Digital Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Digital Federal Credit Union of Marlborough, MA reported 18,630 mortgage applications totaling $6.0 billion, up 18% from 2021. The average application was for $324,153, and applicants reported an average income of $157,637. 37% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (2,696), Worcester, MA-CT (2,009) and Dallas-Plano-Irving, TX (1,220) (applications in parentheses).
| Mortgage Company & Address | Digital Federal Credit Union 220 Donald Lynch Boulevard Marlborough, MA 01752 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 18,630 |
| Total Mortgage Loan Application Amount | $6,038,980,000 |
| Average Mortgage Loan Application Amount | $324,153 |
| Highest Mortgage Loan Application Amount | $42,275,000 |
| Average Applicant Income | $157,637 |
| Highest Applicant Income | $4,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Digital Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cambridge-Newton-Framingham, MA | 2,696 | $ 693,460,000 | $ 257,218 | $ 156,000 |
| Worcester, MA-CT | 2,009 | $ 360,655,000 | $ 179,519 | $ 121,754 |
| Dallas-Plano-Irving, TX | 1,220 | $ 570,390,000 | $ 467,532 | $ 174,000 |
| Manchester-Nashua, NH | 1,094 | $ 188,140,000 | $ 171,974 | $ 141,000 |
| Atlanta-Sandy Springs-Roswell, GA | 851 | $ 289,575,000 | $ 340,276 | $ 160,000 |
| Boston, MA | 739 | $ 316,985,000 | $ 428,937 | $ 159,000 |
| Raleigh, NC | 622 | $ 287,260,000 | $ 461,832 | $ 149,000 |
| Austin-Round Rock, TX | 603 | $ 304,755,000 | $ 505,398 | $ 190,000 |
| Phoenix-Mesa-Scottsdale, AZ | 422 | $ 174,830,000 | $ 414,289 | $ 153,000 |
| Outside any metro area | 417 | $ 77,815,000 | $ 186,606 | $ 145,661 |
| Rockingham County-Strafford County, NH | 413 | $ 74,625,000 | $ 180,690 | $ 142,000 |
| Charlotte-Concord-Gastonia, NC-SC | 406 | $ 169,420,000 | $ 417,290 | $ 149,642 |
| New York-Newark, NY | 383 | $ 140,345,000 | $ 366,436 | $ 192,208 |
| Providence-Warwick, RI-MA | 330 | $ 153,310,000 | $ 464,575 | $ 131,260 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 271 | $ 97,115,000 | $ 358,357 | $ 194,557 |
| Houston-The Woodlands-Sugar Land, TX | 237 | $ 88,755,000 | $ 374,493 | $ 157,000 |
| Tampa-St. Petersburg-Clearwater, FL | 226 | $ 74,820,000 | $ 331,061 | $ 154,000 |
| Montgomery County-Bucks County-Chester County, PA | 182 | $ 73,780,000 | $ 405,384 | $ 179,000 |
| Oakland-Hayward-Berkeley, CA | 172 | $ 93,350,000 | $ 542,732 | $ 265,000 |
| Chicago-Naperville, IL | 158 | $ 41,400,000 | $ 262,025 | $ 172,000 |
| Seattle-Bellevue-Everett, WA | 156 | $ 74,410,000 | $ 476,987 | $ 223,000 |
| Denver-Aurora-Lakewood, CO | 152 | $ 50,380,000 | $ 331,447 | $ 160,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 141 | $ 56,715,000 | $ 402,234 | $ 158,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 137 | $ 60,505,000 | $ 441,642 | $ 158,000 |
| Newark, NJ-PA | 137 | $ 56,295,000 | $ 410,912 | $ 194,080 |
| New York-Jersey City-White Plains, NY-NJ | 136 | $ 56,690,000 | $ 416,838 | $ 215,102 |
| Orlando-Kissimmee-Sanford, FL | 134 | $ 45,980,000 | $ 343,134 | $ 169,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 132 | $ 43,840,000 | $ 332,121 | $ 136,000 |
| Jacksonville, FL | 111 | $ 42,245,000 | $ 380,585 | $ 170,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 104 | $ 41,030,000 | $ 394,519 | $ 180,000 |
| Barnstable Town, MA | 103 | $ 21,305,000 | $ 206,844 | $ 181,000 |
| Richmond, VA | 98 | $ 38,740,000 | $ 395,306 | $ 193,000 |
| Wilmington, DE-MD-NJ | 98 | $ 38,060,000 | $ 388,367 | $ 147,571 |
| Fort Worth-Arlington, TX | 94 | $ 38,970,000 | $ 414,574 | $ 149,000 |
| Hartford-West Hartford-East Hartford, CT | 93 | $ 23,745,000 | $ 255,322 | $ 147,000 |
| Los Angeles-Long Beach-Glendale, CA | 90 | $ 31,100,000 | $ 345,555 | $ 203,000 |
| Warren-Troy-Farmington Hills, MI | 90 | $ 26,840,000 | $ 298,222 | $ 130,000 |
| St. Louis, MO-IL | 87 | $ 28,105,000 | $ 323,045 | $ 142,563 |
| Stockton-Lodi, CA | 87 | $ 48,795,000 | $ 560,862 | $ 210,000 |
| Springfield, MA | 86 | $ 20,100,000 | $ 233,720 | $ 137,000 |
| Indianapolis-Carmel-Anderson, IN | 84 | $ 26,000,000 | $ 309,523 | $ 147,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 83 | $ 37,065,000 | $ 446,566 | $ 178,373 |
| Anaheim-Santa Ana-Irvine, CA | 81 | $ 29,495,000 | $ 364,135 | $ 185,000 |
| Columbus, OH | 81 | $ 25,365,000 | $ 313,148 | $ 135,000 |
| Washington-Baltimore-Arlington, DC | 81 | $ 32,865,000 | $ 405,740 | $ 165,000 |
| San Antonio-New Braunfels, TX | 78 | $ 27,190,000 | $ 348,589 | $ 128,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 77 | $ 41,245,000 | $ 535,649 | $ 245,000 |
| Baltimore-Columbia-Towson, MD | 64 | $ 20,050,000 | $ 313,281 | $ 156,000 |
| Portland-South Portland, ME | 64 | $ 13,350,000 | $ 208,593 | $ 139,000 |
| Riverside-San Bernardino-Ontario, CA | 62 | $ 25,330,000 | $ 408,548 | $ 211,000 |
| Pittsburgh, PA | 60 | $ 17,590,000 | $ 293,166 | $ 134,000 |
| Cincinnati, OH-KY-IN | 57 | $ 15,335,000 | $ 269,035 | $ 137,438 |
| Camden, NJ | 50 | $ 15,590,000 | $ 311,800 | $ 157,000 |
| Durham-Chapel Hill, NC | 50 | $ 17,330,000 | $ 346,600 | $ 146,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 49 | $ 14,875,000 | $ 303,571 | $ 185,000 |
| San Diego-Carlsbad, CA | 47 | $ 18,825,000 | $ 400,531 | $ 198,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 46 | $ 15,920,000 | $ 346,086 | $ 234,000 |
| Harrisburg-Carlisle, PA | 43 | $ 13,055,000 | $ 303,604 | $ 153,000 |
| Trenton, NJ | 43 | $ 13,435,000 | $ 312,441 | $ 222,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 13,010,000 | $ 325,250 | $ 157,075 |
| Cleveland-Elyria, OH | 39 | $ 9,985,000 | $ 256,025 | $ 133,000 |
| Kansas City, MO-KS | 38 | $ 10,230,000 | $ 269,210 | $ 177,368 |
| Colorado Springs, CO | 37 | $ 5,745,000 | $ 155,270 | $ 126,000 |
| Memphis, TN-MS-AR | 36 | $ 12,670,000 | $ 351,944 | $ 136,666 |
| Nassau County-Suffolk County, NY | 36 | $ 12,560,000 | $ 348,888 | $ 219,000 |
| Elgin, IL | 35 | $ 9,725,000 | $ 277,857 | $ 135,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 32 | $ 11,300,000 | $ 353,125 | $ 177,000 |
| Miami-Miami Beach-Kendall, FL | 32 | $ 9,860,000 | $ 308,125 | $ 172,000 |
| Bridgeport-Stamford-Norwalk, CT | 31 | $ 11,275,000 | $ 363,709 | $ 170,000 |
| Salt Lake City, UT | 31 | $ 12,695,000 | $ 409,516 | $ 168,000 |
| Detroit-Dearborn-Livonia, MI | 30 | $ 7,840,000 | $ 261,333 | $ 155,000 |
| Las Vegas-Henderson-Paradise, NV | 30 | $ 8,780,000 | $ 292,666 | $ 133,000 |
| North Port-Sarasota-Bradenton, FL | 30 | $ 5,530,000 | $ 184,333 | $ 155,000 |
| Louisville/Jefferson County, KY-IN | 29 | $ 9,235,000 | $ 318,448 | $ 123,482 |
| Greensboro-High Point, NC | 27 | $ 8,785,000 | $ 325,370 | $ 164,000 |
| New Haven-Milford, CT | 27 | $ 5,395,000 | $ 199,814 | $ 129,000 |
| Oklahoma City, OK | 26 | $ 7,550,000 | $ 290,384 | $ 132,000 |
| Greenville-Anderson-Mauldin, SC | 24 | $ 6,220,000 | $ 259,166 | $ 119,000 |
| Philadelphia, PA | 24 | $ 7,080,000 | $ 295,000 | $ 153,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 23 | $ 6,745,000 | $ 293,260 | $ 142,521 |
| Cape Coral-Fort Myers, FL | 23 | $ 4,375,000 | $ 190,217 | $ 127,000 |
| Columbia, SC | 21 | $ 4,705,000 | $ 224,047 | $ 131,000 |
| Omaha-Council Bluffs, NE-IA | 19 | $ 6,375,000 | $ 335,526 | $ 148,105 |
| Tacoma-Lakewood, WA | 19 | $ 12,465,000 | $ 656,052 | $ 213,000 |
| Bloomington, IL | 18 | $ 4,920,000 | $ 273,333 | $ 122,000 |
| Tulsa, OK | 18 | $ 5,880,000 | $ 326,666 | $ 147,000 |
| Naples-Immokalee-Marco Island, FL | 17 | $ 4,885,000 | $ 287,352 | $ 198,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 4,355,000 | $ 256,176 | $ 134,000 |
| Boise City, ID | 16 | $ 6,340,000 | $ 396,250 | $ 164,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 5,330,000 | $ 333,125 | $ 202,000 |
| Akron, OH | 15 | $ 3,415,000 | $ 227,666 | $ 131,000 |
| Albany-Schenectady-Troy, NY | 15 | $ 4,005,000 | $ 267,000 | $ 129,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 15 | $ 2,945,000 | $ 196,333 | $ 152,000 |
| Milwaukee-Waukesha-West Allis, WI | 15 | $ 4,475,000 | $ 298,333 | $ 168,000 |
| Palm Bay-Melbourne-Titusville, FL | 15 | $ 3,285,000 | $ 219,000 | $ 125,000 |
| Tallahassee, FL | 14 | $ 3,300,000 | $ 235,714 | $ 123,000 |
| Chattanooga, TN-GA | 13 | $ 3,465,000 | $ 266,538 | $ 134,846 |
| Provo-Orem, UT | 12 | $ 4,780,000 | $ 398,333 | $ 227,000 |
| Boulder, CO | 11 | $ 3,255,000 | $ 295,909 | $ 180,000 |
| Charleston-North Charleston, SC | 11 | $ 2,435,000 | $ 221,363 | $ 129,000 |
| Lakeland-Winter Haven, FL | 11 | $ 2,765,000 | $ 251,363 | $ 140,000 |
| Tucson, AZ | 11 | $ 3,055,000 | $ 277,727 | $ 109,000 |
| Ann Arbor, MI | 10 | $ 2,950,000 | $ 295,000 | $ 152,000 |
| Des Moines-West Des Moines, IA | 10 | $ 2,610,000 | $ 261,000 | $ 129,000 |
| Fort Collins, CO | 10 | $ 3,030,000 | $ 303,000 | $ 189,000 |
| Knoxville, TN | 10 | $ 2,150,000 | $ 215,000 | $ 130,000 |
| Rochester, NY | 10 | $ 1,680,000 | $ 168,000 | $ 139,000 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 4,540,000 | $ 454,000 | $ 232,000 |
| Winston-Salem, NC | 10 | $ 3,070,000 | $ 307,000 | $ 177,000 |
| Gainesville, GA | 9 | $ 3,685,000 | $ 409,444 | $ 169,000 |
| Lewiston-Auburn, ME | 9 | $ 1,855,000 | $ 206,111 | $ 131,000 |
| Port St. Lucie, FL | 9 | $ 1,325,000 | $ 147,222 | $ 115,000 |
| Punta Gorda, FL | 9 | $ 1,515,000 | $ 168,333 | $ 107,000 |
| Reno, NV | 9 | $ 3,845,000 | $ 427,222 | $ 134,000 |
| Birmingham-Hoover, AL | 8 | $ 1,960,000 | $ 245,000 | $ 149,000 |
| Huntsville, AL | 8 | $ 1,280,000 | $ 160,000 | $ 137,000 |
| Norwich-New London, CT | 8 | $ 1,630,000 | $ 203,750 | $ 111,000 |
| Toledo, OH | 8 | $ 2,050,000 | $ 256,250 | $ 103,000 |
| Albuquerque, NM | 7 | $ 1,495,000 | $ 213,571 | $ 87,000 |
| Burlington-South Burlington, VT | 7 | $ 835,000 | $ 119,285 | $ 168,000 |
| Columbus, IN | 7 | $ 2,115,000 | $ 302,142 | $ 125,000 |
| Evansville, IN-KY | 7 | $ 2,445,000 | $ 349,285 | $ 128,000 |
| Fayetteville, NC | 7 | $ 3,595,000 | $ 513,571 | $ 128,000 |
| Greeley, CO | 7 | $ 2,905,000 | $ 415,000 | $ 146,000 |
| Lansing-East Lansing, MI | 7 | $ 1,135,000 | $ 162,142 | $ 136,000 |
| Ocala, FL | 7 | $ 1,085,000 | $ 155,000 | $ 165,000 |
| Pittsfield, MA | 7 | $ 935,000 | $ 133,571 | $ 114,000 |
| Salisbury, MD-DE | 7 | $ 2,415,000 | $ 345,000 | $ 234,714 |
| Spartanburg, SC | 7 | $ 2,085,000 | $ 297,857 | $ 137,000 |
| Asheville, NC | 6 | $ 2,360,000 | $ 393,333 | $ 134,000 |
| Clarksville, TN-KY | 6 | $ 800,000 | $ 133,333 | $ 208,000 |
| Dayton-Springfield-Kettering, OH | 6 | $ 1,460,000 | $ 243,333 | $ 107,000 |
| Greenville, NC | 6 | $ 1,340,000 | $ 223,333 | $ 317,000 |
| Lexington-Fayette, KY | 6 | $ 1,270,000 | $ 211,666 | $ 108,000 |
| New Orleans-Metairie, LA | 6 | $ 1,440,000 | $ 240,000 | $ 121,000 |
| Roanoke, VA | 6 | $ 1,820,000 | $ 303,333 | $ 162,000 |
| Bakersfield, CA | 5 | $ 1,005,000 | $ 201,000 | $ 124,000 |
| College Station-Bryan, TX | 5 | $ 1,665,000 | $ 333,000 | $ 155,000 |
| Gary, IN | 5 | $ 1,195,000 | $ 239,000 | $ 131,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 1,745,000 | $ 349,000 | $ 152,000 |
| Lafayette-West Lafayette, IN | 5 | $ 1,005,000 | $ 201,000 | $ 120,000 |
| Madison, WI | 5 | $ 1,335,000 | $ 267,000 | $ 102,000 |
| Modesto, CA | 5 | $ 2,245,000 | $ 449,000 | $ 185,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 685,000 | $ 137,000 | $ 144,800 |
| Peoria, IL | 5 | $ 1,135,000 | $ 227,000 | $ 170,000 |
| San Rafael, CA | 5 | $ 1,275,000 | $ 255,000 | $ 106,000 |
| Savannah, GA | 5 | $ 1,235,000 | $ 247,000 | $ 130,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,235,000 | $ 247,000 | $ 147,000 |
| The Villages, FL | 5 | $ 1,075,000 | $ 215,000 | $ 116,000 |
| Wilmington, NC | 5 | $ 1,065,000 | $ 213,000 | $ 188,000 |
| Auburn-Opelika, AL | 4 | $ 1,290,000 | $ 322,500 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 900,000 | $ 225,000 | $ 81,250 |
| Baton Rouge, LA | 4 | $ 160,000 | $ 40,000 | $ 115,000 |
| Chico, CA | 4 | $ 540,000 | $ 135,000 | $ 107,000 |
| Columbus, GA-AL | 4 | $ 610,000 | $ 152,500 | $ 130,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 1,080,000 | $ 270,000 | $ 130,000 |
| Erie, PA | 4 | $ 850,000 | $ 212,500 | $ 120,000 |
| Fort Wayne, IN | 4 | $ 920,000 | $ 230,000 | $ 126,000 |
| Fresno, CA | 4 | $ 1,870,000 | $ 467,500 | $ 182,000 |
| Gainesville, FL | 4 | $ 1,040,000 | $ 260,000 | $ 103,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,510,000 | $ 377,500 | $ 202,000 |
| Kokomo, IN | 4 | $ 1,040,000 | $ 260,000 | $ 108,000 |
| Lancaster, PA | 4 | $ 700,000 | $ 175,000 | $ 164,000 |
| Lynchburg, VA | 4 | $ 1,460,000 | $ 365,000 | $ 167,000 |
| Panama City, FL | 4 | $ 1,450,000 | $ 362,500 | $ 160,000 |
| Reading, PA | 4 | $ 330,000 | $ 82,500 | $ 70,000 |
| Shreveport-Bossier City, LA | 4 | $ 1,370,000 | $ 342,500 | $ 292,000 |
| Tyler, TX | 4 | $ 320,000 | $ 80,000 | $ 96,000 |
| Albany, GA | 3 | $ 635,000 | $ 211,666 | $ 293,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 605,000 | $ 201,666 | $ 192,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 435,000 | $ 145,000 | $ 151,666 |
| Jackson, MS | 3 | $ 795,000 | $ 265,000 | $ 149,000 |
| Johnson City, TN | 3 | $ 355,000 | $ 118,333 | $ 145,000 |
| Killeen-Temple, TX | 3 | $ 475,000 | $ 158,333 | $ 131,000 |
| Kingston, NY | 3 | $ 655,000 | $ 218,333 | $ 62,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 325,000 | $ 108,333 | $ 85,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 465,000 | $ 155,000 | $ 91,000 |
| Logan, UT-ID | 3 | $ 885,000 | $ 295,000 | $ 107,000 |
| Ogden-Clearfield, UT | 3 | $ 865,000 | $ 288,333 | $ 386,000 |
| Olympia-Tumwater, WA | 3 | $ 645,000 | $ 215,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 465,000 | $ 155,000 | $ 124,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 765,000 | $ 255,000 | $ 241,000 |
| Rochester, MN | 3 | $ 385,000 | $ 128,333 | $ 142,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 445,000 | $ 148,333 | $ 233,000 |
| Santa Fe, NM | 3 | $ 375,000 | $ 125,000 | $ 146,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 365,000 | $ 121,666 | $ 60,000 |
| Sherman-Denison, TX | 3 | $ 1,355,000 | $ 451,666 | $ 146,000 |
| Sioux Falls, SD | 3 | $ 815,000 | $ 271,666 | $ 80,000 |
| Springfield, IL | 3 | $ 1,175,000 | $ 391,666 | $ 99,000 |
| Syracuse, NY | 3 | $ 525,000 | $ 175,000 | $ 112,000 |
| Tuscaloosa, AL | 3 | $ 495,000 | $ 165,000 | $ 54,000 |
| Twin Falls, ID | 3 | $ 1,245,000 | $ 415,000 | $ 120,000 |
| York-Hanover, PA | 3 | $ 585,000 | $ 195,000 | $ 151,000 |
| Bangor, ME | 2 | $ 170,000 | $ 85,000 | $ 128,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 700,000 | $ 350,000 | $ 125,000 |
| Brunswick, GA | 2 | $ 90,000 | $ 45,000 | $ 68,000 |
| Burlington, NC | 2 | $ 220,000 | $ 110,000 | $ 279,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 340,000 | $ 170,000 | $ 41,000 |
| Champaign-Urbana, IL | 2 | $ 450,000 | $ 225,000 | $ 128,000 |
| Charlottesville, VA | 2 | $ 410,000 | $ 205,000 | $ 151,000 |
| Duluth, MN-WI | 2 | $ 1,290,000 | $ 645,000 | $ 656,000 |
| Flint, MI | 2 | $ 170,000 | $ 85,000 | $ 84,000 |
| Goldsboro, NC | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Green Bay, WI | 2 | $ 600,000 | $ 300,000 | $ 128,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 740,000 | $ 370,000 | $ 173,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 430,000 | $ 215,000 | $ 147,000 |
| Iowa City, IA | 2 | $ 490,000 | $ 245,000 | $ 99,000 |
| Jackson, MI | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Jacksonville, NC | 2 | $ 370,000 | $ 185,000 | $ 136,000 |
| Las Cruces, NM | 2 | $ 430,000 | $ 215,000 | $ 130,000 |
| Lincoln, NE | 2 | $ 980,000 | $ 490,000 | $ 82,000 |
| Lubbock, TX | 2 | $ 380,000 | $ 190,000 | $ 232,000 |
| Macon-Bibb County, GA | 2 | $ 170,000 | $ 85,000 | $ 44,000 |
| Medford, OR | 2 | $ 790,000 | $ 395,000 | $ 49,000 |
| Montgomery, AL | 2 | $ 310,000 | $ 155,000 | $ 102,000 |
| Salinas, CA | 2 | $ 730,000 | $ 365,000 | $ 204,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 160,000 | $ 80,000 | $ 131,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 180,000 | $ 90,000 | $ 187,000 |
| Springfield, MO | 2 | $ 750,000 | $ 375,000 | $ 143,000 |
| Topeka, KS | 2 | $ 760,000 | $ 380,000 | $ 162,000 |
| Visalia-Porterville, CA | 2 | $ 90,000 | $ 45,000 | $ 86,000 |
| Waco, TX | 2 | $ 440,000 | $ 220,000 | $ 213,000 |
| Winchester, VA-WV | 2 | $ 400,000 | $ 200,000 | $ 181,000 |
| Amarillo, TX | 1 | $ 415,000 | $ 415,000 | $ 225,000 |
| Bend-Redmond, OR | 1 | $ 225,000 | $ 225,000 | $ 200,000 |
| Binghamton, NY | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Bloomington, IN | 1 | $ 115,000 | $ 115,000 | $ 170,000 |
| Bowling Green, KY | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Bremerton-Silverdale, WA | 1 | $ 535,000 | $ 535,000 | $ 282,000 |
| Canton-Massillon, OH | 1 | $ 355,000 | $ 355,000 | $ 63,000 |
| Carbondale-Marion, IL | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Cedar Rapids, IA | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Charleston, WV | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Cleveland, TN | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Corpus Christi, TX | 1 | $ 365,000 | $ 365,000 | $ 285,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Dover, DE | 1 | $ 225,000 | $ 225,000 | $ 258,000 |
| East Stroudsburg, PA | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| El Paso, TX | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Fargo, ND-MN | 1 | $ 375,000 | $ 375,000 | $ 280,000 |
| Flagstaff, AZ | 1 | $ 325,000 | $ 325,000 | $ 425,000 |
| Florence, SC | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Fond Du Lac, WI | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Fort Smith, AR-OK | 1 | $ 495,000 | $ 495,000 | $ 354,000 |
| Glens Falls, NY | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Harrisonburg, VA | 1 | $ 335,000 | $ 335,000 | $ 92,000 |
| Homosassa Springs, FL | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| Hot Springs, AR | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 275,000 | $ 275,000 | $ 215,000 |
| Kennewick-Richland, WA | 1 | $ 465,000 | $ 465,000 | $ 112,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 855,000 | $ 855,000 | $ 600,000 |
| Lafayette, LA | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Laredo, TX | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Merced, CA | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Mobile, AL | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| Morgantown, WV | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Ocean City, NJ | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Owensboro, KY | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Racine, WI | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Redding, CA | 1 | $ 415,000 | $ 415,000 | $ 133,000 |
| Rocky Mount, NC | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Spokane-Spokane Valley, WA | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Springfield, OH | 1 | $ 375,000 | $ 375,000 | $ 111,000 |
| State College, PA | 1 | $ 65,000 | $ 65,000 | $ 294,000 |
| Sumter, SC | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Vallejo-Fairfield, CA | 1 | $ 645,000 | $ 645,000 | $ 170,000 |
| Warner Robins, GA | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Wenatchee, WA | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Wichita, KS | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Williamsport, PA | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Digital Federal Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 8,828 | $4,102,420,000 | $464,000 | $18,755,000 | $164,000 | $2,896,000 |
| Home Improvement | 3,774 | $400,300,000 | $106,000 | $3,005,000 | $152,000 | $2,325,000 |
| Other Purpose | 2,720 | $365,140,000 | $134,000 | $1,805,000 | $156,000 | $2,232,000 |
| Cash-out Refinancing | 1,975 | $512,705,000 | $259,000 | $3,505,000 | $148,000 | $4,400,000 |
| Refinancing | 1,321 | $655,095,000 | $495,000 | $42,275,000 | $149,000 | $1,409,000 |
| Not Applicable | 12 | $3,320,000 | $276,000 | $595,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,809 | $1,107,825,000 | $190,000 | $3,915,000 | $148,000 | $4,400,000 |
| Asian | 5,101 | $2,011,555,000 | $394,000 | $1,805,000 | $166,000 | $2,325,000 |
| Not Provided | 2,731 | $769,385,000 | $281,000 | $3,505,000 | $160,000 | $2,665,000 |
| Black or African American | 757 | $162,755,000 | $215,000 | $1,885,000 | $122,000 | $1,187,000 |
| Hispanic | 636 | $109,530,000 | $172,000 | $1,005,000 | $110,000 | $800,000 |
| Not applicable | 81 | $372,655,000 | $4,600,000 | $42,275,000 | $0 | $0 |
| American Indian or Alaskan Native | 46 | $9,700,000 | $210,000 | $785,000 | $117,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $535,000 | $107,000 | $175,000 | $130,000 | $229,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 18,630 | $6,038,980,000 | $324,000 | $42,275,000 | $158,000 | $4,400,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,863 | $1,945,015,000 | $283,000 | $31,005,000 | $162,000 | $2,335,000 |
| File Closed For Incompleteness | 4,443 | $1,668,185,000 | $375,000 | $1,635,000 | $167,000 | $4,400,000 |
| Application Withdrawn By Applicant | 3,628 | $1,494,330,000 | $411,000 | $42,275,000 | $171,000 | $2,665,000 |
| Application Denied By Financial Institution | 3,237 | $755,885,000 | $233,000 | $14,755,000 | $121,000 | $2,482,000 |
| Application Approved But Not Accepted | 362 | $128,700,000 | $355,000 | $1,455,000 | $162,000 | $1,225,000 |
| Preapproval Denied by Financial Institution | 48 | $24,670,000 | $513,000 | $1,605,000 | $97,000 | $290,000 |
| Preapproval Approved but not Accepted | 37 | $18,875,000 | $510,000 | $1,105,000 | $151,000 | $280,000 |
| Loan Purchased By The Institution | 12 | $3,320,000 | $276,000 | $595,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 15,345 | $5,258,425,000 | $342,000 | $42,275,000 | $165,000 | $4,400,000 |
| Debt-To-Income Ratio | 1,798 | $468,720,000 | $260,000 | $3,505,000 | $96,000 | $520,000 |
| Other | 649 | $126,125,000 | $194,000 | $3,935,000 | $151,000 | $2,482,000 |
| Collateral | 437 | $74,955,000 | $171,000 | $1,405,000 | $165,000 | $2,325,000 |
| Credit History | 306 | $58,090,000 | $189,000 | $935,000 | $133,000 | $503,000 |
| Employment History | 43 | $13,065,000 | $303,000 | $925,000 | $123,000 | $290,000 |
| Unverifiable Information | 24 | $24,940,000 | $1,039,000 | $14,755,000 | $185,000 | $451,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $11,460,000 | $636,000 | $3,005,000 | $143,000 | $262,000 |
| Credit Application Incomplete | 10 | $3,200,000 | $320,000 | $645,000 | $130,000 | $276,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Digital Federal Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Digital Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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