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Dignified Home Loans, LLC

Independent Mortgage CompanyWESTLAKE VILLAGE, CADirect to Consumer

We analyzed every closed loan from Dignified Home Loans 471 loans across 624 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 9 mkts

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Safe Rate's 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

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Report Card

Dignified Home Loans, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+36.4 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional9 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Strong
34573.2%
+0.354%Above
$3,788Fees
FHA Loans
Sound
Strong
Acceptable
Strong
9620.4%
+0.558%Above
$4,521Fees
VA Loans
Strong
Strong
Strong
265.5%
-0.169%Below
$2,660Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Strong
40986.8%
+0.379%Above
$4,126Fees
Refinance
Sound
Sound
Sound
Strong
6213.2%
+0.273%Above
$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
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

AZCACOILINNVOHORTNUTWA

Top Metro Areas by Place Specialization Score

1
Bakersfield, CAMSA
Volume: 173Mix: 36.73%of portfolio
Place
Exceptional
2
Oxnard, CAMSA
Volume: 68Mix: 14.44%of portfolio
Place
Strong
3
San Luis Obispo, CAMSA
Volume: 30Mix: 6.37%of portfolio
Place
Strong
4
Anaheim, CAMSA
Volume: 27Mix: 5.73%of portfolio
Place
Sound
5
Los Angeles, CAMSA
Volume: 34Mix: 7.22%of portfolio
Place
Sound
6
Riverside, CAMSA
Volume: 23Mix: 4.88%of portfolio
Place
Sound
7
Sacramento, CAMSA
Volume: 12Mix: 2.55%of portfolio
Place
Sound
8
Columbus, OH, OHMSA
Volume: 11Mix: 2.34%of portfolio
Place
Sound
9
San Diego, CAMSA
Volume: 11Mix: 2.34%of portfolio
Place
Sound

Top States by Place Specialization Score

1
CAState
Volume: 409Mix: 86.84%of portfolio
Place
Strong
2
OHState
Volume: 25Mix: 5.31%of portfolio
Place
Sound
3
WAState
Volume: 10Mix: 2.12%of portfolio
Place
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.