What loan types does DIGITAL offer?

DIGITAL offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

How competitive are DIGITAL's mortgage rates?

DIGITAL has an overall pricing score of 84.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is DIGITAL?

DIGITAL is a Credit Union headquartered in Marlborough, MA.

Unclaimed

Digital

Q: 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.

Credit Union•Marlborough, MA•Direct to Consumer

We analyzed every closed loan from Digital — 861 loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

Near-National · 16 mkts

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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

Explore another lender or local market

Report Card

Digital performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader Rates 9.6 bps below market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National17 markets

Loan Product Performance

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%Below	$954Fees
Jumbo Loans	Sound	Strong	Exceptional	Acceptable	99	11.5%	-0.225%Below	$153Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Exceptional	Acceptable	694	80.6%	-0.070%Below	$926Fees
Refinance	Sound	Strong	Strong	Acceptable	167	19.4%	-0.206%Below	$614Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

861

Applications

4,192

Volume

$414 million

Pricing & Closing

Avg Rate Spread

-0.096%

vs. market APOR

Avg Net Fees

$866

Origination − Credits

Pullthrough Rate

20.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$481,458

Avg Borrower Income

$199,110

Avg Property Value

$653,722

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAILINKSMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPARISCTNTXVAVTWAWI

Top Metro Areas by Place Specialization Score

Worcester, MA, MAMSA

Volume: 113Mix: 13.12%of portfolio

Place

Exceptional

Manchester, NHMSA

Volume: 60Mix: 6.97%of portfolio

Place

Strong

Cambridge, MAMSA

Volume: 129Mix: 14.98%of portfolio

Place

Strong

Rockingham County, NHMSA

Volume: 26Mix: 3.02%of portfolio

Place

Sound

Boston, MA, MAMSA

Volume: 32Mix: 3.72%of portfolio

Place

Sound

Providence, RI-MAMSA

Volume: 19Mix: 2.21%of portfolio

Place

Sound

Raleigh, NCMSA

Volume: 20Mix: 2.32%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 26Mix: 3.02%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 20Mix: 2.32%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 20Mix: 2.32%of portfolio

Place

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

MAState

Volume: 299Mix: 34.73%of portfolio

Place

Strong

NHState

Volume: 112Mix: 13.01%of portfolio

Place

Strong

NJState

Volume: 52Mix: 6.04%of portfolio

Place

Sound

TXState

Volume: 50Mix: 5.81%of portfolio

Place

Sound

GAState

Volume: 33Mix: 3.83%of portfolio

Place

Sound

CAState

Volume: 41Mix: 4.76%of portfolio

Place

Sound

NCState

Volume: 32Mix: 3.72%of portfolio

Place

Sound

CTState

Volume: 16Mix: 1.86%of portfolio

Place

Sound

FLState

Volume: 28Mix: 3.25%of portfolio

Place

Sound

PAState

Volume: 19Mix: 2.21%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.