Dignified Home Loans Mortgage Rates, Fees & Info

WESTLAKE VILLAGE, CA

LEI: 549300QD23LICPXTPB55

Tax ID: 27-2070732

3.9 stars - out of 5 stars, based on 57 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Dignified Home Loans is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Dignified Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Bakersfield, Oxnard, Riverside, and San Luis Obispo among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Dignified Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Dignified Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 8.92% 11/26/22
    30 Year Conventional Purchase 7.06% 11/26/22
    30 Year Conventional Refi 6.85% 11/26/22
    30 Year Cash-out Refi 7.03% 11/26/22
    30 Year FHA Purchase 7.83% 11/26/22
    30 Year FHA Refi 7.20% 11/26/22
    30 Year VA Purchase 6.66% 11/26/22
    30 Year VA Refi 6.23% 11/26/22
    30 Year USDA Purchase 7.14% 11/26/22
    30 Year USDA Refi 6.85% 11/26/22
    15 Year Conventional Purchase 6.63% 11/26/22
    15 Year Conventional Refi 6.28% 11/26/22
    15 Year Cash-out Refi 6.28% 11/26/22
    15 Year VA Refi 5.90% 11/26/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,194

    Origination Dollar Volume (All Markets)

    $1,127,520,000
    Show all (5) awards

    Relative Rate

    Dignified Home Loans's average 30 year fixed mortgage rate was 3.08%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.07%.

    Relative Fees (Closing Costs)

    Dignified Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $6,068.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 602 $262,030,000 $435,266 $6,003 2.98%
    BAKERSFIELD, CA (FHA|USDA|VA) 926 $238,530,000 $257,592 $5,941 2.94%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 397 $168,465,000 $424,345 $6,716 3.05%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 280 $99,570,000 $355,607 $5,518 3.09%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 206 $86,100,000 $417,961 $5,851 3.05%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 129 $61,845,000 $479,419 $5,516 3.01%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 197 $51,215,000 $259,975 $5,176 3.08%
    STOCKTON, CA (FHA|USDA|VA) 110 $28,580,000 $259,818 $5,551 2.84%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 71 $26,755,000 $376,831 $5,026 2.94%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 38 $14,220,000 $374,211 $6,518 3.18%
    SALINAS, CA (FHA|USDA|VA) 18 $12,920,000 $717,778 $6,995 3.15%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $12,600,000 $484,615 $6,953 2.74%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 21 $8,205,000 $390,714 $6,096 3.04%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 14 $7,330,000 $523,571 $5,305 3.13%
    CARSON CITY, NV (FHA|USDA|VA) 18 $5,090,000 $282,778 $5,321 3.07%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $4,330,000 $721,667 $6,348 3.19%
    BOISE CITY, ID (FHA|USDA|VA) 11 $3,775,000 $343,182 $3,884 3.38%
    FRESNO, CA (FHA|USDA|VA) 9 $3,385,000 $376,111 $5,504 3.07%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $2,755,000 $306,111 $3,787 3.14%
    Outside of Metro Areas 6 $2,340,000 $390,000 $4,631 3.17%
    Outside of Metro Areas 15 $2,075,000 $138,333 $1,745 1.75%
    YUBA CITY, CA (FHA|USDA|VA) 4 $1,940,000 $485,000 $4,207 2.91%
    RENO, NV (FHA|USDA|VA) 5 $1,905,000 $381,000 $7,273 3.02%
    MERCED, CA (FHA|USDA|VA) 6 $1,670,000 $278,333 $6,139 3.35%
    MODESTO, CA (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,580 3.07%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,545,000 $515,000 $6,142 2.75%
    Fernley, NV (FHA|USDA|VA) 6 $1,410,000 $235,000 $6,750 3.25%
    VISALIA, CA (FHA|USDA|VA) 6 $1,260,000 $210,000 $6,279 3.31%
    Sonora, CA (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,945 3.42%
    PEORIA, IL (FHA|USDA|VA) 3 $825,000 $275,000 $7,533 3.79%
    GREELEY, CO (FHA|USDA|VA) 2 $800,000 $400,000 $4,309 3.38%
    VALLEJO, CA (FHA|USDA|VA) 2 $790,000 $395,000 $4,106 3.44%
    SALEM, OR (FHA|USDA|VA) 2 $770,000 $385,000 $3,407 2.69%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $690,000 $345,000 $3,684 3.19%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $685,000 $228,333 $3,999 3.33%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $670,000 $335,000 $3,343 3.06%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $650,000 $325,000 $6,203 3.19%
    Clearlake, CA (FHA|USDA|VA) 2 $620,000 $310,000 $10,023 3.38%
    MADERA, CA (FHA|USDA|VA) 3 $595,000 $198,333 $6,581 2.79%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,146 2.63%
    TUCSON, AZ (FHA|USDA|VA) 2 $540,000 $270,000 $4,999 3.25%
    REDDING, CA (FHA|USDA|VA) 2 $530,000 $265,000 $6,547 2.94%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $455,000 $455,000 $5,829 2.63%
    CHICO, CA (FHA|USDA|VA) 2 $410,000 $205,000 $3,464 3.00%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $370,000 $185,000 $2,656 2.94%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,529 2.75%
    Pahrump, NV (FHA|USDA|VA) 2 $330,000 $165,000 $7,497 2.94%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $325,000 $325,000 $7,736 3.49%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $1,421 2.25%
    Red Bluff, CA (FHA|USDA|VA) 1 $245,000 $245,000 $2,988 2.75%
    Ellensburg, WA (FHA|USDA|VA) 1 $205,000 $205,000 $4,089 3.38%
    Sandpoint, ID (FHA|USDA|VA) 1 $205,000 $205,000 $5,185 3.00%
    Cedar City, UT (FHA|USDA|VA) 1 $195,000 $195,000 $7,379 3.63%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $195,000 $195,000 $4,194 3.38%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $195,000 $195,000 $3,120 2.87%
    Payson, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,681 2.88%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $175,000 $175,000 $4,703 3.00%
    YUMA, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $4,316 3.63%
    Dignified Home Loans's top markets include Los Angeles, Bakersfield, Oxnard, Riverside, and San Luis Obispo among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against DIGNIFIED HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Monterey Credit Union
    Similarity Rank: 63
    Christian Community Credit Union
    Similarity Rank: 354
    Credence Funding Corporation
    Similarity Rank: 404
    ALOHA PACIFIC
    Similarity Rank: 670
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 712
    MYPOINT Credit Union
    Similarity Rank: 924
    Chaffey Federal Credit Union
    Similarity Rank: 966
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1164

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,610 $920,470,000 $352,670 $5,216 3.02%
    FHA 357 $116,775,000 $327,101 $10,496 3.00%
    VA 170 $71,230,000 $419,000 $8,033 2.68%
    Reverse Mortgage 26 $10,280,000 $395,385 $0 3.10%
    FHA 15 $4,755,000 $317,000 $0 2.31%
    USDA 13 $3,395,000 $261,154 $6,684 2.80%
    HELOC 3 $615,000 $205,000 n/a 6.57%

    For 2021, Dignified Home Loans's most frequently originated type of loan was Conventional, with 2,610 originations. Their 2nd most popular type was FHA, with 357 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,407 $495,015,000 $351,823 $7,190 2.97%
    Refi 1,024 $357,730,000 $349,346 $4,672 2.93%
    Cash Out Refi 757 $269,785,000 $356,387 $5,361 3.14%
    Other 6 $4,990,000 $831,667 $0 2.84%

    For 2021, Dignified Home Loans's most frequently cited loan purpose was Home Purchase, with 1,407 originations. The 2nd most popular reason was Refi, with 1,024 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,831 $1,040,855,000 $367,663 $6,068 3.08%
    Other 149 $29,025,000 $194,799 $2,832 1.81%
    15 Year 136 $34,620,000 $254,559 $4,265 2.58%
    20 Year 67 $20,935,000 $312,463 $4,251 2.83%
    10 Year 10 $2,080,000 $208,000 $4,330 2.55%
    3 Year 1 $5,000 $5,000 $0 0.00%

    For 2021, Dignified Home Loans's most frequently cited loan duration was 30 Year, with 2,831 originations. The 2nd most popular length was Other, with 149 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,615 $594,845,000 $368,325
    $5k+ 401 $184,585,000 $460,312
    $2k-3k 361 $107,455,000 $297,659
    $<1k 298 $68,660,000 $230,403
    $3k-4k 260 $84,260,000 $324,077
    $4k-5k 210 $70,760,000 $336,952

    Dignified Home Loans's average total fees were $6,068, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,615 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,376 $507,970,000 $369,164
    2.5-3% 1,351 $491,505,000 $363,808
    <2.5% 379 $101,945,000 $268,984
    4-5% 59 $17,655,000 $299,237
    5-6% 11 $6,235,000 $566,818
    6-7% 8 $1,200,000 $150,000
    7-8% 3 $455,000 $151,667

    During 2021, Dignified Home Loans's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 3-4%, with 1,376 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,559 $467,165,000 $299,657 $5,557 3.07%
    $400k-600k 818 $398,790,000 $487,518 $6,396 3.02%
    $100k-200k 431 $69,095,000 $160,313 $4,362 3.13%
    $600k-1MM 231 $164,305,000 $711,277 $9,108 3.11%
    $100,000 or less 137 $3,405,000 $24,854 $1,473 1.27%
    $1MM+ 18 $24,760,000 $1,375,556 $12,851 3.09%

    2021 saw Dignified Home Loans place emphasis on $200k-400k loans with 1,559 originations, totaling $467,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 807 $312,755,000 $387,553 $5,920 3.02%
    $50k-75k 662 $175,820,000 $265,589 $5,941 2.94%
    $75k-100k 660 $211,040,000 $319,758 $5,804 2.93%
    $150k-250k 532 $251,140,000 $472,068 $5,825 3.11%
    $50k or less 363 $83,965,000 $231,309 $5,279 2.88%
    $250k+ 168 $91,470,000 $544,464 $7,120 3.25%

    Dignified Home Loans lent most frequently to those with incomes in the $100k-150k range, with 807 originations. The second most popular income band? $50k-75k, with 662 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 548 $187,170,000 $341,551 $4,827 2.95%
    30-36% 515 $189,485,000 $367,932 $5,551 3.02%
    <20% 219 $57,515,000 $262,626 $4,868 2.68%
    44% 163 $61,485,000 $377,209 $6,967 3.13%
    50-60% 155 $51,745,000 $333,839 $10,316 2.96%
    37% 138 $48,190,000 $349,203 $5,472 3.17%
    49% 131 $48,775,000 $372,328 $6,974 3.09%
    43% 131 $49,045,000 $374,389 $6,001 3.09%
    38% 130 $46,910,000 $360,846 $5,723 2.97%
    42% 128 $46,740,000 $365,156 $5,365 3.12%
    41% 118 $42,270,000 $358,220 $5,639 3.04%
    40% 118 $44,540,000 $377,458 $6,468 3.05%
    47% 114 $39,230,000 $344,123 $6,212 3.05%
    45% 112 $38,890,000 $347,232 $5,804 3.02%
    46% 110 $39,170,000 $356,091 $6,286 3.07%
    48% 99 $38,545,000 $389,343 $6,037 3.07%
    39% 93 $36,265,000 $389,946 $5,338 3.04%
    36% 88 $29,250,000 $332,386 $5,032 3.03%
    >60% 40 $15,320,000 $383,000 $7,659 2.70%

    Dignified Home Loans lent most frequently to those with DTI ratios of 20-30%, with 548 originations. The next most common DTI ratio? 30-36%, with 515 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,639 $933,915,000 $353,890 $5,857 3.00%
    Asian 281 $98,825,000 $351,690 $5,772 3.09%
    Not provided 136 $50,200,000 $369,118 $6,275 2.79%
    Black 100 $31,690,000 $316,900 $6,273 2.88%
    American Indian 30 $10,290,000 $343,000 $6,095 3.04%
    Native Hawaiian or Islander 8 $2,600,000 $325,000 $4,081 3.28%

    Approval Rates

    Total approvals of all applications
    98.31%

    Dignified Home Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    79.46%

    Dignified Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,194 $1,127,520,000 $353,012

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,194 $1,127,520,000 $353,012

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 224 $60,950,000 $272,098 $4,347 2.99%
    40-60% 642 $223,260,000 $347,757 $4,658 2.98%
    60-80% 1,090 $418,330,000 $383,789 $5,485 3.13%
    80-100% 1,049 $398,765,000 $380,138 $7,248 3.08%
    Over 100% 39 $18,155,000 $465,513 $15,998 2.78%
    Under 20% 148 $6,730,000 $45,473 $1,519 1.52%