Lender in Massachusetts · HMDA 2025
Digital mortgages in Massachusetts
Digital's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Digital originated 302 owner-occupied single-family loans in Massachusetts from 461 completed applications.
Its median conventional purchase loan costs were $3,480 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.625% (Massachusetts: 6.575%).
Loans in MA
302
of 461 applications
Denial rate
26.9%
Purchase · MA 6.3%
Rate spread
+0.02 pts
Conv. · MA +0.02 pts
Loan amount
$415,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 271 | 193 | 26.9% | 6.625% | +0.02 pts | $3,480 | $415,000 |
| Refinance | 81 | 53 | 30.9% | — | −0.08 pts | $3,570 | $445,000 |
| Cash-out refinance | 109 | 56 | 47.7% | — | +0.02 pts | $3,370 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Digital ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Worcester County | 20 | 123 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology