Dignified Home Loans
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
345 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
FHA
96 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
VA
26 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
409 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
Refinance
62 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 345 | 73.2% | +0.354%Above | $3,788Fees | ||||
FHA Loans | 96 | 20.4% | +0.558%Above | $4,521Fees | ||||
VA Loans | — | 26 | 5.5% | -0.169%Below | $2,660Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume345
Mix73.2%
Spread
+0.354%Above
Fees
$3,788Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume96
Mix20.4%
Spread
+0.558%Above
Fees
$4,521Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume26
Mix5.5%
Spread
-0.169%Below
Fees
$2,660Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 409 | 86.8% | +0.379%Above | $4,126Fees | ||||
Refinance | 62 | 13.2% | +0.273%Above | $2,250Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume409
Mix86.8%
Spread
+0.379%Above
Fees
$4,126Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
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
11Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest3
ILINOH
South1
TN
West7
AZCACONVORUTWA
Top Metro Areas by Place Specialization Score
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.