Constructive Loans, LLC
1,588 mortgages originated in 2025 across 9 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,588
- Median rate
- 7.375%
- Median lender fees
- —
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $185,000
- Above the going rate (spread over APOR)
- —
- Paid discount points
- 0%
- Received lender credits
- 0%
- Purchases / refinances
- 21.4% / 78.6%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 0% of loans here — see methodology.
Where Constructive Loans, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 346 | — | 7.375% |
| New Jersey | 322 | — | 7.059% |
| Delaware | 136 | — | 7.250% |
| New York | 108 | — | 7.375% |
| Texas | 98 | — | 7.250% |
| Ohio | 89 | — | 7.740% |
| Michigan | 69 | — | 7.750% |
| West Virginia | 66 | — | 7.500% |
| Florida | 64 | — | 7.375% |