# BUILDERS CHOICE MORTGAGE LLC

> **Canonical URL:** https://saferate.com/lenders/builders-choice-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BUILDERS CHOICE MORTGAGE LLC is a independent mortgage company, headquartered in boca raton, FL, serving borrowers across 14 states, with 344 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 984500D61DCEC4E2B661
- **Headquarters:** boca raton, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AR, CA, CO, CT, FL, GA, ME, NC, NH, NJ, PA, SC, TN, TX
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.476%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,238
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 344
- **Dollar Volume:** $152 million
- **Applications Received:** 506
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $441,483
- **Average Borrower Income:** $233,532
- **Average Property Value:** $604,128

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 250 | +0.451% | $4,249 | Sound ☺️ |
| FHA | 61/100 | 60 | +0.683% | $4,015 | Strong 😀 |
| VA | 56/100 | 15 | -0.306% | $4,539 | Sound ☺️ |
| Jumbo | 66/100 | 19 | +0.342% | $5,717 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 219 loans, Score: 50/100 (Sound)
- Refinance: 31 loans, Score: 41/100 (Sound)

**FHA:**
- Purchase: 56 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 299 | $123M | +0.457% | Sound ☺️ |
| Refinance | 46/100 | 45 | $29M | +0.616% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 277 | 0.09% | 72/100 |
| TX | 23 | 0.01% | 44/100 |
| NJ | 16 | 0.02% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| West Palm Beach | FL | 125 | 80/100 |
| Fort Lauderdale | FL | 70 | 68/100 |
| Port St. Lucie, FL | FL | 24 | 59/100 |
| Houston | TX | 18 | 46/100 |
| Orlando | FL | 11 | 42/100 |
| New York | NY-NJ | 10 | 41/100 |

## Where This Lender Ranks

BUILDERS CHOICE MORTGAGE LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in West Palm Beach for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#19** in West Palm Beach for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does BUILDERS CHOICE MORTGAGE LLC offer?

BUILDERS CHOICE MORTGAGE LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BUILDERS CHOICE MORTGAGE LLC offer mortgages?

BUILDERS CHOICE MORTGAGE LLC offers mortgages in 14 states: AR, CA, CO, CT, FL, GA, ME, NC, NH, NJ, PA, SC, TN, TX.

### How competitive are BUILDERS CHOICE MORTGAGE LLC's mortgage rates?

BUILDERS CHOICE MORTGAGE LLC has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.476% above market average.

### What type of lender is BUILDERS CHOICE MORTGAGE LLC?

BUILDERS CHOICE MORTGAGE LLC is a non-depository lender that specializes in mortgage origination, headquartered in boca raton, FL.

### What is BUILDERS CHOICE MORTGAGE LLC's loan approval success rate?

BUILDERS CHOICE MORTGAGE LLC has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/builders-choice-mortgage

### How to Cite

> "BUILDERS CHOICE MORTGAGE LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/builders-choice-mortgage

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