Digital Federal Credit Union Mortgage Rates, Fees & Info

Marlborough, MA

LEI: 549300JPGMCMBEJEK584

Tax ID: 04-2683316

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Digital Federal Credit Union is a small credit union specializing in Home Purchase and Cash Out Refi loans. Digital Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Worcester, Manchester, Providence, and New York among others. We have data for 210 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) 6.22% 11/21/24
    30 Year Conventional Purchase 5.89% 11/21/24
    30 Year Conventional Refi 5.86% 11/21/24
    30 Year Cash-out Refi 6.17% 11/21/24
    15 Year Conventional Purchase 5.36% 11/21/24
    15 Year Conventional Refi 5.40% 11/21/24
    15 Year Cash-out Refi 5.40% 11/21/24
    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

    6,996

    Origination Dollar Volume (All Markets)

    $1,093,520,000
    Show all (20) awards

    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) 2,524 $392,550,000 $155,527 $1,489 4.70%
    WORCESTER, MA-CT (FHA|USDA|VA) 1,151 $154,845,000 $134,531 $1,717 4.69%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 820 $102,700,000 $125,244 $1,609 4.68%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 151 $44,385,000 $293,940 $1,506 4.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 170 $32,310,000 $190,059 $3,641 4.46%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 209 $29,765,000 $142,416 $1,906 4.54%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 76 $20,190,000 $265,658 $3,316 4.50%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 98 $18,080,000 $184,490 $2,637 4.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 67 $14,145,000 $211,119 $2,046 4.54%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 76 $13,190,000 $173,553 $981 4.68%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 68 $12,920,000 $190,000 $454 4.53%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 55 $11,825,000 $215,000 $2,815 4.29%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 63 $10,895,000 $172,937 $3,431 4.45%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 36 $10,230,000 $284,167 $696 4.42%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 48 $10,210,000 $212,708 $3,619 4.53%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 62 $8,990,000 $145,000 $1,935 4.51%
    Concord, NH (FHA|USDA|VA) 63 $8,615,000 $136,746 $1,916 4.54%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 56 $7,590,000 $135,536 $2,088 4.52%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 49 $7,535,000 $153,776 $3,384 4.31%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 47 $7,065,000 $150,319 $1,770 4.54%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 31 $6,845,000 $220,806 $2,999 4.43%
    Outside of Metro Areas 46 $6,580,000 $143,043 $1,975 4.52%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 39 $6,215,000 $159,359 $1,907 4.52%
    RALEIGH-CARY, NC (FHA|USDA|VA) 43 $5,655,000 $131,512 $1,134 4.34%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 24 $4,910,000 $204,583 $1,864 4.48%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 31 $4,875,000 $157,258 $1,653 4.66%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 24 $4,860,000 $202,500 $2,672 4.43%
    Laconia, NH (FHA|USDA|VA) 30 $4,850,000 $161,667 $2,152 4.58%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 20 $4,670,000 $233,500 $4,256 4.47%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 17 $4,205,000 $247,353 $2,527 4.36%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 30 $3,970,000 $132,333 $1,325 4.56%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 19 $3,915,000 $206,053 $3,046 4.32%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 31 $3,845,000 $124,032 $1,216 4.41%
    SPRINGFIELD, MA (FHA|USDA|VA) 34 $3,830,000 $112,647 $1,630 4.80%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 26 $3,680,000 $141,538 $2,538 4.45%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $3,540,000 $177,000 $2,696 4.25%
    Lebanon, NH-VT (FHA|USDA|VA) 28 $3,390,000 $121,071 $1,822 4.54%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 18 $3,350,000 $186,111 $1,999 4.57%
    Keene, NH (FHA|USDA|VA) 23 $2,975,000 $129,348 $1,916 4.56%
    JACKSONVILLE, FL (FHA|USDA|VA) 16 $2,410,000 $150,625 $1,968 4.37%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 15 $2,255,000 $150,333 $2,138 4.55%
    PITTSBURGH, PA (FHA|USDA|VA) 12 $2,190,000 $182,500 $3,474 4.52%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $2,115,000 $162,692 $1,128 4.69%
    STOCKTON, CA (FHA|USDA|VA) 13 $2,115,000 $162,692 $1,661 4.56%
    COLUMBUS, OH (FHA|USDA|VA) 20 $2,050,000 $102,500 $1,420 4.56%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 12 $2,020,000 $168,333 $2,626 4.51%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $1,990,000 $124,375 $2,431 4.72%
    RICHMOND, VA (FHA|USDA|VA) 12 $1,980,000 $165,000 $2,505 4.47%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 7 $1,765,000 $252,143 $2,967 4.41%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $1,580,000 $197,500 $4,619 4.25%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 11 $1,535,000 $139,545 $3,044 4.61%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 9 $1,535,000 $170,556 $1,656 4.73%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,520,000 $253,333 $3,087 4.31%
    Vineyard Haven, MA (FHA|USDA|VA) 7 $1,415,000 $202,143 $141 4.51%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $1,410,000 $141,000 $1,152 4.37%
    BOISE CITY, ID (FHA|USDA|VA) 5 $1,365,000 $273,000 $3,060 4.70%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $1,340,000 $167,500 $3,082 4.14%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,330,000 $221,667 $3,100 4.25%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $1,310,000 $109,167 $2,127 4.57%
    BOULDER, CO (FHA|USDA|VA) 8 $1,260,000 $157,500 $2,206 4.67%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,212 4.62%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $10,366 4.47%
    Berlin, NH (FHA|USDA|VA) 7 $1,215,000 $173,571 $1,583 4.21%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 8 $1,170,000 $146,250 $1,774 4.51%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,160,000 $193,333 $2,947 4.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 11 $1,155,000 $105,000 $2,027 4.74%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,085,000 $217,000 $3,695 4.00%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,820 4.06%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $1,020,000 $170,000 $2,734 4.29%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,809 3.85%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $995,000 $142,143 $1,115 4.59%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $960,000 $480,000 $5,146 4.06%
    TALLAHASSEE, FL (FHA|USDA|VA) 6 $910,000 $151,667 $3,841 4.33%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $885,000 $98,333 $1,372 4.53%
    OCALA, FL (FHA|USDA|VA) 6 $820,000 $136,667 $3,125 4.56%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $800,000 $133,333 $3,391 4.13%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $800,000 $133,333 $3,047 4.37%
    SALT LAKE CITY, UT (FHA|USDA|VA) 6 $740,000 $123,333 $878 4.79%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $730,000 $182,500 $2,174 4.31%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $705,000 $235,000 $2,354 4.50%
    SALINAS, CA (FHA|USDA|VA) 2 $690,000 $345,000 $2,064 4.81%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $665,000 $221,667 $1,710 4.83%
    Breckenridge, CO (FHA|USDA|VA) 1 $655,000 $655,000 $3,824 3.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $650,000 $162,500 $1,689 4.50%
    TUCSON, AZ (FHA|USDA|VA) 4 $650,000 $162,500 $1,590 4.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $635,000 $211,667 $2,691 4.41%
    COLUMBIA, SC (FHA|USDA|VA) 4 $620,000 $155,000 $2,064 4.25%
    LOUISVILLE, KY (FHA|USDA|VA) 5 $615,000 $123,000 $1,376 4.27%
    PITTSFIELD, MA (FHA|USDA|VA) 3 $615,000 $205,000 $3,802 3.71%
    GREELEY, CO (FHA|USDA|VA) 2 $610,000 $305,000 $3,069 4.81%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $5,188 3.00%
    VISALIA, CA (FHA|USDA|VA) 1 $585,000 $585,000 $1,327 4.25%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $570,000 $142,500 $2,124 4.96%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $565,000 $188,333 $3,339 4.04%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $565,000 $188,333 $2,849 4.33%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $545,000 $109,000 $1,432 4.32%
    TOLEDO, OH (FHA|USDA|VA) 3 $535,000 $178,333 $4,829 4.46%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $520,000 $86,667 $2,817 4.56%
    Jefferson, GA (FHA|USDA|VA) 3 $485,000 $161,667 $3,159 4.54%
    Augusta-Waterville, ME (FHA|USDA|VA) 5 $465,000 $93,000 $1,146 4.52%
    BEND, OR (FHA|USDA|VA) 1 $455,000 $455,000 $4,015 4.88%
    ALBUQUERQUE, NM (FHA|USDA|VA) 4 $450,000 $112,500 $1,236 4.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $435,000 $145,000 $2,055 4.79%
    Torrington, CT (FHA|USDA|VA) 3 $435,000 $145,000 $2,495 5.00%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $430,000 $215,000 $7,287 4.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $420,000 $210,000 $3,117 4.69%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $415,000 $138,333 $1,233 4.87%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $415,000 $138,333 $2,732 4.21%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $410,000 $102,500 $919 4.24%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $405,000 $135,000 $2,868 5.00%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $400,000 $66,667 $0 4.91%
    NILES, MI (FHA|USDA|VA) 2 $400,000 $200,000 $843 4.63%
    DOVER, DE (FHA|USDA|VA) 2 $390,000 $195,000 $3,773 4.19%
    Rutland, VT (FHA|USDA|VA) 2 $370,000 $185,000 $3,695 4.81%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $370,000 $185,000 $1,916 4.50%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,289 4.63%
    Edwards, CO (FHA|USDA|VA) 2 $350,000 $175,000 $2,579 4.12%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $350,000 $175,000 $3,819 4.69%
    ERIE, PA (FHA|USDA|VA) 2 $340,000 $170,000 $8,189 4.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $325,000 $325,000 $2,312 4.00%
    CARSON CITY, NV (FHA|USDA|VA) 4 $320,000 $80,000 $338 4.44%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $320,000 $160,000 $4,356 3.63%
    Barre, VT (FHA|USDA|VA) 3 $315,000 $105,000 $987 4.46%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $305,000 $101,667 $2,900 4.41%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $295,000 $295,000 $2,681 5.13%
    MADISON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $3,228 4.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $285,000 $285,000 $2,631 4.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $3,571 4.00%
    FRESNO, CA (FHA|USDA|VA) 3 $285,000 $95,000 $0 4.66%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $280,000 $140,000 $3,801 4.50%
    SYRACUSE, NY (FHA|USDA|VA) 1 $275,000 $275,000 $4,193 3.75%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $270,000 $135,000 $1,900 4.31%
    PEORIA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,064 3.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $250,000 $125,000 $1,576 4.50%
    UTICA-ROME, NY (FHA|USDA|VA) 2 $250,000 $125,000 $3,140 4.19%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $245,000 $81,667 $1,234 4.33%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $240,000 $120,000 $3,912 3.63%
    CHARLESTON, WV (FHA|USDA|VA) 1 $235,000 $235,000 $5,093 4.63%
    ROCHESTER, NY (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.38%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $220,000 $110,000 $3,775 4.63%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $1,365 3.88%
    LUBBOCK, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,356 3.50%
    Aberdeen, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,546 4.38%
    Hudson, NY (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $205,000 $205,000 $3,582 4.00%
    Plattsburgh, NY (FHA|USDA|VA) 1 $195,000 $195,000 $6,355 3.75%
    TOPEKA, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,713 3.88%
    Taos, NM (FHA|USDA|VA) 1 $175,000 $175,000 $4,067 4.63%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,536 4.38%
    PUEBLO, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,802 4.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,689 4.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $150,000 $75,000 $0 4.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,664 4.50%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $145,000 $145,000 $4,499 4.63%
    REDDING, CA (FHA|USDA|VA) 1 $145,000 $145,000 $1,997 3.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,731 3.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $145,000 $145,000 $2,184 3.38%
    VALLEJO, CA (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.62%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $135,000 $135,000 $2,873 4.38%
    Hilo, HI (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.74%
    Bartlesville, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,538 4.50%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
    Carroll, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,375 5.25%
    Los Alamos, NM (FHA|USDA|VA) 1 $135,000 $135,000 $2,414 5.13%
    Ukiah, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.00%
    WILMINGTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,594 4.75%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
    BANGOR, ME (FHA|USDA|VA) 1 $125,000 $125,000 $2,418 4.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,688 4.88%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,927 4.50%
    VALDOSTA, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,568 4.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,103 4.00%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $110,000 $55,000 $2,617 4.25%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.12%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
    Sayre, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
    BURLINGTON, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,300 4.88%
    Cañon City, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
    BLOOMINGTON, IL (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.00%
    Marshalltown, IA (FHA|USDA|VA) 1 $95,000 $95,000 $1,892 3.50%
    MOBILE, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.99%
    Kingsville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,322 3.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $95,000 $95,000 $4,976 4.50%
    Bennington, VT (FHA|USDA|VA) 1 $95,000 $95,000 $3,608 4.13%
    BISMARCK, ND (FHA|USDA|VA) 1 $95,000 $95,000 $2,389 3.63%
    AKRON, OH (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.37%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.00%
    RENO, NV (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.74%
    Winnemucca, NV (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.24%
    Oneonta, NY (FHA|USDA|VA) 1 $75,000 $75,000 $3,280 4.00%
    NEW BERN, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.74%
    SALEM, OR (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.24%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,370 3.75%
    LANCASTER, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.24%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.75%
    Pahrump, NV (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.63%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.24%
    MODESTO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.74%
    Amsterdam, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.99%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
    Henderson, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.74%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.24%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.24%
    ALBANY, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.74%
    LONGVIEW, TX (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.24%
    Digital Federal Credit Union's top markets include Boston, Worcester, Manchester, Providence, and New York among others.

    Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,176 $897,440,000 $173,385 $1,823 4.61%
    HELOC 1,810 $193,470,000 $106,890 n/a 4.67%
    VA 10 $2,610,000 $261,000 $5,095 4.64%

    For 2018, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 5,176 originations. Their 2nd most popular type was HELOC, with 1,810 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 2,175 $152,975,000 $70,333 $35 4.79%
    Home Purchase 1,776 $517,900,000 $291,610 $3,852 4.47%
    Cash Out Refi 1,486 $222,740,000 $149,892 $1,727 4.58%
    Other 1,178 $83,870,000 $71,197 $77 4.79%
    Refi 381 $116,035,000 $304,554 $3,023 4.05%

    For 2018, Digital Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 2,175 originations. The 2nd most popular reason was Home Purchase, with 1,776 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30+ year 1,812 $192,620,000 $106,302 $5,283 4.67%
    30 Year 1,740 $500,350,000 $287,557 $4,202 4.42%
    15 Year 1,287 $173,475,000 $134,790 $914 4.68%
    10 Year 926 $103,410,000 $111,674 $300 4.47%
    20 Year 892 $90,290,000 $101,222 $610 5.18%
    5 Year 333 $14,325,000 $43,018 $9 4.15%
    Other 6 $19,050,000 $3,175,000 $0 5.43%

    For 2018, Digital Federal Credit Union's most frequently cited loan duration was 30+ year, with 1,812 originations. The 2nd most popular length was 30 Year, with 1,740 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,667 $398,245,000 $108,602
    $1k-2k 525 $131,425,000 $250,333
    $2k-3k 316 $89,320,000 $282,658
    $5k+ 211 $88,435,000 $419,123
    $3k-4k 206 $63,400,000 $307,767
    $4k-5k 119 $37,675,000 $316,597

    Digital Federal Credit Union's average total fees were $4,202, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,667 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,493 $671,145,000 $149,376
    3-4% 1,394 $264,260,000 $189,570
    5-6% 902 $144,430,000 $160,122
    6-7% 147 $9,035,000 $61,463
    7-8% 53 $2,845,000 $53,679
    2.5-3% 7 $1,805,000 $257,857

    During 2018, Digital Federal Credit Union's average interest rate for loans was 4.42%, while their most frequently originated rate bucket for loans was 4-5%, with 4,493 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,524 $172,620,000 $48,984 $135 4.77%
    $100k-200k 1,592 $223,670,000 $140,496 $1,837 4.56%
    $200k-400k 1,439 $397,185,000 $276,015 $3,709 4.42%
    $400k-600k 339 $159,815,000 $471,431 $5,812 4.29%
    $600k-1MM 73 $49,815,000 $682,397 $7,578 4.28%
    $1MM+ 29 $90,415,000 $3,117,759 $10,441 4.82%

    2018 saw Digital Federal Credit Union place emphasis on $100,000 or less loans with 3,524 originations, totaling $172,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,409 $345,525,000 $143,431 $1,805 4.63%
    $150k-250k 1,655 $277,035,000 $167,393 $1,807 4.59%
    $75k-100k 1,175 $144,895,000 $123,315 $1,868 4.67%
    $50k-75k 938 $103,660,000 $110,512 $1,745 4.64%
    $250k+ 389 $99,695,000 $256,285 $2,482 4.58%
    $50k or less 345 $29,195,000 $84,623 $1,625 4.63%

    Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,409 originations. The second most popular income band? $150k-250k, with 1,655 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,593 $236,055,000 $148,183 $2,058 4.51%
    30-36% 1,351 $201,425,000 $149,093 $1,985 4.61%
    <20% 465 $64,565,000 $138,849 $2,089 4.37%
    49% 366 $43,350,000 $118,443 $746 4.87%
    36% 248 $38,440,000 $155,000 $1,851 4.57%
    37% 246 $36,390,000 $147,927 $2,145 4.66%
    47% 242 $34,940,000 $144,380 $1,321 4.69%
    40% 240 $39,140,000 $163,083 $2,118 4.68%
    48% 240 $27,080,000 $112,833 $1,079 4.77%
    43% 240 $30,580,000 $127,417 $1,425 4.66%
    38% 239 $35,475,000 $148,431 $1,852 4.71%
    44% 229 $33,205,000 $145,000 $1,877 4.70%
    45% 229 $35,385,000 $154,520 $1,840 4.67%
    41% 222 $35,070,000 $157,973 $1,817 4.73%
    39% 215 $32,625,000 $151,744 $1,886 4.67%
    42% 211 $34,645,000 $164,194 $2,151 4.70%
    46% 200 $24,140,000 $120,700 $1,296 4.82%
    50-60% 187 $26,965,000 $144,198 $788 4.72%
    >60% 9 $1,355,000 $150,556 $681 4.76%

    Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,593 originations. The next most common DTI ratio? 30-36%, with 1,351 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,008 $489,980,000 $122,250 $1,430 4.69%
    Not provided 1,348 $256,310,000 $190,141 $2,612 4.52%
    Asian 1,276 $207,500,000 $162,618 $1,966 4.52%
    Not applicable 24 $82,690,000 $3,445,417 $0 5.13%
    Black 189 $26,515,000 $140,291 $2,184 4.73%
    Asian Indian 88 $23,790,000 $270,341 $3,871 4.39%
    American Indian 39 $4,085,000 $104,744 $1,218 4.74%
    Native Hawaiian or Islander 16 $1,320,000 $82,500 $919 4.96%
    Other Asian 3 $605,000 $201,667 $3,725 3.92%
    Other Pacific Islander 3 $435,000 $145,000 $2,182 4.87%
    Filipino 2 $290,000 $145,000 $2,768 4.93%

    Approval Rates

    Total approvals of all applications
    81.31%

    Digital Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    66.07%

    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 6,996 $1,093,520,000 $156,306

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 20 $76,270,000 $3,813,500
    Single Family (1-4 Units):Manufactured 2 $110,000 $55,000
    Single Family (1-4 Units):Site-Built 6,974 $1,017,140,000 $145,847

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,234 $163,310,000 $132,342 $491 4.75%
    40-60% 517 $147,155,000 $284,632 $2,167 4.35%
    60-80% 919 $286,615,000 $311,877 $4,454 4.26%
    80-100% 1,100 $322,820,000 $293,473 $4,045 4.48%
    Over 100% 2 $800,000 $400,000 $13,061 4.75%
    Under 20% 3,223 $172,715,000 $53,588 $35 4.77%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Digital Media Solutions, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%