Builders Choice Mortgage in Texas vs the state
7.1%Denial rate-12.29 pts vs state
9.1%Decision denial rate-15.81 pts vs state
71.4%Origination rate+16.55 pts vs state
6.99%Median rate+0.49 pts vs state
0.33Rate spread (pts)+0.14 pts vs state
$127kMedian applicant income
10Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 14.3% | 7.38% | #1,052 |
| 2024 | 33 | 23 | 12.1% | 6.99% | #770 |
| 2025 | 14 | 10 | 7.1% | 6.99% | #911 |
What Builders Choice Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Builders Choice Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 4 | 2 | 1 | 25.0% |
| Dallas County | 2 | 1 | 0 | 0.0% |
| Fort Bend County | 1 | 1 | 0 | 0.0% |
| Tarrant County | 1 | 0 | 0 | 0.0% |
| Kaufman County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Bexar County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Guadalupe County | 1 | 1 | 0 | 0.0% |
| Hays County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 14 applications in 2025, of which 10 were originated and 1 denied.
7.1% of all applications, or 9.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Builders Choice Mortgage originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Builders Choice Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology