Digital Federal Credit Union Mortgage Rates, Fees & Info
Marlborough, MALEI: 549300JPGMCMBEJEK584
Tax ID: 04-2683316
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Mortgage Data
Review & Overview
Digital Federal Credit Union is a small credit union specializing in Home Improvement, Home Purchase, and Refi 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 Atlanta among others. We have data for 177 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 a low 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) | 6.78% | 11/12/26 |
| 30 Year Conventional Purchase | 6.26% | 11/12/26 |
| 30 Year Conventional Refi | 6.24% | 11/12/26 |
| 30 Year Cash-out Refi | 6.31% | 11/12/26 |
| 15 Year Conventional Purchase | 5.84% | 11/12/26 |
| 15 Year Conventional Refi | 5.15% | 11/12/26 |
| 15 Year Cash-out Refi | 5.15% | 11/12/26 |
| 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
3,877Origination Dollar Volume (All Markets)
$1,018,965,000Awards
DIGITAL Federal Credit Union - 2025
DIGITAL Federal Credit Union is a 2025 , due to their low .
For 2025, less than of lenders were eligible for this award.
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Relative Rate
Digital Federal Credit Union's average 30 year fixed mortgage rate was
6.21%.
The 2025 average 30 year fixed rate mortgage across all markets and lenders was 6.37%.
This yields a difference of -0.16%.
Relative Fees (Closing Costs)
Digital Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,764.
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 $8,356.
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) | 1,159 | $329,595,000 | $284,379 | $2,022 | 7.57% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 652 | $112,750,000 | $172,929 | $1,982 | 7.62% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 425 | $73,195,000 | $172,224 | $1,972 | 7.59% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 161 | $49,105,000 | $305,000 | $3,764 | 7.42% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 174 | $44,470,000 | $255,575 | $2,459 | 7.54% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 72 | $39,480,000 | $548,333 | $1,157 | 7.73% |
| Concord, NH (FHA|USDA|VA) | 45 | $23,975,000 | $532,778 | $2,429 | 7.52% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 48 | $19,640,000 | $409,167 | $3,116 | 7.44% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 51 | $19,515,000 | $382,647 | $4,172 | 6.78% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 61 | $19,085,000 | $312,869 | $3,638 | 7.41% |
| Outside of Metro Areas | 64 | $17,630,000 | $275,469 | $3,529 | 7.02% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 33 | $17,155,000 | $519,848 | $4,164 | 7.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 31 | $16,495,000 | $532,097 | $4,112 | 7.17% |
| Laconia, NH (FHA|USDA|VA) | 20 | $12,340,000 | $617,000 | $1,309 | 7.56% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 48 | $12,300,000 | $256,250 | $2,591 | 7.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 34 | $11,920,000 | $350,588 | $4,113 | 7.30% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 49 | $11,625,000 | $237,245 | $2,876 | 7.49% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 25 | $10,865,000 | $434,600 | $3,707 | 6.40% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 33 | $8,995,000 | $272,576 | $2,503 | 7.07% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 21 | $7,725,000 | $367,857 | $4,106 | 6.69% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 27 | $7,315,000 | $270,926 | $1,653 | 7.54% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 26 | $7,000,000 | $269,231 | $1,844 | 7.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $6,925,000 | $461,667 | $0 | 7.83% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 27 | $6,665,000 | $246,852 | $2,316 | 7.59% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $6,180,000 | $441,429 | $5,242 | 6.77% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 22 | $5,800,000 | $263,636 | $2,732 | 6.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 22 | $5,570,000 | $253,182 | $3,416 | 7.40% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $4,730,000 | $215,000 | $1,207 | 7.81% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 11 | $4,665,000 | $424,091 | $4,476 | 6.14% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 22 | $4,550,000 | $206,818 | $2,183 | 7.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $1,713 | 7.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $4,000,000 | $200,000 | $1,507 | 7.42% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $3,680,000 | $613,333 | $3,712 | 6.19% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,525,000 | $391,667 | $4,814 | 6.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $3,445,000 | $265,000 | $1,382 | 7.46% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 8 | $3,440,000 | $430,000 | $5,252 | 7.59% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 14 | $3,380,000 | $241,429 | $1,931 | 7.54% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $3,285,000 | $469,286 | $6,496 | 7.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $3,130,000 | $391,250 | $1,781 | 7.78% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 15 | $2,825,000 | $188,333 | $2,220 | 7.31% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $2,610,000 | $261,000 | $1,802 | 7.22% |
| Keene, NH (FHA|USDA|VA) | 11 | $2,435,000 | $221,364 | $3,667 | 7.31% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 13 | $2,215,000 | $170,385 | $2,962 | 7.71% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 15 | $2,205,000 | $147,000 | $491 | 7.80% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $3,525 | 7.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $3,549 | 7.37% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $1,930,000 | $193,000 | $1,455 | 7.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $1,755,000 | $195,000 | $3,079 | 7.30% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $1,745,000 | $193,889 | $3,136 | 7.14% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 10 | $1,550,000 | $155,000 | $2,693 | 7.37% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $1,465,000 | $133,182 | $768 | 7.64% |
| COLUMBUS, OH (FHA|USDA|VA) | 9 | $1,405,000 | $156,111 | $2,236 | 7.54% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $4,071 | 7.05% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $5,101 | 7.33% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $923 | 8.41% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $2,837 | 7.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $3,240 | 5.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $1,329 | 7.66% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $300 | 7.29% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $300 | 7.56% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $7,014 | 7.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $3,121 | 6.85% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $1,693 | 7.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 7.50% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,270 | 7.06% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 6.75% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,472 | 5.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $1,905 | 7.31% |
