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 Refi, Cash Out 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 Providence among others. We have data for 231 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
5,986Origination Dollar Volume (All Markets)
$1,550,960,000Awards
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DIGITAL Federal Credit Union - 2021
DIGITAL Federal Credit Union is a 2021 , due to their low .
For 2021, 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) | 1,893 | $628,785,000 | $332,163 | $4,478 | 3.37% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1,216 | $253,200,000 | $208,224 | $3,947 | 3.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 660 | $131,900,000 | $199,848 | $3,875 | 3.35% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 161 | $45,165,000 | $280,528 | $5,352 | 3.29% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 132 | $40,330,000 | $305,530 | $4,680 | 3.16% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 143 | $31,115,000 | $217,587 | $4,223 | 3.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 92 | $20,500,000 | $222,826 | $3,772 | 3.79% |
| Outside of Metro Areas | 60 | $15,500,000 | $258,333 | $4,444 | 2.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 67 | $15,495,000 | $231,269 | $4,491 | 3.16% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 53 | $13,855,000 | $261,415 | $3,797 | 3.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $12,235,000 | $313,718 | $3,806 | 4.15% |
| Concord, NH (FHA|USDA|VA) | 62 | $12,180,000 | $196,452 | $3,744 | 3.15% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 51 | $10,955,000 | $214,804 | $4,188 | 3.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 40 | $10,880,000 | $272,000 | $4,194 | 3.61% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 36 | $10,530,000 | $292,500 | $5,199 | 2.85% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 48 | $9,870,000 | $205,625 | $3,928 | 3.02% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 43 | $9,775,000 | $227,326 | $3,754 | 3.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 38 | $9,750,000 | $256,579 | $5,904 | 4.11% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 36 | $9,690,000 | $269,167 | $3,325 | 3.09% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 23 | $8,695,000 | $378,043 | $5,281 | 3.61% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 42 | $8,470,000 | $201,667 | $3,023 | 3.30% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 40 | $8,150,000 | $203,750 | $3,576 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 32 | $7,800,000 | $243,750 | $3,571 | 3.71% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $7,700,000 | $275,000 | $5,393 | 3.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 32 | $7,490,000 | $234,063 | $3,635 | 3.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $7,125,000 | $375,000 | $4,262 | 3.66% |
| STOCKTON, CA (FHA|USDA|VA) | 17 | $6,825,000 | $401,471 | $6,670 | 3.53% |
| Lebanon, NH-VT (FHA|USDA|VA) | 30 | $6,790,000 | $226,333 | $4,348 | 3.06% |
| Laconia, NH (FHA|USDA|VA) | 29 | $6,575,000 | $226,724 | $4,382 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 26 | $5,700,000 | $219,231 | $4,286 | 3.59% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 19 | $5,375,000 | $282,895 | $4,787 | 3.23% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 13 | $5,335,000 | $410,385 | $7,732 | 2.96% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 21 | $5,195,000 | $247,381 | $3,883 | 2.84% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 27 | $5,125,000 | $189,815 | $3,346 | 3.23% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $5,110,000 | $283,889 | $4,656 | 3.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 23 | $4,875,000 | $211,957 | $3,929 | 3.55% |
| Keene, NH (FHA|USDA|VA) | 23 | $4,385,000 | $190,652 | $2,984 | 2.87% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $4,170,000 | $231,667 | $3,778 | 3.41% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $3,935,000 | $302,692 | $3,981 | 3.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $3,905,000 | $300,385 | $6,404 | 3.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $6,030 | 2.67% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $3,590,000 | $299,167 | $7,822 | 4.11% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 19 | $3,505,000 | $184,474 | $3,708 | 3.27% |
| RICHMOND, VA (FHA|USDA|VA) | 17 | $3,245,000 | $190,882 | $2,779 | 3.48% |
| COLUMBUS, OH (FHA|USDA|VA) | 19 | $3,145,000 | $165,526 | $3,685 | 3.30% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 9 | $3,105,000 | $345,000 | $3,493 | 2.67% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 14 | $2,800,000 | $200,000 | $4,697 | 3.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 14 | $2,720,000 | $194,286 | $2,320 | 3.37% |
| PITTSBURGH, PA (FHA|USDA|VA) | 17 | $2,645,000 | $155,588 | $4,105 | 3.18% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $4,915 | 2.96% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $5,796 | 2.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $5,510 | 3.52% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $4,946 | 2.58% |
| Vineyard Haven, MA (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $4,245 | 3.04% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $2,110,000 | $211,000 | $2,982 | 3.02% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $5,271 | 2.66% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $1,930,000 | $160,833 | $2,002 | 3.28% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $4,726 | 2.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $4,532 | 2.98% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $5,838 | 2.70% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $3,864 | 2.58% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,853 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $1,320 | 3.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $3,870 | 2.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $3,700 | 2.69% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $3,472 | 3.02% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $3,735 | 2.92% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $3,971 | 2.83% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $3,935 | 3.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $2,938 | 2.79% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $3,734 | 2.46% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,180,000 | $147,500 | $2,658 | 3.22% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $8,499 | 2.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $5,343 | 2.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $3,451 | 2.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,547 | 2.59% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,934 | 2.79% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $2,180 | 2.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $3,728 | 3.56% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,414 | 2.58% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $2,960 | 3.72% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,842 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $2,802 | 2.95% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $10,337 | 3.33% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,054 | 3.07% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $7,037 | 3.68% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $2,449 | 3.79% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $5,137 | 3.06% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $4,897 | 3.22% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,170 | 3.06% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $3,020 | 3.37% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,338 | 3.95% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,822 | 3.37% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,965 | 2.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $12,544 | 3.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $0 | 4.32% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $1,872 | 3.28% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,804 | 3.08% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,191 | 2.29% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $7,618 | 2.69% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,742 | 2.71% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,694 | 3.33% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,525 | 2.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $3,789 | 3.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,119 | 2.67% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,051 | 2.79% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,873 | 2.54% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,106 | 2.81% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,873 | 2.94% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,581 | 2.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $7,259 | 3.25% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,015 | 2.56% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,098 | 2.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,934 | 2.31% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $5,228 | 3.59% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,831 | 3.54% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,364 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,556 | 3.31% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,117 | 3.75% |
| NILES, MI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,047 | 2.50% |
| Berlin, NH (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $1,672 | 3.41% |
| BANGOR, ME (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,124 | 2.96% |
| Bennington, VT (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $3,615 | 3.37% |
| OCALA, FL (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $4,331 | 3.31% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,931 | 3.29% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,238 | 3.83% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,752 | 2.56% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,665 | 3.68% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,397 | 3.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,952 | 2.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,551 | 2.81% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,035 | 2.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,036 | 2.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,361 | 3.13% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 4.12% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,905 | 3.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,533 | 3.06% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,091 | 2.94% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,086 | 3.18% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,251 | 2.63% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,308 | 2.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 3.81% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,257 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,849 | 2.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,946 | 2.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,644 | 4.06% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,760 | 2.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,136 | 3.00% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,105 | 3.43% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $1,783 | 3.93% |
| MERCED, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,361 | 3.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,900 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,604 | 2.50% |
| Torrington, CT (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,375 | 3.12% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,862 | 2.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,706 | 3.12% |
| Winona, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,761 | 2.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,669 | 2.63% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,495 | 3.87% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,774 | 2.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,916 | 2.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,159 | 2.25% |
| Holland, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,391 | 3.25% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,664 | 3.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.49% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,308 | 2.94% |
| Centralia, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,349 | 3.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,220 | 2.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,536 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,937 | 2.38% |
| Corning, NY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,487 | 2.81% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,012 | 2.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,140 | 2.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,760 | 2.88% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,320 | 2.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,060 | 2.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,894 | 3.13% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,616 | 3.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,438 | 2.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,153 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.49% |
| MADISON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,961 | 3.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,765 | 3.00% |
| CHICO, CA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 4.49% |
| Athens, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,265 | 2.38% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,204 | 3.13% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,268 | 2.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,045 | 2.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,737 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,799 | 2.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,851 | 2.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,875 | 3.13% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,630 | 3.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,212 | 2.88% |
| Rutland, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,995 | 2.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,056 | 2.25% |
| Barre, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,088 | 3.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,272 | 2.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,970 | 2.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,193 | 2.50% |
| Ada, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,226 | 2.38% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,083 | 2.50% |
| Searcy, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,123 | 3.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.49% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,472 | 3.13% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,993 | 3.13% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,946 | 2.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,471 | 3.13% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,561 | 2.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,465 | 3.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,730 | 2.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,141 | 2.38% |
| READING, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,805 | 2.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,661 | 3.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,031 | 2.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,786 | 2.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,201 | 2.88% |
| Meadville, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,408 | 3.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,710 | 2.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 4.12% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.49% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,862 | 3.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,143 | 2.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,906 | 2.50% |
| Findlay, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,486 | 2.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,064 | 2.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.74% |
| Silver City, NM (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.49% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.74% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.74% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.49% |
Digital Federal Credit Union's top markets include Boston, Worcester, Manchester, New York, and Providence among others.
Their top states include:Massachusetts
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
California
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,941 | $1,416,765,000 | $286,736 | $4,210 | 3.06% |
| HELOC | 1,045 | $134,195,000 | $128,416 | n/a | 4.47% |
For 2021, Digital Federal Credit Union's most frequently originated type of loan was Conventional, with 4,941 originations. Their 2nd most popular type was HELOC, with 1,045 originations.
Loan Reason
For 2021, Digital Federal Credit Union's most frequently cited loan purpose was Refi, with 1,705 originations. The 2nd most popular reason was Cash Out Refi, with 1,656 originations.
Loan Duration/Length
For 2021, Digital Federal Credit Union's most frequently cited loan duration was 30 Year, with 2,284 originations. The 2nd most popular length was 15 Year, with 1,259 originations.
Origination Fees/Closing Costs
Digital Federal Credit Union's average total fees were $5,569, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,658 originations.
Interest Rates
During 2021, Digital Federal Credit Union's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,388 originations.
Loan Sizing
2021 saw Digital Federal Credit Union place emphasis on $200k-400k loans with 2,312 originations, totaling $652,840,000 in origination value.
Applicant Income
Digital Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,854 originations. The second most popular income band? $150k-250k, with 1,585 originations.
Applicant Debt to Income Ratio
Digital Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,733 originations. The next most common DTI ratio? 30-36%, with 1,270 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.29%
Digital Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination29.70%
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 | 5,986 | $1,550,960,000 | $259,098 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,986 | $1,550,960,000 | $259,098 |