Builders Choice Mortgage
Builders Choice Mortgage has 344 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
250 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
FHA
60 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
VA
15 loans · 0.31% below market
Sound
Top 60% of lenders
3/5
Jumbo
19 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
299 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
Refinance
45 loans · 0.62% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 250 | 72.7% | +0.451%Above | $4,249Fees | ||||
FHA Loans | 60 | 17.4% | +0.683%Above | $4,015Fees | ||||
VA Loans | — | 15 | 4.4% | -0.306%Below | $4,539Fees | |||
Jumbo Loans | — | 19 | 5.5% | +0.342%Above | $5,717Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume250
Mix72.7%
Spread
+0.451%Above
Fees
$4,249Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume60
Mix17.4%
Spread
+0.683%Above
Fees
$4,015Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume15
Mix4.4%
Spread
-0.306%Below
Fees
$4,539Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix5.5%
Spread
+0.342%Above
Fees
$5,717Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 299 | 86.9% | +0.457%Above | $4,238Fees | ||||
Refinance | 45 | 13.1% | +0.616%Above | $4,238Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume299
Mix86.9%
Spread
+0.457%Above
Fees
$4,238Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
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
14Full-year 2024 · HMDALoans originated
< 2020+None
Northeast5
CTMENHNJPA
South7
ARFLGANCSCTNTX
West2
CACO
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.