Applications / Mortgage Analytics / Lenders / Texas / Constant Investments
Plano, TX · Non-bank or government lender · CFPB · 235 loans in 2025
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235
loans originated, 2025
259
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Constant Investments, a Plano, Texas, non-bank lender that makes conventional loans to home buyers, does most of its lending in majority-minority neighborhoods, a far larger share than similar lenders.
Purchases made up 85.5% of its 235 loans in 2025 and refinances 14.0%. Every loan was conventional, and none was on a manufactured home. Its typical loan, $315,000, is smaller than the $405,000 at similar lenders, non-bank lenders making between half and twice as many loans, a group of 51.
Some 68.9% of its loans went to majority-minority neighborhoods, against 33.0% for peers, a higher share than at more than nine in ten of them. It has been that way for years: the share was 75.1% in 2024. Its share of borrowers with low or moderate incomes rose to 30.0% from 17.9%, higher than at about two-thirds of peers.
Texas is its main state, but it lends in 24 metros across seven states, from Sacramento and Los Angeles to Las Vegas. Its shares are tiny everywhere: it ranks 297 of 1,026 lenders in Dallas-Fort Worth and 162 of 574 in Sacramento. In 2025 it began lending in College Station and Savannah.
Its loans fell 9% in 2025, while similar lenders grew by 6% and the whole market by 10%. The longer fall is steeper: it made 937 loans in 2020 and 775 in 2021, then 184 in 2023. Its typical rate rose from 2.88% in 2020 to 6.62% in 2025, which may account for much of the drop; the record does not say.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Constant Investments took 259 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.5% · Refinance 14.0% · Home improvement 0.4%
Conventional 100.0% · of 235 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 138 | 58.7% |
| California | 76 | 32.3% |
| Georgia | 9 | 3.8% |
| Nevada | 9 | 3.8% |
| Arizona | 1 | 0.4% |
| Louisiana | 1 | 0.4% |
| Washington | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 62 |
| Dallas-Plano-Irving | 46 |
| Sacramento-Roseville-Folsom | 37 |
| Fort Worth-Arlington-Grapevine | 18 |
| Los Angeles-Long Beach-Glendale | 14 |
| Anaheim-Santa Ana-Irvine | 11 |
| Las Vegas-Henderson-North Las Vegas | 9 |
| Atlanta-Sandy Springs-Roswell | 6 |
| College Station-Bryan | 5 |
| Riverside-San Bernardino-Ontario | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VX7NAZSPBPUE16 | 2018–2025 |
Established 14 August 2025. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Constant Investments's data.
Constant Investments's data
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Constant Investments and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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