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 Purchase, Cash Out Refi, and 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 226 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) | 6.22% | 4/18/24 |
| 30 Year Conventional Purchase | 5.89% | 4/18/24 |
| 30 Year Conventional Refi | 5.86% | 4/18/24 |
| 30 Year Cash-out Refi | 6.17% | 4/18/24 |
| 15 Year Conventional Purchase | 5.36% | 4/18/24 |
| 15 Year Conventional Refi | 5.40% | 4/18/24 |
| 15 Year Cash-out Refi | 5.40% | 4/18/24 |
| 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
7,228Origination Dollar Volume (All Markets)
$1,417,850,000Awards
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DIGITAL Federal Credit Union - 2019
DIGITAL Federal Credit Union is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 2,544 | $580,120,000 | $228,035 | $1,943 | 4.82% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1,258 | $177,190,000 | $140,851 | $1,853 | 4.78% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 829 | $108,145,000 | $130,452 | $1,815 | 4.80% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 146 | $51,720,000 | $354,247 | $2,554 | 4.71% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 195 | $42,595,000 | $218,436 | $3,219 | 4.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 228 | $36,390,000 | $159,605 | $2,031 | 4.56% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 97 | $20,595,000 | $212,320 | $2,142 | 4.49% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 50 | $19,550,000 | $391,000 | $3,380 | 3.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 35 | $18,175,000 | $519,286 | $4,491 | 4.31% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 69 | $16,665,000 | $241,522 | $2,771 | 4.24% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 62 | $13,510,000 | $217,903 | $3,676 | 4.28% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 60 | $12,610,000 | $210,167 | $2,277 | 3.96% |
| Concord, NH (FHA|USDA|VA) | 70 | $12,260,000 | $175,143 | $2,188 | 4.67% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 56 | $12,050,000 | $215,179 | $2,489 | 4.78% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 47 | $11,955,000 | $254,362 | $2,310 | 4.02% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 56 | $11,790,000 | $210,536 | $2,794 | 4.45% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 49 | $11,555,000 | $235,816 | $1,675 | 4.72% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 53 | $10,305,000 | $194,434 | $2,892 | 4.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 46 | $10,220,000 | $222,174 | $3,683 | 3.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 54 | $9,280,000 | $171,852 | $3,220 | 4.35% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 44 | $9,190,000 | $208,864 | $4,486 | 4.27% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 32 | $8,180,000 | $255,625 | $1,810 | 4.37% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 41 | $8,125,000 | $198,171 | $1,906 | 4.43% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 59 | $8,065,000 | $136,695 | $2,049 | 4.80% |
| Outside of Metro Areas | 46 | $7,850,000 | $170,652 | $2,215 | 4.54% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $7,760,000 | $388,000 | $5,271 | 3.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 42 | $7,550,000 | $179,762 | $2,902 | 4.20% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 19 | $6,915,000 | $363,947 | $3,223 | 4.23% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 42 | $6,670,000 | $158,810 | $2,164 | 4.68% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 22 | $6,350,000 | $288,636 | $1,974 | 4.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 24 | $6,090,000 | $253,750 | $2,548 | 4.15% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 46 | $6,000,000 | $130,435 | $1,866 | 4.77% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 24 | $5,230,000 | $217,917 | $3,311 | 4.05% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 24 | $4,990,000 | $207,917 | $3,755 | 4.00% |
| Laconia, NH (FHA|USDA|VA) | 20 | $4,420,000 | $221,000 | $3,423 | 4.34% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 31 | $4,175,000 | $134,677 | $1,768 | 4.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 18 | $4,070,000 | $226,111 | $2,562 | 4.29% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $3,980,000 | $199,000 | $2,299 | 4.32% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $3,825,000 | $347,727 | $3,061 | 4.41% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 17 | $3,635,000 | $213,824 | $2,370 | 4.27% |
| Lebanon, NH-VT (FHA|USDA|VA) | 27 | $3,415,000 | $126,481 | $1,460 | 4.76% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $3,290,000 | $149,545 | $1,018 | 4.96% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $3,165,000 | $243,462 | $2,991 | 4.48% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $3,000,000 | $150,000 | $1,825 | 4.34% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $2,890,000 | $289,000 | $2,850 | 3.82% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $2,745,000 | $305,000 | $2,112 | 4.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $2,700,000 | $225,000 | $3,019 | 4.72% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $4,661 | 3.71% |
| Keene, NH (FHA|USDA|VA) | 18 | $2,430,000 | $135,000 | $1,483 | 4.76% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $2,315,000 | $154,333 | $1,940 | 4.69% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 14 | $2,310,000 | $165,000 | $3,366 | 4.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $2,235,000 | $149,000 | $3,132 | 4.54% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $2,225,000 | $171,154 | $2,429 | 4.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $6,877 | 3.92% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $2,105,000 | $191,364 | $2,810 | 3.91% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,015,000 | $223,889 | $1,579 | 4.41% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 12 | $1,970,000 | $164,167 | $1,733 | 4.12% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $1,751 | 4.56% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $4,104 | 4.16% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $4,720 | 3.84% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $2,091 | 3.88% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 10 | $1,410,000 | $141,000 | $3,810 | 4.08% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $3,004 | 3.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $3,348 | 4.30% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $1,838 | 4.78% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $4,227 | 4.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $3,202 | 4.41% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $2,501 | 3.90% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $2,116 | 3.33% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $4,048 | 4.21% |
| Berlin, NH (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $2,222 | 3.67% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $1,612 | 4.23% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $3,150 | 4.65% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $2,962 | 4.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,387 | 4.29% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $2,109 | 4.60% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $3,425 | 4.37% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $591 | 3.00% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $2,538 | 3.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $709 | 3.62% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $2,519 | 4.77% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $979 | 3.19% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,269 | 4.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $2,852 | 4.78% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $2,435 | 4.37% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $963 | 4.22% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $1,379 | 4.53% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 3.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $104 | 3.71% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $2,949 | 4.22% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $974 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,435 | 4.09% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $2,535 | 4.59% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $1,181 | 4.55% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $1,000 | 5.06% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,390 | 3.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,250 | 3.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $998 | 4.56% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,411 | 4.06% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,724 | 4.17% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,394 | 3.13% |
| Vineyard Haven, MA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $0 | 6.12% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,620 | 3.38% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,292 | 4.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $349 | 4.69% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $953 | 4.84% |
| AKRON, OH (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $0 | 5.84% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $1,191 | 4.92% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,530 | 4.19% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,417 | 3.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $410,000 | $51,250 | $1,188 | 4.70% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $883 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,212 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,104 | 4.38% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,778 | 4.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $1,495 | 3.87% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,134 | 3.19% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,364 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,298 | 3.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,196 | 2.94% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,366 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,200 | 3.81% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,658 | 4.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,106 | 4.63% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,845 | 3.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $1,886 | 5.43% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,513 | 4.21% |
| SALEM, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,238 | 3.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,619 | 4.19% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,771 | 4.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,164 | 3.75% |
| Forest City, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,862 | 3.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,438 | 4.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,541 | 4.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,269 | 3.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,795 | 4.38% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,328 | 3.63% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $1,438 | 4.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,084 | 3.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,699 | 4.31% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,264 | 4.06% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,147 | 3.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,925 | 3.75% |
| Starkville, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,294 | 3.13% |
| TULSA, OK (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,986 | 3.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,235 | 3.81% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,282 | 4.63% |
| Winona, MN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,109 | 3.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 5.62% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,771 | 4.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,076 | 3.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,473 | 3.38% |
| Lake City, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,061 | 3.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,420 | 3.50% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,729 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 4.50% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,938 | 5.37% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,795 | 2.75% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.24% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,131 | 3.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,357 | 3.38% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,196 | 3.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,552 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,871 | 3.50% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,584 | 3.63% |
| Hilo, HI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,027 | 4.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.06% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,239 | 4.13% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,472 | 3.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $2,150 | 4.38% |
| Ada, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,283 | 3.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,213 | 4.37% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,851 | 4.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,030 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.49% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,118 | 4.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,245 | 4.00% |
| Pecos, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,426 | 3.88% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,990 | 2.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $793 | 4.31% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,841 | 4.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,113 | 3.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 5.37% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 5.37% |
| CHICO, CA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 4.75% |
| Greenville, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,010 | 4.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,153 | 4.13% |
| Hood River, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.99% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.74% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 4.63% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,040 | 3.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,229 | 3.88% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,290 | 2.88% |
| Bennington, VT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.24% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,801 | 3.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.25% |
| Rutland, VT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.74% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,440 | 3.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.49% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.24% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.49% |
| Torrington, CT (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.49% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.74% |
| NILES, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.24% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.75% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.24% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.24% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.24% |
| Heber, UT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.24% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.24% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.50% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.99% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.24% |
| READING, PA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.74% |
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)
New Jersey
(FHA|USDA|VA)
Rhode Island
(FHA|USDA|VA)
Their top states include:
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We use machine learning to identify the top lenders compared against DIGITAL Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 5,336 | $1,218,370,000 | $228,330 | $2,155 | 4.53% |
| HELOC | 1,890 | $198,800,000 | $105,185 | n/a | 5.04% |
| VA | 2 | $680,000 | $340,000 | $592 | 4.00% |
For 2019, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 5,336 originations. Their 2nd most popular type was HELOC, with 1,890 originations.
Loan Reason
For 2019, Digital Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,860 originations. The 2nd most popular reason was Home Purchase, with 1,803 originations.
Loan Duration/Length
For 2019, Digital Federal Credit Union's most frequently cited loan duration was 30 Year, with 2,238 originations. The 2nd most popular length was 30+ year, with 1,886 originations.
Origination Fees/Closing Costs
Digital Federal Credit Union's average total fees were $3,968, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,561 originations.
Interest Rates
During 2019, Digital Federal Credit Union's average interest rate for loans was 3.85%, while their most frequently originated rate bucket for loans was 5-6%, with 2,195 originations.
Loan Sizing
2019 saw Digital Federal Credit Union place emphasis on $100,000 or less loans with 3,198 originations, totaling $155,770,000 in origination value.
Applicant Income
Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,362 originations. The second most popular income band? $150k-250k, with 1,857 originations.
Applicant Debt to Income Ratio
Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,770 originations. The next most common DTI ratio? 30-36%, with 1,364 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.10%
Digital Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination58.79%
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 | 7,228 | $1,417,850,000 | $196,161 |