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 smaller credit union specializing in Home Improvement 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, Atlanta, and New York among others. We have data for 191 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.90% | 5/24/25 |
| 30 Year Conventional Purchase | 6.70% | 5/24/25 |
| 30 Year Conventional Refi | 6.63% | 5/24/25 |
| 30 Year Cash-out Refi | 6.88% | 5/24/25 |
| 15 Year Conventional Purchase | 5.92% | 5/24/25 |
| 15 Year Conventional Refi | 5.42% | 5/24/25 |
| 15 Year Cash-out Refi | 5.42% | 5/24/25 |
| 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
4,232Origination Dollar Volume (All Markets)
$950,860,000Awards
DIGITAL Federal Credit Union - 2024
DIGITAL Federal Credit Union is a 2024 , due to their low .
For 2024, 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
6.49%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.06%.
Relative Fees (Closing Costs)
Digital Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,509.
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
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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) | 1,321 | $291,325,000 | $220,534 | $1,515 | 7.78% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 661 | $113,545,000 | $171,778 | $1,571 | 7.77% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 435 | $68,075,000 | $156,494 | $1,441 | 7.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 203 | $43,245,000 | $213,030 | $2,091 | 7.71% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 159 | $40,635,000 | $255,566 | $2,362 | 7.53% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 87 | $26,875,000 | $308,908 | $1,798 | 7.54% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 75 | $21,825,000 | $291,000 | $2,942 | 7.08% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $20,575,000 | $527,564 | $2,372 | 7.34% |
| Outside of Metro Areas | 68 | $20,320,000 | $298,824 | $2,168 | 7.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 72 | $16,230,000 | $225,417 | $1,047 | 7.84% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 22 | $15,320,000 | $696,364 | $3,290 | 7.31% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 29 | $14,235,000 | $490,862 | $3,136 | 7.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 54 | $14,120,000 | $261,481 | $2,898 | 7.52% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 35 | $13,815,000 | $394,714 | $2,996 | 7.60% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 40 | $13,160,000 | $329,000 | $2,308 | 6.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 23 | $11,115,000 | $483,261 | $3,795 | 7.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 45 | $10,665,000 | $237,000 | $1,654 | 7.49% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 39 | $10,225,000 | $262,179 | $2,803 | 7.62% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 50 | $8,660,000 | $173,200 | $2,075 | 7.62% |
| Concord, NH (FHA|USDA|VA) | 40 | $7,800,000 | $195,000 | $1,904 | 7.59% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 37 | $7,045,000 | $190,405 | $872 | 7.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 23 | $6,925,000 | $301,087 | $3,032 | 7.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 16 | $6,630,000 | $414,375 | $4,547 | 6.96% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 28 | $6,570,000 | $234,643 | $1,862 | 7.85% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $6,045,000 | $465,000 | $3,177 | 7.30% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $5,910,000 | $211,071 | $3,625 | 7.22% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $5,570,000 | $348,125 | $2,406 | 7.72% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $5,350,000 | $382,143 | $3,767 | 7.36% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 21 | $5,235,000 | $249,286 | $3,524 | 7.43% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 15 | $4,955,000 | $330,333 | $3,607 | 6.76% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $4,410,000 | $275,625 | $1,024 | 7.96% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 21 | $4,295,000 | $204,524 | $2,555 | 7.45% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 19 | $3,975,000 | $209,211 | $707 | 7.86% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 15 | $3,585,000 | $239,000 | $2,507 | 6.91% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $3,350,000 | $239,286 | $1,782 | 7.10% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $2,852 | 7.66% |
| RICHMOND, VA (FHA|USDA|VA) | 15 | $2,965,000 | $197,667 | $2,314 | 7.55% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 18 | $2,690,000 | $149,444 | $1,664 | 7.17% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 15 | $2,685,000 | $179,000 | $2,006 | 7.35% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $2,605,000 | $289,444 | $4,038 | 7.47% |
| COLUMBUS, OH (FHA|USDA|VA) | 20 | $2,490,000 | $124,500 | $1,315 | 7.68% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $2,480,000 | $248,000 | $5,072 | 7.51% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $2,445,000 | $349,286 | $5,707 | 6.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 12 | $2,400,000 | $200,000 | $2,139 | 7.37% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $4,802 | 7.30% |
| Lebanon, NH-VT (FHA|USDA|VA) | 9 | $2,095,000 | $232,778 | $2,827 | 7.28% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,880,000 | $470,000 | $3,022 | 7.31% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $3,414 | 6.13% |
| Keene, NH (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $3,241 | 7.46% |
| PITTSBURGH, PA (FHA|USDA|VA) | 11 | $1,685,000 | $153,182 | $1,829 | 7.59% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $1,610,000 | $134,167 | $605 | 7.87% |
| Laconia, NH (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $2,102 | 7.12% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $3,072 | 7.26% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 11 | $1,325,000 | $120,455 | $300 | 7.87% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $0 | 8.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $4,567 | 6.87% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,024 | 7.55% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $4,298 | 7.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $1,114 | 7.41% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $2,819 | 7.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,337 | 7.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $1,707 | 7.12% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $12,814 | 6.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $1,440 | 7.18% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $4,987 | 7.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,917 | 6.97% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $2,134 | 6.37% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $10,992 | 5.50% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,755 | 6.13% |
| PITTSFIELD, MA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $1,943 | 6.72% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,523 | 6.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,029 | 6.58% |
| Heber, UT (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 7.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,422 | 5.94% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $1,575 | 7.41% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $300 | 7.81% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,366 | 5.94% |
| AKRON, OH (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,104 | 6.91% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,718 | 7.04% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,681 | 5.63% |
| TULSA, OK (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $2,026 | 6.43% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $5,718 | 6.13% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $1,614 | 6.58% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,640 | 5.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,362 | 7.44% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $1,057 | 7.57% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $300 | 8.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $425 | 8.18% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 8.44% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,487 | 6.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $888 | 6.68% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,865 | 6.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $300 | 8.35% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $2,737 | 7.44% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,529 | 7.58% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,268 | 5.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $300 | 8.06% |
| MADISON, WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $300 | 8.05% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 8.13% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,310 | 7.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,937 | 7.19% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $492 | 8.24% |
| OCALA, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,719 | 7.37% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,806 | 5.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $300 | 7.56% |
| Durango, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,183 | 7.25% |
| LIMA, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,350 | 8.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,606 | 6.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 8.38% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,244 | 5.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $300 | 8.24% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,959 | 6.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,449 | 5.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.75% |
| Starkville, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,651 | 5.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,160 | 6.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,483 | 7.56% |
| Storm Lake, IA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 7.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $300 | 7.37% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,577 | 6.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,643 | 7.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,988 | 5.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,355 | 6.38% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $300 | 7.62% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,989 | 7.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,057 | 6.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 8.25% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $300 | 7.74% |
| Seneca, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,201 | 6.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,541 | 6.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,793 | 6.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,723 | 6.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $300 | 7.68% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,571 | 6.25% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $300 | 7.87% |
| Berlin, NH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,656 | 7.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.50% |
| RENO, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $300 | 7.74% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $300 | 7.49% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,787 | 5.63% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,715 | 6.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $300 | 7.80% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,206 | 6.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $360 | 7.12% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $300 | 7.87% |
| Findlay, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,955 | 5.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $300 | 7.49% |
| DOVER, DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $300 | 7.74% |
| SALEM, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $300 | 7.74% |
| NILES, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $300 | 7.24% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $300 | 6.99% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,331 | 6.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.13% |
| CHICO, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $300 | 7.74% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $300 | 7.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $300 | 7.49% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $300 | 7.99% |
| ENID, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,741 | 6.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $300 | 7.62% |
| Meadville, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,524 | 6.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $300 | 7.99% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $300 | 7.49% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.74% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.99% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.13% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.99% |
| Durant, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.74% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $300 | 7.37% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 7.37% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 6.74% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 7.99% |
| Greenville, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 7.49% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 7.49% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,314 | $632,740,000 | $273,440 | $1,962 | 7.14% |
| HELOC | 1,918 | $318,120,000 | $165,860 | n/a | 8.25% |
For 2024, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 2,314 originations. Their 2nd most popular type was HELOC, with 1,918 originations.
Loan Reason
For 2024, Digital Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,580 originations. The 2nd most popular reason was Home Purchase, with 928 originations.
Loan Duration/Length
For 2024, Digital Federal Credit Union's most frequently cited loan duration was 30+ year, with 1,918 originations. The 2nd most popular length was 30 Year, with 659 originations.
Origination Fees/Closing Costs
Digital Federal Credit Union's average total fees were $4,509, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,966 originations.
Interest Rates
During 2024, Digital Federal Credit Union's average interest rate for loans was 6.49%, while their most frequently originated rate bucket for loans was 7-8%, with 1,672 originations.
Loan Sizing
2024 saw Digital Federal Credit Union place emphasis on $100,000 or less loans with 1,546 originations, totaling $92,240,000 in origination value.
Applicant Income
Digital Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 1,539 originations. The second most popular income band? $100k-150k, with 1,142 originations.
Applicant Debt to Income Ratio
Digital Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 789 originations. The next most common DTI ratio? 20-30%, with 780 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.99%
Digital Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination56.99%
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 | 4,232 | $950,860,000 | $224,683 |