Discover Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Discover Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $42,780 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $66,260 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Discover Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Discover Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Discover Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Discover Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Discover Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Discover Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sussex County Delaware | 284 | $ 34,112,000 | $ 120,000 | $ 47,000 |
| Kent County Delaware | 86 | $ 10,581,000 | $ 123,000 | $ 46,000 |
| Los Angeles County California | 18 | $ 1,477,000 | $ 82,000 | $ 124,000 |
| Cook County Illinois | 15 | $ 802,000 | $ 53,000 | $ 99,000 |
| Suffolk County New York | 10 | $ 625,000 | $ 62,000 | $ 69,000 |
| Maricopa County Arizona | 8 | $ 150,000 | $ 18,000 | $ 56,000 |
| Clark County Nevada | 7 | $ 290,000 | $ 41,000 | $ 57,000 |
| Queens County New York | 7 | $ 615,000 | $ 87,000 | $ 77,000 |
| San Diego County California | 6 | $ 340,000 | $ 56,000 | $ 76,000 |
| New Haven County Connecticut | 6 | $ 390,000 | $ 65,000 | $ 85,000 |
| Gwinnett County Georgia | 6 | $ 191,000 | $ 31,000 | $ 78,000 |
| Bergen County New Jersey | 6 | $ 236,000 | $ 39,000 | $ 67,000 |
| Nassau County New York | 6 | $ 445,000 | $ 74,000 | $ 129,000 |
| Philadelphia County Pennsylvania | 6 | $ 145,000 | $ 24,000 | $ 91,000 |
| Pima County Arizona | 5 | $ 285,000 | $ 57,000 | $ 64,000 |
| Orange County California | 5 | $ 290,000 | $ 58,000 | $ 56,000 |
| Riverside County California | 5 | $ 150,000 | $ 30,000 | $ 99,000 |
| Fairfield County Connecticut | 5 | $ 340,000 | $ 68,000 | $ 130,000 |
| Miami-Dade County Florida | 5 | $ 103,000 | $ 20,000 | $ 84,000 |
| Lake County Illinois | 5 | $ 145,000 | $ 29,000 | $ 64,000 |
| Wayne County Michigan | 5 | $ 140,000 | $ 28,000 | $ 62,000 |
| Montgomery County Pennsylvania | 5 | $ 261,000 | $ 52,000 | $ 95,000 |
| King County Washington | 5 | $ 186,000 | $ 37,000 | $ 181,000 |
| Brevard County Florida | 4 | $ 125,000 | $ 31,000 | $ 36,000 |
| Hillsborough County Florida | 4 | $ 105,000 | $ 26,000 | $ 61,000 |
| Palm Beach County Florida | 4 | $ 155,000 | $ 38,000 | $ 64,000 |
| Johnson County Kansas | 4 | $ 114,000 | $ 28,000 | $ 98,000 |
| Genesee County Michigan | 4 | $ 160,000 | $ 40,000 | $ 48,000 |
| Macomb County Michigan | 4 | $ 64,000 | $ 16,000 | $ 69,000 |
| Jackson County Missouri | 4 | $ 279,000 | $ 69,000 | $ 45,000 |
| Kings County New York | 4 | $ 270,000 | $ 67,000 | $ 75,000 |
| Onondaga County New York | 4 | $ 176,000 | $ 44,000 | $ 123,000 |
| Lucas County Ohio | 4 | $ 45,000 | $ 11,000 | $ 38,000 |
| Fairfax County Virginia | 4 | $ 272,000 | $ 68,000 | $ 37,000 |
| Contra Costa County California | 3 | $ 120,000 | $ 40,000 | $ 78,000 |
| Kern County California | 3 | $ 90,000 | $ 30,000 | $ 46,000 |
| Santa Clara County California | 3 | $ 150,000 | $ 50,000 | $ 67,000 |
| Hartford County Connecticut | 3 | $ 90,000 | $ 30,000 | $ 49,000 |
| New Castle County Delaware | 3 | $ 98,000 | $ 32,000 | $ 61,000 |
| Collier County Florida | 3 | $ 100,000 | $ 33,000 | $ 47,000 |
| Orange County Florida | 3 | $ 262,000 | $ 87,000 | $ 53,000 |
| Sarasota County Florida | 3 | $ 110,000 | $ 36,000 | $ 43,000 |
| Cobb County Georgia | 3 | $ 70,000 | $ 23,000 | $ 72,000 |
| Kane County Illinois | 3 | $ 65,000 | $ 21,000 | $ 65,000 |
| McHenry County Illinois | 3 | $ 65,000 | $ 21,000 | $ 117,000 |
| Baltimore County Maryland | 3 | $ 60,000 | $ 20,000 | $ 74,000 |
| Frederick County Maryland | 3 | $ 150,000 | $ 50,000 | $ 116,000 |
| Middlesex County Massachusetts | 3 | $ 245,000 | $ 81,000 | $ 95,000 |
| Norfolk County Massachusetts | 3 | $ 150,000 | $ 50,000 | $ 56,000 |
| Plymouth County Massachusetts | 3 | $ 185,000 | $ 61,000 | $ 102,000 |
| Worcester County Massachusetts | 3 | $ 95,000 | $ 31,000 | $ 63,000 |
| Hennepin County Minnesota | 3 | $ 80,000 | $ 26,000 | $ 52,000 |
| DeSoto County Mississippi | 3 | $ 48,000 | $ 16,000 | $ 90,000 |
| Hinds County Mississippi | 3 | $ 190,000 | $ 63,000 | $ 33,000 |
| Washoe County Nevada | 3 | $ 135,000 | $ 45,000 | $ 81,000 |
| Hudson County New Jersey | 3 | $ 220,000 | $ 73,000 | $ 93,000 |
| Middlesex County New Jersey | 3 | $ 125,000 | $ 41,000 | $ 91,000 |
| Erie County New York | 3 | $ 52,000 | $ 17,000 | $ 35,000 |
| Orange County New York | 3 | $ 60,000 | $ 20,000 | $ 61,000 |
| Westchester County New York | 3 | $ 220,000 | $ 73,000 | $ 83,000 |
| Greenville County South Carolina | 3 | $ 107,000 | $ 35,000 | $ 52,000 |
| Salt Lake County Utah | 3 | $ 80,000 | $ 26,000 | $ 90,000 |
| Virginia Beach County Virginia | 3 | $ 133,000 | $ 44,000 | $ 59,000 |
| Marshall County West Virginia | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Jefferson County Alabama | 2 | $ 28,000 | $ 14,000 | $ 59,000 |
| Lauderdale County Alabama | 2 | $ 30,000 | $ 15,000 | $ 95,000 |
| Mobile County Alabama | 2 | $ 75,000 | $ 37,000 | $ 45,000 |
| Mohave County Arizona | 2 | $ 35,000 | $ 17,000 | $ 72,000 |
| Alameda County California | 2 | $ 135,000 | $ 67,000 | $ 38,000 |
| Fresno County California | 2 | $ 78,000 | $ 39,000 | $ 80,000 |
| Placer County California | 2 | $ 75,000 | $ 37,000 | $ 85,000 |
| San Bernardino County California | 2 | $ 50,000 | $ 25,000 | $ 93,000 |
| Tehama County California | 2 | $ 50,000 | $ 25,000 | $ 57,000 |
| Ventura County California | 2 | $ 60,000 | $ 30,000 | $ 71,000 |
| Adams County Colorado | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| El Paso County Colorado | 2 | $ 60,000 | $ 30,000 | $ 82,000 |
| New London County Connecticut | 2 | $ 85,000 | $ 42,000 | $ 79,000 |
| Broward County Florida | 2 | $ 40,000 | $ 20,000 | $ 50,000 |
| Lake County Florida | 2 | $ 55,000 | $ 27,000 | $ 38,000 |
| Leon County Florida | 2 | $ 78,000 | $ 39,000 | $ 48,000 |
| Pinellas County Florida | 2 | $ 21,000 | $ 10,000 | $ 55,000 |
| St. Johns County Florida | 2 | $ 60,000 | $ 30,000 | $ 97,000 |
| Clayton County Georgia | 2 | $ 70,000 | $ 35,000 | $ 71,000 |
| Fulton County Georgia | 2 | $ 205,000 | $ 102,000 | $ 39,000 |
| Liberty County Georgia | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Lake County Indiana | 2 | $ 206,000 | $ 103,000 | $ 55,000 |
| LaPorte County Indiana | 2 | $ 67,000 | $ 33,000 | $ 78,000 |
| Marion County Indiana | 2 | $ 175,000 | $ 87,000 | $ 121,000 |
| Rooks County Kansas | 2 | $ 25,000 | $ 12,000 | $ 43,000 |
| Caddo County Louisiana | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| East Baton Rouge County Louisiana | 2 | $ 75,000 | $ 37,000 | $ 62,000 |
| Jefferson County Louisiana | 2 | $ 53,000 | $ 26,000 | $ 43,000 |
| Lafourche County Louisiana | 2 | $ 61,000 | $ 30,000 | $ 91,000 |
| York County Maine | 2 | $ 118,000 | $ 59,000 | $ 67,000 |
| Baltimore City County Maryland | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Cecil County Maryland | 2 | $ 51,000 | $ 25,000 | $ 119,000 |
| Prince George's County Maryland | 2 | $ 75,000 | $ 37,000 | $ 80,000 |
| Essex County Massachusetts | 2 | $ 140,000 | $ 70,000 | $ 52,000 |
| Anoka County Minnesota | 2 | $ 55,000 | $ 27,000 | $ 36,000 |
| Lauderdale County Mississippi | 2 | $ 72,000 | $ 36,000 | $ 53,000 |
| Callaway County Missouri | 2 | $ 95,000 | $ 47,000 | $ 68,000 |
| Greene County Missouri | 2 | $ 145,000 | $ 72,000 | $ 52,000 |
| St. Charles County Missouri | 2 | $ 115,000 | $ 57,000 | $ 82,000 |
| Park County Montana | 2 | $ 67,000 | $ 33,000 | $ 72,000 |
| Sarpy County Nebraska | 2 | $ 35,000 | $ 17,000 | $ 60,000 |
| Douglas County Nevada | 2 | $ 45,000 | $ 22,000 | $ 42,000 |
| Atlantic County New Jersey | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| Camden County New Jersey | 2 | $ 99,000 | $ 49,000 | $ 137,000 |
| Cape May County New Jersey | 2 | $ 130,000 | $ 65,000 | $ 105,000 |
| Monmouth County New Jersey | 2 | $ 50,000 | $ 25,000 | $ 117,000 |
| Morris County New Jersey | 2 | $ 230,000 | $ 115,000 | $ 142,000 |
| Ocean County New Jersey | 2 | $ 76,000 | $ 38,000 | $ 76,000 |
| Union County New Jersey | 2 | $ 78,000 | $ 39,000 | $ 123,000 |
| Chautauqua County New York | 2 | $ 36,000 | $ 18,000 | $ 50,000 |
| Columbia County New York | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| New York County New York | 2 | $ 125,000 | $ 62,000 | $ 126,000 |
| Wake County North Carolina | 2 | $ 41,000 | $ 20,000 | $ 34,000 |
| Franklin County Ohio | 2 | $ 105,000 | $ 52,000 | $ 84,000 |
| Garvin County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Oklahoma County Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 84,000 |
| Tulsa County Oklahoma | 2 | $ 155,000 | $ 77,000 | $ 67,000 |
| Luzerne County Pennsylvania | 2 | $ 65,000 | $ 32,000 | $ 100,000 |
| Monroe County Pennsylvania | 2 | $ 20,000 | $ 10,000 | $ 30,000 |
| Providence County Rhode Island | 2 | $ 75,000 | $ 37,000 | $ 62,000 |
| Spartanburg County South Carolina | 2 | $ 25,000 | $ 12,000 | $ 47,000 |
| Hamilton County Tennessee | 2 | $ 115,000 | $ 57,000 | $ 55,000 |
| Knox County Tennessee | 2 | $ 95,000 | $ 47,000 | $ 105,000 |
| Weber County Utah | 2 | $ 38,000 | $ 19,000 | $ 50,000 |
| Bennington County Vermont | 2 | $ 120,000 | $ 60,000 | $ 66,000 |
| Rutland County Vermont | 2 | $ 61,000 | $ 30,000 | $ 51,000 |
| Chesterfield County Virginia | 2 | $ 42,000 | $ 21,000 | $ 68,000 |
| Culpeper County Virginia | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| New Kent County Virginia | 2 | $ 85,000 | $ 42,000 | $ 108,000 |
| Prince William County Virginia | 2 | $ 115,000 | $ 57,000 | $ 70,000 |
| Berkeley County West Virginia | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Kenosha County Wisconsin | 2 | $ 35,000 | $ 17,000 | $ 47,000 |
| Rock County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 55,000 |
| Barbour County Alabama | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Lamar County Alabama | 1 | $ 18,000 | $ 18,000 | $ 19,000 |
| Lee County Alabama | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Coconino County Arizona | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Yuma County Arizona | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| El Dorado County California | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Kings County California | 1 | $ 30,000 | $ 30,000 | $ 140,000 |
| Madera County California | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Merced County California | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Monterey County California | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| San Joaquin County California | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Santa Barbara County California | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Santa Cruz County California | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Tulare County California | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Yolo County California | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| La Plata County Colorado | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Larimer County Colorado | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Montrose County Colorado | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Routt County Colorado | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Teller County Colorado | 1 | $ 22,000 | $ 22,000 | $ 23,000 |
| Litchfield County Connecticut | 1 | $ 60,000 | $ 60,000 | $ 77,000 |
| Middlesex County Connecticut | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Windham County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Alachua County Florida | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Charlotte County Florida | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Duval County Florida | 1 | $ 38,000 | $ 38,000 | $ 47,000 |
| Hernando County Florida | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Levy County Florida | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Okaloosa County Florida | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Pasco County Florida | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Santa Rosa County Florida | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Seminole County Florida | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Bulloch County Georgia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Chatham County Georgia | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Forsyth County Georgia | 1 | $ 68,000 | $ 68,000 | $ 76,000 |
| Glynn County Georgia | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Hall County Georgia | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Houston County Georgia | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Lowndes County Georgia | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Murray County Georgia | 1 | $ 10,000 | $ 10,000 | $ 110,000 |
| Paulding County Georgia | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Peach County Georgia | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Seminole County Georgia | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Sumter County Georgia | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Thomas County Georgia | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Walker County Georgia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Whitfield County Georgia | 1 | $ 11,000 | $ 11,000 | $ 96,000 |
| Kootenai County Idaho | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Bureau County Illinois | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Carroll County Illinois | 1 | $ 10,000 | $ 10,000 | $ 72,000 |
| DuPage County Illinois | 1 | $ 30,000 | $ 30,000 | $ 120,000 |
| Kankakee County Illinois | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| McLean County Illinois | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Sangamon County Illinois | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Tazewell County Illinois | 1 | $ 12,000 | $ 12,000 | $ 75,000 |
| Vermilion County Illinois | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Warren County Illinois | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Clinton County Indiana | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Hamilton County Indiana | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Madison County Indiana | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Vanderburgh County Indiana | 1 | $ 10,000 | $ 10,000 | $ 557,000 |
| Vigo County Indiana | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
| Warrick County Indiana | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Benton County Iowa | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Dubuque County Iowa | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Henry County Iowa | 1 | $ 28,000 | $ 28,000 | $ 30,000 |
| Linn County Iowa | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Marion County Iowa | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Scott County Iowa | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Story County Iowa | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Woodbury County Iowa | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Harvey County Kansas | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Leavenworth County Kansas | 1 | $ 55,000 | $ 55,000 | $ 275,000 |
| Reno County Kansas | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Sedgwick County Kansas | 1 | $ 20,000 | $ 20,000 | $ 104,000 |
| Thomas County Kansas | 1 | $ 41,000 | $ 41,000 | $ 78,000 |
| Wyandotte County Kansas | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Boone County Kentucky | 1 | $ 12,000 | $ 12,000 | $ 40,000 |
| Garrard County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Jessamine County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Madison County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Marion County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Marshall County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| McCracken County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 180,000 |
| Washington County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Lafayette County Louisiana | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| Tangipahoa County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Androscoggin County Maine | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Cumberland County Maine | 1 | $ 13,000 | $ 13,000 | $ 40,000 |
| Allegany County Maryland | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Caroline County Maryland | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Carroll County Maryland | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Charles County Maryland | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Garrett County Maryland | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Montgomery County Maryland | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Worcester County Maryland | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Barnstable County Massachusetts | 1 | $ 120,000 | $ 120,000 | $ 193,000 |
| Bristol County Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Berrien County Michigan | 1 | $ 50,000 | $ 50,000 | $ 129,000 |
| Dickinson County Michigan | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Hillsdale County Michigan | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Huron County Michigan | 1 | $ 10,000 | $ 10,000 | $ 18,000 |
| Iosco County Michigan | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Lapeer County Michigan | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Midland County Michigan | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Oakland County Michigan | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Saginaw County Michigan | 1 | $ 14,000 | $ 14,000 | $ 19,000 |
| Shiawassee County Michigan | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| St. Clair County Michigan | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| St. Joseph County Michigan | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Tuscola County Michigan | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Wexford County Michigan | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Carver County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Cass County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 15,000 |
| Chisago County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Clay County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 66,000 |
| Freeborn County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Le Sueur County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Lyon County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Pipestone County Minnesota | 1 | $ 33,000 | $ 33,000 | $ 10,000 |
| Rock County Minnesota | 1 | $ 81,000 | $ 81,000 | $ 52,000 |
| Sibley County Minnesota | 1 | $ 12,000 | $ 12,000 | $ 35,000 |
| Washington County Minnesota | 1 | $ 36,000 | $ 36,000 | $ 110,000 |
| George County Mississippi | 1 | $ 18,000 | $ 18,000 | $ 52,000 |
| Lawrence County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Pearl River County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Pontotoc County Mississippi | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Washington County Mississippi | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| Andrew County Missouri | 1 | $ 16,000 | $ 16,000 | $ 64,000 |
| Buchanan County Missouri | 1 | $ 40,000 | $ 40,000 | $ 15,000 |
| Clay County Missouri | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Jefferson County Missouri | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Ray County Missouri | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| St. Francois County Missouri | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Webster County Missouri | 1 | $ 10,000 | $ 10,000 | $ 21,000 |
| Yellowstone County Montana | 1 | $ 13,000 | $ 13,000 | $ 92,000 |
| Custer County Nebraska | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Dawes County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Douglas County Nebraska | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Hall County Nebraska | 1 | $ 46,000 | $ 46,000 | $ 67,000 |
| Lancaster County Nebraska | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Nemaha County Nebraska | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Strafford County New Hampshire | 1 | $ 52,000 | $ 52,000 | $ 108,000 |
| Burlington County New Jersey | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Essex County New Jersey | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| Gloucester County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Mercer County New Jersey | 1 | $ 12,000 | $ 12,000 | $ 231,000 |
| Somerset County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Sussex County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Bernalillo County New Mexico | 1 | $ 44,000 | $ 44,000 | $ 86,000 |
| Grant County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Sandoval County New Mexico | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Santa Fe County New Mexico | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Dutchess County New York | 1 | $ 10,000 | $ 10,000 | $ 115,000 |
| Franklin County New York | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Fulton County New York | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Greene County New York | 1 | $ 20,000 | $ 20,000 | $ 181,000 |
| Monroe County New York | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Otsego County New York | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Rensselaer County New York | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Richmond County New York | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Saratoga County New York | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Sullivan County New York | 1 | $ 33,000 | $ 33,000 | $ 65,000 |
| Ulster County New York | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Wyoming County New York | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Alamance County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Buncombe County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Cabarrus County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Caldwell County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Columbus County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Lenoir County North Carolina | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| Lincoln County North Carolina | 1 | $ 41,000 | $ 41,000 | $ 50,000 |
| Macon County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Mecklenburg County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| New Hanover County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 44,000 |
| Pender County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Pitt County North Carolina | 1 | $ 21,000 | $ 21,000 | $ 38,000 |
| Randolph County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Union County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 95,000 |
| Cass County North Dakota | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Morton County North Dakota | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Butler County Ohio | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Defiance County Ohio | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Jackson County Ohio | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Montgomery County Ohio | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Pickaway County Ohio | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Scioto County Ohio | 1 | $ 12,000 | $ 12,000 | $ 60,000 |
| Trumbull County Ohio | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Tuscarawas County Ohio | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Williams County Ohio | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| Cleveland County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Custer County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Delaware County Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 130,000 |
| Kay County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Okmulgee County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Woodward County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Clackamas County Oregon | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Harney County Oregon | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Jackson County Oregon | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Washington County Oregon | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Adams County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Allegheny County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Berks County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Bucks County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Cambria County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Cameron County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Cumberland County Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Franklin County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Huntingdon County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Lancaster County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Lehigh County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 208,000 |
| McKean County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Montour County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Northampton County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Northumberland County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Snyder County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 175,000 |
| Wayne County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Westmoreland County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 56,000 |
| Allendale County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Cherokee County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Florence County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Horry County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| York County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Codington County South Dakota | 1 | $ 12,000 | $ 12,000 | $ 38,000 |
| Minnehaha County South Dakota | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Anderson County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Bradley County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Campbell County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 46,000 |
| Davidson County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Greene County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Hamblen County Tennessee | 1 | $ 17,000 | $ 17,000 | $ 52,000 |
| Henderson County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Roane County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Scott County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Shelby County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Dallas County Texas | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Summit County Utah | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Tooele County Utah | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Utah County Utah | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Orange County Vermont | 1 | $ 40,000 | $ 40,000 | $ 105,000 |
| Windsor County Vermont | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Augusta County Virginia | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Chesapeake County Virginia | 1 | $ 32,000 | $ 32,000 | $ 58,000 |
| Fairfax City County Virginia | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Fauquier County Virginia | 1 | $ 92,000 | $ 92,000 | $ 85,000 |
| Henry County Virginia | 1 | $ 61,000 | $ 61,000 | $ 30,000 |
| King George County Virginia | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Orange County Virginia | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Portsmouth County Virginia | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Spotsylvania County Virginia | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Warren County Virginia | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Chelan County Washington | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Clallam County Washington | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Clark County Washington | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Douglas County Washington | 1 | $ 51,000 | $ 51,000 | $ 38,000 |
| Grays Harbor County Washington | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Lewis County Washington | 1 | $ 60,000 | $ 60,000 | $ 127,000 |
| Pierce County Washington | 1 | $ 43,000 | $ 43,000 | $ 66,000 |
| Wahkiakum County Washington | 1 | $ 62,000 | $ 62,000 | $ 113,000 |
| Jefferson County West Virginia | 1 | $ 28,000 | $ 28,000 | $ 93,000 |
| Mingo County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Ohio County West Virginia | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Barron County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Dane County Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 102,000 |
| Fond du Lac County Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Milwaukee County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Monroe County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Ozaukee County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Racine County Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Vilas County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Walworth County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Washburn County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Johnson County 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.