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Multifamily record
Constructive Loans LLC: multifamily loans made
Constructive Loans LLC, a non-bank lender based in Oakbrook Terrace, IL, made 28 multifamily loans in 2024 and 2025, $16.1M in all, in 11 states. The typical loan was about $460K, and the largest about $1.5M. Most were in Lucas County, OH.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 28
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $16.1M
- HMDA,
- Rounded amounts
- Typical loan
- $460K
- HMDA,
- Largest loan
- $1.5M
- HMDA,
- Rounded to 2 significant figures
- States
- 11
- HMDA,
Cite this
Source: The Lender Report, Constructive Loans LLC: multifamily loans made, https://lender.report/lender/constructive-loans-il/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Bronx County, NY | Cash-out refinance, 5 to 24 units | $1.5M | 7.5% | 30 yr | 63% | HMDA 2025 |
| 2025 | Cook County, IL | Refinance, 5 to 24 units | $1.3M | 8.5% | 30 yr | 72% | HMDA 2025 |
| 2025 | Volusia County, FL | Refinance, 5 to 24 units | $1M | 8.5% | 30 yr | 74% | HMDA 2025 |
| 2025 | Queens County, NY | Purchase, 5 to 24 units | $960K | 7.5% | 30 yr | 72% | HMDA 2025 |
| 2025 | Hudson County, NJ | Purchase, 5 to 24 units | $860K | 8.38% | 30 yr | 75% | HMDA 2025 |
| 2025 | Pinellas County, FL | Cash-out refinance, 5 to 24 units | $860K | 7.5% | 30 yr | 57% | HMDA 2025 |
| 2025 | Queens County, NY | Purchase, 5 to 24 units | $800K | 7.5% | 30 yr | 65% | HMDA 2025 |
| 2025 | Queens County, NY | Cash-out refinance, 5 to 24 units | $780K | 7.88% | 30 yr | 68% | HMDA 2025 |
| 2025 | Providence County, RI | Cash-out refinance, 5 to 24 units | $640K | 8.63% | 30 yr | 75% | HMDA 2025 |
| 2025 | Cook County, IL | Purchase, 5 to 24 units | $620K | 8.63% | 30 yr | 75% | HMDA 2025 |
| 2025 | New Castle County, DE | Refinance, 5 to 24 units | $600K | 7.88% | 30 yr | 73% | HMDA 2025 |
| 2025 | Passaic County, NJ | Purchase, 5 to 24 units | $560K | 8.38% | 30 yr | 70% | HMDA 2025 |
| 2025 | Baltimore city, MD | Purchase, 5 to 24 units | $480K | 8.38% | 30 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, OH | Cash-out refinance, 5 to 24 units | $460K | 9% | 30 yr | 75% | HMDA 2025 |
| 2025 | Schenectady County, NY | Cash-out refinance, 5 to 24 units | $440K | 8.75% | 30 yr | 75% | HMDA 2025 |
| 2025 | Floyd County, IN | Refinance, 5 to 24 units | $420K | 8.38% | 30 yr | 75% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Purchase, 5 to 24 units | $420K | 7.5% | 30 yr | 75% | HMDA 2025 |
| 2025 | Allegheny County, PA | Cash-out refinance, 5 to 24 units | $400K | 7.88% | 30 yr | 70% | HMDA 2025 |
| 2025 | Niagara County, NY | Purchase, 5 to 24 units | $380K | 8.38% | 30 yr | 57% | HMDA 2025 |
| 2025 | Duval County, FL | Purchase, 5 to 24 units | $300K | 8% | 30 yr | 75% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 5 to 24 units | $280K | 8.38% | 30 yr | 53% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 5 to 24 units | $260K | 8.5% | 30 yr | 75% | HMDA 2025 |
| 2025 | Harrison County, WV | Cash-out refinance, 5 to 24 units | $260K | 8.38% | 30 yr | 68% | HMDA 2025 |
| 2024 | Lucas County, OH | Cash-out refinance, 5 to 24 units | $360K | 8.38% | 30 yr | 70% | HMDA 2024 |
| 2024 | Lucas County, OH | Refinance, 5 to 24 units | $320K | 8.38% | 30 yr | 70% | HMDA 2024 |
| 28 multifamily loans made in 2024 and 2025 | $16.1M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Lucas County, OH | County | 3 | $960K |
| Queens County, NY | County | 3 | $2.54M |
| Cook County, IL | County | 2 | $1.92M |
| Erie County, NY | County | 2 | $540K |
| Allegheny County, PA | County | 1 | $400K |
| Baltimore city, MD | County | 1 | $480K |
| Bronx County, NY | County | 1 | $1.50M |
| Broome County, NY | County | 1 | $280K |
| Duval County, FL | County | 1 | $300K |
| Floyd County, IN | County | 1 | $420K |
| Franklin County, OH | County | 1 | $460K |
| Harrison County, WV | County | 1 | $260K |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 25 | $12.3M |
| $1M to $2.5M | 3 | $3.80M |
| $2.5M to $5M | 0 | $0 |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 5 | $1.52M | $280K |
| 2025 | 23 | $14.6M | $560K |
| Purpose | Loans |
|---|---|
| Purchase | 12 |
| Refinance | 5 |
| Cash-out refinance | 11 |
| Units | Loans |
|---|---|
| 5 to 24 units | 28 |
- Constructive Loans LLC made 28 multifamily loans totaling $16.1M in 2024 and 2025, in 22 named places across 11 states. HMDA,
- It made 23 of them in 2025 and 5 in 2024. HMDA,
- The typical loan was about $460K, with the middle half between $320K and $800K. HMDA,
- The largest was about $1.5M. Every amount is rounded to 2 significant figures. HMDA,
- 25 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 8.38% on 28 loans, with the middle half between 7.88% and 8.50%. HMDA,
- The median term was 30 years. HMDA,
- The median loan to value was 72%. HMDA,
- 57% of the loans were refinancings and 43% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 28 loans. HMDA,
- HMDA shows 28 of the 28 multifamily loans Constructive Loans LLC made with a known channel in 2024 to 2025 as coming through a third party. HMDA,
- Its loans were most often in Lucas County, OH (3), Queens County, NY (3) and Cook County, IL (2). HMDA,
What we don't know
- Whether Constructive Loans LLC is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.