Choice Financial Group in North Dakota vs the state
4.3%Denial rate-7.17 pts vs state
4.8%Decision denial rate-8.91 pts vs state
79.6%Origination rate+9.93 pts vs state
6.65%Median rate+0.15 pts vs state
0.16Rate spread (pts)-0.08 pts vs state
$111kMedian applicant income
168Loans originated
9Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 178 | 8.3% | 6.29% | #20 |
| 2024 | 148 | 120 | 3.4% | 6.81% | #27 |
| 2025 | 211 | 168 | 4.3% | 6.65% | #23 |
What Choice Financial Group lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Choice Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 74 | 62 | 0 | 0.0% |
| Burleigh County | 43 | 30 | 4 | 9.3% |
| Grand Forks County | 17 | 11 | 2 | 11.8% |
| Cavalier County | 14 | 13 | 0 | 0.0% |
| Walsh County | 11 | 9 | 0 | 0.0% |
| Stark County | 11 | 9 | 0 | 0.0% |
| Morton County | 7 | 6 | 0 | 0.0% |
| Pembina County | 7 | 7 | 0 | 0.0% |
| Kidder County | 6 | 4 | 1 | 16.7% |
| Traill County | 3 | 3 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 211 applications in 2025, of which 168 were originated and 9 denied.
4.3% of all applications, or 4.8% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Choice Financial Group originated in North Dakota in 2025 was 6.65%, against a statewide median of 6.50%.
About this data. Figures are Choice Financial Group's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology