Applications / Mortgage Analytics / Lenders / Massachusetts / Digital Federal Credit Union
Marlborough, MA · Credit union · NCUA · $13.1 billion assets · 3,877 loans in 2025
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3,877
loans originated, 2025
8,289
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Digital Federal Credit Union is a Massachusetts credit union lending in 45 states, with home improvement its largest line, whose loan count fell 8% in 2025 while similar credit unions grew.
Originations fell 8% to 3,877, while similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%; about nine in ten similar lenders grew faster. Yet the dollars lent rose from $950.9 million to $1.02 billion, as the typical loan rose from $135,000 to $155,000, possibly a turn towards larger loans.
Home improvement made up 38.1% of its loans and home purchase only 18.4%. Its typical loan of $155,000 is larger than at about three-quarters of similar lenders, and 4.3% of loans were jumbo (larger than the conforming limit), against 1.8% for peers.
It ranks 14th in Worcester and in Manchester-Nashua, where it has lent since before 1990, but its share fell from 1.9% to 1.5% and from 2.4% to 1.9%. This may follow its smaller overall volume, or competition from larger lenders there such as Rocket Mortgage.
20.7% of its loans went to LMI (low- and moderate-income) borrowers against 27.2% for peers, and 11.3% to LMI areas against 15.0%, each lower than about three-quarters of similar lenders or more. Its larger typical loans may mean borrowers with higher incomes. Its share in majority-minority areas, 17.0%, is about double the peer figure of 9.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Digital Federal Credit Union took 8,289 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.1% · Refinance 28.4% · Purchase 18.4% · Other 15.0%
Conventional 100.0% · of 3,877 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 1,769 | 45.6% |
| New Hampshire | 651 | 16.8% |
| Georgia | 184 | 4.7% |
| New Jersey | 153 | 3.9% |
| California | 148 | 3.8% |
| Florida | 94 | 2.4% |
| Texas | 89 | 2.3% |
| Virginia | 64 | 1.7% |
| Illinois | 52 | 1.3% |
| Pennsylvania | 51 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 817 |
| Worcester | 656 |
| Manchester-Nashua | 425 |
| Boston | 208 |
| Atlanta-Sandy Springs-Roswell | 160 |
| Rockingham County-Strafford County | 134 |
| Lakewood-New Brunswick | 97 |
| Providence-Warwick | 72 |
| Dallas-Plano-Irving | 50 |
| Arlington-Alexandria-Reston | 49 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JPGMCMBEJEK584 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 483386 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523521 | 1990–2017 |
Established 1 January 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Digital Federal Credit Union's data.
Digital Federal Credit Union's data
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Digital Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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