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records Digital Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,630 | $ 403,030,000 | $ 247,257 | $ 178,000 |
| Worcester, MA-CT | 1,198 | $ 229,440,000 | $ 191,519 | $ 141,000 |
| Manchester-Nashua, NH | 730 | $ 135,140,000 | $ 185,123 | $ 151,000 |
| Boston, MA | 449 | $ 194,995,000 | $ 434,287 | $ 208,000 |
| Outside any metro area | 303 | $ 90,235,000 | $ 297,805 | $ 175,821 |
| Atlanta-Sandy Springs-Roswell, GA | 300 | $ 95,520,000 | $ 318,400 | $ 198,000 |
| Rockingham County-Strafford County, NH | 241 | $ 53,025,000 | $ 220,020 | $ 185,000 |
| Dallas-Plano-Irving, TX | 218 | $ 100,540,000 | $ 461,192 | $ 209,000 |
| Lakewood-New Brunswick, NJ | 216 | $ 78,920,000 | $ 365,370 | $ 215,000 |
| Providence-Warwick, RI-MA | 180 | $ 65,970,000 | $ 366,500 | $ 194,055 |
| Arlington-Alexandria-Reston, VA-WV | 105 | $ 41,165,000 | $ 392,047 | $ 240,000 |
| Charlotte-Concord-Gastonia, NC-SC | 95 | $ 35,845,000 | $ 377,315 | $ 196,578 |
| Raleigh, NC | 93 | $ 41,825,000 | $ 449,731 | $ 192,000 |
| Chicago-Naperville, IL | 88 | $ 25,520,000 | $ 290,000 | $ 184,000 |
| Oakland-Hayward-Berkeley, CA | 81 | $ 50,675,000 | $ 625,617 | $ 305,000 |
| Newark, NJ-PA | 76 | $ 38,420,000 | $ 505,526 | $ 243,000 |
| Phoenix-Mesa-Scottsdale, AZ | 74 | $ 29,550,000 | $ 399,324 | $ 190,000 |
| Austin-Round Rock, TX | 73 | $ 35,755,000 | $ 489,794 | $ 268,000 |
| New York-Jersey City-White Plains, NY-NJ | 68 | $ 23,690,000 | $ 348,382 | $ 222,411 |
| Houston-The Woodlands-Sugar Land, TX | 61 | $ 18,675,000 | $ 306,147 | $ 209,000 |
| St. Louis, MO-IL | 56 | $ 17,630,000 | $ 314,821 | $ 173,607 |
| Orlando-Kissimmee-Sanford, FL | 55 | $ 15,855,000 | $ 288,272 | $ 195,000 |
| Montgomery County-Bucks County-Chester County, PA | 54 | $ 17,830,000 | $ 330,185 | $ 222,000 |
| Tampa, FL | 52 | $ 16,500,000 | $ 317,307 | $ 184,000 |
| Barnstable Town, MA | 50 | $ 11,240,000 | $ 224,800 | $ 242,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 49 | $ 16,515,000 | $ 337,040 | $ 191,000 |
| Los Angeles-Long Beach-Glendale, CA | 48 | $ 18,340,000 | $ 382,083 | $ 255,000 |
| Everett, WA | 45 | $ 30,935,000 | $ 687,444 | $ 272,000 |
| Anaheim-Santa Ana-Irvine, CA | 43 | $ 22,385,000 | $ 520,581 | $ 262,000 |
| Seattle-Bellevue-Everett, WA | 43 | $ 27,275,000 | $ 634,302 | $ 298,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 41 | $ 13,495,000 | $ 329,146 | $ 166,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 41 | $ 26,415,000 | $ 644,268 | $ 322,000 |
| Columbus, OH | 40 | $ 10,040,000 | $ 251,000 | $ 161,000 |
| Denver-Aurora-Lakewood, CO | 38 | $ 9,640,000 | $ 253,684 | $ 212,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 37 | $ 14,275,000 | $ 385,810 | $ 197,000 |
| Marietta, GA | 35 | $ 13,745,000 | $ 392,714 | $ 202,000 |
| Portland-South Portland, ME | 35 | $ 10,055,000 | $ 287,285 | $ 203,000 |
| Springfield, MA | 35 | $ 5,785,000 | $ 165,285 | $ 122,000 |
| Baltimore-Columbia-Towson, MD | 34 | $ 7,210,000 | $ 212,058 | $ 196,000 |
| Nassau County-Suffolk County, NY | 33 | $ 10,255,000 | $ 310,757 | $ 213,000 |
| Stockton-Lodi, CA | 31 | $ 13,925,000 | $ 449,193 | $ 232,000 |
| Camden, NJ | 30 | $ 7,010,000 | $ 233,666 | $ 191,000 |
| Riverside-San Bernardino-Ontario, CA | 29 | $ 12,235,000 | $ 421,896 | $ 201,000 |
| Trenton, NJ | 29 | $ 12,825,000 | $ 442,241 | $ 245,000 |
| Wilmington, DE-MD-NJ | 28 | $ 11,690,000 | $ 417,500 | $ 184,321 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 7,185,000 | $ 266,111 | $ 152,000 |
| Indianapolis-Carmel-Anderson, IN | 26 | $ 5,510,000 | $ 211,923 | $ 169,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 26 | $ 7,530,000 | $ 289,615 | $ 222,000 |
| Warren-Troy-Farmington Hills, MI | 26 | $ 5,960,000 | $ 229,230 | $ 152,000 |
| Richmond, VA | 25 | $ 8,335,000 | $ 333,400 | $ 172,000 |
| Washington-Baltimore-Arlington, DC | 25 | $ 8,805,000 | $ 352,200 | $ 190,000 |
| Pittsburgh, PA | 24 | $ 6,170,000 | $ 257,083 | $ 173,000 |
| Cincinnati, OH-KY-IN | 23 | $ 6,805,000 | $ 295,869 | $ 188,869 |
| San Diego-Carlsbad, CA | 23 | $ 11,175,000 | $ 485,869 | $ 251,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 4,345,000 | $ 206,904 | $ 184,000 |
| Lake County-Kenosha County, IL-WI | 21 | $ 4,845,000 | $ 230,714 | $ 171,000 |
| Colorado Springs, CO | 20 | $ 2,920,000 | $ 146,000 | $ 139,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 20 | $ 10,600,000 | $ 530,000 | $ 215,300 |
| Bridgeport-Stamford-Norwalk, CT | 17 | $ 5,745,000 | $ 337,941 | $ 230,000 |
| Fort Worth-Arlington, TX | 17 | $ 8,705,000 | $ 512,058 | $ 246,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 6,065,000 | $ 356,764 | $ 177,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 4,100,000 | $ 256,250 | $ 164,875 |
| Louisville/Jefferson County, KY-IN | 15 | $ 3,605,000 | $ 240,333 | $ 168,000 |
| Jacksonville, FL | 14 | $ 6,620,000 | $ 472,857 | $ 222,000 |
| Kansas City, MO-KS | 14 | $ 2,920,000 | $ 208,571 | $ 187,142 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 4,445,000 | $ 341,923 | $ 176,153 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 3,445,000 | $ 265,000 | $ 148,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 7,295,000 | $ 561,153 | $ 293,000 |
| Cleveland, OH | 12 | $ 2,060,000 | $ 171,666 | $ 150,000 |
| Elgin, IL | 12 | $ 3,500,000 | $ 291,666 | $ 161,000 |
| Philadelphia, PA | 12 | $ 3,840,000 | $ 320,000 | $ 253,000 |
| Lansing-East Lansing, MI | 11 | $ 2,585,000 | $ 235,000 | $ 143,000 |
| Memphis, TN-MS-AR | 11 | $ 2,425,000 | $ 220,454 | $ 142,000 |
| Boulder, CO | 10 | $ 5,820,000 | $ 582,000 | $ 426,000 |
| Harrisburg-Carlisle, PA | 10 | $ 2,010,000 | $ 201,000 | $ 187,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 1,930,000 | $ 193,000 | $ 138,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 1,460,000 | $ 146,000 | $ 175,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 2,055,000 | $ 228,333 | $ 145,000 |
| Amherst Town-Northampton, MA | 9 | $ 3,765,000 | $ 418,333 | $ 92,000 |
| Bloomington, IL | 9 | $ 2,465,000 | $ 273,888 | $ 170,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,885,000 | $ 320,555 | $ 223,000 |
| Gainesville, GA | 9 | $ 2,395,000 | $ 266,111 | $ 151,000 |
| Greenville-Anderson-Mauldin, SC | 9 | $ 1,245,000 | $ 138,333 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 3,485,000 | $ 387,222 | $ 212,000 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 1,895,000 | $ 210,555 | $ 184,000 |
| San Francisco-Redwood City-South San Francisco, CA | 9 | $ 4,115,000 | $ 457,222 | $ 309,000 |
| Washington, DC-MD | 9 | $ 2,135,000 | $ 237,222 | $ 225,333 |
| Greensboro-High Point, NC | 8 | $ 2,420,000 | $ 302,500 | $ 178,000 |
| New Haven-Milford, CT | 8 | $ 1,470,000 | $ 183,750 | $ 141,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 1,560,000 | $ 195,000 | $ 180,000 |
| Columbia, SC | 7 | $ 1,195,000 | $ 170,714 | $ 117,000 |
| Oklahoma City, OK | 7 | $ 1,955,000 | $ 279,285 | $ 152,000 |
| Tacoma-Lakewood, WA | 7 | $ 3,005,000 | $ 429,285 | $ 233,000 |
| Tucson, AZ | 7 | $ 1,605,000 | $ 229,285 | $ 152,000 |
| Waterbury-Shelton, CT | 7 | $ 3,015,000 | $ 430,714 | $ 202,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 6 | $ 1,140,000 | $ 190,000 | $ 151,000 |
| Charleston-North Charleston, SC | 6 | $ 1,260,000 | $ 210,000 | $ 90,000 |
| Knoxville, TN | 6 | $ 2,410,000 | $ 401,666 | $ 197,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,140,000 | $ 190,000 | $ 121,000 |
| Pittsfield, MA | 6 | $ 570,000 | $ 95,000 | $ 121,000 |
| Ann Arbor, MI | 5 | $ 1,815,000 | $ 363,000 | $ 161,000 |
| Binghamton, NY | 5 | $ 685,000 | $ 137,000 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 3,465,000 | $ 693,000 | $ 330,000 |
| Des Moines-West Des Moines, IA | 5 | $ 575,000 | $ 115,000 | $ 111,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 745,000 | $ 149,000 | $ 140,000 |
| Fort Collins, CO | 5 | $ 1,965,000 | $ 393,000 | $ 225,000 |
| Jackson, MS | 5 | $ 1,275,000 | $ 255,000 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 575,000 | $ 115,000 | $ 162,000 |
| Port St. Lucie, FL | 5 | $ 855,000 | $ 171,000 | $ 197,000 |
| Salt Lake City, UT | 5 | $ 2,465,000 | $ 493,000 | $ 219,000 |
| St. Petersburg-Clearwater-Largo, FL | 5 | $ 785,000 | $ 157,000 | $ 111,000 |
| Toledo, OH | 5 | $ 1,795,000 | $ 359,000 | $ 139,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 660,000 | $ 165,000 | $ 137,000 |
| Boise City, ID | 4 | $ 990,000 | $ 247,500 | $ 117,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 720,000 | $ 180,000 | $ 149,000 |
| Fresno, CA | 4 | $ 1,560,000 | $ 390,000 | $ 254,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 1,260,000 | $ 315,000 | $ 114,000 |
| Lakeland-Winter Haven, FL | 4 | $ 770,000 | $ 192,500 | $ 90,000 |
| Norwich-New London, CT | 4 | $ 1,090,000 | $ 272,500 | $ 139,000 |
| Ocala, FL | 4 | $ 400,000 | $ 100,000 | $ 71,000 |
| Peoria, IL | 4 | $ 580,000 | $ 145,000 | $ 148,000 |
| Reno, NV | 4 | $ 1,330,000 | $ 332,500 | $ 147,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 950,000 | $ 237,500 | $ 215,000 |
| Syracuse, NY | 4 | $ 1,300,000 | $ 325,000 | $ 254,000 |
| Winston-Salem, NC | 4 | $ 1,000,000 | $ 250,000 | $ 132,000 |
| Akron, OH | 3 | $ 945,000 | $ 315,000 | $ 154,000 |
| Bakersfield, CA | 3 | $ 715,000 | $ 238,333 | $ 257,000 |
| College Station-Bryan, TX | 3 | $ 765,000 | $ 255,000 | $ 196,000 |
| Columbus, IN | 3 | $ 775,000 | $ 258,333 | $ 152,000 |
| Evansville, IN-KY | 3 | $ 835,000 | $ 278,333 | $ 147,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 335,000 | $ 111,666 | $ 143,000 |
| Greeley, CO | 3 | $ 535,000 | $ 178,333 | $ 185,000 |
| Lafayette-West Lafayette, IN | 3 | $ 415,000 | $ 138,333 | $ 155,000 |
| Lewiston-Auburn, ME | 3 | $ 785,000 | $ 261,666 | $ 177,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 655,000 | $ 218,333 | $ 242,000 |
| Napa, CA | 3 | $ 455,000 | $ 151,666 | $ 232,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 145,000 | $ 48,333 | $ 331,000 |
| Rochester, NY | 3 | $ 365,000 | $ 121,666 | $ 152,000 |
| San Antonio-New Braunfels, TX | 3 | $ 885,000 | $ 295,000 | $ 259,000 |
| Sebastian-Vero Beach, FL | 3 | $ 175,000 | $ 58,333 | $ 86,000 |
| Spartanburg, SC | 3 | $ 385,000 | $ 128,333 | $ 99,000 |
| Tallahassee, FL | 3 | $ 535,000 | $ 178,333 | $ 163,000 |
| Albany, GA | 2 | $ 430,000 | $ 215,000 | $ 126,000 |
| Baton Rouge, LA | 2 | $ 560,000 | $ 280,000 | $ 153,000 |
| Birmingham-Hoover, AL | 2 | $ 340,000 | $ 170,000 | $ 118,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 170,000 | $ 85,000 | $ 127,000 |
| Casper, WY | 2 | $ 490,000 | $ 245,000 | $ 120,000 |
| Champaign-Urbana, IL | 2 | $ 630,000 | $ 315,000 | $ 670,000 |
| Chico, CA | 2 | $ 290,000 | $ 145,000 | $ 178,000 |
| Columbus, GA-AL | 2 | $ 340,000 | $ 170,000 | $ 320,000 |
| Florence, SC | 2 | $ 140,000 | $ 70,000 | $ 189,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 250,000 | $ 125,000 | $ 270,500 |
| Homosassa Springs, FL | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Iowa City, IA | 2 | $ 390,000 | $ 195,000 | $ 128,000 |
| Kingston, NY | 2 | $ 590,000 | $ 295,000 | $ 593,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 150,000 | $ 75,000 | $ 107,000 |
| Lexington-Fayette, KY | 2 | $ 480,000 | $ 240,000 | $ 165,000 |
| Lynchburg, VA | 2 | $ 370,000 | $ 185,000 | $ 217,000 |
| Midland, TX | 2 | $ 560,000 | $ 280,000 | $ 115,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 450,000 | $ 225,000 | $ 483,000 |
| New Orleans-Metairie, LA | 2 | $ 480,000 | $ 240,000 | $ 66,000 |
| Niles-Benton Harbor, MI | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Olympia-Tumwater, WA | 2 | $ 600,000 | $ 300,000 | $ 79,000 |
| Panama City, FL | 2 | $ 90,000 | $ 45,000 | $ 136,000 |
| Punta Gorda, FL | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Roanoke, VA | 2 | $ 350,000 | $ 175,000 | $ 105,000 |
| Salem, OR | 2 | $ 90,000 | $ 45,000 | $ 194,000 |
| San Rafael, CA | 2 | $ 170,000 | $ 85,000 | $ 479,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 590,000 | $ 295,000 | $ 159,000 |
| Tulsa, OK | 2 | $ 300,000 | $ 150,000 | $ 145,000 |
| Vallejo-Fairfield, CA | 2 | $ 760,000 | $ 380,000 | $ 236,000 |
| Warner Robins, GA | 2 | $ 290,000 | $ 145,000 | $ 231,000 |
| Wheeling, WV-OH | 2 | $ 160,000 | $ 80,000 | $ 139,000 |
| Wichita, KS | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Wilmington, NC | 2 | $ 420,000 | $ 210,000 | $ 63,000 |
| Albuquerque, NM | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Asheville, NC | 1 | $ 385,000 | $ 385,000 | $ 167,000 |
| Athens-Clarke County, GA | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Auburn-Opelika, AL | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Beaumont-Port Arthur, TX | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Beckley, WV | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Bowling Green, KY | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Burlington, NC | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Canton-Massillon, OH | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Cedar Rapids, IA | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Chattanooga, TN-GA | 1 | $ 55,000 | $ 55,000 | $ 303,000 |
| Cleveland, TN | 1 | $ 55,000 | $ 55,000 | $ 163,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 685,000 | $ 685,000 | $ 423,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 565,000 | $ 565,000 | $ 215,000 |
| Dothan, AL | 1 | $ 155,000 | $ 155,000 | $ 270,000 |
| El Paso, TX | 1 | $ 355,000 | $ 355,000 | $ 185,000 |
| Erie, PA | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| Eugene, OR | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Fayetteville, NC | 1 | $ 255,000 | $ 255,000 | $ 36,000 |
| Flint, MI | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Fond Du Lac, WI | 1 | $ 355,000 | $ 355,000 | $ 339,000 |
| Fort Smith, AR-OK | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Gainesville, FL | 1 | $ 135,000 | $ 135,000 | $ 320,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 495,000 | $ 495,000 | $ 136,000 |
| Huntsville, AL | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Jefferson City, MO | 1 | $ 345,000 | $ 345,000 | $ 182,000 |
| Johnson City, TN | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Kankakee, IL | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Las Cruces, NM | 1 | $ 445,000 | $ 445,000 | $ 302,000 |
| Lawrence, KS | 1 | $ 165,000 | $ 165,000 | $ 135,000 |
| Lebanon, PA | 1 | $ 755,000 | $ 755,000 | $ 856,000 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Lubbock, TX | 1 | $ 745,000 | $ 745,000 | $ 356,000 |
| Macon-Bibb County, GA | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Madison, WI | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Midland, MI | 1 | $ 125,000 | $ 125,000 | $ 217,000 |
| Missoula, MT | 1 | $ 565,000 | $ 565,000 | $ 161,000 |
| Modesto, CA | 1 | $ 65,000 | $ 65,000 | $ 255,000 |
| Monroe, LA | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Montgomery, AL | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Morristown, TN | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Ogden-Clearfield, UT | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Parkersburg-Vienna, WV | 1 | $ 245,000 | $ 245,000 | $ 382,000 |
| Racine, WI | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Reading, PA | 1 | $ 215,000 | $ 215,000 | $ 263,000 |
| Rockford, IL | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Rocky Mount, NC | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,315,000 | $ 1,315,000 | $ 986,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 271,000 |
| Santa Rosa, CA | 1 | $ 105,000 | $ 105,000 | $ 176,000 |
| Shreveport-Bossier City, LA | 1 | $ 85,000 | $ 85,000 | $ 248,000 |
| Springfield, MO | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Tuscaloosa, AL | 1 | $ 505,000 | $ 505,000 | $ 233,000 |
| Waco, TX | 1 | $ 685,000 | $ 685,000 | $ 396,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Wildwood-The Villages, FL | 1 | $ 305,000 | $ 305,000 | $ 297,000 |
| Winchester, VA-WV | 1 | $ 555,000 | $ 555,000 | $ 325,000 |
| York-Hanover, PA | 1 | $ 215,000 | $ 215,000 | $ 170,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Yuba City, CA | 1 | $ 435,000 | $ 435,000 | $ 133,000 |
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.
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