Constructive Loans in Texas vs the state
4.4%Denial rate-15.08 pts vs state
4.5%Decision denial rate-20.40 pts vs state
85.2%Origination rate+30.34 pts vs state
7.25%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
98Loans originated
5Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 15 | 0.0% | 8.25% | #917 |
| 2024 | 32 | 25 | 0.0% | 7.88% | #774 |
| 2025 | 115 | 98 | 4.4% | 7.25% | #527 |
What Constructive Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 64 | 61 | 1 | 1.6% |
| Dallas County | 17 | 14 | 0 | 0.0% |
| Harris County | 7 | 2 | 4 | 57.1% |
| Tarrant County | 4 | 3 | 0 | 0.0% |
| Wichita County | 3 | 3 | 0 | 0.0% |
| Bell County | 3 | 3 | 0 | 0.0% |
| Ector County | 2 | 2 | 0 | 0.0% |
| Parker County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Webb County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 115 applications in 2025, of which 98 were originated and 5 denied.
4.4% of all applications, or 4.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Constructive Loans originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Constructive Loans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology