Dignified Home Loans at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
95th0.7% deniedPricingmedian rate spread over APOR, weight 30%
45th0.31 ptsProcesswithdrawn + incomplete share, weight 15%
43rd13.2%Closing coststotal loan costs ÷ loan amount, weight 10%
45th2.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 573 | 442 | 1.8% | 2.1% | 6.63% | $183M |
| 2024 | 718 | 532 | 2.4% | 2.8% | 6.63% | $226M |
| 2025 | 623 | 487 | 0.6% | 0.7% | 6.62% | $214M |
What Dignified Home Loans lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 74 investment properties.
Why Dignified Home Loans denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dignified Home Loans
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 130 | 92 | 2.8% |
| $100k – $150k | 193 | 144 | 0.0% |
| $150k – $250k | 186 | 162 | 0.6% |
| Over $250k | 93 | 75 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 23 | 22 | 0.0% |
| 25–34 | 157 | 134 | 0.0% |
| 35–44 | 162 | 124 | 0.7% |
| 45–54 | 106 | 79 | 2.2% |
| 55–64 | 104 | 76 | 1.2% |
| 65–74 | 59 | 44 | 0.0% |
Where Dignified Home Loans lends
10 states and 47 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 558 | 440 | 0.4% | 6.62% | #247 |
| Ohio | 16 | 12 | 12.5% | 6.50% | #560 |
| Washington | 16 | 15 | 0.0% | 6.75% | #410 |
| Nevada | 14 | 7 | 0.0% | 6.75% | #293 |
| Arizona | 7 | 6 | 0.0% | 6.88% | #552 |
Frequently asked questions
Dignified Home Loans denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason Dignified Home Loans gave in 2025 was "other", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Dignified Home Loans originated in 2025 was 6.62%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 80% of its applications were for home purchases, 20% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 79% conventional, 16% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.