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Choice Financial Group

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Choice Financial Group has 154 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Choice Financial Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 0.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume135
Mix87.7%
Spread
-0.002%Below
Fees
$3,506Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume18
Mix11.7%
Spread
-0.014%Below
Fees
$7,493Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume138
Mix89.6%
Spread
-0.002%Below
Fees
$3,604Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume16
Mix10.4%
Spread
-0.012%Below
Fees
$4,510Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
154
Applications
189
Volume
$65 million
Pricing & Closing
Avg Rate Spread
-0.003%
vs. market APOR
Avg Net Fees
$3,661
Origination − Credits
Pullthrough Rate
81.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$426,104
Avg Borrower Income
$239,227
Avg Property Value
$623,961

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest6
MNNDNEOHSDWI
South5
FLGASCTNTX
West5
AZCAMTWAWY

Top Metro Areas by Place Specialization Score

1© Ron Reiring · CC BY 2.0
Fargo, ND, ND-MNMetro
Volume 36Mix 23.38% of portfolio
66/100
Strong
2© Bruce Nikle · Public domain
Grand Forks, ND, ND-MNMetro
Volume 11Mix 7.14% of portfolio
54/100
Sound
3© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 18Mix 11.69% of portfolio
50/100
Sound
4© North Dakota Department of Transportation · CC0
Bismarck, NDMetro
Volume 11Mix 7.14% of portfolio
48/100
Sound

Top States by Place Specialization Score

North Dakota
North Dakota
1
North DakotaState
Volume 73Mix 47.40% of portfolio
71/100
Strong
Minnesota
Minnesota
2
MinnesotaState
Volume 51Mix 33.12% of portfolio
61/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.