Purchase Originations
503
Ranked #617 nationally
Median Total Costs
$8,503
+27.3% vs national ($6,680)
↓ $1,573 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,465
Median Lender Credits
$294
Cost Rank (500+ vol.)
#471
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 304 | 6.875% | $6,410 | $2,482 |
| fha | 127 | 6.500% | $13,408 | $3,535 |
| va | 72 | 6.125% | $9,072 | $1,828 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Mexico | 203 | 6.625% | $9,119 | #23 |
| Florida | 195 | 6.625% | $9,255 | #165 |
| Colorado | 22 | 6.625% | $4,540 | — |
| New Hampshire | 15 | 6.625% | $4,908 | — |
| Georgia | 11 | 6.125% | $11,516 | — |
| Maine | 10 | 6.875% | $5,861 | — |
| North Carolina | 9 | 6.500% | $8,736 | — |
| Massachusetts | 8 | 6.750% | $5,987 | — |
| Texas | 8 | 6.870% | $10,867 | — |
| Missouri | 4 | 6.375% | $4,689 | — |
| New Jersey | 4 | 6.933% | $9,409 | — |
| Kansas | 3 | 5.990% | $5,689 | — |
| South Carolina | 3 | 6.490% | $5,331 | — |
| Alabama | 2 | 6.000% | $11,061 | — |
| Arizona | 2 | 6.250% | $7,063 | — |
| Tennessee | 2 | 6.370% | $5,564 | — |
| Connecticut | 1 | 7.500% | $12,127 | — |
| Pennsylvania | 1 | 7.750% | $7,233 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,389 | 6.625% | — | 7 | −$4,114 | |
| 2 | $4,490 | 6.558% | — | 8 | −$4,013 | |
| 3 | $5,224 | 6.625% | — | 5 | −$3,279 | |
| 4 | $5,433 | 6.875% | — | 5 | −$3,070 | |
| 5 | $5,736 | 6.624% | — | 3 | −$2,767 | |
| 6 | $5,861 | 6.875% | — | 10 | −$2,642 | |
| 7 | $7,647 | 6.625% | — | 105 | −$856 | |
| 8 | $8,543 | 6.625% | — | 83 | +$40 | |
| 9 | $8,846 | 6.438% | — | 4 | +$343 | |
| 10 | $9,288 | 6.625% | — | 21 | +$785 | |
| 11 | $9,513 | 6.875% | — | 35 | +$1,010 | |
| 12 | $9,835 | 6.625% | — | 16 | +$1,332 | |
| 13 | $10,911 | 6.433% | — | 52 | +$2,408 | |
| 14 | $11,332 | 6.438% | — | 10 | +$2,829 | |
| 15 | $11,886 | 7.000% | — | 5 | +$3,383 | |
| 16 | $11,936 | 6.625% | — | 19 | +$3,433 | |
| 17 | $12,436 | 6.308% | — | 4 | +$3,933 | |
| 18 | $13,051 | 6.125% | — | 5 | +$4,548 | |
| 19 | $13,254 | 6.490% | — | 3 | +$4,751 | |
| 20 | $15,092 | 6.125% | — | 7 | +$6,589 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Builders Choice Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $8,503 | $7,127 | +$1,376 (+19.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.