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 Cash Out Refi, Refi, and Home Purchase loans. Digital Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Worcester, Manchester, New York, and Atlanta among others. We have data for 221 markets. (Some data included below & more in-depth data is available with an active subscription.)Digital Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Digital Federal Credit Union is typically an average fee lender. (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% | 4/21/24 |
| 30 Year Conventional Purchase | 5.89% | 4/21/24 |
| 30 Year Conventional Refi | 5.86% | 4/21/24 |
| 30 Year Cash-out Refi | 6.17% | 4/21/24 |
| 15 Year Conventional Purchase | 5.36% | 4/21/24 |
| 15 Year Conventional Refi | 5.40% | 4/21/24 |
| 15 Year Cash-out Refi | 5.40% | 4/21/24 |
| 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
6,759Origination Dollar Volume (All Markets)
$1,545,125,000Awards
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DIGITAL Federal Credit Union - 2020
DIGITAL Federal Credit Union is a 2020 , due to their low .
For 2020, 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) | 2,297 | $614,465,000 | $267,508 | $3,493 | 3.51% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1,190 | $221,640,000 | $186,252 | $3,173 | 3.49% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 738 | $127,980,000 | $173,415 | $3,278 | 3.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 206 | $49,710,000 | $241,311 | $4,595 | 3.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 210 | $42,950,000 | $204,524 | $3,583 | 3.40% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 135 | $35,745,000 | $264,778 | $3,799 | 3.38% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 61 | $24,085,000 | $394,836 | $6,344 | 3.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 56 | $23,050,000 | $411,607 | $4,461 | 3.23% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 90 | $20,280,000 | $225,333 | $3,520 | 3.45% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 74 | $19,280,000 | $260,541 | $4,669 | 3.15% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 34 | $16,170,000 | $475,588 | $7,039 | 3.27% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 65 | $16,045,000 | $246,846 | $3,000 | 3.69% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 55 | $15,645,000 | $284,455 | $5,580 | 3.54% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 61 | $14,435,000 | $236,639 | $2,918 | 3.48% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 70 | $13,610,000 | $194,429 | $3,122 | 3.47% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 64 | $13,270,000 | $207,344 | $3,386 | 3.54% |
| Concord, NH (FHA|USDA|VA) | 81 | $12,935,000 | $159,691 | $3,372 | 3.56% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 48 | $11,440,000 | $238,333 | $3,440 | 3.29% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 46 | $10,530,000 | $228,913 | $3,321 | 3.26% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 31 | $10,295,000 | $332,097 | $6,031 | 3.10% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $8,975,000 | $256,429 | $6,033 | 3.08% |
| Outside of Metro Areas | 46 | $8,940,000 | $194,348 | $3,277 | 3.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 31 | $8,475,000 | $273,387 | $2,285 | 3.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 42 | $7,860,000 | $187,143 | $3,122 | 3.42% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $7,750,000 | $203,947 | $3,543 | 3.24% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 34 | $7,460,000 | $219,412 | $3,421 | 3.23% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 43 | $7,425,000 | $172,674 | $2,866 | 3.51% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 29 | $7,115,000 | $245,345 | $4,148 | 3.42% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 28 | $6,280,000 | $224,286 | $2,682 | 3.35% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 33 | $5,595,000 | $169,545 | $2,530 | 3.30% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 26 | $5,560,000 | $213,846 | $3,374 | 3.58% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $5,410,000 | $270,500 | $3,868 | 3.49% |
| Lebanon, NH-VT (FHA|USDA|VA) | 19 | $5,205,000 | $273,947 | $2,546 | 3.57% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 24 | $5,150,000 | $214,583 | $2,086 | 3.57% |
| Laconia, NH (FHA|USDA|VA) | 29 | $4,395,000 | $151,552 | $2,734 | 3.59% |
| Vineyard Haven, MA (FHA|USDA|VA) | 11 | $3,865,000 | $351,364 | $5,344 | 3.34% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 20 | $3,830,000 | $191,500 | $2,887 | 3.36% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 17 | $3,545,000 | $208,529 | $3,119 | 3.29% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 19 | $3,485,000 | $183,421 | $2,905 | 3.15% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $3,405,000 | $378,333 | $5,017 | 3.30% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 12 | $3,400,000 | $283,333 | $4,206 | 3.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 22 | $3,290,000 | $149,545 | $1,516 | 3.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $3,095,000 | $206,333 | $1,497 | 3.19% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $3,015,000 | $231,923 | $4,369 | 3.14% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 13 | $2,985,000 | $229,615 | $6,646 | 3.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 11 | $2,895,000 | $263,182 | $4,242 | 3.15% |
| Keene, NH (FHA|USDA|VA) | 19 | $2,715,000 | $142,895 | $2,237 | 3.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 11 | $2,695,000 | $245,000 | $5,490 | 3.52% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 17 | $2,675,000 | $157,353 | $1,980 | 3.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $3,946 | 3.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $4,338 | 3.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $5,351 | 3.42% |
| COLUMBUS, OH (FHA|USDA|VA) | 13 | $1,985,000 | $152,692 | $2,225 | 3.39% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $1,452 | 3.44% |
| PITTSFIELD, MA (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $3,589 | 2.98% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $4,065 | 3.03% |
| PITTSBURGH, PA (FHA|USDA|VA) | 10 | $1,650,000 | $165,000 | $3,197 | 3.40% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 9 | $1,565,000 | $173,889 | $2,281 | 3.79% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $3,385 | 3.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $4,961 | 3.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $3,357 | 2.91% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $3,556 | 3.27% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $4,359 | 3.05% |
| LOUISVILLE, KY (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $2,271 | 3.32% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $2,456 | 3.64% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $3,932 | 3.30% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,745 | 3.10% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $6,679 | 2.84% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $3,813 | 3.48% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,105,000 | $122,778 | $2,661 | 3.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $13,805 | 2.91% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $2,707 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $1,558 | 3.37% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $3,507 | 2.93% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $4,323 | 3.13% |
| DOVER, DE (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $4,135 | 3.35% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $12,368 | 3.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $5,259 | 3.17% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $3,177 | 3.33% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 9 | $975,000 | $108,333 | $2,804 | 3.43% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,949 | 3.53% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $5,564 | 4.10% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $2,575 | 3.15% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $890,000 | $111,250 | $3,302 | 3.36% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,314 | 2.67% |
| TULSA, OK (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $18,377 | 4.00% |
| Seneca, SC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,199 | 3.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $2,102 | 3.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $10,652 | 3.19% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,504 | 3.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,675 | 3.42% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,379 | 3.69% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,535 | 3.75% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,513 | 4.45% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $1,258 | 3.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $1,973 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,337 | 3.87% |
| Edwards, CO (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,530 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,838 | 3.66% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,465 | 2.88% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $1,180 | 3.25% |
| Henderson, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,286 | 2.83% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,315 | 3.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,700 | 4.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,208 | 3.03% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,510 | 2.81% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $686 | 3.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,606 | 3.00% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,887 | 3.50% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $710 | 3.93% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,201 | 3.19% |
| NILES, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,197 | 2.31% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,857 | 2.75% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,895 | 3.31% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,095 | 2.92% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,296 | 3.38% |
| MADERA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,695 | 3.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,370 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,836 | 2.38% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,363 | 3.06% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,142 | 3.06% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,121 | 3.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,865 | 2.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $608 | 3.31% |
| WACO, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,935 | 3.38% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,110 | 2.94% |
| Berlin, NH (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $2,856 | 3.03% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,390 | 3.38% |
| READING, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,459 | 3.12% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,765 | 3.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,302 | 3.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,119 | 3.44% |
| Bennington, VT (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,263 | 3.06% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,335 | 2.81% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,941 | 3.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,495 | 3.19% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,130 | 3.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,806 | 3.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,090 | 2.69% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,023 | 3.81% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,865 | 2.69% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,462 | 3.25% |
| Gallup, NM (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,553 | 2.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $1,241 | 2.92% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,080 | 3.29% |
| ERIE, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,838 | 2.25% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,335 | 2.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,854 | 3.00% |
| Brookings, SD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,016 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,316 | 3.38% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,327 | 3.00% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.50% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,324 | 2.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,712 | 2.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,585 | 2.88% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $868 | 4.37% |
| Boone, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,913 | 2.63% |
| Washington, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $671 | 3.00% |
| Rutland, VT (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,970 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,412 | 3.38% |
| MONROE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,808 | 2.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,306 | 3.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,086 | 3.06% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,893 | 4.00% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,425 | 3.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,427 | 3.81% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.38% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,757 | 4.18% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,166 | 3.43% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,656 | 2.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,566 | 2.63% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,415 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,551 | 4.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,906 | 2.75% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,655 | 3.13% |
| OCALA, FL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,747 | 2.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,425 | 3.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,950 | 2.13% |
| RENO, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,211 | 2.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,070 | 3.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,723 | 3.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.49% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,386 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,174 | 2.88% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,536 | 4.00% |
| Greenville, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,013 | 3.25% |
| Richmond, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,204 | 2.88% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,613 | 3.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,642 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,112 | 3.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,777 | 2.88% |
| Oil City, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,861 | 2.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 3.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,980 | 2.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,147 | 4.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.00% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.50% |
| Torrington, CT (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 4.74% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,607 | 4.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,750 | 3.25% |
| Olean, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,938 | 4.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.49% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.74% |
| AKRON, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.74% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.49% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.49% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.74% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.74% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.74% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.74% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.74% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.74% |
Digital Federal Credit Union's top markets include Boston, Worcester, Manchester, New York, and Atlanta among others.
Their top states include:Massachusetts
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
California
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
Georgia
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2020, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 5,163 originations. Their 2nd most popular type was HELOC, with 1,593 originations.
Loan Reason
For 2020, Digital Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 1,787 originations. The 2nd most popular reason was Refi, with 1,783 originations.
Loan Duration/Length
For 2020, Digital Federal Credit Union's most frequently cited loan duration was 30 Year, with 2,343 originations. The 2nd most popular length was 30+ year, with 1,592 originations.
Origination Fees/Closing Costs
Digital Federal Credit Union's average total fees were $4,886, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,400 originations.
Interest Rates
During 2020, Digital Federal Credit Union's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,965 originations.
Loan Sizing
2020 saw Digital Federal Credit Union place emphasis on $200k-400k loans with 2,324 originations, totaling $651,570,000 in origination value.
Applicant Income
Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,123 originations. The second most popular income band? $150k-250k, with 1,859 originations.
Applicant Debt to Income Ratio
Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,997 originations. The next most common DTI ratio? 30-36%, with 1,322 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.01%
Digital Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination42.46%
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 | 6,759 | $1,545,125,000 | $228,603 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Digital Mortgage, LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |