Digital Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Digital Federal Credit Union of Marlborough, MA reported 8,315 mortgage applications totaling $2.4 billion, down 28% from 2024. The average application was for $294,542, and applicants reported an average income of $184,895. 47% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (1,630), Worcester, MA-CT (1,198) and Manchester-Nashua, NH (730) (applications in parentheses).

Mortgage Company & Address Digital Federal Credit Union
220 Donald Lynch Boulevard
Marlborough, MA 01752
Federal Regulator * available with data download
Years 2025  2024  2023  
Total Number of Mortgage Applications 8,315
Total Mortgage Loan Application Amount $2,449,125,000
Average Mortgage Loan Application Amount $294,542
Highest Mortgage Loan Application Amount $20,005,000
Average Applicant Income $184,895
Highest Applicant Income $5,004,000

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records Digital Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Digital Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Worcester, Massachusetts 1,198 $ 229,440,000 $ 191,519 $ 141,000
Middlesex, Massachusetts 1,170 $ 301,820,000 $ 257,965 $ 189,000
Hillsborough, New Hampshire 730 $ 135,140,000 $ 185,123 $ 151,000
Essex, Massachusetts 460 $ 101,210,000 $ 220,021 $ 150,000
Norfolk, Massachusetts 233 $ 65,595,000 $ 281,523 $ 206,000
Rockingham, New Hampshire 225 $ 50,265,000 $ 223,400 $ 189,000
Forsyth, Georgia 191 $ 65,945,000 $ 345,261 $ 201,000
Middlesex, New Jersey 147 $ 49,305,000 $ 335,408 $ 207,000
Plymouth, Massachusetts 131 $ 39,145,000 $ 298,816 $ 213,000
Collin, Texas 107 $ 50,215,000 $ 469,299 $ 217,000
Wake, North Carolina 89 $ 40,955,000 $ 460,168 $ 192,000
Denton, Texas 89 $ 42,095,000 $ 472,977 $ 196,000
Bristol, Massachusetts 86 $ 21,490,000 $ 249,883 $ 228,000
Merrimack, New Hampshire 86 $ 36,370,000 $ 422,906 $ 170,000
Suffolk, Massachusetts 85 $ 90,255,000 $ 1,061,823 $ 204,000
Maricopa, Arizona 73 $ 29,505,000 $ 404,178 $ 192,000
Loudoun, Virginia 71 $ 29,375,000 $ 413,732 $ 237,000
Providence, Rhode Island 65 $ 35,555,000 $ 547,000 $ 128,000
Williamson, Texas 52 $ 25,520,000 $ 490,769 $ 246,000
Barnstable, Massachusetts 50 $ 11,240,000 $ 224,800 $ 242,000
Alameda, California 48 $ 35,430,000 $ 738,125 $ 343,000
Los Angeles, California 48 $ 18,340,000 $ 382,083 $ 255,000
Fulton, Georgia 48 $ 14,580,000 $ 303,750 $ 196,000
Somerset, New Jersey 48 $ 18,110,000 $ 377,291 $ 223,000
Snohomish, Washington 45 $ 30,935,000 $ 687,444 $ 272,000
Orange, California 43 $ 22,385,000 $ 520,581 $ 262,000
King, Washington 43 $ 27,275,000 $ 634,302 $ 298,000
Santa Clara, California 41 $ 26,415,000 $ 644,268 $ 322,000
Cook, Illinois 41 $ 10,275,000 $ 250,609 $ 181,000
Gwinnett, Georgia 39 $ 12,165,000 $ 311,923 $ 205,000
Morris, New Jersey 38 $ 18,530,000 $ 487,631 $ 225,000
Benton, Arkansas 37 $ 14,275,000 $ 385,810 $ 197,000
Hampden, Massachusetts 35 $ 5,785,000 $ 165,285 $ 122,000
Contra Costa, California 33 $ 15,245,000 $ 461,969 $ 249,000
San Joaquin, California 31 $ 13,925,000 $ 449,193 $ 232,000
Mercer, New Jersey 29 $ 12,825,000 $ 442,241 $ 245,000
Belknap, New Hampshire 28 $ 14,690,000 $ 524,642 $ 220,000
Mecklenburg, North Carolina 28 $ 11,030,000 $ 393,928 $ 202,000
New Castle, Delaware 27 $ 10,935,000 $ 405,000 $ 182,000
Hillsborough, Florida 26 $ 8,530,000 $ 328,076 $ 222,000
Orange, Florida 26 $ 7,780,000 $ 299,230 $ 186,000
Chester, Pennsylvania 26 $ 7,650,000 $ 294,230 $ 225,000
York, Maine 25 $ 8,125,000 $ 325,000 $ 226,000
Hennepin, Minnesota 25 $ 7,585,000 $ 303,400 $ 186,000
St. Charles, Missouri 25 $ 9,105,000 $ 364,200 $ 158,000
Cabarrus, North Carolina 25 $ 9,145,000 $ 365,800 $ 188,000
Cheshire, New Hampshire 24 $ 4,720,000 $ 196,666 $ 137,000
San Diego, California 23 $ 11,175,000 $ 485,869 $ 251,000
Pasco, Florida 23 $ 7,705,000 $ 335,000 $ 156,000
St. Louis, Missouri 23 $ 6,185,000 $ 268,913 $ 178,000
Williamson, Tennessee 23 $ 8,215,000 $ 357,173 $ 183,000
Fairfax, Virginia 23 $ 7,385,000 $ 321,086 $ 264,000
Cobb, Georgia 22 $ 7,320,000 $ 332,727 $ 181,000
Will, Illinois 22 $ 9,020,000 $ 410,000 $ 181,000
Capitol Planning Region, Connecticut 21 $ 6,465,000 $ 307,857 $ 157,000
Broward, Florida 21 $ 4,345,000 $ 206,904 $ 184,000
Lake, Illinois 21 $ 4,845,000 $ 230,714 $ 171,000
Carroll, New Hampshire 21 $ 6,315,000 $ 300,714 $ 196,000
Harris, Texas 21 $ 5,625,000 $ 267,857 $ 211,000
Riverside, California 20 $ 9,680,000 $ 484,000 $ 221,000
Douglas, Colorado 20 $ 5,980,000 $ 299,000 $ 248,000
El Paso, Colorado 20 $ 2,920,000 $ 146,000 $ 139,000
Allegheny, Pennsylvania 20 $ 4,710,000 $ 235,500 $ 183,000
Montgomery, Pennsylvania 20 $ 8,300,000 $ 415,000 $ 203,000
Dallas, Texas 20 $ 7,260,000 $ 363,000 $ 227,000
DuPage, Illinois 19 $ 4,665,000 $ 245,526 $ 185,000
Hamilton, Indiana 19 $ 4,255,000 $ 223,947 $ 189,000
Oakland, Michigan 19 $ 3,635,000 $ 191,315 $ 147,000
Essex, New Jersey 19 $ 12,475,000 $ 656,578 $ 310,000
Monmouth, New Jersey 19 $ 10,975,000 $ 577,631 $ 268,000
York, South Carolina 19 $ 5,735,000 $ 301,842 $ 180,000
Fort Bend, Texas 19 $ 6,255,000 $ 329,210 $ 228,000
Sacramento, California 18 $ 5,780,000 $ 321,111 $ 222,000
Nassau, New York 18 $ 7,470,000 $ 415,000 $ 224,000
Delaware, Ohio 18 $ 6,280,000 $ 348,888 $ 157,000
Palm Beach, Florida 17 $ 6,065,000 $ 356,764 $ 177,000
Henrico, Virginia 17 $ 4,745,000 $ 279,117 $ 148,000
Seminole, Florida 16 $ 5,770,000 $ 360,625 $ 200,000
Frederick, Maryland 16 $ 6,750,000 $ 421,875 $ 153,000
Howard, Maryland 16 $ 3,510,000 $ 219,375 $ 264,000
Strafford, New Hampshire 16 $ 2,760,000 $ 172,500 $ 121,000
Union, North Carolina 16 $ 7,710,000 $ 481,875 $ 242,000
Kent, Rhode Island 16 $ 3,540,000 $ 221,250 $ 221,000
Travis, Texas 16 $ 8,120,000 $ 507,500 $ 315,000
Bergen, New Jersey 15 $ 6,825,000 $ 455,000 $ 296,000
Suffolk, New York 15 $ 2,785,000 $ 185,666 $ 199,000
Franklin, Ohio 15 $ 2,715,000 $ 181,000 $ 167,000
Dakota, Minnesota 14 $ 6,720,000 $ 480,000 $ 206,000
Washington, Oregon 14 $ 8,090,000 $ 577,857 $ 223,000
Tarrant, Texas 14 $ 7,170,000 $ 512,142 $ 270,000
Jefferson, Kentucky 13 $ 3,185,000 $ 245,000 $ 169,000
Clark, Nevada 13 $ 3,445,000 $ 265,000 $ 148,000
Western Connecticut Planning Region, Connecticut 12 $ 3,920,000 $ 326,666 $ 238,000
Burlington, New Jersey 12 $ 3,080,000 $ 256,666 $ 203,000
Hudson, New Jersey 12 $ 4,830,000 $ 402,500 $ 229,000
Warren, Ohio 12 $ 3,520,000 $ 293,333 $ 219,000
Cherokee, Georgia 11 $ 5,595,000 $ 508,636 $ 255,000
Shelby, Tennessee 11 $ 2,425,000 $ 220,454 $ 142,000
Boulder, Colorado 10 $ 5,820,000 $ 582,000 $ 426,000
Lake, Florida 10 $ 1,360,000 $ 136,000 $ 193,000
Johnson, Kansas 10 $ 2,280,000 $ 228,000 $ 176,000
Franklin, Massachusetts 10 $ 2,670,000 $ 267,000 $ 202,000
Douglas, Nebraska 10 $ 1,460,000 $ 146,000 $ 175,000
Gloucester, New Jersey 10 $ 2,710,000 $ 271,000 $ 206,000
Queens, New York 10 $ 2,940,000 $ 294,000 $ 158,000
Cumberland, Pennsylvania 10 $ 2,010,000 $ 201,000 $ 187,000
San Bernardino, California 9 $ 2,555,000 $ 283,888 $ 157,000
Collier, Florida 9 $ 1,895,000 $ 210,555 $ 184,000
Miami-Dade, Florida 9 $ 3,485,000 $ 387,222 $ 212,000
Hall, Georgia 9 $ 2,395,000 $ 266,111 $ 151,000
McLean, Illinois 9 $ 2,465,000 $ 273,888 $ 170,000
Cumberland, Maine 9 $ 1,505,000 $ 167,222 $ 147,000
Montgomery, Maryland 9 $ 2,055,000 $ 228,333 $ 256,000
Hampshire, Massachusetts 9 $ 3,765,000 $ 418,333 $ 92,000
Union, New Jersey 9 $ 3,875,000 $ 430,555 $ 158,000
Ventura, California 8 $ 1,560,000 $ 195,000 $ 180,000
South Central Connecticut Planning Region, Connecticut 8 $ 1,470,000 $ 183,750 $ 141,000
St. Johns, Florida 8 $ 4,020,000 $ 502,500 $ 239,000
DeKalb, Georgia 8 $ 1,350,000 $ 168,750 $ 230,000
Camden, New Jersey 8 $ 1,220,000 $ 152,500 $ 154,000
Westchester, New York 8 $ 2,600,000 $ 325,000 $ 263,000
Cuyahoga, Ohio 8 $ 1,420,000 $ 177,500 $ 168,000
Bucks, Pennsylvania 8 $ 1,880,000 $ 235,000 $ 260,000
Bristol, Rhode Island 8 $ 4,400,000 $ 550,000 $ 245,000
Wilson, Tennessee 8 $ 2,500,000 $ 312,500 $ 143,000
Waukesha, Wisconsin 8 $ 5,550,000 $ 693,750 $ 274,000
Pima, Arizona 7 $ 1,605,000 $ 229,285 $ 152,000
Naugatuck Valley Planning Region, Connecticut 7 $ 3,015,000 $ 430,714 $ 202,000
Northeastern Connecticut Planning Region, Connecticut 7 $ 1,335,000 $ 190,714 $ 134,000
Sarasota, Florida 7 $ 1,395,000 $ 199,285 $ 150,000
Kane, Illinois 7 $ 1,705,000 $ 243,571 $ 168,000
Macomb, Michigan 7 $ 2,325,000 $ 332,142 $ 165,000
Hunterdon, New Jersey 7 $ 3,095,000 $ 442,142 $ 238,000
Kings, New York 7 $ 1,875,000 $ 267,857 $ 202,000
Guilford, North Carolina 7 $ 2,205,000 $ 315,000 $ 186,000
Philadelphia, Pennsylvania 7 $ 1,495,000 $ 213,571 $ 192,000
Greenville, South Carolina 7 $ 1,155,000 $ 165,000 $ 148,000
Montgomery, Texas 7 $ 2,065,000 $ 295,000 $ 198,000
Pierce, Washington 7 $ 3,005,000 $ 429,285 $ 233,000
Placer, California 6 $ 970,000 $ 161,666 $ 223,000
Lower Connecticut River Valley Planning Region, Connecticut 6 $ 720,000 $ 120,000 $ 138,000
Duval, Florida 6 $ 2,600,000 $ 433,333 $ 199,000
McHenry, Illinois 6 $ 1,560,000 $ 260,000 $ 219,000
Anne Arundel, Maryland 6 $ 1,920,000 $ 320,000 $ 158,000
Baltimore City, Maryland 6 $ 400,000 $ 66,666 $ 128,000
Prince George's, Maryland 6 $ 1,690,000 $ 281,666 $ 268,000
Berkshire, Massachusetts 6 $ 570,000 $ 95,000 $ 121,000
Ingham, Michigan 6 $ 1,060,000 $ 176,666 $ 169,000
Erie, New York 6 $ 1,140,000 $ 190,000 $ 151,000
Oklahoma, Oklahoma 6 $ 1,810,000 $ 301,666 $ 155,000
Northampton, Pennsylvania 6 $ 2,690,000 $ 448,333 $ 198,000
Horry, South Carolina 6 $ 1,140,000 $ 190,000 $ 121,000
Lancaster, South Carolina 6 $ 1,810,000 $ 301,666 $ 148,000
Davidson, Tennessee 6 $ 1,220,000 $ 203,333 $ 124,000
Brazoria, Texas 6 $ 1,270,000 $ 211,666 $ 123,000
Waller, Texas 6 $ 2,940,000 $ 490,000 $ 271,000
Chesterfield, Virginia 6 $ 2,900,000 $ 483,333 $ 238,000
James City, Virginia 6 $ 1,250,000 $ 208,333 $ 181,000
San Francisco, California 5 $ 1,425,000 $ 285,000 $ 317,000
Adams, Colorado 5 $ 945,000 $ 189,000 $ 150,000
Arapahoe, Colorado 5 $ 805,000 $ 161,000 $ 196,000
Larimer, Colorado 5 $ 1,965,000 $ 393,000 $ 225,000
Greater Bridgeport Planning Region, Connecticut 5 $ 1,825,000 $ 365,000 $ 211,000
Brevard, Florida 5 $ 575,000 $ 115,000 $ 162,000
Pinellas, Florida 5 $ 785,000 $ 157,000 $ 111,000
Volusia, Florida 5 $ 3,465,000 $ 693,000 $ 330,000
Kennebec, Maine 5 $ 1,045,000 $ 209,000 $ 100,000
Oxford, Maine 5 $ 1,175,000 $ 235,000 $ 160,000
Clinton, Michigan 5 $ 1,525,000 $ 305,000 $ 113,000
Washtenaw, Michigan 5 $ 1,815,000 $ 363,000 $ 161,000
Wayne, Michigan 5 $ 745,000 $ 149,000 $ 140,000
Coos, New Hampshire 5 $ 595,000 $ 119,000 $ 160,000
Passaic, New Jersey 5 $ 1,775,000 $ 355,000 $ 169,000
Broome, New York 5 $ 685,000 $ 137,000 $ 103,000
Saratoga, New York 5 $ 1,515,000 $ 303,000 $ 141,000
Durham, North Carolina 5 $ 1,545,000 $ 309,000 $ 232,000
Butler, Ohio 5 $ 1,615,000 $ 323,000 $ 137,000
Union, Ohio 5 $ 935,000 $ 187,000 $ 182,000
Delaware, Pennsylvania 5 $ 2,345,000 $ 469,000 $ 338,000
Tioga, Pennsylvania 5 $ 355,000 $ 71,000 $ 101,000
Hays, Texas 5 $ 2,115,000 $ 423,000 $ 344,000
Salt Lake, Utah 5 $ 2,465,000 $ 493,000 $ 219,000
Prince William, Virginia 5 $ 2,245,000 $ 449,000 $ 201,000
Milwaukee, Wisconsin 5 $ 1,745,000 $ 349,000 $ 324,000
Fresno, California 4 $ 1,560,000 $ 390,000 $ 254,000
San Mateo, California 4 $ 2,690,000 $ 672,500 $ 300,000
Fremont, Colorado 4 $ 280,000 $ 70,000 $ 38,000
Jefferson, Colorado 4 $ 1,270,000 $ 317,500 $ 196,000
Southeastern Connecticut Planning Region, Connecticut 4 $ 1,090,000 $ 272,500 $ 139,000
Marion, Florida 4 $ 400,000 $ 100,000 $ 71,000
Polk, Florida 4 $ 770,000 $ 192,500 $ 90,000
St. Lucie, Florida 4 $ 430,000 $ 107,500 $ 124,000
Ada, Idaho 4 $ 990,000 $ 247,500 $ 117,000
Kendall, Illinois 4 $ 1,570,000 $ 392,500 $ 161,000
Peoria, Illinois 4 $ 580,000 $ 145,000 $ 148,000
Lake, Indiana 4 $ 1,260,000 $ 315,000 $ 114,000
Polk, Iowa 4 $ 450,000 $ 112,500 $ 129,000
Baltimore, Maryland 4 $ 1,290,000 $ 322,500 $ 135,000
Jefferson, Missouri 4 $ 1,650,000 $ 412,500 $ 150,000
Washoe, Nevada 4 $ 1,330,000 $ 332,500 $ 147,000
Atlantic, New Jersey 4 $ 660,000 $ 165,000 $ 137,000
Warren, New Jersey 4 $ 580,000 $ 145,000 $ 172,000
Rockland, New York 4 $ 1,110,000 $ 277,500 $ 179,000
Forsyth, North Carolina 4 $ 1,000,000 $ 250,000 $ 132,000
Orange, North Carolina 4 $ 1,340,000 $ 335,000 $ 212,000
Lorain, Ohio 4 $ 640,000 $ 160,000 $ 115,000
Montgomery, Ohio 4 $ 720,000 $ 180,000 $ 149,000
Wood, Ohio 4 $ 1,680,000 $ 420,000 $ 162,000
Multnomah, Oregon 4 $ 1,850,000 $ 462,500 $ 159,000
Washington, Rhode Island 4 $ 580,000 $ 145,000 $ 260,000
Lexington, South Carolina 4 $ 650,000 $ 162,500 $ 114,000
Knox, Tennessee 4 $ 1,810,000 $ 452,500 $ 233,000
Yavapai, Arizona 3 $ 145,000 $ 48,333 $ 331,000
Cross, Arkansas 3 $ 355,000 $ 118,333 $ 72,000
Kern, California 3 $ 715,000 $ 238,333 $ 257,000
Napa, California 3 $ 455,000 $ 151,666 $ 232,000
Weld, Colorado 3 $ 535,000 $ 178,333 $ 185,000
District of Columbia, District Of Columbia 3 $ 445,000 $ 148,333 $ 140,000
Hernando, Florida 3 $ 265,000 $ 88,333 $ 68,000
Indian River, Florida 3 $ 175,000 $ 58,333 $ 86,000
Leon, Florida 3 $ 535,000 $ 178,333 $ 163,000
Manatee, Florida 3 $ 535,000 $ 178,333 $ 111,000
Osceola, Florida 3 $ 945,000 $ 315,000 $ 252,000
Clayton, Georgia 3 $ 165,000 $ 55,000 $ 209,000
Douglas, Georgia 3 $ 155,000 $ 51,666 $ 101,000
Jackson, Georgia 3 $ 865,000 $ 288,333 $ 243,000
Bartholomew, Indiana 3 $ 775,000 $ 258,333 $ 152,000
Boone, Indiana 3 $ 695,000 $ 231,666 $ 104,000
Boone, Kentucky 3 $ 735,000 $ 245,000 $ 218,000
Androscoggin, Maine 3 $ 785,000 $ 261,666 $ 177,000
Washington, Maine 3 $ 1,065,000 $ 355,000 $ 170,000
Scott, Minnesota 3 $ 485,000 $ 161,666 $ 200,000
Washington, Minnesota 3 $ 925,000 $ 308,333 $ 173,000
Rankin, Mississippi 3 $ 995,000 $ 331,666 $ 98,000
Sussex, New Jersey 3 $ 445,000 $ 148,333 $ 304,000
Onondaga, New York 3 $ 875,000 $ 291,666 $ 273,000
Richmond, New York 3 $ 605,000 $ 201,666 $ 56,000
Johnston, North Carolina 3 $ 785,000 $ 261,666 $ 218,000
Summit, Ohio 3 $ 945,000 $ 315,000 $ 154,000
Lackawanna, Pennsylvania 3 $ 885,000 $ 295,000 $ 211,000
Lehigh, Pennsylvania 3 $ 1,175,000 $ 391,666 $ 138,000
Charleston, South Carolina 3 $ 465,000 $ 155,000 $ 87,000
Spartanburg, South Carolina 3 $ 385,000 $ 128,333 $ 99,000
Brazos, Texas 3 $ 765,000 $ 255,000 $ 196,000
Bennington, Vermont 3 $ 375,000 $ 125,000 $ 114,000
Windham, Vermont 3 $ 565,000 $ 188,333 $ 121,000
Jefferson, Alabama 2 $ 340,000 $ 170,000 $ 118,000
Pulaski, Arkansas 2 $ 360,000 $ 180,000 $ 270,000
Butte, California 2 $ 290,000 $ 145,000 $ 178,000
El Dorado, California 2 $ 780,000 $ 390,000 $ 223,000
Marin, California 2 $ 170,000 $ 85,000 $ 479,000
Solano, California 2 $ 760,000 $ 380,000 $ 236,000
Broomfield, Colorado 2 $ 240,000 $ 120,000 $ 177,000
Denver, Colorado 2 $ 400,000 $ 200,000 $ 120,000
Sussex, Delaware 2 $ 630,000 $ 315,000 $ 106,000
Bay, Florida 2 $ 90,000 $ 45,000 $ 136,000
Charlotte, Florida 2 $ 260,000 $ 130,000 $ 58,000
Citrus, Florida 2 $ 100,000 $ 50,000 $ 49,000
Lee, Florida 2 $ 170,000 $ 85,000 $ 127,000
Barrow, Georgia 2 $ 90,000 $ 45,000 $ 59,000
Bulloch, Georgia 2 $ 640,000 $ 320,000 $ 108,000
Coweta, Georgia 2 $ 230,000 $ 115,000 $ 151,000
Houston, Georgia 2 $ 290,000 $ 145,000 $ 231,000
Lee, Georgia 2 $ 430,000 $ 215,000 $ 126,000
Muscogee, Georgia 2 $ 340,000 $ 170,000 $ 320,000
Paulding, Georgia 2 $ 830,000 $ 415,000 $ 133,000
Champaign, Illinois 2 $ 630,000 $ 315,000 $ 670,000
Hendricks, Indiana 2 $ 490,000 $ 245,000 $ 192,000
St. Joseph, Indiana 2 $ 590,000 $ 295,000 $ 159,000
Tippecanoe, Indiana 2 $ 360,000 $ 180,000 $ 190,000
Warrick, Indiana 2 $ 540,000 $ 270,000 $ 93,000
Johnson, Iowa 2 $ 390,000 $ 195,000 $ 128,000
Fayette, Kentucky 2 $ 480,000 $ 240,000 $ 165,000
East Baton Rouge, Louisiana 2 $ 560,000 $ 280,000 $ 153,000
Aroostook, Maine 2 $ 130,000 $ 65,000 $ 97,000
Hancock, Maine 2 $ 160,000 $ 80,000 $ 68,000
Knox, Maine 2 $ 250,000 $ 125,000 $ 89,000
Harford, Maryland 2 $ 90,000 $ 45,000 $ 99,000
Worcester, Maryland 2 $ 550,000 $ 275,000 $ 382,000
Nantucket, Massachusetts 2 $ 830,000 $ 415,000 $ 1,752,000
Berrien, Michigan 2 $ 300,000 $ 150,000 $ 71,000
Kent, Michigan 2 $ 210,000 $ 105,000 $ 165,000
Carver, Minnesota 2 $ 510,000 $ 255,000 $ 174,000
Jackson, Missouri 2 $ 380,000 $ 190,000 $ 155,000
Platte, Missouri 2 $ 260,000 $ 130,000 $ 275,000
St. Louis City, Missouri 2 $ 400,000 $ 200,000 $ 240,000
Park, Montana 2 $ 310,000 $ 155,000 $ 169,000
Grafton, New Hampshire 2 $ 210,000 $ 105,000 $ 104,000
Sullivan, New Hampshire 2 $ 340,000 $ 170,000 $ 79,000
Ocean, New Jersey 2 $ 530,000 $ 265,000 $ 106,000
Albany, New York 2 $ 300,000 $ 150,000 $ 156,000
Bronx, New York 2 $ 770,000 $ 385,000 $ 144,000
Monroe, New York 2 $ 330,000 $ 165,000 $ 168,000
Ulster, New York 2 $ 590,000 $ 295,000 $ 593,000
Belmont, Ohio 2 $ 160,000 $ 80,000 $ 139,000
Hamilton, Ohio 2 $ 520,000 $ 260,000 $ 117,000
Polk, Oregon 2 $ 90,000 $ 45,000 $ 194,000
Butler, Pennsylvania 2 $ 1,010,000 $ 505,000 $ 118,000
Monroe, Pennsylvania 2 $ 740,000 $ 370,000 $ 287,000
Berkeley, South Carolina 2 $ 680,000 $ 340,000 $ 111,000
Florence, South Carolina 2 $ 140,000 $ 70,000 $ 189,000
Richland, South Carolina 2 $ 400,000 $ 200,000 $ 164,000
Cocke, Tennessee 2 $ 180,000 $ 90,000 $ 250,000
Rutherford, Tennessee 2 $ 1,000,000 $ 500,000 $ 155,000
Bexar, Texas 2 $ 170,000 $ 85,000 $ 281,000
Midland, Texas 2 $ 560,000 $ 280,000 $ 115,000
Parker, Texas 2 $ 1,330,000 $ 665,000 $ 135,000
Essex, Vermont 2 $ 170,000 $ 85,000 $ 170,000
Lamoille, Vermont 2 $ 910,000 $ 455,000 $ 355,000
Washington, Vermont 2 $ 570,000 $ 285,000 $ 128,000
Windsor, Vermont 2 $ 90,000 $ 45,000 $ 351,000
Chesapeake, Virginia 2 $ 820,000 $ 410,000 $ 131,000
Fauquier, Virginia 2 $ 740,000 $ 370,000 $ 236,000
Suffolk, Virginia 2 $ 730,000 $ 365,000 $ 129,000
Virginia Beach, Virginia 2 $ 760,000 $ 380,000 $ 138,000
Clark, Washington 2 $ 660,000 $ 330,000 $ 272,000
Klickitat, Washington 2 $ 310,000 $ 155,000 $ 160,000
Skagit, Washington 2 $ 450,000 $ 225,000 $ 483,000
Thurston, Washington 2 $ 600,000 $ 300,000 $ 79,000
Natrona, Wyoming 2 $ 490,000 $ 245,000 $ 120,000
Clay, Alabama 1 $ 125,000 $ 125,000 $ 212,000
Covington, Alabama 1 $ 35,000 $ 35,000 $ 121,000
Houston, Alabama 1 $ 155,000 $ 155,000 $ 270,000
Lee, Alabama 1 $ 85,000 $ 85,000 $ 145,000
Madison, Alabama 1 $ 35,000 $ 35,000 $ 86,000
Montgomery, Alabama 1 $ 255,000 $ 255,000 $ 101,000
Tuscaloosa, Alabama 1 $ 505,000 $ 505,000 $ 233,000
Pinal, Arizona 1 $ 45,000 $ 45,000 $ 82,000
Baxter, Arkansas 1 $ 255,000 $ 255,000 $ 214,000
Faulkner, Arkansas 1 $ 295,000 $ 295,000 $ 186,000
Sebastian, Arkansas 1 $ 85,000 $ 85,000 $ 0
San Luis Obispo, California 1 $ 1,315,000 $ 1,315,000 $ 986,000
Santa Barbara, California 1 $ 1,145,000 $ 1,145,000 $ 271,000
Sonoma, California 1 $ 105,000 $ 105,000 $ 176,000
Stanislaus, California 1 $ 65,000 $ 65,000 $ 255,000
Yuba, California 1 $ 435,000 $ 435,000 $ 133,000
Eagle, Colorado 1 $ 715,000 $ 715,000 $ 291,000
Lake, Colorado 1 $ 295,000 $ 295,000 $ 183,000
Montrose, Colorado 1 $ 505,000 $ 505,000 $ 171,000
Summit, Colorado 1 $ 405,000 $ 405,000 $ 130,000
Northwest Hills Planning Region, Connecticut 1 $ 75,000 $ 75,000 $ 111,000
Alachua, Florida 1 $ 135,000 $ 135,000 $ 320,000
Martin, Florida 1 $ 425,000 $ 425,000 $ 490,000
Okaloosa, Florida 1 $ 685,000 $ 685,000 $ 423,000
Sumter, Florida 1 $ 305,000 $ 305,000 $ 297,000
Bibb, Georgia 1 $ 175,000 $ 175,000 $ 88,000
Carroll, Georgia 1 $ 155,000 $ 155,000 $ 90,000
Clarke, Georgia 1 $ 195,000 $ 195,000 $ 112,000
Coffee, Georgia 1 $ 35,000 $ 35,000 $ 0
Dawson, Georgia 1 $ 365,000 $ 365,000 $ 128,000
Newton, Georgia 1 $ 105,000 $ 105,000 $ 0
Spalding, Georgia 1 $ 215,000 $ 215,000 $ 81,000
DeKalb, Illinois 1 $ 225,000 $ 225,000 $ 108,000
Kankakee, Illinois 1 $ 405,000 $ 405,000 $ 135,000
Madison, Illinois 1 $ 235,000 $ 235,000 $ 470,000
St. Clair, Illinois 1 $ 55,000 $ 55,000 $ 127,000
Winnebago, Illinois 1 $ 85,000 $ 85,000 $ 48,000
Adams, Indiana 1 $ 115,000 $ 115,000 $ 87,000
Allen, Indiana 1 $ 245,000 $ 245,000 $ 86,000
Madison, Indiana 1 $ 35,000 $ 35,000 $ 54,000
Marion, Indiana 1 $ 35,000 $ 35,000 $ 65,000
Ohio, Indiana 1 $ 415,000 $ 415,000 $ 156,000
Vanderburgh, Indiana 1 $ 295,000 $ 295,000 $ 255,000
Warren, Indiana 1 $ 55,000 $ 55,000 $ 85,000
Dallas, Iowa 1 $ 125,000 $ 125,000 $ 43,000
Linn, Iowa 1 $ 175,000 $ 175,000 $ 102,000
Scott, Iowa 1 $ 565,000 $ 565,000 $ 215,000
Butler, Kansas 1 $ 35,000 $ 35,000 $ 155,000
Douglas, Kansas 1 $ 165,000 $ 165,000 $ 135,000
Saline, Kansas 1 $ 215,000 $ 215,000 $ 140,000
Sedgwick, Kansas 1 $ 205,000 $ 205,000 $ 80,000
Elliott, Kentucky 1 $ 65,000 $ 65,000 $ 54,000
Franklin, Kentucky 1 $ 205,000 $ 205,000 $ 136,000
Hancock, Kentucky 1 $ 55,000 $ 55,000 $ 120,000
Henderson, Kentucky 1 $ 75,000 $ 75,000 $ 137,000
Oldham, Kentucky 1 $ 365,000 $ 365,000 $ 153,000
Shelby, Kentucky 1 $ 55,000 $ 55,000 $ 171,000
Warren, Kentucky 1 $ 35,000 $ 35,000 $ 31,000
Caddo, Louisiana 1 $ 85,000 $ 85,000 $ 248,000
Jefferson, Louisiana 1 $ 85,000 $ 85,000 $ 0
Ouachita, Louisiana 1 $ 245,000 $ 245,000 $ 102,000
Plaquemines, Louisiana 1 $ 395,000 $ 395,000 $ 133,000
Franklin, Maine 1 $ 155,000 $ 155,000 $ 164,000
Piscataquis, Maine 1 $ 155,000 $ 155,000 $ 53,000
Sagadahoc, Maine 1 $ 425,000 $ 425,000 $ 151,000
Somerset, Maine 1 $ 305,000 $ 305,000 $ 339,000
Waldo, Maine 1 $ 45,000 $ 45,000 $ 0
Cecil, Maryland 1 $ 755,000 $ 755,000 $ 247,000
Washington, Maryland 1 $ 55,000 $ 55,000 $ 141,000
Dukes, Massachusetts 1 $ 105,000 $ 105,000 $ 100,000
Barry, Michigan 1 $ 125,000 $ 125,000 $ 98,000
Genesee, Michigan 1 $ 195,000 $ 195,000 $ 124,000
Houghton, Michigan 1 $ 105,000 $ 105,000 $ 98,000
Lenawee, Michigan 1 $ 35,000 $ 35,000 $ 0
Midland, Michigan 1 $ 125,000 $ 125,000 $ 217,000
Anoka, Minnesota 1 $ 75,000 $ 75,000 $ 185,000
Meeker, Minnesota 1 $ 75,000 $ 75,000 $ 75,000
Ramsey, Minnesota 1 $ 215,000 $ 215,000 $ 162,000
Claiborne, Mississippi 1 $ 105,000 $ 105,000 $ 63,000
Hinds, Mississippi 1 $ 65,000 $ 65,000 $ 51,000
Lauderdale, Mississippi 1 $ 85,000 $ 85,000 $ 100,000
Lee, Mississippi 1 $ 85,000 $ 85,000 $ 58,000
Madison, Mississippi 1 $ 215,000 $ 215,000 $ 182,000
Callaway, Missouri 1 $ 345,000 $ 345,000 $ 182,000
Christian, Missouri 1 $ 335,000 $ 335,000 $ 132,000
Phelps, Missouri 1 $ 325,000 $ 325,000 $ 97,000
Taney, Missouri 1 $ 215,000 $ 215,000 $ 106,000
Missoula, Montana 1 $ 565,000 $ 565,000 $ 161,000
Madison, Nebraska 1 $ 325,000 $ 325,000 $ 154,000
Bernalillo, New Mexico 1 $ 155,000 $ 155,000 $ 0
Dona Ana, New Mexico 1 $ 445,000 $ 445,000 $ 302,000
Los Alamos, New Mexico 1 $ 135,000 $ 135,000 $ 157,000
Clinton, New York 1 $ 105,000 $ 105,000 $ 175,000
Cortland, New York 1 $ 135,000 $ 135,000 $ 91,000
Dutchess, New York 1 $ 35,000 $ 35,000 $ 137,000
Greene, New York 1 $ 195,000 $ 195,000 $ 77,000
New York, New York 1 $ 305,000 $ 305,000 $ 744,000
Orange, New York 1 $ 115,000 $ 115,000 $ 77,000
Oswego, New York 1 $ 425,000 $ 425,000 $ 199,000
Putnam, New York 1 $ 55,000 $ 55,000 $ 60,000
Schenectady, New York 1 $ 35,000 $ 35,000 $ 136,000
Schoharie, New York 1 $ 205,000 $ 205,000 $ 150,000
St. Lawrence, New York 1 $ 205,000 $ 205,000 $ 169,000
Steuben, New York 1 $ 135,000 $ 135,000 $ 89,000
Wayne, New York 1 $ 35,000 $ 35,000 $ 121,000
Alamance, North Carolina 1 $ 315,000 $ 315,000 $ 105,000
Brunswick, North Carolina 1 $ 75,000 $ 75,000 $ 42,000
Buncombe, North Carolina 1 $ 385,000 $ 385,000 $ 167,000
Craven, North Carolina 1 $ 205,000 $ 205,000 $ 109,000
Cumberland, North Carolina 1 $ 255,000 $ 255,000 $ 36,000
Currituck, North Carolina 1 $ 55,000 $ 55,000 $ 103,000
Franklin, North Carolina 1 $ 85,000 $ 85,000 $ 110,000
Nash, North Carolina 1 $ 295,000 $ 295,000 $ 122,000
New Hanover, North Carolina 1 $ 345,000 $ 345,000 $ 84,000
Polk, North Carolina 1 $ 465,000 $ 465,000 $ 170,000
Randolph, North Carolina 1 $ 215,000 $ 215,000 $ 125,000
Rowan, North Carolina 1 $ 415,000 $ 415,000 $ 92,000
Vance, North Carolina 1 $ 185,000 $ 185,000 $ 68,000
Wilson, North Carolina 1 $ 165,000 $ 165,000 $ 59,000
Yancey, North Carolina 1 $ 175,000 $ 175,000 $ 174,000
Fairfield, Ohio 1 $ 35,000 $ 35,000 $ 101,000
Jefferson, Ohio 1 $ 55,000 $ 55,000 $ 114,000
Lucas, Ohio 1 $ 115,000 $ 115,000 $ 50,000
Perry, Ohio 1 $ 75,000 $ 75,000 $ 110,000
Sandusky, Ohio 1 $ 55,000 $ 55,000 $ 122,000
Stark, Ohio 1 $ 385,000 $ 385,000 $ 108,000
Trumbull, Ohio 1 $ 225,000 $ 225,000 $ 66,000
Cleveland, Oklahoma 1 $ 145,000 $ 145,000 $ 135,000
Rogers, Oklahoma 1 $ 265,000 $ 265,000 $ 170,000
Tulsa, Oklahoma 1 $ 35,000 $ 35,000 $ 121,000
Lane, Oregon 1 $ 45,000 $ 45,000 $ 34,000
Wasco, Oregon 1 $ 335,000 $ 335,000 $ 139,000
Berks, Pennsylvania 1 $ 215,000 $ 215,000 $ 263,000
Erie, Pennsylvania 1 $ 425,000 $ 425,000 $ 180,000
Fayette, Pennsylvania 1 $ 55,000 $ 55,000 $ 81,000
Lebanon, Pennsylvania 1 $ 755,000 $ 755,000 $ 856,000
Luzerne, Pennsylvania 1 $ 65,000 $ 65,000 $ 230,000
Northumberland, Pennsylvania 1 $ 85,000 $ 85,000 $ 58,000
Union, Pennsylvania 1 $ 345,000 $ 345,000 $ 154,000
Washington, Pennsylvania 1 $ 395,000 $ 395,000 $ 179,000
York, Pennsylvania 1 $ 215,000 $ 215,000 $ 170,000
Newport, Rhode Island 1 $ 405,000 $ 405,000 $ 164,000
Aiken, South Carolina 1 $ 285,000 $ 285,000 $ 119,000
Beaufort, South Carolina 1 $ 495,000 $ 495,000 $ 136,000
Dorchester, South Carolina 1 $ 115,000 $ 115,000 $ 60,000
Kershaw, South Carolina 1 $ 145,000 $ 145,000 $ 39,000
Laurens, South Carolina 1 $ 35,000 $ 35,000 $ 94,000
Pickens, South Carolina 1 $ 55,000 $ 55,000 $ 71,000
Blount, Tennessee 1 $ 395,000 $ 395,000 $ 180,000
Bradley, Tennessee 1 $ 55,000 $ 55,000 $ 163,000
Hamblen, Tennessee 1 $ 155,000 $ 155,000 $ 100,000
Hamilton, Tennessee 1 $ 55,000 $ 55,000 $ 303,000
Marshall, Tennessee 1 $ 35,000 $ 35,000 $ 225,000
Putnam, Tennessee 1 $ 35,000 $ 35,000 $ 132,000
Roane, Tennessee 1 $ 205,000 $ 205,000 $ 70,000
Robertson, Tennessee 1 $ 325,000 $ 325,000 $ 253,000
Sumner, Tennessee 1 $ 235,000 $ 235,000 $ 164,000
Washington, Tennessee 1 $ 325,000 $ 325,000 $ 96,000
Anderson, Texas 1 $ 65,000 $ 65,000 $ 74,000
Chambers, Texas 1 $ 75,000 $ 75,000 $ 58,000
Comal, Texas 1 $ 715,000 $ 715,000 $ 215,000
El Paso, Texas 1 $ 355,000 $ 355,000 $ 185,000
Galveston, Texas 1 $ 445,000 $ 445,000 $ 160,000
Johnson, Texas 1 $ 205,000 $ 205,000 $ 129,000
Kaufman, Texas 1 $ 485,000 $ 485,000 $ 215,000
Lamar, Texas 1 $ 285,000 $ 285,000 $ 348,000
Llano, Texas 1 $ 655,000 $ 655,000 $ 560,000
Lubbock, Texas 1 $ 745,000 $ 745,000 $ 356,000
McLennan, Texas 1 $ 685,000 $ 685,000 $ 396,000
Orange, Texas 1 $ 65,000 $ 65,000 $ 150,000
Rockwall, Texas 1 $ 485,000 $ 485,000 $ 178,000
Rusk, Texas 1 $ 125,000 $ 125,000 $ 62,000
Davis, Utah 1 $ 205,000 $ 205,000 $ 86,000
Addison, Vermont 1 $ 755,000 $ 755,000 $ 587,000
Caledonia, Vermont 1 $ 235,000 $ 235,000 $ 79,000
Orange, Vermont 1 $ 35,000 $ 35,000 $ 33,000
Alexandria, Virginia 1 $ 115,000 $ 115,000 $ 195,000
Appomattox, Virginia 1 $ 55,000 $ 55,000 $ 78,000
Arlington, Virginia 1 $ 715,000 $ 715,000 $ 200,000
Bedford, Virginia 1 $ 315,000 $ 315,000 $ 357,000
Page:

Mortgage Loan Application Detail Totals for Digital Federal Credit Union in 2025

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 2,315 $1,118,775,000 $483,000 $16,375,000 $208,000 $5,004,000
Home Improvement 2,257 $306,245,000 $135,000 $1,505,000 $170,000 $1,960,000
Other Purpose 1,539 $191,995,000 $124,000 $755,000 $160,000 $3,420,000
Cash-out Refinancing 1,430 $354,390,000 $247,000 $2,055,000 $181,000 $2,828,000
Refinancing 748 $472,930,000 $632,000 $20,005,000 $217,000 $1,104,000
Not Applicable 26 $4,790,000 $184,000 $505,000 $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 3,461 $733,175,000 $211,000 $2,055,000 $171,000 $3,420,000
Asian 2,777 $1,088,245,000 $391,000 $2,005,000 $213,000 $5,004,000
Not Provided 806 $244,300,000 $303,000 $1,705,000 $196,000 $1,109,000
Hispanic 719 $121,975,000 $169,000 $1,305,000 $135,000 $850,000
Black or African American 444 $89,610,000 $201,000 $1,125,000 $173,000 $4,920,000
Not applicable 72 $163,660,000 $2,273,000 $20,005,000 $0 $0
American Indian or Alaskan Native 25 $5,525,000 $221,000 $1,035,000 $207,000 $744,000
Native Hawaiian or Other Pacific Islander 11 $2,635,000 $239,000 $495,000 $298,000 $1,960,000

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) 8,315 $2,449,125,000 $294,000 $20,005,000 $185,000 $5,004,000
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 3,877 $1,018,965,000 $262,000 $20,005,000 $180,000 $1,140,000
Application Denied By Financial Institution 1,687 $373,355,000 $221,000 $2,055,000 $147,000 $3,420,000
File Closed For Incompleteness 1,637 $632,685,000 $386,000 $2,005,000 $216,000 $4,920,000
Application Withdrawn By Applicant 1,011 $388,785,000 $384,000 $6,005,000 $216,000 $5,004,000
Application Approved But Not Accepted 77 $30,545,000 $396,000 $1,955,000 $180,000 $549,000
Loan Purchased By The Institution 26 $4,790,000 $184,000 $505,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $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 6,628 $2,075,770,000 $313,000 $20,005,000 $195,000 $5,004,000
Debt-To-Income Ratio 763 $183,995,000 $241,000 $2,005,000 $100,000 $595,000
Credit History 439 $67,805,000 $154,000 $1,845,000 $181,000 $3,420,000
Collateral 241 $62,845,000 $260,000 $2,055,000 $199,000 $1,000,000
Other 175 $37,125,000 $212,000 $1,425,000 $182,000 $1,612,000
Unverifiable Information 37 $11,425,000 $308,000 $1,095,000 $189,000 $485,000
Employment History 14 $3,070,000 $219,000 $805,000 $93,000 $265,000
Insufficient Cash (Downpayment, Closing Cost) 14 $5,270,000 $376,000 $1,785,000 $222,000 $1,360,000
Credit Application Incomplete 4 $1,820,000 $455,000 $615,000 $234,000 $365,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Digital Federal Credit Union's 2025 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.

Download the Massachusetts Lender List