Digital Federal Credit Union Mortgage Rates, Fees & Info

Marlborough, MA

LEI: 549300JPGMCMBEJEK584

Tax ID: 04-2683316

5 stars - Updated: 2/19/24 - out of 5 stars, based on 83 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Digital Federal Credit Union is a small credit union specializing in Home Purchase loans. Digital Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Worcester, Dallas, Manchester, and New York among others. We have data for 244 markets. (Some data included below & more in-depth data is available with an active subscription.)

Digital Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Digital Federal Credit Union 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) 6.22% 2/19/24
30 Year Conventional Purchase 5.89% 2/19/24
30 Year Conventional Refi 5.86% 2/19/24
30 Year Cash-out Refi 6.17% 2/19/24
15 Year Conventional Purchase 5.36% 2/19/24
15 Year Conventional Refi 5.40% 2/19/24
15 Year Cash-out Refi 5.40% 2/19/24
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.

Digital Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Digital Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

6,863

Origination Dollar Volume (All Markets)

$1,945,015,000
Show all (22) awards

Relative Rate

Digital Federal Credit Union's average 30 year fixed mortgage rate was 4.18%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.58%.

Relative Fees (Closing Costs)

Digital Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $4,767.

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
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1,789 $548,265,000 $306,465 $2,033 4.62%
WORCESTER, MA-CT (FHA|USDA|VA) 939 $164,225,000 $174,894 $2,127 4.67%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 284 $118,540,000 $417,394 $5,050 4.36%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 551 $96,445,000 $175,036 $1,851 4.65%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 225 $78,015,000 $346,733 $4,498 4.46%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 151 $75,505,000 $500,033 $2,223 4.77%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 290 $75,480,000 $260,276 $2,922 4.71%
RALEIGH-CARY, NC (FHA|USDA|VA) 152 $64,560,000 $424,737 $3,720 4.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 116 $55,580,000 $479,138 $6,188 4.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 133 $41,485,000 $311,917 $2,600 4.62%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 130 $39,800,000 $306,154 $3,328 4.56%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 98 $34,330,000 $350,306 $4,661 4.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 86 $30,380,000 $353,256 $3,485 4.03%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 78 $29,010,000 $371,923 $2,555 4.81%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 65 $26,635,000 $409,769 $4,162 4.46%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 67 $24,665,000 $368,134 $5,166 4.05%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 77 $19,565,000 $254,091 $4,061 4.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 69 $17,755,000 $257,319 $2,371 4.75%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 65 $15,575,000 $239,615 $1,462 5.07%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 38 $14,690,000 $386,579 $4,948 4.62%
RICHMOND, VA (FHA|USDA|VA) 42 $14,550,000 $346,429 $3,507 4.47%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 29 $14,295,000 $492,931 $3,508 4.45%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 64 $13,940,000 $217,813 $3,464 4.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 43 $13,515,000 $314,302 $3,056 4.58%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 45 $13,485,000 $299,667 $2,529 4.54%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 34 $12,650,000 $372,059 $3,644 4.53%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 40 $12,050,000 $301,250 $3,574 4.90%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 56 $10,830,000 $193,393 $2,123 4.41%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 33 $9,805,000 $297,121 $4,631 3.95%
SPRINGFIELD, MA (FHA|USDA|VA) 39 $9,425,000 $241,667 $2,995 4.75%
STOCKTON, CA (FHA|USDA|VA) 19 $9,315,000 $490,263 $3,905 3.98%
Concord, NH (FHA|USDA|VA) 50 $8,800,000 $176,000 $2,296 4.78%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 30 $8,770,000 $292,333 $3,887 4.51%
Outside of Metro Areas 45 $8,495,000 $188,778 $2,979 4.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 39 $7,955,000 $203,974 $3,267 4.09%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 26 $7,400,000 $284,615 $2,808 4.69%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 33 $7,365,000 $223,182 $2,813 4.38%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 23 $7,325,000 $318,478 $5,075 4.46%
JACKSONVILLE, FL (FHA|USDA|VA) 21 $6,185,000 $294,524 $3,898 4.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 22 $5,980,000 $271,818 $2,315 4.41%
ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $5,945,000 $283,095 $2,265 4.53%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 18 $5,820,000 $323,333 $4,864 4.19%
PITTSBURGH, PA (FHA|USDA|VA) 21 $5,565,000 $265,000 $4,031 4.60%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $5,345,000 $356,333 $3,956 4.64%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 13 $5,105,000 $392,692 $4,128 4.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $5,045,000 $388,077 $4,622 4.47%
SALT LAKE CITY, UT (FHA|USDA|VA) 12 $4,560,000 $380,000 $4,296 4.46%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 23 $4,485,000 $195,000 $2,499 4.73%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $3,555,000 $273,462 $2,787 4.11%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $3,485,000 $387,222 $4,635 4.65%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $3,365,000 $258,846 $3,387 4.44%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $3,160,000 $263,333 $3,402 4.37%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $3,125,000 $240,385 $2,354 4.76%
Lebanon, NH-VT (FHA|USDA|VA) 18 $3,090,000 $171,667 $2,929 4.04%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $3,065,000 $340,556 $3,422 4.15%
KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $3,050,000 $217,857 $1,746 4.81%
COLORADO SPRINGS, CO (FHA|USDA|VA) 19 $2,945,000 $155,000 $1,424 4.56%
COLUMBUS, OH (FHA|USDA|VA) 18 $2,940,000 $163,333 $1,760 5.24%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $2,615,000 $201,154 $3,269 4.33%
Keene, NH (FHA|USDA|VA) 14 $2,220,000 $158,571 $3,809 4.50%
TULSA, OK (FHA|USDA|VA) 7 $2,205,000 $315,000 $4,220 4.23%
GAINESVILLE, GA (FHA|USDA|VA) 4 $2,200,000 $550,000 $4,500 3.90%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $2,165,000 $309,286 $5,771 4.28%
Laconia, NH (FHA|USDA|VA) 17 $2,135,000 $125,588 $1,769 4.91%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $2,115,000 $235,000 $3,738 4.79%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $2,050,000 $341,667 $5,550 5.21%
BOISE CITY, ID (FHA|USDA|VA) 6 $2,040,000 $340,000 $5,200 4.54%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,960,000 $326,667 $4,717 4.58%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,705,000 $243,571 $4,361 3.79%
COLUMBIA, SC (FHA|USDA|VA) 8 $1,690,000 $211,250 $2,577 4.64%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $1,685,000 $129,615 $1,437 4.80%
Vineyard Haven, MA (FHA|USDA|VA) 4 $1,550,000 $387,500 $1,560 4.68%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,530,000 $382,500 $2,311 4.21%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,485,000 $495,000 $8,565 3.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,117 5.47%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,140 5.31%
MODESTO, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $4,266 4.87%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,295,000 $185,000 $3,659 4.70%
BLOOMINGTON, IL (FHA|USDA|VA) 4 $1,260,000 $315,000 $3,043 4.28%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,255,000 $251,000 $3,423 4.52%
ANN ARBOR, MI (FHA|USDA|VA) 4 $1,240,000 $310,000 $3,244 4.18%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $1,195,000 $398,333 $5,448 3.83%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,927 4.28%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,937 3.69%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $1,095,000 $219,000 $1,834 4.55%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,060,000 $176,667 $2,790 4.71%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,884 4.25%
RENO, NV (FHA|USDA|VA) 2 $990,000 $495,000 $5,111 3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $975,000 $139,286 $1,756 4.28%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $955,000 $191,000 $1,125 5.02%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $860,000 $215,000 $1,529 5.12%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $845,000 $120,714 $1,668 3.96%
LOGAN, UT-ID (FHA|USDA|VA) 2 $830,000 $415,000 $2,740 5.44%
FRESNO, CA (FHA|USDA|VA) 2 $810,000 $405,000 $3,335 3.68%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $800,000 $400,000 $3,481 4.50%
BOULDER, CO (FHA|USDA|VA) 4 $790,000 $197,500 $0 6.03%
LYNCHBURG, VA (FHA|USDA|VA) 2 $790,000 $395,000 $5,728 3.56%
DULUTH, MN-WI (FHA|USDA|VA) 1 $785,000 $785,000 $3,914 4.00%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $780,000 $390,000 $2,994 4.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $740,000 $185,000 $3,320 4.69%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $740,000 $185,000 $1,993 3.93%
