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D
DIGITAL
Credit Union|Marlborough, MA|Near-National
Loans Originated
861
Applications
4,192
Volume
$414 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
-0.096%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$866
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
20.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 9.60 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
DIGITAL performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 17 metro areas · 38 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$481,458
Average Borrower Income
$199,110
Average Property Value
$653,722
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Exceptional | Acceptable | 762 | 88.5% | -0.081% | $954 |
Jumbo Loans | Sound | Strong | Exceptional | Acceptable | 99 | 11.5% | -0.225% | $153 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Exceptional | Acceptable | 694 | 80.6% | -0.070% | $926 |
Refinance | Sound | Strong | Strong | Acceptable | 167 | 19.4% | -0.206% | $614 |
Geographic Coverage
Metro Areas
16
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDEFLGAILINKSMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPARISCTNTXVAVTWAWI
Top Metro Areas by Place Specialization Score
1
Worcester, MA, MAMSA
Volume: 113Mix: 13.12%
Place Specialization
Exceptional
2
Manchester, NHMSA
Volume: 60Mix: 6.97%
Place Specialization
Strong
3
Cambridge, MAMSA
Volume: 129Mix: 14.98%
Place Specialization
Strong
4
Rockingham County, NHMSA
Volume: 26Mix: 3.02%
Place Specialization
Sound
5
Boston, MA, MAMSA
Volume: 32Mix: 3.72%
Place Specialization
Sound
6
Providence, RI-MAMSA
Volume: 19Mix: 2.21%
Place Specialization
Sound
7
Raleigh, NCMSA
Volume: 20Mix: 2.32%
Place Specialization
Sound
8
Dallas, TXMSA
Volume: 26Mix: 3.02%
Place Specialization
Sound
9
Lakewood, NJMSA
Volume: 20Mix: 2.32%
Place Specialization
Sound
10
Atlanta, GAMSA
Volume: 20Mix: 2.32%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
MAState
Volume: 299Mix: 34.73%
Place Specialization
Strong
2
NHState
Volume: 112Mix: 13.01%
Place Specialization
Strong
3
NJState
Volume: 52Mix: 6.04%
Place Specialization
Sound
4
TXState
Volume: 50Mix: 5.81%
Place Specialization
Sound
5
GAState
Volume: 33Mix: 3.83%
Place Specialization
Sound
6
CAState
Volume: 41Mix: 4.76%
Place Specialization
Sound
7
NCState
Volume: 32Mix: 3.72%
Place Specialization
Sound
8
CTState
Volume: 16Mix: 1.86%
Place Specialization
Sound
9
FLState
Volume: 28Mix: 3.25%
Place Specialization
Sound
10
PAState
Volume: 19Mix: 2.21%
Place Specialization
Sound
Showing 10 of 16 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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