Dignified Home Loans in California vs the state
0.4%Denial rate-17.06 pts vs state
0.4%Decision denial rate-21.99 pts vs state
78.9%Origination rate+22.65 pts vs state
6.62%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.02 pts vs state
$145kMedian applicant income
440Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 542 | 418 | 1.7% | 6.63% | #213 |
| 2024 | 626 | 463 | 1.8% | 6.63% | #218 |
| 2025 | 558 | 440 | 0.4% | 6.62% | #247 |
What Dignified Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Dignified Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kern County | 262 | 210 | 0 | 0.0% |
| Ventura County | 101 | 88 | 0 | 0.0% |
| Los Angeles County | 45 | 30 | 2 | 4.4% |
| San Luis Obispo County | 41 | 31 | 0 | 0.0% |
| Orange County | 23 | 20 | 0 | 0.0% |
| Riverside County | 16 | 10 | 0 | 0.0% |
| San Bernardino County | 12 | 9 | 0 | 0.0% |
| San Joaquin County | 11 | 8 | 0 | 0.0% |
| San Diego County | 8 | 6 | 0 | 0.0% |
| Monterey County | 7 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 558 applications in 2025, of which 440 were originated and 2 denied.
0.4% of all applications, or 0.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Dignified Home Loans originated in California in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Dignified Home Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology