Digital Federal Credit Union Mortgage Rates, Fees & Info

Marlborough, MA

LEI: 549300JPGMCMBEJEK584

Tax ID: 04-2683316

4.8 stars - out of 5 stars, based on 77 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Digital Federal Credit Union is a small credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Digital Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Worcester, Manchester, New York, and Providence among others. We have data for 231 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. 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 in 2021-- chances are they are still one in 2022.

    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
    30 Year Conventional Purchase 5.33% 8/6/22
    30 Year Conventional Refi 5.49% 8/6/22
    30 Year Cash-out Refi 5.56% 8/6/22
    15 Year Conventional Purchase 4.51% 8/6/22
    15 Year Conventional Refi 4.58% 8/6/22
    15 Year Cash-out Refi 4.58% 8/6/22
    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

    5,986

    Origination Dollar Volume (All Markets)

    $1,550,960,000
    Show all (22) awards

    Relative Rate

    Digital Federal Credit Union's average 30 year fixed rate mortgage of loans were 2.93%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.22%.

    Relative Fees

    Digital Federal Credit Union's average total fees for a 30 year fixed rate mortgage are $5,569.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $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) » 1,893 $628,785,000 $332,163 $4,478 3.37%
    WORCESTER, MA-CT (FHA|USDA|VA) » 1,216 $253,200,000 $208,224 $3,947 3.25%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 660 $131,900,000 $199,848 $3,875 3.35%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 161 $45,165,000 $280,528 $5,352 3.29%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 132 $40,330,000 $305,530 $4,680 3.16%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 143 $31,115,000 $217,587 $4,223 3.44%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 92 $20,500,000 $222,826 $3,772 3.79%
    Outside of Metro Areas 60 $15,500,000 $258,333 $4,444 2.99%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 67 $15,495,000 $231,269 $4,491 3.16%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) » 53 $13,855,000 $261,415 $3,797 3.03%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 39 $12,235,000 $313,718 $3,806 4.15%
    Concord, NH (FHA|USDA|VA) » 62 $12,180,000 $196,452 $3,744 3.15%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 51 $10,955,000 $214,804 $4,188 3.21%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 40 $10,880,000 $272,000 $4,194 3.61%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 36 $10,530,000 $292,500 $5,199 2.85%
    SPRINGFIELD, MA (FHA|USDA|VA) » 48 $9,870,000 $205,625 $3,928 3.02%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 43 $9,775,000 $227,326 $3,754 3.29%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 38 $9,750,000 $256,579 $5,904 4.11%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 36 $9,690,000 $269,167 $3,325 3.09%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 23 $8,695,000 $378,043 $5,281 3.61%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 42 $8,470,000 $201,667 $3,023 3.30%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 40 $8,150,000 $203,750 $3,576 3.13%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 32 $7,800,000 $243,750 $3,571 3.71%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 28 $7,700,000 $275,000 $5,393 3.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 32 $7,490,000 $234,063 $3,635 3.04%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 19 $7,125,000 $375,000 $4,262 3.66%
    STOCKTON, CA (FHA|USDA|VA) » 17 $6,825,000 $401,471 $6,670 3.53%
    Lebanon, NH-VT (FHA|USDA|VA) » 30 $6,790,000 $226,333 $4,348 3.06%
    Laconia, NH (FHA|USDA|VA) » 29 $6,575,000 $226,724 $4,382 3.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 26 $5,700,000 $219,231 $4,286 3.59%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 19 $5,375,000 $282,895 $4,787 3.23%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 13 $5,335,000 $410,385 $7,732 2.96%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 21 $5,195,000 $247,381 $3,883 2.84%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 27 $5,125,000 $189,815 $3,346 3.23%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 18 $5,110,000 $283,889 $4,656 3.38%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 23 $4,875,000 $211,957 $3,929 3.55%
    Keene, NH (FHA|USDA|VA) » 23 $4,385,000 $190,652 $2,984 2.87%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 18 $4,170,000 $231,667 $3,778 3.41%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 13 $3,935,000 $302,692 $3,981 3.22%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 13 $3,905,000 $300,385 $6,404 3.25%
    JACKSONVILLE, FL (FHA|USDA|VA) » 13 $3,885,000 $298,846 $6,030 2.67%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 12 $3,590,000 $299,167 $7,822 4.11%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 19 $3,505,000 $184,474 $3,708 3.27%
    RICHMOND, VA (FHA|USDA|VA) » 17 $3,245,000 $190,882 $2,779 3.48%
    COLUMBUS, OH (FHA|USDA|VA) » 19 $3,145,000 $165,526 $3,685 3.30%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 9 $3,105,000 $345,000 $3,493 2.67%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 14 $2,800,000 $200,000 $4,697 3.50%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 14 $2,720,000 $194,286 $2,320 3.37%
    PITTSBURGH, PA (FHA|USDA|VA) » 17 $2,645,000 $155,588 $4,105 3.18%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 10 $2,530,000 $253,000 $4,915 2.96%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » 8 $2,450,000 $306,250 $5,796 2.77%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 10 $2,400,000 $240,000 $5,510 3.52%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 6 $2,310,000 $385,000 $4,946 2.58%
    Vineyard Haven, MA (FHA|USDA|VA) » 3 $2,115,000 $705,000 $4,245 3.04%
    TUCSON, AZ (FHA|USDA|VA) » 10 $2,110,000 $211,000 $2,982 3.02%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 8 $1,960,000 $245,000 $5,271 2.66%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 12 $1,930,000 $160,833 $2,002 3.28%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) » 10 $1,900,000 $190,000 $4,726 2.94%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 7 $1,825,000 $260,714 $4,532 2.98%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 7 $1,765,000 $252,143 $5,838 2.70%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 6 $1,490,000 $248,333 $3,864 2.58%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 5 $1,485,000 $297,000 $3,853 2.75%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 9 $1,475,000 $163,889 $1,320 3.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 6 $1,470,000 $245,000 $3,870 2.81%
    FORT COLLINS, CO (FHA|USDA|VA) » 4 $1,430,000 $357,500 $3,700 2.69%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 6 $1,400,000 $233,333 $3,472 3.02%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 6 $1,350,000 $225,000 $3,735 2.92%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 5 $1,345,000 $269,000 $3,971 2.83%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 7 $1,215,000 $173,571 $3,935 3.75%
    COLUMBIA, SC (FHA|USDA|VA) » 6 $1,200,000 $200,000 $2,938 2.79%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 6 $1,200,000 $200,000 $3,734 2.46%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 8 $1,180,000 $147,500 $2,658 3.22%
    VISALIA, CA (FHA|USDA|VA) » 3 $1,125,000 $375,000 $8,499 2.88%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 3 $1,105,000 $368,333 $5,343 2.75%
    PITTSFIELD, MA (FHA|USDA|VA) » 6 $1,070,000 $178,333 $3,451 2.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 4 $1,020,000 $255,000 $3,547 2.59%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 3 $1,005,000 $335,000 $4,934 2.79%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 4 $1,000,000 $250,000 $2,180 2.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 4 $960,000 $240,000 $3,728 3.56%
    TALLAHASSEE, FL (FHA|USDA|VA) » 3 $935,000 $311,667 $6,414 2.58%
    BOULDER, CO (FHA|USDA|VA) » 5 $915,000 $183,000 $2,960 3.72%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 5 $905,000 $181,000 $3,842 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 5 $905,000 $181,000 $2,802 2.95%
    PANAMA CITY, FL (FHA|USDA|VA) » 3 $905,000 $301,667 $10,337 3.33%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 5 $905,000 $181,000 $4,054 3.07%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 2 $900,000 $450,000 $7,037 3.68%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 6 $900,000 $150,000 $2,449 3.79%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 4 $880,000 $220,000 $5,137 3.06%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 4 $870,000 $217,500 $4,897 3.22%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) » 4 $850,000 $212,500 $4,170 3.06%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » 4 $820,000 $205,000 $3,020 3.37%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 3 $815,000 $271,667 $4,338 3.95%
    BOISE CITY, ID (FHA|USDA|VA) » 3 $805,000 $268,333 $3,822 3.37%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $805,000 $268,333 $3,965 2.63%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 1 $795,000 $795,000 $12,544 3.25%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 5 $795,000 $159,000 $0 4.32%
    KNOXVILLE, TN (FHA|USDA|VA) » 4 $790,000 $197,500 $1,872 3.28%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 3 $785,000 $261,667 $6,804 3.08%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 3 $775,000 $258,333 $3,191 2.29%
    JACKSON, MS (FHA|USDA|VA) » 2 $750,000 $375,000 $7,618 2.69%
    WICHITA, KS (FHA|USDA|VA) » 3 $725,000 $241,667 $3,742 2.71%
    ANN ARBOR, MI (FHA|USDA|VA) » 3 $715,000 $238,333 $4,694 3.33%
    BATON ROUGE, LA (FHA|USDA|VA) » 3 $705,000 $235,000 $3,525 2.63%
    ROCHESTER, NY (FHA|USDA|VA) » 6 $700,000 $116,667 $3,789 3.31%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 3 $685,000 $228,333 $5,119 2.67%
    SAVANNAH, GA (FHA|USDA|VA) » 3 $655,000 $218,333 $6,051 2.79%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 3 $625,000 $208,333 $2,873 2.54%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 2 $580,000 $290,000 $4,106 2.81%
    THE VILLAGES, FL (FHA|USDA|VA) » 2 $580,000 $290,000 $4,873 2.94%
    VALLEJO, CA (FHA|USDA|VA) » 1 $565,000 $565,000 $7,581 2.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 3 $555,000 $185,000 $7,259 3.25%
    JACKSON, MI (FHA|USDA|VA) » 2 $550,000 $275,000 $6,015 2.56%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » 3 $545,000 $181,667 $3,098 2.38%
    COLUMBUS, IN (FHA|USDA|VA) » 2 $540,000 $270,000 $2,934 2.31%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 4 $540,000 $135,000 $5,228 3.59%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 3 $535,000 $178,333 $2,831 3.54%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 2 $530,000 $265,000 $8,364 3.75%
    ROANOKE, VA (FHA|USDA|VA) » 4 $520,000 $130,000 $4,556 3.31%
    Augusta-Waterville, ME (FHA|USDA|VA) » 4 $520,000 $130,000 $4,117 3.75%
    NILES, MI (FHA|USDA|VA) » 3 $515,000 $171,667 $3,047 2.50%
    Berlin, NH (FHA|USDA|VA) » 3 $515,000 $171,667 $1,672 3.41%
    BANGOR, ME (FHA|USDA|VA) » 3 $495,000 $165,000 $4,124 2.96%
    Bennington, VT (FHA|USDA|VA) » 4 $490,000 $122,500 $3,615 3.37%
    OCALA, FL (FHA|USDA|VA) » 4 $480,000 $120,000 $4,331 3.31%
    BURLINGTON, NC (FHA|USDA|VA) » 3 $475,000 $158,333 $2,931 3.29%
    LANCASTER, PA (FHA|USDA|VA) » 3 $475,000 $158,333 $3,238 3.83%
    GREEN BAY, WI (FHA|USDA|VA) » 2 $460,000 $230,000 $7,752 2.56%
    BELLINGHAM, WA (FHA|USDA|VA) » 2 $460,000 $230,000 $4,665 3.68%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 2 $440,000 $220,000 $4,397 3.75%
    PROVO-OREM, UT (FHA|USDA|VA) » 1 $435,000 $435,000 $2,952 2.75%
    LAS CRUCES, NM (FHA|USDA|VA) » 2 $430,000 $215,000 $3,551 2.81%
    ST. GEORGE, UT (FHA|USDA|VA) » 1 $425,000 $425,000 $4,035 2.88%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 3 $425,000 $141,667 $2,036 2.38%
    Glenwood Springs, CO (FHA|USDA|VA) » 1 $415,000 $415,000 $2,361 3.13%
    MODESTO, CA (FHA|USDA|VA) » 2 $410,000 $205,000 $0 4.12%
    Morehead City, NC (FHA|USDA|VA) » 1 $405,000 $405,000 $5,905 3.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 2 $390,000 $195,000 $2,533 3.06%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 2 $380,000 $190,000 $3,091 2.94%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 2 $380,000 $190,000 $2,086 3.18%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 1 $345,000 $345,000 $4,251 2.63%
    BLOOMINGTON, IL (FHA|USDA|VA) » 2 $340,000 $170,000 $2,308 2.25%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 2 $330,000 $165,000 $0 3.81%
    WARNER ROBINS, GA (FHA|USDA|VA) » 1 $325,000 $325,000 $3,257 3.13%
    SALEM, OR (FHA|USDA|VA) » 1 $325,000 $325,000 $4,849 2.75%
    AKRON, OH (FHA|USDA|VA) » 1 $325,000 $325,000 $4,946 2.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 2 $310,000 $155,000 $2,644 4.06%
    APPLETON, WI (FHA|USDA|VA) » 1 $305,000 $305,000 $2,760 2.88%
    Clearlake, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $8,136 3.00%
    SANTA FE, NM (FHA|USDA|VA) » 2 $300,000 $150,000 $4,105 3.43%
    HUNTSVILLE, AL (FHA|USDA|VA) » 2 $300,000 $150,000 $1,783 3.93%
    MERCED, CA (FHA|USDA|VA) » 1 $285,000 $285,000 $6,361 3.38%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) » 1 $285,000 $285,000 $2,900 3.00%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 1 $285,000 $285,000 $4,604 2.50%
    Torrington, CT (FHA|USDA|VA) » 3 $275,000 $91,667 $2,375 3.12%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 1 $275,000 $275,000 $7,862 2.88%
    RENO, NV (FHA|USDA|VA) » 2 $270,000 $135,000 $3,706 3.12%
    Winona, MN (FHA|USDA|VA) » 1 $265,000 $265,000 $3,761 2.63%
    LAFAYETTE, LA (FHA|USDA|VA) » 1 $265,000 $265,000 $7,669 2.63%
    Jefferson, GA (FHA|USDA|VA) » 2 $260,000 $130,000 $1,495 3.87%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $255,000 $255,000 $4,774 2.75%
    Truckee-Grass Valley, CA (FHA|USDA|VA) » 1 $255,000 $255,000 $8,916 2.88%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 1 $255,000 $255,000 $3,159 2.25%
    Holland, MI (FHA|USDA|VA) » 1 $255,000 $255,000 $6,391 3.25%
    Eufaula, AL-GA (FHA|USDA|VA) » 1 $245,000 $245,000 $3,664 3.00%
    BAKERSFIELD, CA (FHA|USDA|VA) » 1 $245,000 $245,000 $0 4.49%
    JEFFERSON CITY, MO (FHA|USDA|VA) » 2 $240,000 $120,000 $5,308 2.94%
    Centralia, WA (FHA|USDA|VA) » 1 $235,000 $235,000 $6,349 3.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » 1 $235,000 $235,000 $3,220 2.88%
    Greeneville, TN (FHA|USDA|VA) » 1 $225,000 $225,000 $5,536 2.75%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 1 $225,000 $225,000 $5,937 2.38%
    Corning, NY (FHA|USDA|VA) » 2 $220,000 $110,000 $2,487 2.81%
    Plattsburgh, NY (FHA|USDA|VA) » 1 $215,000 $215,000 $8,012 2.63%
    KINGSTON, NY (FHA|USDA|VA) » 1 $215,000 $215,000 $6,140 2.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) » 1 $215,000 $215,000 $3,760 2.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 1 $205,000 $205,000 $6,320 2.25%
    ASHEVILLE, NC (FHA|USDA|VA) » 1 $205,000 $205,000 $3,060 2.25%
    Frankfort, KY (FHA|USDA|VA) » 1 $205,000 $205,000 $2,894 3.13%
    KOKOMO, IN (FHA|USDA|VA) » 1 $205,000 $205,000 $3,616 3.00%
    EAST STROUDSBURG, PA (FHA|USDA|VA) » 1 $195,000 $195,000 $4,438 2.38%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 1 $185,000 $185,000 $4,153 2.88%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 1 $185,000 $185,000 $0 4.49%
    MADISON, WI (FHA|USDA|VA) » 1 $185,000 $185,000 $1,961 3.25%
    BRUNSWICK, GA (FHA|USDA|VA) » 1 $185,000 $185,000 $5,765 3.00%
    CHICO, CA (FHA|USDA|VA) » 2 $180,000 $90,000 $0 4.49%
    Athens, OH (FHA|USDA|VA) » 1 $175,000 $175,000 $3,265 2.38%
    ODESSA, TX (FHA|USDA|VA) » 1 $175,000 $175,000 $3,204 3.13%
    Clarksburg, WV (FHA|USDA|VA) » 1 $175,000 $175,000 $3,268 2.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 1 $175,000 $175,000 $7,045 2.88%
    MONROE, MI (FHA|USDA|VA) » 1 $175,000 $175,000 $3,737 2.75%
    FRESNO, CA (FHA|USDA|VA) » 1 $175,000 $175,000 $3,799 2.38%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 1 $175,000 $175,000 $3,851 2.88%
    SYRACUSE, NY (FHA|USDA|VA) » 1 $175,000 $175,000 $2,875 3.13%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) » 1 $165,000 $165,000 $2,630 3.00%
    GREENVILLE, NC (FHA|USDA|VA) » 1 $165,000 $165,000 $3,212 2.88%
    Rutland, VT (FHA|USDA|VA) » 1 $165,000 $165,000 $2,995 2.88%
    ROCKY MOUNT, NC (FHA|USDA|VA) » 1 $165,000 $165,000 $5,056 2.25%
    Barre, VT (FHA|USDA|VA) » 1 $165,000 $165,000 $5,088 3.38%
    MONTGOMERY, AL (FHA|USDA|VA) » 1 $155,000 $155,000 $2,272 2.38%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 1 $155,000 $155,000 $2,970 2.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 1 $145,000 $145,000 $2,193 2.50%
    Ada, OK (FHA|USDA|VA) » 1 $145,000 $145,000 $5,226 2.38%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) » 1 $135,000 $135,000 $3,083 2.50%
    Searcy, AR (FHA|USDA|VA) » 1 $135,000 $135,000 $4,123 3.00%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 1 $135,000 $135,000 $0 4.49%
    GREELEY, CO (FHA|USDA|VA) » 1 $125,000 $125,000 $3,472 3.13%
    Tupelo, MS (FHA|USDA|VA) » 1 $115,000 $115,000 $5,993 3.13%
    KANKAKEE, IL (FHA|USDA|VA) » 1 $115,000 $115,000 $4,946 2.88%
    FORT WAYNE, IN (FHA|USDA|VA) » 1 $115,000 $115,000 $1,471 3.13%
    Ogdensburg-Massena, NY (FHA|USDA|VA) » 1 $115,000 $115,000 $4,561 2.88%
    BINGHAMTON, NY (FHA|USDA|VA) » 1 $115,000 $115,000 $3,465 3.00%
    TOPEKA, KS (FHA|USDA|VA) » 1 $105,000 $105,000 $3,730 2.50%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 1 $105,000 $105,000 $2,141 2.38%
    READING, PA (FHA|USDA|VA) » 1 $105,000 $105,000 $2,805 2.88%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 1 $105,000 $105,000 $2,661 3.13%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » 1 $105,000 $105,000 $4,031 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) » 1 $105,000 $105,000 $2,786 2.50%
    PEORIA, IL (FHA|USDA|VA) » 1 $95,000 $95,000 $2,201 2.88%
    Meadville, PA (FHA|USDA|VA) » 1 $95,000 $95,000 $3,408 3.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 1 $95,000 $95,000 $1,710 2.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 2 $90,000 $45,000 $0 4.12%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $75,000 $75,000 $0 4.49%
    Marshalltown, IA (FHA|USDA|VA) » 1 $75,000 $75,000 $2,862 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $65,000 $65,000 $2,143 2.63%
    DOTHAN, AL (FHA|USDA|VA) » 1 $65,000 $65,000 $2,906 2.50%
    Findlay, OH (FHA|USDA|VA) » 1 $65,000 $65,000 $2,486 2.25%
    ENID, OK (FHA|USDA|VA) » 1 $55,000 $55,000 $4,064 2.88%
    LAWRENCE, KS (FHA|USDA|VA) » 1 $55,000 $55,000 $0 4.74%
    Silver City, NM (FHA|USDA|VA) » 1 $45,000 $45,000 $0 4.49%
    OCEAN CITY, NJ (FHA|USDA|VA) » 1 $35,000 $35,000 $0 4.74%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 1 $35,000 $35,000 $0 3.74%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 1 $35,000 $35,000 $0 4.49%

    Digital Federal Credit Union's top markets include Boston, Worcester, Manchester, New York, and Providence among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 5,986 $1,550,960,000 $259,098 $4,210 3.30%

    For the 2021 period, Digital Federal Credit Union's most frequently originated loan type of loans were Conventional, with 5,986 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi » 1,705 $545,575,000 $319,985 $3,964 2.73%
    Cash Out Refi » 1,656 $412,840,000 $249,300 $5,537 3.12%
    Home Purchase » 1,224 $450,470,000 $368,031 $4,872 2.93%
    Home Improvement » 822 $75,800,000 $92,214 $56 4.63%
    Other » 579 $66,275,000 $114,465 $950 4.43%

    For the 2021, Digital Federal Credit Union's most frequently cited loan purpose of loans were Refi, with 1,705 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,656 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 2,284 $727,880,000 $318,687 $5,569 2.93%
    15 Year » 1,259 $279,555,000 $222,045 $3,315 2.88%
    30+ year » 1,045 $134,195,000 $128,416 $0 4.47%
    20 Year » 680 $151,380,000 $222,618 $3,763 3.40%
    10 Year » 568 $198,910,000 $350,194 $1,971 3.31%
    5 Year » 136 $7,760,000 $57,059 $2 4.01%
    Other » 14 $51,280,000 $3,662,857 $3,443 3.49%

    For the 2021, Digital Federal Credit Union's most frequently cited loan length of loans were 30 Year, with 2,284 originations. The 2nd most popular length of loans were 15 Year, with 1,259 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $<1k » 1,658 $276,520,000 $166,779
    $1k-2k » 938 $203,870,000 $217,345
    $5k+ » 726 $299,330,000 $412,300
    $2k-3k » 689 $183,995,000 $267,046
    $3k-4k » 478 $146,120,000 $305,690
    $4k-5k » 293 $94,685,000 $323,157

    $5,569 of loans were Digital Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,658 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% » 2,388 $718,630,000 $300,934
    4-5% » 1,405 $160,315,000 $114,103
    <2.5% » 1,207 $280,235,000 $232,175
    3-4% » 784 $376,390,000 $480,089
    5-6% » 199 $15,095,000 $75,854
    6-7% » 3 $295,000 $98,333

    During 2021, Digital Federal Credit Union's average interest rate of loans were 2.93%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,388 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 2,312 $652,840,000 $282,370 $4,942 2.97%
    $100k-200k » 1,631 $241,555,000 $148,102 $2,951 3.19%
    $100,000 or less » 1,272 $75,050,000 $59,002 $660 4.29%
    $400k-600k » 567 $268,115,000 $472,866 $7,166 2.91%
    $600k-1MM » 142 $102,110,000 $719,085 $10,474 2.91%
    $1MM+ » 62 $211,290,000 $3,407,903 $17,381 3.19%

    2021 saw Digital Federal Credit Union place emphasis on $200k-400k loans with 2,312 originations, totaling $652,840,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 1,854 $410,870,000 $221,613 $4,053 3.31%
    $150k-250k » 1,585 $407,505,000 $257,101 $4,722 3.42%
    $75k-100k » 952 $194,450,000 $204,254 $3,989 3.22%
    $50k-75k » 761 $133,355,000 $175,237 $3,680 3.10%
    $250k+ » 445 $160,365,000 $360,371 $5,950 3.51%
    $50k or less » 236 $29,140,000 $123,475 $3,053 3.15%

    Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,854 originations. The second most popular income band? $150k-250k, with 1,585 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 1,733 $407,405,000 $235,087 $4,302 3.16%
    30-36% » 1,270 $298,080,000 $234,709 $4,282 3.34%
    <20% » 718 $153,370,000 $213,607 $3,861 2.96%
    44% » 278 $49,390,000 $177,662 $3,178 4.02%
    39% » 221 $45,965,000 $207,986 $3,663 3.61%
    43% » 212 $45,810,000 $216,085 $4,135 3.66%
    38% » 207 $43,715,000 $211,184 $4,319 3.54%
    41% » 197 $43,015,000 $218,350 $3,812 3.59%
    42% » 187 $42,865,000 $229,225 $4,000 3.53%
    36% » 184 $43,730,000 $237,663 $4,768 3.50%
    37% » 183 $42,355,000 $231,448 $4,151 3.45%
    40% » 171 $39,015,000 $228,158 $4,103 3.49%
    45% » 88 $24,680,000 $280,455 $4,970 3.10%
    46% » 72 $19,730,000 $274,028 $4,928 2.88%
    47% » 68 $20,220,000 $297,353 $5,554 2.84%
    49% » 59 $18,345,000 $310,932 $5,478 2.94%
    48% » 57 $13,925,000 $244,298 $4,705 2.90%
    50-60% » 25 $5,095,000 $203,800 $4,459 3.14%
    >60% » 1 $205,000 $205,000 $3,331 2.38%

    Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,733 originations. The next most common DTI ratio? 30-36%, with 1,270 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 3,485 $753,755,000 $216,286 $4,088 3.32%
    Asian » 1,102 $278,700,000 $252,904 $4,259 3.35%
    Not provided » 1,045 $255,555,000 $244,550 $4,425 3.25%
    Not applicable » 55 $194,045,000 $3,528,091 $0 3.45%
    Black » 270 $62,960,000 $233,185 $4,758 3.13%
    American Indian » 18 $3,470,000 $192,778 $3,823 3.37%
    Native Hawaiian or Islander » 5 $885,000 $177,000 $6,256 3.55%
    Asian Indian » 2 $580,000 $290,000 $2,480 2.06%
    Vietnamese » 1 $425,000 $425,000 $1,825 2.63%
    Chinese » 2 $390,000 $195,000 $4,985 3.43%
    Filipino » 1 $195,000 $195,000 $2,603 2.25%

    Approval Rates

    Total approvals of all applications
    81.29%

    Digital Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    29.70%

    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 5,986 $1,550,960,000 $259,098

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 5,986 $1,550,960,000 $259,098

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 998 $174,480,000 $174,830 $2,512 3.44%
    40-60% » 1,212 $319,190,000 $263,358 $3,822 2.82%
    60-80% » 1,564 $640,330,000 $409,418 $6,390 2.89%
    80-100% » 935 $323,435,000 $345,920 $5,149 2.85%
    Under 20% » 1,277 $93,525,000 $73,238 $311 4.50%