Discover Bank Mortgage Lending & HMDA Data, 2004
In 2004, Discover Bank of Greenwood, DE reported 1,069 mortgage applications totaling $74.2 million, down 1% from 2003. The average application was for $69,370, and applicants reported an average income of $61,716. 15% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Dover, DE (86), Chicago-Naperville-Joliet, IL (22) and Los Angeles-Long Beach-Glendale, CA (18) (applications in parentheses).
| Mortgage Company & Address | Discover Bank 502 East Market Street Greenwood, DE 19950 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,069 |
| Total Mortgage Loan Application Amount | $74,157,000 |
| Average Mortgage Loan Application Amount | $69,370 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $61,716 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sussex, Delaware | 284 | $ 34,112,000 | $ 120,112 | $ 47,000 |
| Kent, Delaware | 86 | $ 10,581,000 | $ 123,034 | $ 46,000 |
| Los Angeles, California | 18 | $ 1,477,000 | $ 82,055 | $ 124,000 |
| Cook, Illinois | 15 | $ 802,000 | $ 53,466 | $ 99,000 |
| Suffolk, New York | 10 | $ 625,000 | $ 62,500 | $ 69,000 |
| Maricopa, Arizona | 8 | $ 150,000 | $ 18,750 | $ 56,000 |
| Clark, Nevada | 7 | $ 290,000 | $ 41,428 | $ 57,000 |
| Queens, New York | 7 | $ 615,000 | $ 87,857 | $ 77,000 |
| San Diego, California | 6 | $ 340,000 | $ 56,666 | $ 76,000 |
| New Haven, Connecticut | 6 | $ 390,000 | $ 65,000 | $ 85,000 |
| Gwinnett, Georgia | 6 | $ 191,000 | $ 31,833 | $ 78,000 |
| Bergen, New Jersey | 6 | $ 236,000 | $ 39,333 | $ 67,000 |
| Nassau, New York | 6 | $ 445,000 | $ 74,166 | $ 129,000 |
| Philadelphia, Pennsylvania | 6 | $ 145,000 | $ 24,166 | $ 91,000 |
| Pima, Arizona | 5 | $ 285,000 | $ 57,000 | $ 64,000 |
| Orange, California | 5 | $ 290,000 | $ 58,000 | $ 56,000 |
| Riverside, California | 5 | $ 150,000 | $ 30,000 | $ 99,000 |
| Fairfield, Connecticut | 5 | $ 340,000 | $ 68,000 | $ 130,000 |
| Miami-Dade, Florida | 5 | $ 103,000 | $ 20,600 | $ 84,000 |
| Lake, Illinois | 5 | $ 145,000 | $ 29,000 | $ 64,000 |
| Wayne, Michigan | 5 | $ 140,000 | $ 28,000 | $ 62,000 |
| Montgomery, Pennsylvania | 5 | $ 261,000 | $ 52,200 | $ 95,000 |
| King, Washington | 5 | $ 186,000 | $ 37,200 | $ 181,000 |
| Brevard, Florida | 4 | $ 125,000 | $ 31,250 | $ 36,000 |
| Hillsborough, Florida | 4 | $ 105,000 | $ 26,250 | $ 61,000 |
| Palm Beach, Florida | 4 | $ 155,000 | $ 38,750 | $ 64,000 |
| Johnson, Kansas | 4 | $ 114,000 | $ 28,500 | $ 98,000 |
| Genesee, Michigan | 4 | $ 160,000 | $ 40,000 | $ 48,000 |
| Macomb, Michigan | 4 | $ 64,000 | $ 16,000 | $ 69,000 |
| Jackson, Missouri | 4 | $ 279,000 | $ 69,750 | $ 45,000 |
| Kings, New York | 4 | $ 270,000 | $ 67,500 | $ 75,000 |
| Onondaga, New York | 4 | $ 176,000 | $ 44,000 | $ 123,000 |
| Lucas, Ohio | 4 | $ 45,000 | $ 11,250 | $ 38,000 |
| Fairfax, Virginia | 4 | $ 272,000 | $ 68,000 | $ 37,000 |
| Contra Costa, California | 3 | $ 120,000 | $ 40,000 | $ 78,000 |
| Kern, California | 3 | $ 90,000 | $ 30,000 | $ 46,000 |
| Santa Clara, California | 3 | $ 150,000 | $ 50,000 | $ 67,000 |
| Hartford, Connecticut | 3 | $ 90,000 | $ 30,000 | $ 49,000 |
| New Castle, Delaware | 3 | $ 98,000 | $ 32,666 | $ 61,000 |
| Collier, Florida | 3 | $ 100,000 | $ 33,333 | $ 47,000 |
| Orange, Florida | 3 | $ 262,000 | $ 87,333 | $ 53,000 |
| Sarasota, Florida | 3 | $ 110,000 | $ 36,666 | $ 43,000 |
| Cobb, Georgia | 3 | $ 70,000 | $ 23,333 | $ 72,000 |
| Kane, Illinois | 3 | $ 65,000 | $ 21,666 | $ 65,000 |
| McHenry, Illinois | 3 | $ 65,000 | $ 21,666 | $ 117,000 |
| Baltimore, Maryland | 3 | $ 60,000 | $ 20,000 | $ 74,000 |
| Frederick, Maryland | 3 | $ 150,000 | $ 50,000 | $ 116,000 |
| Middlesex, Massachusetts | 3 | $ 245,000 | $ 81,666 | $ 95,000 |
| Norfolk, Massachusetts | 3 | $ 150,000 | $ 50,000 | $ 56,000 |
| Plymouth, Massachusetts | 3 | $ 185,000 | $ 61,666 | $ 102,000 |
| Worcester, Massachusetts | 3 | $ 95,000 | $ 31,666 | $ 63,000 |
| Hennepin, Minnesota | 3 | $ 80,000 | $ 26,666 | $ 52,000 |
| DeSoto, Mississippi | 3 | $ 48,000 | $ 16,000 | $ 90,000 |
| Hinds, Mississippi | 3 | $ 190,000 | $ 63,333 | $ 33,000 |
| Washoe, Nevada | 3 | $ 135,000 | $ 45,000 | $ 81,000 |
| Hudson, New Jersey | 3 | $ 220,000 | $ 73,333 | $ 93,000 |
| Middlesex, New Jersey | 3 | $ 125,000 | $ 41,666 | $ 91,000 |
| Erie, New York | 3 | $ 52,000 | $ 17,333 | $ 35,000 |
| Orange, New York | 3 | $ 60,000 | $ 20,000 | $ 61,000 |
| Westchester, New York | 3 | $ 220,000 | $ 73,333 | $ 83,000 |
| Greenville, South Carolina | 3 | $ 107,000 | $ 35,666 | $ 52,000 |
| Salt Lake, Utah | 3 | $ 80,000 | $ 26,666 | $ 90,000 |
| Virginia Beach, Virginia | 3 | $ 133,000 | $ 44,333 | $ 59,000 |
| Marshall, West Virginia | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Jefferson, Alabama | 2 | $ 28,000 | $ 14,000 | $ 59,000 |
| Lauderdale, Alabama | 2 | $ 30,000 | $ 15,000 | $ 95,000 |
| Mobile, Alabama | 2 | $ 75,000 | $ 37,500 | $ 45,000 |
| Mohave, Arizona | 2 | $ 35,000 | $ 17,500 | $ 72,000 |
| Alameda, California | 2 | $ 135,000 | $ 67,500 | $ 38,000 |
| Fresno, California | 2 | $ 78,000 | $ 39,000 | $ 80,000 |
| Placer, California | 2 | $ 75,000 | $ 37,500 | $ 85,000 |
| San Bernardino, California | 2 | $ 50,000 | $ 25,000 | $ 93,000 |
| Tehama, California | 2 | $ 50,000 | $ 25,000 | $ 57,000 |
| Ventura, California | 2 | $ 60,000 | $ 30,000 | $ 71,000 |
| Adams, Colorado | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| El Paso, Colorado | 2 | $ 60,000 | $ 30,000 | $ 82,000 |
| New London, Connecticut | 2 | $ 85,000 | $ 42,500 | $ 79,000 |
| Broward, Florida | 2 | $ 40,000 | $ 20,000 | $ 50,000 |
| Lake, Florida | 2 | $ 55,000 | $ 27,500 | $ 38,000 |
| Leon, Florida | 2 | $ 78,000 | $ 39,000 | $ 48,000 |
| Pinellas, Florida | 2 | $ 21,000 | $ 10,500 | $ 55,000 |
| St. Johns, Florida | 2 | $ 60,000 | $ 30,000 | $ 97,000 |
| Clayton, Georgia | 2 | $ 70,000 | $ 35,000 | $ 71,000 |
| Fulton, Georgia | 2 | $ 205,000 | $ 102,500 | $ 39,000 |
| Liberty, Georgia | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Lake, Indiana | 2 | $ 206,000 | $ 103,000 | $ 55,000 |
| LaPorte, Indiana | 2 | $ 67,000 | $ 33,500 | $ 78,000 |
| Marion, Indiana | 2 | $ 175,000 | $ 87,500 | $ 121,000 |
| Rooks, Kansas | 2 | $ 25,000 | $ 12,500 | $ 43,000 |
| Caddo, Louisiana | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| East Baton Rouge, Louisiana | 2 | $ 75,000 | $ 37,500 | $ 62,000 |
| Jefferson, Louisiana | 2 | $ 53,000 | $ 26,500 | $ 43,000 |
| Lafourche, Louisiana | 2 | $ 61,000 | $ 30,500 | $ 91,000 |
| York, Maine | 2 | $ 118,000 | $ 59,000 | $ 67,000 |
| Baltimore City, Maryland | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Cecil, Maryland | 2 | $ 51,000 | $ 25,500 | $ 119,000 |
| Prince George's, Maryland | 2 | $ 75,000 | $ 37,500 | $ 80,000 |
| Essex, Massachusetts | 2 | $ 140,000 | $ 70,000 | $ 52,000 |
| Anoka, Minnesota | 2 | $ 55,000 | $ 27,500 | $ 36,000 |
| Lauderdale, Mississippi | 2 | $ 72,000 | $ 36,000 | $ 53,000 |
| Callaway, Missouri | 2 | $ 95,000 | $ 47,500 | $ 68,000 |
| Greene, Missouri | 2 | $ 145,000 | $ 72,500 | $ 52,000 |
| St. Charles, Missouri | 2 | $ 115,000 | $ 57,500 | $ 82,000 |
| Park, Montana | 2 | $ 67,000 | $ 33,500 | $ 72,000 |
| Sarpy, Nebraska | 2 | $ 35,000 | $ 17,500 | $ 60,000 |
| Douglas, Nevada | 2 | $ 45,000 | $ 22,500 | $ 42,000 |
| Atlantic, New Jersey | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| Camden, New Jersey | 2 | $ 99,000 | $ 49,500 | $ 137,000 |
| Cape May, New Jersey | 2 | $ 130,000 | $ 65,000 | $ 105,000 |
| Monmouth, New Jersey | 2 | $ 50,000 | $ 25,000 | $ 117,000 |
| Morris, New Jersey | 2 | $ 230,000 | $ 115,000 | $ 142,000 |
| Ocean, New Jersey | 2 | $ 76,000 | $ 38,000 | $ 76,000 |
| Union, New Jersey | 2 | $ 78,000 | $ 39,000 | $ 123,000 |
| Chautauqua, New York | 2 | $ 36,000 | $ 18,000 | $ 50,000 |
| Columbia, New York | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| New York, New York | 2 | $ 125,000 | $ 62,500 | $ 126,000 |
| Wake, North Carolina | 2 | $ 41,000 | $ 20,500 | $ 34,000 |
| Franklin, Ohio | 2 | $ 105,000 | $ 52,500 | $ 84,000 |
| Garvin, Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Oklahoma, Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 84,000 |
| Tulsa, Oklahoma | 2 | $ 155,000 | $ 77,500 | $ 67,000 |
| Luzerne, Pennsylvania | 2 | $ 65,000 | $ 32,500 | $ 100,000 |
| Monroe, Pennsylvania | 2 | $ 20,000 | $ 10,000 | $ 30,000 |
| Providence, Rhode Island | 2 | $ 75,000 | $ 37,500 | $ 62,000 |
| Spartanburg, South Carolina | 2 | $ 25,000 | $ 12,500 | $ 47,000 |
| Hamilton, Tennessee | 2 | $ 115,000 | $ 57,500 | $ 55,000 |
| Knox, Tennessee | 2 | $ 95,000 | $ 47,500 | $ 105,000 |
| Weber, Utah | 2 | $ 38,000 | $ 19,000 | $ 50,000 |
| Bennington, Vermont | 2 | $ 120,000 | $ 60,000 | $ 66,000 |
| Rutland, Vermont | 2 | $ 61,000 | $ 30,500 | $ 51,000 |
| Chesterfield, Virginia | 2 | $ 42,000 | $ 21,000 | $ 68,000 |
| Culpeper, Virginia | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| New Kent, Virginia | 2 | $ 85,000 | $ 42,500 | $ 108,000 |
| Prince William, Virginia | 2 | $ 115,000 | $ 57,500 | $ 70,000 |
| Berkeley, West Virginia | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Kenosha, Wisconsin | 2 | $ 35,000 | $ 17,500 | $ 47,000 |
| Rock, Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 55,000 |
| Barbour, Alabama | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Lamar, Alabama | 1 | $ 18,000 | $ 18,000 | $ 19,000 |
| Lee, Alabama | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Coconino, Arizona | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Yuma, Arizona | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| El Dorado, California | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Kings, California | 1 | $ 30,000 | $ 30,000 | $ 140,000 |
| Madera, California | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Merced, California | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Monterey, California | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| San Joaquin, California | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Santa Barbara, California | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Santa Cruz, California | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Tulare, California | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Yolo, California | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| La Plata, Colorado | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Larimer, Colorado | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Montrose, Colorado | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Routt, Colorado | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Teller, Colorado | 1 | $ 22,000 | $ 22,000 | $ 23,000 |
| Litchfield, Connecticut | 1 | $ 60,000 | $ 60,000 | $ 77,000 |
| Middlesex, Connecticut | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Windham, Connecticut | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Alachua, Florida | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Charlotte, Florida | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Duval, Florida | 1 | $ 38,000 | $ 38,000 | $ 47,000 |
| Hernando, Florida | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Levy, Florida | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Okaloosa, Florida | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Pasco, Florida | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Santa Rosa, Florida | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Seminole, Florida | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Bulloch, Georgia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Chatham, Georgia | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Forsyth, Georgia | 1 | $ 68,000 | $ 68,000 | $ 76,000 |
| Glynn, Georgia | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Hall, Georgia | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Houston, Georgia | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Lowndes, Georgia | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Murray, Georgia | 1 | $ 10,000 | $ 10,000 | $ 110,000 |
| Paulding, Georgia | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Peach, Georgia | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Seminole, Georgia | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Sumter, Georgia | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Thomas, Georgia | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Walker, Georgia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Whitfield, Georgia | 1 | $ 11,000 | $ 11,000 | $ 96,000 |
| Kootenai, Idaho | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Bureau, Illinois | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Carroll, Illinois | 1 | $ 10,000 | $ 10,000 | $ 72,000 |
| DuPage, Illinois | 1 | $ 30,000 | $ 30,000 | $ 120,000 |
| Kankakee, Illinois | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| McLean, Illinois | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Sangamon, Illinois | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Tazewell, Illinois | 1 | $ 12,000 | $ 12,000 | $ 75,000 |
| Vermilion, Illinois | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Warren, Illinois | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Clinton, Indiana | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Hamilton, Indiana | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Madison, Indiana | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Vanderburgh, Indiana | 1 | $ 10,000 | $ 10,000 | $ 557,000 |
| Vigo, Indiana | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
| Warrick, Indiana | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Benton, Iowa | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Dubuque, Iowa | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Henry, Iowa | 1 | $ 28,000 | $ 28,000 | $ 30,000 |
| Linn, Iowa | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Marion, Iowa | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Scott, Iowa | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Story, Iowa | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Woodbury, Iowa | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Harvey, Kansas | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Leavenworth, Kansas | 1 | $ 55,000 | $ 55,000 | $ 275,000 |
| Reno, Kansas | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Sedgwick, Kansas | 1 | $ 20,000 | $ 20,000 | $ 104,000 |
| Thomas, Kansas | 1 | $ 41,000 | $ 41,000 | $ 78,000 |
| Wyandotte, Kansas | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Boone, Kentucky | 1 | $ 12,000 | $ 12,000 | $ 40,000 |
| Garrard, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Jessamine, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Madison, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Marion, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Marshall, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| McCracken, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 180,000 |
| Washington, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Lafayette, Louisiana | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| Tangipahoa, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Androscoggin, Maine | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Cumberland, Maine | 1 | $ 13,000 | $ 13,000 | $ 40,000 |
| Allegany, Maryland | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Caroline, Maryland | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Carroll, Maryland | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Charles, Maryland | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Garrett, Maryland | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Montgomery, Maryland | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Worcester, Maryland | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Barnstable, Massachusetts | 1 | $ 120,000 | $ 120,000 | $ 193,000 |
| Bristol, Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Berrien, Michigan | 1 | $ 50,000 | $ 50,000 | $ 129,000 |
| Dickinson, Michigan | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Hillsdale, Michigan | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Huron, Michigan | 1 | $ 10,000 | $ 10,000 | $ 18,000 |
| Iosco, Michigan | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Lapeer, Michigan | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Midland, Michigan | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Oakland, Michigan | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Saginaw, Michigan | 1 | $ 14,000 | $ 14,000 | $ 19,000 |
| Shiawassee, Michigan | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| St. Clair, Michigan | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| St. Joseph, Michigan | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Tuscola, Michigan | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Wexford, Michigan | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Carver, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Cass, Minnesota | 1 | $ 10,000 | $ 10,000 | $ 15,000 |
| Chisago, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Clay, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 66,000 |
| Freeborn, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Le Sueur, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Lyon, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Pipestone, Minnesota | 1 | $ 33,000 | $ 33,000 | $ 10,000 |
| Rock, Minnesota | 1 | $ 81,000 | $ 81,000 | $ 52,000 |
| Sibley, Minnesota | 1 | $ 12,000 | $ 12,000 | $ 35,000 |
| Washington, Minnesota | 1 | $ 36,000 | $ 36,000 | $ 110,000 |
| George, Mississippi | 1 | $ 18,000 | $ 18,000 | $ 52,000 |
| Lawrence, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Pearl River, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Pontotoc, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Washington, Mississippi | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| Andrew, Missouri | 1 | $ 16,000 | $ 16,000 | $ 64,000 |
| Buchanan, Missouri | 1 | $ 40,000 | $ 40,000 | $ 15,000 |
| Clay, Missouri | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Jefferson, Missouri | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Ray, Missouri | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| St. Francois, Missouri | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Webster, Missouri | 1 | $ 10,000 | $ 10,000 | $ 21,000 |
| Yellowstone, Montana | 1 | $ 13,000 | $ 13,000 | $ 92,000 |
| Custer, Nebraska | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Dawes, Nebraska | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Douglas, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Hall, Nebraska | 1 | $ 46,000 | $ 46,000 | $ 67,000 |
| Lancaster, Nebraska | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Nemaha, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Strafford, New Hampshire | 1 | $ 52,000 | $ 52,000 | $ 108,000 |
| Burlington, New Jersey | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Essex, New Jersey | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| Gloucester, New Jersey | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Mercer, New Jersey | 1 | $ 12,000 | $ 12,000 | $ 231,000 |
| Somerset, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Sussex, New Jersey | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Bernalillo, New Mexico | 1 | $ 44,000 | $ 44,000 | $ 86,000 |
| Grant, New Mexico | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Sandoval, New Mexico | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Santa Fe, New Mexico | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Dutchess, New York | 1 | $ 10,000 | $ 10,000 | $ 115,000 |
| Franklin, New York | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Fulton, New York | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Greene, New York | 1 | $ 20,000 | $ 20,000 | $ 181,000 |
| Monroe, New York | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Otsego, New York | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Rensselaer, New York | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Richmond, New York | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Saratoga, New York | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Sullivan, New York | 1 | $ 33,000 | $ 33,000 | $ 65,000 |
| Ulster, New York | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Wyoming, New York | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Alamance, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Buncombe, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Cabarrus, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Caldwell, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Columbus, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Lenoir, North Carolina | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| Lincoln, North Carolina | 1 | $ 41,000 | $ 41,000 | $ 50,000 |
| Macon, North Carolina | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Mecklenburg, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| New Hanover, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 44,000 |
| Pender, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Pitt, North Carolina | 1 | $ 21,000 | $ 21,000 | $ 38,000 |
| Randolph, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Union, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 95,000 |
| Cass, North Dakota | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Morton, North Dakota | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Butler, Ohio | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Defiance, Ohio | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Jackson, Ohio | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Montgomery, Ohio | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Pickaway, Ohio | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Scioto, Ohio | 1 | $ 12,000 | $ 12,000 | $ 60,000 |
| Trumbull, Ohio | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Tuscarawas, Ohio | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Williams, Ohio | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| Cleveland, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Custer, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Delaware, Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 130,000 |
| Kay, Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Okmulgee, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Woodward, Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Clackamas, Oregon | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Harney, Oregon | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Jackson, Oregon | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Washington, Oregon | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Adams, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Allegheny, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Berks, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Bucks, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Cambria, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Cameron, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Cumberland, Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Franklin, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Huntingdon, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Lancaster, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Lehigh, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 208,000 |
| McKean, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Montour, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Northampton, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Northumberland, Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Snyder, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 175,000 |
| Wayne, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Westmoreland, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 56,000 |
| Allendale, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Cherokee, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Florence, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Horry, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| York, South Carolina | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Codington, South Dakota | 1 | $ 12,000 | $ 12,000 | $ 38,000 |
| Minnehaha, South Dakota | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Anderson, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Bradley, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Campbell, Tennessee | 1 | $ 54,000 | $ 54,000 | $ 46,000 |
| Davidson, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Greene, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Hamblen, Tennessee | 1 | $ 17,000 | $ 17,000 | $ 52,000 |
| Henderson, Tennessee | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Roane, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Scott, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Shelby, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Dallas, Texas | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Summit, Utah | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Tooele, Utah | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Utah, Utah | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Orange, Vermont | 1 | $ 40,000 | $ 40,000 | $ 105,000 |
| Windsor, Vermont | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Augusta, Virginia | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Chesapeake, Virginia | 1 | $ 32,000 | $ 32,000 | $ 58,000 |
| Fairfax City, Virginia | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Fauquier, Virginia | 1 | $ 92,000 | $ 92,000 | $ 85,000 |
| Henry, Virginia | 1 | $ 61,000 | $ 61,000 | $ 30,000 |
| King George, Virginia | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Orange, Virginia | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Portsmouth, Virginia | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Spotsylvania, Virginia | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Warren, Virginia | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Chelan, Washington | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Clallam, Washington | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Clark, Washington | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Douglas, Washington | 1 | $ 51,000 | $ 51,000 | $ 38,000 |
| Grays Harbor, Washington | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Lewis, Washington | 1 | $ 60,000 | $ 60,000 | $ 127,000 |
| Pierce, Washington | 1 | $ 43,000 | $ 43,000 | $ 66,000 |
| Wahkiakum, Washington | 1 | $ 62,000 | $ 62,000 | $ 113,000 |
| Jefferson, West Virginia | 1 | $ 28,000 | $ 28,000 | $ 93,000 |
| Mingo, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Ohio, West Virginia | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Barron, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Dane, Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 102,000 |
| Fond du Lac, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Milwaukee, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Monroe, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Ozaukee, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Racine, Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Vilas, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Walworth, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Washburn, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Johnson, Wyoming | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 702 | $29,577,000 | $38,446 | $250,000 | $67,978 | $600,000 |
| Refinancing | 187 | $23,990,000 | $109,000 | $333,000 | $37,000 | $159,000 |
| Home Purchase | 180 | $20,590,000 | $114,000 | $258,000 | $44,000 | $297,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 791 | $58,727,000 | $40,586 | $333,000 | $69,326 | $600,000 |
| Not Provided | 106 | $4,474,000 | $38,000 | $168,000 | $58,888 | $297,000 |
| Hispanic | 63 | $3,779,000 | $47,722 | $180,000 | $70,222 | $265,000 |
| Black or African American | 61 | $4,160,000 | $44,500 | $216,000 | $61,666 | $219,000 |
| Asian | 38 | $2,591,000 | $51,411 | $258,000 | $88,117 | $410,000 |
| American Indian or Alaskan Native | 8 | $346,000 | $43,250 | $60,000 | $60,500 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $80,000 | $40,000 | $50,000 | $53,000 | $61,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,068 | $74,081,000 | $40,255 | $333,000 | $67,680 | $600,000 |
| FHA-insured (Federal Housing Administration) | 1 | $76,000 | $76,000 | $76,000 | $43,000 | $43,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 347 | $15,749,000 | $40,422 | $250,000 | $75,400 | $600,000 |
| Loan Purchased By The Institution | 288 | $36,013,000 | $107,500 | $333,000 | $37,000 | $297,000 |
| Application Approved But Not Accepted | 214 | $7,872,000 | $34,475 | $138,000 | $52,500 | $219,000 |
| Loan Originated | 157 | $10,749,000 | $41,342 | $281,000 | $68,914 | $185,000 |
| Application Withdrawn By Applicant | 56 | $3,076,000 | $50,727 | $185,000 | $77,954 | $265,000 |
| File Closed For Incompleteness | 7 | $698,000 | $99,000 | $147,000 | $44,000 | $65,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 279 | $12,046,000 | $40,022 | $250,000 | $76,431 | $557,000 |
| Credit Application Incomplete | 65 | $3,427,000 | $46,275 | $250,000 | $74,310 | $600,000 |
| Collateral | 1 | $78,000 | $78,000 | $78,000 | $37,000 | $37,000 |
| Debt-To-Income Ratio | 1 | $110,000 | $110,000 | $110,000 | $24,000 | $24,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Discover Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Discover Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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