WILMINGTON, NC (FHA|USDA|VA) 3 $725,000 $241,667 $2,908 5.08%
OCALA, FL (FHA|USDA|VA) 4 $710,000 $177,500 $4,018 5.41%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $700,000 $350,000 $4,242 3.88%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $670,000 $335,000 $5,654 4.31%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $670,000 $335,000 $3,608 5.69%
ROANOKE, VA (FHA|USDA|VA) 2 $620,000 $310,000 $2,592 4.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $605,000 $201,667 $3,002 4.25%
PITTSFIELD, MA (FHA|USDA|VA) 3 $595,000 $198,333 $2,644 3.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $575,000 $115,000 $300 4.44%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $565,000 $565,000 $10,474 3.00%
Augusta-Waterville, ME (FHA|USDA|VA) 3 $565,000 $188,333 $2,966 4.83%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $565,000 $565,000 $2,250 4.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $540,000 $135,000 $0 3.34%
ASHEVILLE, NC (FHA|USDA|VA) 2 $540,000 $270,000 $1,584 5.00%
TUCSON, AZ (FHA|USDA|VA) 3 $535,000 $178,333 $3,207 3.50%
AKRON, OH (FHA|USDA|VA) 4 $530,000 $132,500 $2,664 4.22%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $530,000 $265,000 $3,620 2.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $530,000 $132,500 $1,806 5.31%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $525,000 $525,000 $0 5.24%
Show Low, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $3,808 5.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $495,000 $495,000 $4,754 4.25%
ROCHESTER, NY (FHA|USDA|VA) 3 $485,000 $161,667 $1,516 4.29%
MADISON, WI (FHA|USDA|VA) 1 $485,000 $485,000 $3,936 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $465,000 $155,000 $2,419 3.87%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $465,000 $155,000 $1,570 4.79%
TOPEKA, KS (FHA|USDA|VA) 1 $465,000 $465,000 $2,387 6.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $455,000 $151,667 $1,817 3.91%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $455,000 $151,667 $2,378 4.08%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $445,000 $148,333 $3,031 3.79%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $440,000 $110,000 $1,395 4.28%
COLUMBUS, IN (FHA|USDA|VA) 2 $420,000 $210,000 $2,475 4.69%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $415,000 $415,000 $5,728 3.63%
MEDFORD, OR (FHA|USDA|VA) 1 $395,000 $395,000 $7,366 3.63%
Findlay, OH (FHA|USDA|VA) 1 $395,000 $395,000 $3,974 3.63%
TWIN FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $4,825 6.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $375,000 $375,000 $2,108 3.88%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $375,000 $375,000 $3,476 4.88%
FARGO, ND-MN (FHA|USDA|VA) 1 $375,000 $375,000 $5,227 5.25%
Hood River, OR (FHA|USDA|VA) 1 $375,000 $375,000 $4,984 2.88%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $370,000 $185,000 $1,702 3.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,580 4.38%
Albemarle, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,815 3.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.50%
Bennington, VT (FHA|USDA|VA) 1 $355,000 $355,000 $4,188 2.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $340,000 $170,000 $2,008 4.25%
Berlin, NH (FHA|USDA|VA) 4 $340,000 $85,000 $2,570 5.00%
GAINESVILLE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,242 4.75%
ERIE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $4,670 4.75%
Wilson, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,905 5.25%
FORT WAYNE, IN (FHA|USDA|VA) 2 $330,000 $165,000 $2,805 4.62%
GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $3,841 4.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $325,000 $325,000 $2,994 6.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $320,000 $160,000 $300 3.87%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $315,000 $315,000 $1,927 3.63%
MONTGOMERY, AL (FHA|USDA|VA) 2 $310,000 $155,000 $3,032 2.44%
KINGSTON, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,696 4.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
Morehead City, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,390 4.88%
Picayune, MS (FHA|USDA|VA) 2 $300,000 $150,000 $2,528 4.69%
Bartlesville, OK (FHA|USDA|VA) 1 $295,000 $295,000 $3,160 4.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $295,000 $98,333 $300 4.91%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $295,000 $295,000 $4,011 3.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $285,000 $285,000 $2,901 4.00%
Barre, VT (FHA|USDA|VA) 1 $275,000 $275,000 $3,286 4.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,928 5.13%
Georgetown, SC (FHA|USDA|VA) 2 $270,000 $135,000 $1,414 4.00%
Oneonta, NY (FHA|USDA|VA) 1 $265,000 $265,000 $3,899 4.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $265,000 $265,000 $2,371 5.13%
