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Builders Choice Mortgage

Independent Mortgage Company•Boca Raton, FLHQ•Direct•Reviews near you on Google

Builders Choice Mortgage has 344 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 6 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,238)

Explore another lender or local market

Report Card

Builders Choice Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+47.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume250
Mix72.7%
Spread
+0.451%Above
Fees
$4,249Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume60
Mix17.4%
Spread
+0.683%Above
Fees
$4,015Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume15
Mix4.4%
Spread
-0.306%Below
Fees
$4,539Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume19
Mix5.5%
Spread
+0.342%Above
Fees
$5,717Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume299
Mix86.9%
Spread
+0.457%Above
Fees
$4,238Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume45
Mix13.1%
Spread
+0.616%Above
Fees
$4,238Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
344
Applications
506
Volume
$151 million
Pricing & Closing
Avg Rate Spread
+0.476%
vs. market APOR
Avg Net Fees
$4,238
Origination − Credits
Pullthrough Rate
68.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$441,483
Avg Borrower Income
$233,532
Avg Property Value
$604,128

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast5
CTMENHNJPA
South7
ARFLGANCSCTNTX
West2
CACO

Top Metro Areas by Place Specialization Score

1© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 125Mix 36.34% of portfolio
80/100
Exceptional
2© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 70Mix 20.35% of portfolio
68/100
Strong
3© Dough4872 · CC BY-SA 4.0
Port St. Lucie, FLMetro
Volume 24Mix 6.98% of portfolio
59/100
Sound
4© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 18Mix 5.23% of portfolio
46/100
Sound
5© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 11Mix 3.20% of portfolio
42/100
Sound
6© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 10Mix 2.91% of portfolio
41/100
Sound

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 277Mix 80.52% of portfolio
72/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 16Mix 4.65% of portfolio
45/100
Sound
Texas
Texas
3
TexasState
Volume 23Mix 6.69% of portfolio
44/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.