What loan types does Choice Financial Group offer?

Choice Financial Group offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Choice Financial Group offer mortgages?

Choice Financial Group offers mortgages in 16 states: AZ, CA, FL, GA, MN, MT, ND, NE, OH, SC, SD, TN, TX, WA, WI, WY.

How competitive are Choice Financial Group's mortgage rates?

Choice Financial Group has an overall pricing score of 38.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Choice Financial Group?

Choice Financial Group is a Bank headquartered in Fargo, ND.

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Choice Financial Group

Bank•Fargo, NDHQ•Direct•Reviews near you on Google

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

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

135 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

Jumbo

18 loans · 0.01% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

138 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

Refinance

16 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	135	87.7%	-0.002%Below	$3,506Fees
Jumbo Loans	Sound	Sound	—	Sound	18	11.7%	-0.014%Below	$7,493Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	138	89.6%	-0.002%Below	$3,604Fees
Refinance	Acceptable	Acceptable	—	Sound	16	10.4%	-0.012%Below	$4,510Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

16Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest6

MNNDNEOHSDWI

South5

FLGASCTNTX

West5

AZCAMTWAWY

Top Metro Areas by Place Specialization Score

Fargo, ND, ND-MNMetro

Volume 36Mix 23.38% of portfolio

66/100

Strong

Grand Forks, ND, ND-MNMetro

Volume 11Mix 7.14% of portfolio

54/100

Sound

Minneapolis, MN-WIMetro

Volume 18Mix 11.69% of portfolio

50/100

Sound

Bismarck, NDMetro

Volume 11Mix 7.14% of portfolio

48/100

Sound

Top States by Place Specialization Score

North DakotaState

Volume 73Mix 47.40% of portfolio

71/100

Strong

MinnesotaState

Volume 51Mix 33.12% of portfolio

61/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.