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Dignified Home Loans

Independent Mortgage Company•Westlake Village, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Dignified Home Loans — 471 loans across 624 applications— and benchmarked them against peer lenders 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 9 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Dignified Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+36.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume345
Mix73.2%
Spread
+0.354%Above
Fees
$3,788Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume96
Mix20.4%
Spread
+0.558%Above
Fees
$4,521Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume26
Mix5.5%
Spread
-0.169%Below
Fees
$2,660Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume409
Mix86.8%
Spread
+0.379%Above
Fees
$4,126Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume62
Mix13.2%
Spread
+0.273%Above
Fees
$2,250Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
471
Applications
624
Volume
$216 million
Pricing & Closing
Avg Rate Spread
+0.364%
vs. market APOR
Avg Net Fees
$3,857
Origination − Credits
Pullthrough Rate
75.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$460,435
Avg Borrower Income
$171,482
Avg Property Value
$605,106

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINOH
South1
TN
West7
AZCACONVORUTWA

Top Metro Areas by Place Specialization Score

1© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 173Mix 36.73% of portfolio
85/100
Exceptional
2© Unknown · CC BY-SA 3.0
Oxnard, CAMetro
Volume 68Mix 14.44% of portfolio
75/100
Strong
3© Sricklef · CC BY 4.0
San Luis Obispo, CAMetro
Volume 30Mix 6.37% of portfolio
64/100
Strong
4© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 27Mix 5.73% of portfolio
55/100
Sound
5© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 34Mix 7.22% of portfolio
55/100
Sound
6© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 23Mix 4.88% of portfolio
50/100
Sound
7© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 12Mix 2.55% of portfolio
43/100
Sound
8© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 11Mix 2.34% of portfolio
42/100
Sound
9© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 11Mix 2.34% of portfolio
42/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 409Mix 86.84% of portfolio
75/100
Strong
Ohio
Ohio
2
OhioState
Volume 25Mix 5.31% of portfolio
47/100
Sound
Washington
Washington
3
WashingtonState
Volume 10Mix 2.12% of portfolio
39/100
Acceptable

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.