Discover Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Discover Bank 2005 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 2,159
Total Mortgage Loan Application Amount $118,720,000
Average Mortgage Loan Application Amount $49,734
Highest Mortgage Loan Application Amount $360,000
Average Applicant Income $66,828
Highest Applicant Income $1,060,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.

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