GREENVILLE, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,792 3.63%
Frankfort, KY (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.00%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $250,000 $125,000 $300 5.55%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,285 2.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $245,000 $81,667 $300 5.29%
Jefferson, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.13%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.49%
THE VILLAGES, FL (FHA|USDA|VA) 2 $230,000 $115,000 $300 4.49%
WENATCHEE, WA (FHA|USDA|VA) 1 $225,000 $225,000 $2,918 5.50%
DOVER, DE (FHA|USDA|VA) 1 $225,000 $225,000 $5,179 4.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $225,000 $225,000 $1,844 3.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $225,000 $225,000 $4,160 3.63%
READING, PA (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.75%
Corning, NY (FHA|USDA|VA) 2 $220,000 $110,000 $3,243 4.31%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,719 5.13%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $215,000 $215,000 $3,468 4.63%
Rutland, VT (FHA|USDA|VA) 1 $215,000 $215,000 $2,819 5.88%
GREEN BAY, WI (FHA|USDA|VA) 1 $215,000 $215,000 $1,911 2.13%
Cullowhee, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,255 3.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $205,000 $205,000 $2,841 3.25%
Marquette, MI (FHA|USDA|VA) 1 $205,000 $205,000 $300 4.37%
LUBBOCK, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,234 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $195,000 $195,000 $4,091 3.00%
ALBANY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,425 5.00%
SYRACUSE, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,309 6.88%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,262 6.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $180,000 $90,000 $300 4.74%
MORGANTOWN, WV (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.00%
FLINT, MI (FHA|USDA|VA) 2 $170,000 $85,000 $2,648 4.75%
Montrose, CO (FHA|USDA|VA) 1 $165,000 $165,000 $1,836 2.88%
Fairmont, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,607 5.00%
Hilo, HI (FHA|USDA|VA) 1 $165,000 $165,000 $6,589 2.00%
Hudson, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,750 2.88%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,419 3.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,043 4.88%
TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,205 3.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $155,000 $155,000 $300 4.49%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $155,000 $155,000 $2,481 5.00%
LANCASTER, PA (FHA|USDA|VA) 2 $150,000 $75,000 $300 4.80%
Adrian, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,474 4.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,640 3.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
Coshocton, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.00%
Amsterdam, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.49%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,457 4.25%
ROCHESTER, MN (FHA|USDA|VA) 2 $110,000 $55,000 $300 5.18%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $110,000 $55,000 $300 6.56%
Helena, MT (FHA|USDA|VA) 1 $105,000 $105,000 $300 5.24%
Edwards, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,300 3.38%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.63%
Jacksonville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,057 4.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.88%
BATON ROUGE, LA (FHA|USDA|VA) 2 $80,000 $40,000 $300 4.49%
CHICO, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.74%
Centralia, WA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
BANGOR, ME (FHA|USDA|VA) 1 $65,000 $65,000 $300 4.49%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $65,000 $65,000 $300 3.99%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.88%
PEORIA, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.25%
SUMTER, SC (FHA|USDA|VA) 1 $55,000 $55,000 $2,301 3.38%
BRUNSWICK, GA (FHA|USDA|VA) 1 $55,000 $55,000 $2,256 2.25%
Cornelia, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
SANTA FE, NM (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
Marion, OH (FHA|USDA|VA) 1 $45,000 $45,000 $300 4.24%
Somerset, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.50%
Alma, MI (FHA|USDA|VA) 1 $35,000 $35,000 $300 4.87%
SPARTANBURG, SC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.49%
WICHITA, KS (FHA|USDA|VA) 1 $35,000 $35,000 $300 3.99%
Chillicothe, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.50%
Searcy, AR (FHA|USDA|VA) 1 $35,000 $35,000 $300 4.62%
Digital Federal Credit Union's top markets include Boston, Worcester, Dallas, Manchester, and New York among others.

Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

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

    First Savings Bank of Hegewisch
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,854 $1,649,170,000 $339,755 $2,969 4.26%
    HELOC 2,009 $295,845,000 $147,260 n/a 5.32%

    For 2022, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 4,854 originations. Their 2nd most popular type was HELOC, with 2,009 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,196 $969,870,000 $441,653 $4,759 4.42%
    Home Improvement 1,873 $194,615,000 $103,905 $347 5.10%
    Other 1,206 $157,570,000 $130,655 $640 4.95%
    Cash Out Refi 973 $251,665,000 $258,649 $2,872 4.02%
    Refi 615 $371,295,000 $603,732 $3,063 3.57%

    For 2022, Digital Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 2,196 originations. The 2nd most popular reason was Home Improvement, with 1,873 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,382 $1,047,080,000 $439,580 $4,767 4.18%
    30+ year 2,009 $295,845,000 $147,260 $0 5.32%
    15 Year 904 $188,160,000 $208,142 $1,947 3.93%
    20 Year 835 $109,845,000 $131,551 $716 4.92%
    10 Year 581 $241,875,000 $416,308 $758 4.13%
    5 Year 139 $8,685,000 $62,482 $301 4.17%
    Other 12 $52,370,000 $4,364,167 $0 4.10%
    1 Year 1 $1,155,000 $1,155,000 $0 6.00%

    For 2022, Digital Federal Credit Union's most frequently cited loan duration was 30 Year, with 2,382 originations. The 2nd most popular length was 30+ year, with 2,009 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,578 $887,930,000 $248,164
    $1k-2k 451 $167,625,000 $371,674
    $2k-3k 244 $101,740,000 $416,967
    $3k-4k 174 $76,900,000 $441,954
    $5k+ 171 $97,775,000 $571,784
    $4k-5k 98 $46,740,000 $476,939

    Digital Federal Credit Union's average total fees were $4,767, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,578 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,716 $617,370,000 $227,309
    5-6% 1,623 $371,385,000 $228,826
    3-4% 1,252 $622,150,000 $496,925
    6-7% 435 $77,235,000 $177,552
    2.5-3% 408 $143,820,000 $352,500
    <2.5% 332 $95,770,000 $288,464
    7-8% 97 $17,285,000 $178,196

    During 2022, Digital Federal Credit Union's average interest rate for loans was 4.18%, while their most frequently originated rate bucket for loans was 4-5%, with 2,716 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,043 $120,445,000 $58,955 $429 4.95%
    $200k-400k 1,662 $479,730,000 $288,646 $3,379 4.32%
    $100k-200k 1,547 $214,205,000 $138,465 $1,436 4.68%
    $400k-600k 1,100 $537,900,000 $489,000 $5,182 4.31%
    $600k-1MM 433 $302,725,000 $699,134 $6,351 4.05%
    $1MM+ 78 $290,010,000 $3,718,077 $8,186 3.88%

    2022 saw Digital Federal Credit Union place emphasis on $100,000 or less loans with 2,043 originations, totaling $120,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,299 $541,715,000 $235,631 $2,955 4.57%
    $150k-250k 2,270 $623,280,000 $274,573 $3,102 4.61%
    $75k-100k 846 $145,930,000 $172,494 $2,504 4.52%
    $250k+ 789 $289,065,000 $366,369 $3,475 4.60%
    $50k-75k 436 $63,830,000 $146,399 $2,449 4.49%
    $50k or less 103 $10,875,000 $105,583 $2,646 4.40%

    Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,299 originations. The second most popular income band? $150k-250k, with 2,270 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,664 $376,840,000 $226,466 $2,779 4.40%
    30-36% 1,425 $357,265,000 $250,712 $2,985 4.61%
    <20% 504 $112,060,000 $222,341 $2,903 4.27%
    44% 454 $84,500,000 $186,123 $1,995 4.98%
    43% 332 $78,870,000 $237,560 $2,483 4.80%
    42% 300 $71,820,000 $239,400 $2,509 4.73%
    40% 278 $71,520,000 $257,266 $2,922 4.76%
    39% 276 $73,540,000 $266,449 $3,337 4.65%
    41% 262 $67,690,000 $258,359 $3,052 4.69%
    36% 262 $63,720,000 $243,206 $2,803 4.66%
    38% 261 $58,915,000 $225,728 $2,708 4.64%
    37% 257 $63,945,000 $248,813 $2,915 4.71%
    45% 153 $46,825,000 $306,046 $3,519 4.58%
    47% 98 $44,790,000 $457,041 $4,561 4.32%
    46% 85 $36,235,000 $426,294 $4,567 4.23%
    49% 73 $30,595,000 $419,110 $4,907 4.52%
    48% 66 $28,670,000 $434,394 $5,113 4.16%
    50-60% 49 $18,395,000 $375,408 $5,073 4.06%
    >60% 5 $2,475,000 $495,000 $4,046 3.70%

    Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,664 originations. The next most common DTI ratio? 30-36%, with 1,425 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,004 $540,710,000 $179,997 $2,075 4.65%
    Asian 1,540 $509,030,000 $330,539 $3,843 4.49%
    Asian Indian 845 $307,895,000 $364,373 $4,063 4.42%
    Not provided 1,102 $264,960,000 $240,436 $2,838 4.53%
    Not applicable 59 $256,345,000 $4,344,831 $0 4.06%
    Black 221 $46,235,000 $209,208 $2,916 4.81%
    Other Asian 38 $9,660,000 $254,211 $2,634 4.90%
    American Indian 21 $2,855,000 $135,952 $2,128 4.44%
    Vietnamese 10 $2,320,000 $232,000 $2,102 4.21%
    Chinese 9 $1,715,000 $190,556 $4,165 5.19%
    Native Hawaiian or Islander 8 $1,580,000 $197,500 $3,035 4.39%
    Korean 2 $960,000 $480,000 $5,243 4.25%
    Filipino 3 $695,000 $231,667 $2,899 4.79%
    Japanese 1 $55,000 $55,000 $0 5.38%

    Approval Rates

    Total approvals of all applications
    82.62%

    Digital Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    41.86%

    Digital Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,863 $1,945,015,000 $283,406

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,863 $1,945,015,000 $283,406

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,228 $238,610,000 $194,308 $1,297 4.79%
    40-60% 586 $206,920,000 $353,106 $3,063 3.79%
    60-80% 969 $598,535,000 $617,683 $4,606 4.01%
    80-100% 1,498 $691,920,000 $461,896 $5,074 4.35%
    Under 20% 2,581 $208,875,000 $80,928 $371 4.97%