Choice Financial Group
Choice Financial Group received 346 applications in 2025 and made 275 mortgages, in 67 counties across 17 states. The median rate its borrowers got was 6.625% on a median loan of $275,000. Of 305 decisions, 17 were denials — 5.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BB4LSE4JRRGV15 |
|---|---|
| Applications received | 346 |
| Mortgages made | 275 |
| Denied | 17 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.138 points |
| FDIC-insured bank | Yes: Choice Financial Group, 18 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 226 | 6.625% | $275,000 | 2.5% |
| Refinancing | 31 | 7.000% | $130,000 | 19.5% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 14 | 6.875% | $280,000 | 17.7% |
Where Choice Financial Group lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 62 | 6.613% | 0.0% |
| Burleigh County, ND | 30 | 6.588% | 11.1% |
| Clay County, MN | 24 | 6.250% | 11.1% |
| Cavalier County, ND | 13 | 6.125% | 0.0% |
| Hennepin County, MN | 12 | 6.438% | 0.0% |
| Grand Forks County, ND | 11 | 7.100% | 12.5% |
| Stark County, ND | 9 | Under 10 loans | 0.0% |
| Walsh County, ND | 9 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 7 | Under 10 loans | 0.0% |
| Pembina County, ND | 7 | Under 10 loans | 0.0% |
| Ramsey County, MN | 6 | Under 10 loans | 0.0% |
| Scott County, MN | 6 | Under 10 loans | 0.0% |
| Morton County, ND | 6 | Under 10 loans | 0.0% |
| Becker County, MN | 4 | Under 10 loans | 0.0% |
| Polk County, MN | 4 | Under 10 loans | 0.0% |
| Kidder County, ND | 4 | Under 10 loans | 20.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 25.0% |
| Dakota County, MN | 3 | Under 10 loans | 0.0% |
| Douglas County, MN | 3 | Under 10 loans | 0.0% |
| Traill County, ND | 3 | Under 10 loans | 0.0% |
| Pima County, AZ | 2 | Under 10 loans | 33.3% |
| Riverside County, CA | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 2 | Under 10 loans | 0.0% |
| Hubbard County, MN | 2 | Under 10 loans | 0.0% |
| Lyon County, MN | 2 | Under 10 loans | 0.0% |
| LaMoure County, ND | 2 | Under 10 loans | 33.3% |
| McLean County, ND | 2 | Under 10 loans | 0.0% |
| Mercer County, ND | 2 | Under 10 loans | 0.0% |
| Ward County, ND | 2 | Under 10 loans | 0.0% |
| St. Croix County, WI | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 1 | Under 10 loans | 0.0% |
| Marshall County, MN | 1 | Under 10 loans | 0.0% |
| Norman County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Stevens County, MN | 1 | Under 10 loans | 0.0% |
| Wadena County, MN | 1 | Under 10 loans | 0.0% |
| Madison County, MT | 1 | Under 10 loans | 0.0% |
| Washoe County, NV | 1 | Under 10 loans | 0.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| Billings County, ND | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.