Choice Financial Group in California vs the state
20.0%Denial rate+2.58 pts vs state
25.0%Decision denial rate+2.60 pts vs state
60.0%Origination rate+3.80 pts vs state
6.75%Median rate+0.13 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$409kMedian applicant income
3Loans originated
1Denied
What Choice Financial Group lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Choice Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 2 | 0 | 1 | 50.0% |
| San Luis Obispo County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 5 applications in 2025, of which 3 were originated and 1 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Choice Financial Group originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Choice Financial Group's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology