Builders Choice Mortgage in Florida vs the state
4.7%Denial rate-16.33 pts vs state
6.3%Decision denial rate-20.99 pts vs state
70.2%Origination rate+17.52 pts vs state
6.75%Median rate+0.13 pts vs state
0.47Rate spread (pts)+0.20 pts vs state
$172kMedian applicant income
297Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 391 | 252 | 15.1% | 6.88% | #271 |
| 2024 | 418 | 287 | 9.1% | 6.99% | #261 |
| 2025 | 423 | 297 | 4.7% | 6.75% | #261 |
What Builders Choice Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Builders Choice Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 186 | 132 | 9 | 4.8% |
| Broward County | 84 | 55 | 4 | 4.8% |
| St. Lucie County | 29 | 25 | 0 | 0.0% |
| Brevard County | 21 | 19 | 0 | 0.0% |
| Orange County | 17 | 10 | 4 | 23.5% |
| Miami-Dade County | 17 | 9 | 1 | 5.9% |
| Lee County | 7 | 4 | 0 | 0.0% |
| Martin County | 6 | 3 | 0 | 0.0% |
| Lake County | 5 | 4 | 0 | 0.0% |
| Okaloosa County | 5 | 4 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 423 applications in 2025, of which 297 were originated and 20 denied.
4.7% of all applications, or 6.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Builders Choice Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Builders Choice Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology