# DIGITAL

> **Canonical URL:** https://saferate.com/lenders/digital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DIGITAL is a credit union, headquartered in Marlborough, MA, serving borrowers across 38 states, with 861 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300JPGMCMBEJEK584
- **Headquarters:** Marlborough, MA
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.096%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $866
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 861
- **Dollar Volume:** $415 million
- **Applications Received:** 4,192
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $481,458
- **Average Borrower Income:** $199,110
- **Average Property Value:** $653,722

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 762 | -0.081% | $954 | Strong 😀 |
| Jumbo | 76/100 | 99 | -0.225% | $153 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 613 loans, Score: 64/100 (Strong)
- Refinance: 149 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 81 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 694 | $334M | -0.070% | Strong 😀 |
| Refinance | 65/100 | 167 | $81M | -0.206% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 299 | 0.50% | 77/100 |
| NH | 112 | 0.72% | 73/100 |
| NJ | 52 | 0.06% | 57/100 |
| TX | 50 | 0.01% | 50/100 |
| CA | 41 | 0.01% | 48/100 |
| GA | 33 | 0.02% | 49/100 |
| NC | 32 | 0.02% | 48/100 |
| FL | 28 | 0.01% | 43/100 |
| PA | 19 | 0.02% | 43/100 |
| CT | 16 | 0.05% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 129 | 73/100 |
| Worcester, MA | MA | 113 | 82/100 |
| Manchester | NH | 60 | 73/100 |
| Non |  | 49 | 40/100 |
| Boston, MA | MA | 32 | 55/100 |
| Dallas | TX | 26 | 49/100 |
| Rockingham County | NH | 26 | 56/100 |
| Atlanta | GA | 20 | 46/100 |
| Lakewood | NJ | 20 | 48/100 |
| Raleigh | NC | 20 | 49/100 |
| Providence | RI-MA | 19 | 49/100 |
| Oakland | CA | 11 | 41/100 |
| Trenton | NJ | 11 | 44/100 |
| Charlotte | NC-SC | 10 | 39/100 |
| Newark, NJ | NJ | 10 | 40/100 |

## Where This Lender Ranks

DIGITAL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Worcester, MA Credit Unions
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Worcester, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Manchester for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Trenton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Trenton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Cambridge for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in New Hampshire for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Rockingham County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Manchester Credit Unions
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Rockingham County Credit Unions
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Massachusetts for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in Cambridge Credit Unions
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Cambridge for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in New Hampshire Credit Unions
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🏆 **#17** in Trenton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does DIGITAL offer?

DIGITAL offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DIGITAL offer mortgages?

DIGITAL offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI.

### How competitive are DIGITAL's mortgage rates?

DIGITAL has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.096% below market average.

### What type of lender is DIGITAL?

DIGITAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Marlborough, MA.

### What is DIGITAL's loan approval success rate?

DIGITAL has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/digital

### How to Cite

> "DIGITAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/digital

---

**[View Interactive Profile →](https://saferate.com/lenders/digital)**