Discover Bank Mortgage Lending & HMDA Data, 2005

In 2005, Discover Bank of Greenwood, DE reported 2,159 mortgage applications totaling $118.7 million, up 102% from 2004. The average application was for $54,988, and applicants reported an average income of $65,726. 24% of its applications resulted in an originated loan and 48% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (69), Dover, DE (58) and Los Angeles-Long Beach-Glendale, CA (56) (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 2,159
Total Mortgage Loan Application Amount $118,720,000
Average Mortgage Loan Application Amount $54,988
Highest Mortgage Loan Application Amount $360,000
Average Applicant Income $65,726
Highest Applicant Income $1,060,000

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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Discover Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sussex, Delaware 173 $ 18,857,000 $ 109,000 $ 60,000
Kent, Delaware 58 $ 6,036,000 $ 104,068 $ 52,000
Los Angeles, California 56 $ 4,840,000 $ 86,428 $ 99,000
Cook, Illinois 43 $ 2,134,000 $ 49,627 $ 73,000
Maricopa, Arizona 37 $ 1,760,000 $ 47,567 $ 87,000
Riverside, California 21 $ 1,546,000 $ 73,619 $ 94,000
Salt Lake, Utah 20 $ 845,000 $ 42,250 $ 64,000
Clark, Nevada 17 $ 1,117,000 $ 65,705 $ 87,000
Suffolk, New York 16 $ 1,207,000 $ 75,437 $ 107,000
Nassau, New York 15 $ 1,212,000 $ 80,800 $ 87,000
Orange, California 14 $ 821,000 $ 58,642 $ 104,000
Middlesex, Massachusetts 14 $ 1,056,000 $ 75,428 $ 69,000
Queens, New York 14 $ 919,000 $ 65,642 $ 55,000
Sacramento, California 13 $ 869,000 $ 66,846 $ 89,000
San Bernardino, California 12 $ 637,000 $ 53,083 $ 69,000
Broward, Florida 12 $ 470,000 $ 39,166 $ 56,000
Miami-Dade, Florida 12 $ 651,000 $ 54,250 $ 70,000
Lake, Illinois 12 $ 684,000 $ 57,000 $ 85,000
Genesee, Michigan 12 $ 583,000 $ 48,583 $ 74,000
Bergen, New Jersey 12 $ 847,000 $ 70,583 $ 87,000
Pima, Arizona 11 $ 535,000 $ 48,636 $ 75,000
San Diego, California 11 $ 725,000 $ 65,909 $ 72,000
Kings, New York 11 $ 595,000 $ 54,090 $ 68,000
Philadelphia, Pennsylvania 11 $ 687,000 $ 62,454 $ 54,000
Brevard, Florida 10 $ 402,000 $ 40,200 $ 55,000
Pinellas, Florida 10 $ 634,000 $ 63,400 $ 81,000
DuPage, Illinois 10 $ 725,000 $ 72,500 $ 123,000
Will, Illinois 10 $ 400,000 $ 40,000 $ 84,000
Wayne, Michigan 10 $ 583,000 $ 58,300 $ 79,000
Franklin, Ohio 10 $ 289,000 $ 28,900 $ 64,000
Ventura, California 9 $ 630,000 $ 70,000 $ 98,000
Hennepin, Minnesota 9 $ 283,000 $ 31,444 $ 54,000
Knox, Tennessee 9 $ 417,000 $ 46,333 $ 66,000
King, Washington 9 $ 542,000 $ 60,222 $ 71,000
Contra Costa, California 8 $ 432,000 $ 54,000 $ 84,000
Hartford, Connecticut 8 $ 535,000 $ 66,875 $ 92,000
Macomb, Michigan 8 $ 413,000 $ 51,625 $ 76,000
Middlesex, New Jersey 8 $ 442,000 $ 55,250 $ 79,000
Providence, Rhode Island 8 $ 438,000 $ 54,750 $ 108,000
San Joaquin, California 7 $ 512,000 $ 73,142 $ 55,000
Fairfield, Connecticut 7 $ 371,000 $ 53,000 $ 58,000
New Haven, Connecticut 7 $ 243,000 $ 34,714 $ 50,000
Duval, Florida 7 $ 365,000 $ 52,142 $ 70,000
Hillsborough, Florida 7 $ 292,000 $ 41,714 $ 48,000
Palm Beach, Florida 7 $ 389,000 $ 55,571 $ 73,000
St. Lucie, Florida 7 $ 295,000 $ 42,142 $ 47,000
Montgomery, Maryland 7 $ 325,000 $ 46,428 $ 68,000
Bristol, Massachusetts 7 $ 268,000 $ 38,285 $ 68,000
Worcester, Massachusetts 7 $ 285,000 $ 40,714 $ 57,000
St. Louis, Missouri 7 $ 429,000 $ 61,285 $ 79,000
Atlantic, New Jersey 7 $ 650,000 $ 92,857 $ 70,000
Burlington, New Jersey 7 $ 535,000 $ 76,428 $ 91,000
Camden, New Jersey 7 $ 208,000 $ 29,714 $ 68,000
Bronx, New York 7 $ 528,000 $ 75,428 $ 74,000
Snohomish, Washington 7 $ 575,000 $ 82,142 $ 100,000
Dane, Wisconsin 7 $ 243,000 $ 34,714 $ 94,000
Sarasota, Florida 6 $ 275,000 $ 45,833 $ 65,000
Baltimore, Maryland 6 $ 305,000 $ 50,833 $ 59,000
Oakland, Michigan 6 $ 296,000 $ 49,333 $ 49,000
Cape May, New Jersey 6 $ 245,000 $ 40,833 $ 44,000
Essex, New Jersey 6 $ 270,000 $ 45,000 $ 138,000
Hudson, New Jersey 6 $ 594,000 $ 99,000 $ 79,000
Lucas, Ohio 6 $ 132,000 $ 22,000 $ 58,000
Delaware, Pennsylvania 6 $ 246,000 $ 41,000 $ 71,000
Virginia Beach, Virginia 6 $ 390,000 $ 65,000 $ 75,000
Solano, California 5 $ 185,000 $ 37,000 $ 51,000
El Paso, Colorado 5 $ 430,000 $ 86,000 $ 93,000
New Castle, Delaware 5 $ 243,000 $ 48,600 $ 58,000
Hernando, Florida 5 $ 200,000 $ 40,000 $ 53,000
Lake, Florida 5 $ 296,000 $ 59,200 $ 67,000
Lee, Florida 5 $ 187,000 $ 37,400 $ 82,000
Leon, Florida 5 $ 270,000 $ 54,000 $ 67,000
Marion, Florida 5 $ 265,000 $ 53,000 $ 60,000
Seminole, Florida 5 $ 163,000 $ 32,600 $ 95,000
Cobb, Georgia 5 $ 180,000 $ 36,000 $ 95,000
Polk, Iowa 5 $ 140,000 $ 28,000 $ 64,000
Cumberland, Maine 5 $ 178,000 $ 35,600 $ 55,000
Kent, Michigan 5 $ 221,000 $ 44,200 $ 59,000
Jefferson, Missouri 5 $ 185,000 $ 37,000 $ 52,000
Gallatin, Montana 5 $ 259,000 $ 51,800 $ 31,000
Dutchess, New York 5 $ 370,000 $ 74,000 $ 81,000
Erie, New York 5 $ 150,000 $ 30,000 $ 81,000
Richmond, New York 5 $ 370,000 $ 74,000 $ 76,000
Rockland, New York 5 $ 470,000 $ 94,000 $ 66,000
Montgomery, Ohio 5 $ 137,000 $ 27,400 $ 55,000
Oklahoma, Oklahoma 5 $ 228,000 $ 45,600 $ 54,000
Fairfax, Virginia 5 $ 253,000 $ 50,600 $ 76,000
Pierce, Washington 5 $ 253,000 $ 50,600 $ 72,000
Jefferson, Alabama 4 $ 145,000 $ 36,250 $ 74,000
Alameda, California 4 $ 340,000 $ 85,000 $ 119,000
San Francisco, California 4 $ 505,000 $ 126,250 $ 145,000
Santa Clara, California 4 $ 400,000 $ 100,000 $ 130,000
Denver, Colorado 4 $ 394,000 $ 98,500 $ 79,000
Larimer, Colorado 4 $ 208,000 $ 52,000 $ 71,000
Charlotte, Florida 4 $ 303,000 $ 75,750 $ 51,000
Flagler, Florida 4 $ 82,000 $ 20,500 $ 68,000
Orange, Florida 4 $ 109,000 $ 27,250 $ 32,000
Polk, Florida 4 $ 205,000 $ 51,250 $ 63,000
Carroll, Georgia 4 $ 81,000 $ 20,250 $ 49,000
Gwinnett, Georgia 4 $ 215,000 $ 53,750 $ 78,000
Henry, Georgia 4 $ 130,000 $ 32,500 $ 71,000
Muscogee, Georgia 4 $ 145,000 $ 36,250 $ 72,000
Marion, Indiana 4 $ 140,000 $ 35,000 $ 55,000
Johnson, Kansas 4 $ 217,000 $ 54,250 $ 54,000
Prince George's, Maryland 4 $ 140,000 $ 35,000 $ 64,000
Washington, Maryland 4 $ 150,000 $ 37,500 $ 66,000
Suffolk, Massachusetts 4 $ 500,000 $ 125,000 $ 44,000
Shiawassee, Michigan 4 $ 154,000 $ 38,500 $ 61,000
St. Louis, Minnesota 4 $ 243,000 $ 60,750 $ 61,000
Boone, Missouri 4 $ 59,000 $ 14,750 $ 40,000
Jackson, Missouri 4 $ 81,000 $ 20,250 $ 67,000
Douglas, Nebraska 4 $ 173,000 $ 43,250 $ 173,000
Hillsborough, New Hampshire 4 $ 200,000 $ 50,000 $ 63,000
Rockingham, New Hampshire 4 $ 339,000 $ 84,750 $ 81,000
Clinton, New York 4 $ 137,000 $ 34,250 $ 55,000
Oneida, New York 4 $ 103,000 $ 25,750 $ 33,000
Onondaga, New York 4 $ 250,000 $ 62,500 $ 88,000
Orange, New York 4 $ 162,000 $ 40,500 $ 47,000
Westchester, New York 4 $ 135,000 $ 33,750 $ 94,000
Wake, North Carolina 4 $ 220,000 $ 55,000 $ 72,000
Lackawanna, Pennsylvania 4 $ 100,000 $ 25,000 $ 32,000
Luzerne, Pennsylvania 4 $ 112,000 $ 28,000 $ 40,000
Davidson, Tennessee 4 $ 182,000 $ 45,500 $ 32,000
Utah, Utah 4 $ 120,000 $ 30,000 $ 73,000
Prince William, Virginia 4 $ 165,000 $ 41,250 $ 69,000
Marion, West Virginia 4 $ 87,000 $ 21,750 $ 30,000
Milwaukee, Wisconsin 4 $ 175,000 $ 43,750 $ 53,000
Etowah, Alabama 3 $ 202,000 $ 67,333 $ 49,000
Fresno, California 3 $ 138,000 $ 46,000 $ 40,000
Kern, California 3 $ 95,000 $ 31,666 $ 66,000
San Mateo, California 3 $ 361,000 $ 120,333 $ 73,000
Stanislaus, California 3 $ 155,000 $ 51,666 $ 75,000
Adams, Colorado 3 $ 90,000 $ 30,000 $ 42,000
Jefferson, Colorado 3 $ 183,000 $ 61,000 $ 60,000
Mesa, Colorado 3 $ 149,000 $ 49,666 $ 84,000
Pueblo, Colorado 3 $ 75,000 $ 25,000 $ 44,000
Litchfield, Connecticut 3 $ 100,000 $ 33,333 $ 58,000
Windham, Connecticut 3 $ 62,000 $ 20,666 $ 33,000
Manatee, Florida 3 $ 175,000 $ 58,333 $ 78,000
Okaloosa, Florida 3 $ 80,000 $ 26,666 $ 38,000
Pasco, Florida 3 $ 198,000 $ 66,000 $ 54,000
St. Johns, Florida 3 $ 183,000 $ 61,000 $ 58,000
Volusia, Florida 3 $ 65,000 $ 21,666 $ 51,000
Kane, Illinois 3 $ 130,000 $ 43,333 $ 45,000
Lake, Indiana 3 $ 51,000 $ 17,000 $ 24,000
Marshall, Indiana 3 $ 135,000 $ 45,000 $ 79,000
Scott, Iowa 3 $ 146,000 $ 48,666 $ 41,000
Waldo, Maine 3 $ 116,000 $ 38,666 $ 44,000
York, Maine 3 $ 131,000 $ 43,666 $ 43,000
Baltimore City, Maryland 3 $ 62,000 $ 20,666 $ 81,000
Essex, Massachusetts 3 $ 115,000 $ 38,333 $ 96,000
Hampden, Massachusetts 3 $ 141,000 $ 47,000 $ 80,000
Plymouth, Massachusetts 3 $ 285,000 $ 95,000 $ 168,000
Allegan, Michigan 3 $ 80,000 $ 26,666 $ 48,000
St. Clair, Michigan 3 $ 90,000 $ 30,000 $ 64,000
DeSoto, Mississippi 3 $ 86,000 $ 28,666 $ 48,000
St. Charles, Missouri 3 $ 60,000 $ 20,000 $ 66,000
Washoe, Nevada 3 $ 300,000 $ 100,000 $ 54,000
Grafton, New Hampshire 3 $ 225,000 $ 75,000 $ 43,000
Ocean, New Jersey 3 $ 110,000 $ 36,666 $ 56,000
Somerset, New Jersey 3 $ 120,000 $ 40,000 $ 110,000
Sussex, New Jersey 3 $ 65,000 $ 21,666 $ 63,000
Warren, New Jersey 3 $ 305,000 $ 101,666 $ 96,000
Bernalillo, New Mexico 3 $ 68,000 $ 22,666 $ 36,000
Chautauqua, New York 3 $ 78,000 $ 26,000 $ 33,000
Monroe, New York 3 $ 45,000 $ 15,000 $ 41,000
Sullivan, New York 3 $ 160,000 $ 53,333 $ 147,000
Tompkins, New York 3 $ 150,000 $ 50,000 $ 116,000
Craven, North Carolina 3 $ 68,000 $ 22,666 $ 72,000
Forsyth, North Carolina 3 $ 224,000 $ 74,666 $ 77,000
Cass, North Dakota 3 $ 54,000 $ 18,000 $ 77,000
Grand Forks, North Dakota 3 $ 89,000 $ 29,666 $ 61,000
Fairfield, Ohio 3 $ 58,000 $ 19,333 $ 51,000
Greene, Ohio 3 $ 70,000 $ 23,333 $ 59,000
Hamilton, Ohio 3 $ 113,000 $ 37,666 $ 47,000
Scioto, Ohio 3 $ 88,000 $ 29,333 $ 48,000
Stark, Ohio 3 $ 88,000 $ 29,333 $ 39,000
Summit, Ohio 3 $ 115,000 $ 38,333 $ 55,000
Douglas, Oregon 3 $ 85,000 $ 28,333 $ 39,000
Marion, Oregon 3 $ 70,000 $ 23,333 $ 56,000
Polk, Oregon 3 $ 230,000 $ 76,666 $ 101,000
Washington, Oregon 3 $ 107,000 $ 35,666 $ 54,000
Allegheny, Pennsylvania 3 $ 80,000 $ 26,666 $ 58,000
Bucks, Pennsylvania 3 $ 150,000 $ 50,000 $ 157,000
Dauphin, Pennsylvania 3 $ 120,000 $ 40,000 $ 74,000
Monroe, Pennsylvania 3 $ 100,000 $ 33,333 $ 107,000
Northampton, Pennsylvania 3 $ 248,000 $ 82,666 $ 55,000
Northumberland, Pennsylvania 3 $ 93,000 $ 31,000 $ 40,000
Washington, Pennsylvania 3 $ 65,000 $ 21,666 $ 28,000
Wayne, Pennsylvania 3 $ 240,000 $ 80,000 $ 68,000
Westmoreland, Pennsylvania 3 $ 157,000 $ 52,333 $ 67,000
York, Pennsylvania 3 $ 156,000 $ 52,000 $ 114,000
Charleston, South Carolina 3 $ 292,000 $ 97,333 $ 87,000
Richland, South Carolina 3 $ 111,000 $ 37,000 $ 61,000
Hamilton, Tennessee 3 $ 70,000 $ 23,333 $ 53,000
Davis, Utah 3 $ 97,000 $ 32,333 $ 66,000
Caledonia, Vermont 3 $ 217,000 $ 72,333 $ 119,000
Henrico, Virginia 3 $ 111,000 $ 37,000 $ 32,000
Dale, Alabama 2 $ 60,000 $ 30,000 $ 81,000
Geneva, Alabama 2 $ 225,000 $ 112,500 $ 35,000
Shelby, Alabama 2 $ 65,000 $ 32,500 $ 90,000
Yuma, Arizona 2 $ 80,000 $ 40,000 $ 28,000
Butte, California 2 $ 80,000 $ 40,000 $ 78,000
Humboldt, California 2 $ 190,000 $ 95,000 $ 33,000
Imperial, California 2 $ 150,000 $ 75,000 $ 85,000
Madera, California 2 $ 80,000 $ 40,000 $ 43,000
Merced, California 2 $ 80,000 $ 40,000 $ 33,000
San Luis Obispo, California 2 $ 240,000 $ 120,000 $ 54,000
Shasta, California 2 $ 115,000 $ 57,500 $ 67,000
Douglas, Colorado 2 $ 125,000 $ 62,500 $ 212,000
Montrose, Colorado 2 $ 70,000 $ 35,000 $ 50,000
Weld, Colorado 2 $ 55,000 $ 27,500 $ 35,000
Middlesex, Connecticut 2 $ 66,000 $ 33,000 $ 62,000
New London, Connecticut 2 $ 250,000 $ 125,000 $ 57,000
Alachua, Florida 2 $ 40,000 $ 20,000 $ 37,000
Collier, Florida 2 $ 85,000 $ 42,500 $ 84,000
Escambia, Florida 2 $ 217,000 $ 108,500 $ 53,000
Jackson, Florida 2 $ 90,000 $ 45,000 $ 56,000
Clayton, Georgia 2 $ 25,000 $ 12,500 $ 59,000
DeKalb, Georgia 2 $ 77,000 $ 38,500 $ 68,000
Fulton, Georgia 2 $ 56,000 $ 28,000 $ 41,000
Bonneville, Idaho 2 $ 60,000 $ 30,000 $ 70,000
Greene, Illinois 2 $ 71,000 $ 35,500 $ 28,000
Henry, Illinois 2 $ 50,000 $ 25,000 $ 89,000
Jackson, Illinois 2 $ 100,000 $ 50,000 $ 67,000
Kendall, Illinois 2 $ 25,000 $ 12,500 $ 103,000
Tazewell, Illinois 2 $ 34,000 $ 17,000 $ 90,000
Winnebago, Illinois 2 $ 65,000 $ 32,500 $ 65,000
Dubois, Indiana 2 $ 60,000 $ 30,000 $ 90,000
Hamilton, Indiana 2 $ 35,000 $ 17,500 $ 92,000
Henry, Indiana 2 $ 74,000 $ 37,000 $ 49,000
LaPorte, Indiana 2 $ 57,000 $ 28,500 $ 37,000
Madison, Indiana 2 $ 45,000 $ 22,500 $ 31,000
Miami, Indiana 2 $ 59,000 $ 29,500 $ 91,000
Porter, Indiana 2 $ 123,000 $ 61,500 $ 48,000
Scott, Indiana 2 $ 50,000 $ 25,000 $ 56,000
Wabash, Indiana 2 $ 78,000 $ 39,000 $ 21,000
Linn, Iowa 2 $ 40,000 $ 20,000 $ 43,000
Butler, Kansas 2 $ 89,000 $ 44,500 $ 66,000
Crawford, Kansas 2 $ 47,000 $ 23,500 $ 37,000
Leavenworth, Kansas 2 $ 49,000 $ 24,500 $ 110,000
Sedgwick, Kansas 2 $ 108,000 $ 54,000 $ 20,000
Washington, Kansas 2 $ 65,000 $ 32,500 $ 38,000
Fayette, Kentucky 2 $ 65,000 $ 32,500 $ 66,000
Franklin, Kentucky 2 $ 88,000 $ 44,000 $ 71,000
Hardin, Kentucky 2 $ 56,000 $ 28,000 $ 42,000
Jefferson, Kentucky 2 $ 32,000 $ 16,000 $ 34,000
Kenton, Kentucky 2 $ 55,000 $ 27,500 $ 32,000
Caddo, Louisiana 2 $ 47,000 $ 23,500 $ 35,000
East Baton Rouge, Louisiana 2 $ 140,000 $ 70,000 $ 32,000
St. John the Baptist, Louisiana 2 $ 40,000 $ 20,000 $ 50,000
Hancock, Maine 2 $ 135,000 $ 67,500 $ 39,000
Anne Arundel, Maryland 2 $ 167,000 $ 83,500 $ 46,000
Carroll, Maryland 2 $ 65,000 $ 32,500 $ 22,000
Charles, Maryland 2 $ 95,000 $ 47,500 $ 114,000
Harford, Maryland 2 $ 50,000 $ 25,000 $ 92,000
Howard, Maryland 2 $ 140,000 $ 70,000 $ 130,000
St. Mary's, Maryland 2 $ 60,000 $ 30,000 $ 58,000
Wicomico, Maryland 2 $ 160,000 $ 80,000 $ 48,000
Hampshire, Massachusetts 2 $ 160,000 $ 80,000 $ 52,000
Norfolk, Massachusetts 2 $ 75,000 $ 37,500 $ 110,000
Barry, Michigan 2 $ 34,000 $ 17,000 $ 66,000
Isabella, Michigan 2 $ 31,000 $ 15,500 $ 46,000
Kalamazoo, Michigan 2 $ 112,000 $ 56,000 $ 53,000
Mecosta, Michigan 2 $ 67,000 $ 33,500 $ 67,000
Monroe, Michigan 2 $ 90,000 $ 45,000 $ 66,000
Ottawa, Michigan 2 $ 70,000 $ 35,000 $ 39,000
Van Buren, Michigan 2 $ 60,000 $ 30,000 $ 77,000
Otter Tail, Minnesota 2 $ 65,000 $ 32,500 $ 31,000
Ramsey, Minnesota 2 $ 55,000 $ 27,500 $ 40,000
Washington, Minnesota 2 $ 53,000 $ 26,500 $ 35,000
Callaway, Missouri 2 $ 111,000 $ 55,500 $ 53,000
Franklin, Missouri 2 $ 65,000 $ 32,500 $ 56,000
Jasper, Missouri 2 $ 60,000 $ 30,000 $ 21,000
Yellowstone, Montana 2 $ 31,000 $ 15,500 $ 60,000
Lyon, Nevada 2 $ 100,000 $ 50,000 $ 62,000
Cheshire, New Hampshire 2 $ 65,000 $ 32,500 $ 44,000
Strafford, New Hampshire 2 $ 100,000 $ 50,000 $ 63,000
Gloucester, New Jersey 2 $ 250,000 $ 125,000 $ 67,000
Morris, New Jersey 2 $ 320,000 $ 160,000 $ 108,000
Union, New Jersey 2 $ 70,000 $ 35,000 $ 75,000
Dona Ana, New Mexico 2 $ 192,000 $ 96,000 $ 79,000
Santa Fe, New Mexico 2 $ 70,000 $ 35,000 $ 60,000
Greene, New York 2 $ 110,000 $ 55,000 $ 77,000
Jefferson, New York 2 $ 90,000 $ 45,000 $ 31,000
Livingston, New York 2 $ 65,000 $ 32,500 $ 58,000
Niagara, New York 2 $ 88,000 $ 44,000 $ 72,000
Putnam, New York 2 $ 165,000 $ 82,500 $ 135,000
St. Lawrence, New York 2 $ 50,000 $ 25,000 $ 40,000
Washington, New York 2 $ 95,000 $ 47,500 $ 42,000
Wayne, New York 2 $ 80,000 $ 40,000 $ 42,000
Wyoming, New York 2 $ 100,000 $ 50,000 $ 53,000
Edgecombe, North Carolina 2 $ 72,000 $ 36,000 $ 68,000
New Hanover, North Carolina 2 $ 61,000 $ 30,500 $ 71,000
Ward, North Dakota 2 $ 40,000 $ 20,000 $ 23,000
Mahoning, Ohio 2 $ 75,000 $ 37,500 $ 73,000
Medina, Ohio 2 $ 70,000 $ 35,000 $ 82,000
Trumbull, Ohio 2 $ 80,000 $ 40,000 $ 43,000
Haskell, Oklahoma 2 $ 40,000 $ 20,000 $ 123,000
Pottawatomie, Oklahoma 2 $ 72,000 $ 36,000 $ 55,000
Rogers, Oklahoma 2 $ 45,000 $ 22,500 $ 51,000
Clackamas, Oregon 2 $ 125,000 $ 62,500 $ 49,000
Lane, Oregon 2 $ 205,000 $ 102,500 $ 55,000
Multnomah, Oregon 2 $ 84,000 $ 42,000 $ 82,000
Beaver, Pennsylvania 2 $ 65,000 $ 32,500 $ 70,000
Berks, Pennsylvania 2 $ 65,000 $ 32,500 $ 97,000
Blair, Pennsylvania 2 $ 80,000 $ 40,000 $ 77,000
Chester, Pennsylvania 2 $ 140,000 $ 70,000 $ 45,000
Lawrence, Pennsylvania 2 $ 110,000 $ 55,000 $ 44,000
Lehigh, Pennsylvania 2 $ 76,000 $ 38,000 $ 41,000
Mercer, Pennsylvania 2 $ 55,000 $ 27,500 $ 73,000
Pike, Pennsylvania 2 $ 41,000 $ 20,500 $ 46,000
Tioga, Pennsylvania 2 $ 58,000 $ 29,000 $ 50,000
Washington, Rhode Island 2 $ 88,000 $ 44,000 $ 52,000
Lexington, South Carolina 2 $ 113,000 $ 56,500 $ 133,000
Campbell, Tennessee 2 $ 45,000 $ 22,500 $ 29,000
Carroll, Tennessee 2 $ 67,000 $ 33,500 $ 104,000
Coffee, Tennessee 2 $ 34,000 $ 17,000 $ 32,000
Montgomery, Tennessee 2 $ 20,000 $ 10,000 $ 26,000
Shelby, Tennessee 2 $ 27,000 $ 13,500 $ 52,000
Washington, Utah 2 $ 85,000 $ 42,500 $ 65,000
Washington, Vermont 2 $ 190,000 $ 95,000 $ 52,000
Arlington, Virginia 2 $ 75,000 $ 37,500 $ 30,000
Frederick, Virginia 2 $ 213,000 $ 106,500 $ 89,000
Hanover, Virginia 2 $ 163,000 $ 81,500 $ 42,000
Stafford, Virginia 2 $ 150,000 $ 75,000 $ 152,000
Suffolk, Virginia 2 $ 72,000 $ 36,000 $ 43,000
Clark, Washington 2 $ 66,000 $ 33,000 $ 30,000
Spokane, Washington 2 $ 45,000 $ 22,500 $ 42,000
Thurston, Washington 2 $ 50,000 $ 25,000 $ 25,000
Whatcom, Washington 2 $ 55,000 $ 27,500 $ 96,000
Harrison, West Virginia 2 $ 109,000 $ 54,500 $ 22,000
Ohio, West Virginia 2 $ 170,000 $ 85,000 $ 70,000
Bayfield, Wisconsin 2 $ 60,000 $ 30,000 $ 38,000
Brown, Wisconsin 2 $ 90,000 $ 45,000 $ 35,000
Douglas, Wisconsin 2 $ 110,000 $ 55,000 $ 39,000
Marathon, Wisconsin 2 $ 35,000 $ 17,500 $ 78,000
Marinette, Wisconsin 2 $ 32,000 $ 16,000 $ 24,000
Rock, Wisconsin 2 $ 106,000 $ 53,000 $ 25,000
Trempealeau, Wisconsin 2 $ 59,000 $ 29,500 $ 60,000
Laramie, Wyoming 2 $ 65,000 $ 32,500 $ 61,000
Autauga, Alabama 1 $ 25,000 $ 25,000 $ 110,000
Baldwin, Alabama 1 $ 10,000 $ 10,000 $ 50,000
Blount, Alabama 1 $ 12,000 $ 12,000 $ 48,000
Colbert, Alabama 1 $ 70,000 $ 70,000 $ 35,000
Dallas, Alabama 1 $ 35,000 $ 35,000 $ 90,000
Elmore, Alabama 1 $ 21,000 $ 21,000 $ 18,000
Houston, Alabama 1 $ 28,000 $ 28,000 $ 144,000
Lauderdale, Alabama 1 $ 10,000 $ 10,000 $ 25,000
Lee, Alabama 1 $ 55,000 $ 55,000 $ 45,000
Madison, Alabama 1 $ 14,000 $ 14,000 $ 17,000
Mobile, Alabama 1 $ 25,000 $ 25,000 $ 45,000
Montgomery, Alabama 1 $ 40,000 $ 40,000 $ 7,000
Morgan, Alabama 1 $ 30,000 $ 30,000 $ 93,000
Russell, Alabama 1 $ 91,000 $ 91,000 $ 146,000
Talladega, Alabama 1 $ 18,000 $ 18,000 $ 15,000
Tuscaloosa, Alabama 1 $ 25,000 $ 25,000 $ 26,000
Cochise, Arizona 1 $ 50,000 $ 50,000 $ 121,000
Pinal, Arizona 1 $ 33,000 $ 33,000 $ 23,000
Yavapai, Arizona 1 $ 20,000 $ 20,000 $ 62,000
Poinsett, Arkansas 1 $ 10,000 $ 10,000 $ 50,000
Amador, California 1 $ 10,000 $ 10,000 $ 40,000
El Dorado, California 1 $ 165,000 $ 165,000 $ 246,000
Kings, California 1 $ 25,000 $ 25,000 $ 40,000
Lake, California 1 $ 15,000 $ 15,000 $ 43,000
Marin, California 1 $ 15,000 $ 15,000 $ 75,000
Monterey, California 1 $ 250,000 $ 250,000 $ 80,000
Placer, California 1 $ 65,000 $ 65,000 $ 120,000
San Benito, California 1 $ 40,000 $ 40,000 $ 102,000
Santa Barbara, California 1 $ 140,000 $ 140,000 $ 129,000
Santa Cruz, California 1 $ 25,000 $ 25,000 $ 76,000
Sutter, California 1 $ 40,000 $ 40,000 $ 92,000
Tehama, California 1 $ 25,000 $ 25,000 $ 42,000
Trinity, California 1 $ 25,000 $ 25,000 $ 20,000
Tulare, California 1 $ 70,000 $ 70,000 $ 45,000
Yolo, California 1 $ 30,000 $ 30,000 $ 46,000
Alamosa, Colorado 1 $ 50,000 $ 50,000 $ 100,000
Custer, Colorado 1 $ 50,000 $ 50,000 $ 61,000
Delta, Colorado 1 $ 35,000 $ 35,000 $ 48,000
Eagle, Colorado 1 $ 30,000 $ 30,000 $ 58,000
Elbert, Colorado 1 $ 64,000 $ 64,000 $ 106,000
Montezuma, Colorado 1 $ 25,000 $ 25,000 $ 34,000
Park, Colorado 1 $ 150,000 $ 150,000 $ 23,000
Bay, Florida 1 $ 40,000 $ 40,000 $ 67,000
Citrus, Florida 1 $ 105,000 $ 105,000 $ 36,000
Clay, Florida 1 $ 75,000 $ 75,000 $ 122,000
Gadsden, Florida 1 $ 100,000 $ 100,000 $ 93,000
Hendry, Florida 1 $ 150,000 $ 150,000 $ 27,000
Indian River, Florida 1 $ 15,000 $ 15,000 $ 20,000
Martin, Florida 1 $ 70,000 $ 70,000 $ 55,000
Okeechobee, Florida 1 $ 20,000 $ 20,000 $ 69,000
Osceola, Florida 1 $ 25,000 $ 25,000 $ 45,000
Putnam, Florida 1 $ 80,000 $ 80,000 $ 25,000
Baldwin, Georgia 1 $ 90,000 $ 90,000 $ 66,000
Camden, Georgia 1 $ 14,000 $ 14,000 $ 80,000
Catoosa, Georgia 1 $ 27,000 $ 27,000 $ 90,000
Cherokee, Georgia 1 $ 50,000 $ 50,000 $ 99,000
Clarke, Georgia 1 $ 30,000 $ 30,000 $ 42,000
Columbia, Georgia 1 $ 29,000 $ 29,000 $ 115,000
Coweta, Georgia 1 $ 17,000 $ 17,000 $ 24,000
Douglas, Georgia 1 $ 40,000 $ 40,000 $ 89,000
Forsyth, Georgia 1 $ 30,000 $ 30,000 $ 35,000
Habersham, Georgia 1 $ 71,000 $ 71,000 $ 48,000
Lee, Georgia 1 $ 125,000 $ 125,000 $ 110,000
Long, Georgia 1 $ 20,000 $ 20,000 $ 145,000
Lowndes, Georgia 1 $ 77,000 $ 77,000 $ 63,000
Lumpkin, Georgia 1 $ 54,000 $ 54,000 $ 60,000
McIntosh, Georgia 1 $ 50,000 $ 50,000 $ 63,000
Newton, Georgia 1 $ 30,000 $ 30,000 $ 54,000
Paulding, Georgia 1 $ 25,000 $ 25,000 $ 56,000
Pickens, Georgia 1 $ 25,000 $ 25,000 $ 35,000
Pulaski, Georgia 1 $ 60,000 $ 60,000 $ 39,000
Spalding, Georgia 1 $ 28,000 $ 28,000 $ 36,000
Sumter, Georgia 1 $ 34,000 $ 34,000 $ 65,000
Toombs, Georgia 1 $ 38,000 $ 38,000 $ 35,000
Treutlen, Georgia 1 $ 28,000 $ 28,000 $ 48,000
Walton, Georgia 1 $ 35,000 $ 35,000 $ 107,000
Ware, Georgia 1 $ 21,000 $ 21,000 $ 57,000
Wilkinson, Georgia 1 $ 20,000 $ 20,000 $ 80,000
Worth, Georgia 1 $ 100,000 $ 100,000 $ 85,000
Honolulu, Hawaii 1 $ 68,000 $ 68,000 $ 132,000
Ada, Idaho 1 $ 15,000 $ 15,000 $ 74,000
Bannock, Idaho 1 $ 17,000 $ 17,000 $ 22,000
Jefferson, Idaho 1 $ 42,000 $ 42,000 $ 24,000
Kootenai, Idaho 1 $ 45,000 $ 45,000 $ 29,000
Madison, Idaho 1 $ 26,000 $ 26,000 $ 41,000
Washington, Idaho 1 $ 30,000 $ 30,000 $ 32,000
Bureau, Illinois 1 $ 20,000 $ 20,000 $ 46,000
Champaign, Illinois 1 $ 22,000 $ 22,000 $ 75,000
Clark, Illinois 1 $ 50,000 $ 50,000 $ 16,000
DeKalb, Illinois 1 $ 55,000 $ 55,000 $ 143,000
Douglas, Illinois 1 $ 40,000 $ 40,000 $ 50,000
Fulton, Illinois 1 $ 30,000 $ 30,000 $ 27,000
Henderson, Illinois 1 $ 15,000 $ 15,000 $ 29,000
Jo Daviess, Illinois 1 $ 25,000 $ 25,000 $ 46,000
Kankakee, Illinois 1 $ 27,000 $ 27,000 $ 36,000
Mason, Illinois 1 $ 41,000 $ 41,000 $ 67,000
Montgomery, Illinois 1 $ 25,000 $ 25,000 $ 31,000
Ogle, Illinois 1 $ 32,000 $ 32,000 $ 68,000
Piatt, Illinois 1 $ 14,000 $ 14,000 $ 50,000
Rock Island, Illinois 1 $ 20,000 $ 20,000 $ 25,000
Sangamon, Illinois 1 $ 143,000 $ 143,000 $ 77,000
St. Clair, Illinois 1 $ 15,000 $ 15,000 $ 28,000
Stephenson, Illinois 1 $ 25,000 $ 25,000 $ 50,000
Vermilion, Illinois 1 $ 30,000 $ 30,000 $ 32,000
Williamson, Illinois 1 $ 30,000 $ 30,000 $ 75,000
Bartholomew, Indiana 1 $ 10,000 $ 10,000 $ 53,000
Hancock, Indiana 1 $ 50,000 $ 50,000 $ 100,000
Harrison, Indiana 1 $ 25,000 $ 25,000 $ 30,000
Hendricks, Indiana 1 $ 10,000 $ 10,000 $ 40,000
Howard, Indiana 1 $ 29,000 $ 29,000 $ 80,000
Jackson, Indiana 1 $ 15,000 $ 15,000 $ 50,000
Johnson, Indiana 1 $ 13,000 $ 13,000 $ 50,000
Martin, Indiana 1 $ 20,000 $ 20,000 $ 30,000
Morgan, Indiana 1 $ 45,000 $ 45,000 $ 90,000
Noble, Indiana 1 $ 20,000 $ 20,000 $ 40,000
Ohio, Indiana 1 $ 84,000 $ 84,000 $ 148,000
Shelby, Indiana 1 $ 50,000 $ 50,000 $ 12,000
Vanderburgh, Indiana 1 $ 50,000 $ 50,000 $ 30,000
White, Indiana 1 $ 26,000 $ 26,000 $ 99,000
Boone, Iowa 1 $ 144,000 $ 144,000 $ 93,000
Bremer, Iowa 1 $ 25,000 $ 25,000 $ 86,000
Clinton, Iowa 1 $ 10,000 $ 10,000 $ 58,000
Dubuque, Iowa 1 $ 10,000 $ 10,000 $ 25,000
Fayette, Iowa 1 $ 180,000 $ 180,000 $ 163,000
Guthrie, Iowa 1 $ 90,000 $ 90,000 $ 98,000
Hardin, Iowa 1 $ 10,000 $ 10,000 $ 47,000
Jackson, Iowa 1 $ 30,000 $ 30,000 $ 48,000
Marshall, Iowa 1 $ 25,000 $ 25,000 $ 36,000
Montgomery, Iowa 1 $ 35,000 $ 35,000 $ 97,000
Story, Iowa 1 $ 84,000 $ 84,000 $ 60,000
Wapello, Iowa 1 $ 12,000 $ 12,000 $ 44,000
Warren, Iowa 1 $ 35,000 $ 35,000 $ 145,000
Winneshiek, Iowa 1 $ 25,000 $ 25,000 $ 130,000
Woodbury, Iowa 1 $ 50,000 $ 50,000 $ 59,000
Chase, Kansas 1 $ 25,000 $ 25,000 $ 20,000
Cherokee, Kansas 1 $ 50,000 $ 50,000 $ 840,000
Franklin, Kansas 1 $ 15,000 $ 15,000 $ 70,000
Harvey, Kansas 1 $ 50,000 $ 50,000 $ 62,000
Linn, Kansas 1 $ 42,000 $ 42,000 $ 120,000
Allen, Kentucky 1 $ 29,000 $ 29,000 $ 60,000
Boone, Kentucky 1 $ 40,000 $ 40,000 $ 14,000
Campbell, Kentucky 1 $ 31,000 $ 31,000 $ 55,000
Clay, Kentucky 1 $ 20,000 $ 20,000 $ 42,000
Estill, Kentucky 1 $ 20,000 $ 20,000 $ 78,000
Jessamine, Kentucky 1 $ 19,000 $ 19,000 $ 40,000
Madison, Kentucky 1 $ 30,000 $ 30,000 $ 46,000
McCracken, Kentucky 1 $ 26,000 $ 26,000 $ 28,000
Meade, Kentucky 1 $ 51,000 $ 51,000 $ 26,000
Pendleton, Kentucky 1 $ 20,000 $ 20,000 $ 31,000
Pulaski, Kentucky 1 $ 30,000 $ 30,000 $ 16,000
Rockcastle, Kentucky 1 $ 16,000 $ 16,000 $ 19,000
Shelby, Kentucky 1 $ 13,000 $ 13,000 $ 37,000
Simpson, Kentucky 1 $ 120,000 $ 120,000 $ 35,000
Wayne, Kentucky 1 $ 45,000 $ 45,000 $ 81,000
Acadia, Louisiana 1 $ 20,000 $ 20,000 $ 71,000
Iberia, Louisiana 1 $ 10,000 $ 10,000 $ 29,000
Jefferson, Louisiana 1 $ 20,000 $ 20,000 $ 40,000
Richland, Louisiana 1 $ 14,000 $ 14,000 $ 40,000
St. Tammany, Louisiana 1 $ 10,000 $ 10,000 $ 14,000
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Mortgage Loan Application Detail Totals for Discover Bank in 2005

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 1,921 $93,014,000 $43,437 $250,000 $66,375 $1,060,000
Home Purchase 164 $21,315,000 $101,400 $360,000 $71,000 $200,000
Refinancing 74 $4,391,000 $53,727 $216,000 $66,909 $253,000

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 1,421 $75,625,000 $44,042 $360,000 $66,978 $840,000
Not Provided 299 $16,701,000 $48,209 $304,000 $62,906 $350,000
Hispanic 169 $11,407,000 $40,343 $250,000 $57,093 $1,060,000
Black or African American 146 $7,891,000 $53,718 $319,000 $66,843 $305,000
Asian 99 $5,955,000 $52,677 $250,000 $67,032 $231,000
Native Hawaiian or Other Pacific Islander 13 $590,000 $41,142 $100,000 $69,714 $250,000
American Indian or Alaskan Native 12 $551,000 $41,000 $135,000 $51,666 $110,000
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) 2,159 $118,720,000 $44,833 $360,000 $66,312 $1,060,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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 1,039 $53,427,000 $45,659 $250,000 $62,617 $1,060,000
Loan Originated 523 $22,328,000 $39,391 $220,000 $68,043 $409,000
Loan Purchased By The Institution 214 $24,223,000 $113,000 $360,000 $68,000 $253,000
Application Approved But Not Accepted 213 $9,507,000 $39,000 $165,000 $61,243 $246,000
Application Withdrawn By Applicant 170 $9,235,000 $48,000 $250,000 $66,333 $350,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
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 2005 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.
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