| Edwards, CO (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $3,144 | 7.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $300 | 8.19% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,085 | 5.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $300 | 8.19% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,072 | 7.56% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,738 | 7.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $1,655 | 7.29% |
| PITTSFIELD, MA (FHA|USDA|VA) | 6 | $570,000 | $95,000 | $841 | 7.81% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,727 | 6.00% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,191 | 5.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,290 | 7.19% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 7.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $300 | 8.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 7.83% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,585 | 8.00% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,529 | 6.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $300 | 7.83% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,257 | 7.56% |
| ERIE, PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,928 | 6.50% |
| NAPA, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $300 | 7.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $420,000 | $70,000 | $300 | 8.24% |
| Barre, VT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,519 | 6.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,551 | 6.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,128 | 5.75% |
| Bennington, VT (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,999 | 7.04% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,580 | 5.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $1,867 | 7.34% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,732 | 7.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,261 | 7.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $300 | 8.08% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $300 | 7.94% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,191 | 5.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,143 | 5.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,066 | 5.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,389 | 5.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,076 | 6.00% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,265 | 5.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,856 | 6.50% |
| CHICO, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 7.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,456 | 5.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,727 | 6.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,825 | 6.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,379 | 6.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,567 | 6.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,130 | 7.00% |
| CASPER, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,994 | 5.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,872 | 5.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,649 | 6.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,056 | 5.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $300 | 8.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.75% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.63% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,453 | 6.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.13% |
| Berlin, NH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,790 | 6.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,309 | 5.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $300 | 7.99% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,163 | 6.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,230 | 5.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,140 | 5.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $300 | 7.24% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.62% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,369 | 5.88% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $920 | 8.49% |
| Cortland, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,159 | 7.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $300 | 8.49% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $300 | 7.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.50% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $300 | 7.66% |
| RENO, NV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.75% |
| Decatur, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,263 | 5.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,893 | 6.00% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.25% |
| NILES, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,592 | 6.63% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,101 | 7.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.25% |
| Palestine, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $500 | 8.49% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $300 | 8.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $300 | 6.74% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $925 | 8.49% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,048 | 5.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $300 | 6.49% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.74% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 8.24% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 7.37% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 8.74% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 8.24% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 8.99% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.25% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,035 | $364,475,000 | $179,103 | n/a | 7.78% |
| Conventional | 1,842 | $654,490,000 | $355,315 | $2,435 | 7.17% |
For 2025, Digital Federal Credit Union's most frequently originated type of loan was HELOC, with 2,035 originations. Their 2nd most popular type was Conventional, with 1,842 originations.
Loan Reason
For 2025, Digital Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,478 originations. The 2nd most popular reason was Cash Out Refi, with 863 originations.
Loan Duration/Length
For 2025, Digital Federal Credit Union's most frequently cited loan duration was 30+ year, with 2,035 originations. The 2nd most popular length was 30 Year, with 671 originations.
Origination Fees/Closing Costs
Digital Federal Credit Union's average total fees were $4,764, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,442 originations.
Interest Rates
During 2025, Digital Federal Credit Union's average interest rate for loans was 6.21%, while their most frequently originated rate bucket for loans was 7-8%, with 1,862 originations.
Loan Sizing
2025 saw Digital Federal Credit Union place emphasis on $100,000 or less loans with 1,192 originations, totaling $73,090,000 in origination value.
Applicant Income
Digital Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 1,425 originations. The second most popular income band? $100k-150k, with 994 originations.
Applicant Debt to Income Ratio
Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 704 originations. The next most common DTI ratio? 30-36%, with 654 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.71%
Digital Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination71.94%
Digital Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,877 | $1,018,965,000 | $262,823 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,877 | $1,018,965,000 | $262,823 |