Builders Choice Mortgage LLC Mortgage Lending & HMDA Data, 2025
In 2025, Builders Choice Mortgage LLC of Boca Raton, FL reported 966 mortgage applications totaling $426.7 million, up 82% from 2024. The average application was for $441,666, and applicants reported an average income of $213,937. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Albuquerque, NM (287), West Palm Beach-Boca Raton-Delray Beach, FL (188) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (85) (applications in parentheses).
| Mortgage Company & Address | Builders Choice Mortgage LLC 40 Se 5th St Suite 401 Boca Raton, FL 33431 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 966 |
| Total Mortgage Loan Application Amount | $426,650,000 |
| Average Mortgage Loan Application Amount | $441,666 |
| Highest Mortgage Loan Application Amount | $2,905,000 |
| Average Applicant Income | $213,937 |
| Highest Applicant Income | $3,862,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Builders Choice Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Albuquerque, NM | 287 | $ 88,175,000 | $ 307,229 | $ 125,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 188 | $ 104,570,000 | $ 556,223 | $ 274,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 85 | $ 43,375,000 | $ 510,294 | $ 306,000 |
| Outside any metro area | 60 | $ 23,540,000 | $ 392,333 | $ 258,516 |
| Port St. Lucie, FL | 35 | $ 17,315,000 | $ 494,714 | $ 222,000 |
| Denver-Aurora-Lakewood, CO | 28 | $ 13,560,000 | $ 484,285 | $ 145,000 |
| Orlando-Kissimmee-Sanford, FL | 28 | $ 12,200,000 | $ 435,714 | $ 237,000 |
| Rockingham County-Strafford County, NH | 27 | $ 13,305,000 | $ 492,777 | $ 257,000 |
| Portland-South Portland, ME | 23 | $ 15,325,000 | $ 666,304 | $ 343,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 10,025,000 | $ 477,380 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 11,095,000 | $ 652,647 | $ 662,000 |
| Santa Fe, NM | 14 | $ 6,290,000 | $ 449,285 | $ 144,000 |
| Cambridge-Newton-Framingham, MA | 10 | $ 7,750,000 | $ 775,000 | $ 267,000 |
| Valdosta, GA | 10 | $ 3,120,000 | $ 312,000 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,675,000 | $ 382,142 | $ 104,000 |
| Boston, MA | 6 | $ 3,870,000 | $ 645,000 | $ 172,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 2,590,000 | $ 431,666 | $ 174,000 |
| Kansas City, MO-KS | 6 | $ 1,850,000 | $ 308,333 | $ 114,500 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 2,465,000 | $ 493,000 | $ 137,000 |
| Jacksonville, FL | 5 | $ 1,495,000 | $ 299,000 | $ 89,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 4,275,000 | $ 855,000 | $ 406,000 |
| Birmingham-Hoover, AL | 4 | $ 1,810,000 | $ 452,500 | $ 166,000 |
| Boulder, CO | 4 | $ 2,410,000 | $ 602,500 | $ 243,000 |
| Colorado Springs, CO | 4 | $ 1,970,000 | $ 492,500 | $ 175,000 |
| Sebastian-Vero Beach, FL | 4 | $ 3,650,000 | $ 912,500 | $ 350,000 |
| Tampa, FL | 4 | $ 1,250,000 | $ 312,500 | $ 174,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,475,000 | $ 491,666 | $ 175,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,225,000 | $ 408,333 | $ 162,000 |
| Lakeland-Winter Haven, FL | 3 | $ 535,000 | $ 178,333 | $ 67,000 |
| Manchester-Nashua, NH | 3 | $ 1,665,000 | $ 555,000 | $ 217,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,915,000 | $ 638,333 | $ 1,005,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,235,000 | $ 411,666 | $ 176,000 |
| Sebring, FL | 3 | $ 1,205,000 | $ 401,666 | $ 139,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 915,000 | $ 305,000 | $ 121,000 |
| Austin-Round Rock, TX | 2 | $ 650,000 | $ 325,000 | $ 176,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 900,000 | $ 450,000 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 1,180,000 | $ 590,000 | $ 203,000 |
| Fort Collins, CO | 2 | $ 830,000 | $ 415,000 | $ 225,000 |
| Gainesville, FL | 2 | $ 450,000 | $ 225,000 | $ 111,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 560,000 | $ 280,000 | $ 168,000 |
| Las Cruces, NM | 2 | $ 410,000 | $ 205,000 | $ 135,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 810,000 | $ 405,000 | $ 111,000 |
| Panama City, FL | 2 | $ 690,000 | $ 345,000 | $ 134,000 |
| San Antonio-New Braunfels, TX | 2 | $ 660,000 | $ 330,000 | $ 127,000 |
| San Diego-Carlsbad, CA | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Worcester, MA-CT | 2 | $ 770,000 | $ 385,000 | $ 101,000 |
| Asheville, NC | 1 | $ 165,000 | $ 165,000 | $ 185,000 |
| Auburn-Opelika, AL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 255,000 | $ 255,000 | $ 328,000 |
| Camden, NJ | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Charleston-North Charleston, SC | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Columbia, SC | 1 | $ 265,000 | $ 265,000 | $ 225,000 |
| Fort Worth-Arlington, TX | 1 | $ 495,000 | $ 495,000 | $ 180,000 |
| Greeley, CO | 1 | $ 465,000 | $ 465,000 | $ 148,000 |
| Greenville, NC | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 365,000 | $ 365,000 | $ 364,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 405,000 | $ 405,000 | $ 92,000 |
| Marietta, GA | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 485,000 | $ 485,000 | $ 140,000 |
| Montgomery, AL | 1 | $ 335,000 | $ 335,000 | $ 137,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 555,000 | $ 555,000 | $ 170,000 |
| Newark, NJ-PA | 1 | $ 485,000 | $ 485,000 | $ 214,000 |
| Ocala, FL | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Providence-Warwick, RI-MA | 1 | $ 645,000 | $ 645,000 | $ 172,000 |
| Pueblo, CO | 1 | $ 225,000 | $ 225,000 | $ 47,000 |
| Spartanburg, SC | 1 | $ 315,000 | $ 315,000 | $ 65,000 |
| Tallahassee, FL | 1 | $ 345,000 | $ 345,000 | $ 130,000 |
| Topeka, KS | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Warner Robins, GA | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Winston-Salem, NC | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Builders Choice Mortgage LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 809 | $346,365,000 | $428,000 | $2,905,000 | $198,000 | $2,170,000 |
| Cash-out Refinancing | 86 | $43,450,000 | $505,000 | $2,435,000 | $273,000 | $1,578,000 |
| Refinancing | 71 | $36,835,000 | $518,000 | $2,905,000 | $324,000 | $3,862,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 609 | $300,785,000 | $493,000 | $2,905,000 | $258,000 | $3,862,000 |
| Hispanic | 199 | $60,735,000 | $305,000 | $785,000 | $119,000 | $566,000 |
| Not Provided | 83 | $34,025,000 | $409,000 | $2,905,000 | $191,000 | $2,170,000 |
| Black or African American | 43 | $17,215,000 | $400,000 | $805,000 | $122,000 | $300,000 |
| Asian | 29 | $12,415,000 | $428,000 | $2,435,000 | $117,000 | $464,000 |
| American Indian or Alaskan Native | 2 | $990,000 | $495,000 | $625,000 | $214,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $485,000 | $485,000 | $485,000 | $203,000 | $203,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 669 | $311,855,000 | $466,000 | $2,905,000 | $252,000 | $3,862,000 |
| FHA-insured (Federal Housing Administration) | 188 | $64,790,000 | $344,000 | $775,000 | $116,000 | $273,000 |
| VA-guaranteed (Veterans Administration) | 107 | $49,685,000 | $464,000 | $1,175,000 | $142,000 | $566,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $320,000 | $160,000 | $175,000 | $58,000 | $69,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 687 | $301,775,000 | $439,000 | $2,805,000 | $203,000 | $2,265,000 |
| Application Withdrawn By Applicant | 221 | $103,675,000 | $469,000 | $2,905,000 | $259,000 | $3,862,000 |
| Application Denied By Financial Institution | 39 | $11,255,000 | $288,000 | $755,000 | $128,000 | $623,000 |
| Application Approved But Not Accepted | 9 | $5,625,000 | $625,000 | $2,175,000 | $269,000 | $700,000 |
| File Closed For Incompleteness | 8 | $3,330,000 | $416,000 | $585,000 | $130,000 | $220,000 |
| Preapproval Approved but not Accepted | 1 | $185,000 | $185,000 | $185,000 | $135,000 | $135,000 |
| Preapproval Denied by Financial Institution | 1 | $805,000 | $805,000 | $805,000 | $436,000 | $436,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 926 | $414,590,000 | $447,000 | $2,905,000 | $216,000 | $3,862,000 |
| Collateral | 13 | $3,165,000 | $243,000 | $755,000 | $125,000 | $623,000 |
| Debt-To-Income Ratio | 11 | $2,875,000 | $261,000 | $635,000 | $101,000 | $183,000 |
| Credit History | 6 | $2,250,000 | $375,000 | $535,000 | $218,000 | $439,000 |
| Other | 3 | $955,000 | $318,000 | $705,000 | $140,000 | $259,000 |
| Unverifiable Information | 3 | $1,125,000 | $375,000 | $605,000 | $60,000 | $102,000 |
| Employment History | 2 | $990,000 | $495,000 | $805,000 | $244,000 | $436,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $700,000 | $350,000 | $365,000 | $144,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Builders Choice Mortgage LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Builders Choice Mortgage LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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