Discover Bank Mortgage Lending & HMDA Data, 2007
In 2007, Discover Bank of Greenwood, DE reported 855 mortgage applications totaling $73.3 million, down 74% from 2006. The average application was for $85,766, and applicants reported an average income of $75,587. 18% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Dover, DE (135), New York-White Plains-Wayne, NY-NJ (21) and Chicago-Naperville-Joliet, IL (18) (applications in parentheses).
| Mortgage Company & Address | Discover Bank 502 East Market Street Greenwood, DE 19950 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 855 |
| Total Mortgage Loan Application Amount | $73,330,000 |
| Average Mortgage Loan Application Amount | $85,766 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $75,587 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kent, Delaware | 135 | $ 23,984,000 | $ 177,659 | $ 48,000 |
| Sussex, Delaware | 83 | $ 13,391,000 | $ 161,337 | $ 46,000 |
| Maricopa, Arizona | 16 | $ 757,000 | $ 47,312 | $ 85,000 |
| Cook, Illinois | 11 | $ 535,000 | $ 48,636 | $ 70,000 |
| Los Angeles, California | 9 | $ 543,000 | $ 60,333 | $ 105,000 |
| Oklahoma, Oklahoma | 8 | $ 333,000 | $ 41,625 | $ 100,000 |
| Broward, Florida | 7 | $ 445,000 | $ 63,571 | $ 91,000 |
| St. Louis City, Missouri | 7 | $ 982,000 | $ 140,285 | $ 82,000 |
| Suffolk, New York | 7 | $ 588,000 | $ 84,000 | $ 120,000 |
| Montgomery, Pennsylvania | 7 | $ 385,000 | $ 55,000 | $ 106,000 |
| Harris, Texas | 7 | $ 311,000 | $ 44,428 | $ 85,000 |
| Wayne, Michigan | 6 | $ 228,000 | $ 38,000 | $ 56,000 |
| Monroe, New York | 6 | $ 196,000 | $ 32,666 | $ 60,000 |
| Wake, North Carolina | 6 | $ 294,000 | $ 49,000 | $ 138,000 |
| Pima, Arizona | 5 | $ 280,000 | $ 56,000 | $ 73,000 |
| Riverside, California | 5 | $ 257,000 | $ 51,400 | $ 56,000 |
| Cobb, Georgia | 5 | $ 264,000 | $ 52,800 | $ 93,000 |
| Baltimore, Maryland | 5 | $ 269,000 | $ 53,800 | $ 102,000 |
| Bronx, New York | 5 | $ 683,000 | $ 136,600 | $ 91,000 |
| Allegheny, Pennsylvania | 5 | $ 133,000 | $ 26,600 | $ 77,000 |
| Shelby, Tennessee | 5 | $ 184,000 | $ 36,800 | $ 60,000 |
| Collin, Texas | 5 | $ 204,000 | $ 40,800 | $ 135,000 |
| Jefferson, Alabama | 4 | $ 99,000 | $ 24,750 | $ 81,000 |
| Fresno, California | 4 | $ 175,000 | $ 43,750 | $ 62,000 |
| San Diego, California | 4 | $ 605,000 | $ 151,250 | $ 120,000 |
| Ventura, California | 4 | $ 192,000 | $ 48,000 | $ 111,000 |
| Orange, Florida | 4 | $ 263,000 | $ 65,750 | $ 125,000 |
| Middlesex, Massachusetts | 4 | $ 152,000 | $ 38,000 | $ 102,000 |
| Bergen, New Jersey | 4 | $ 170,000 | $ 42,500 | $ 72,000 |
| Essex, New Jersey | 4 | $ 490,000 | $ 122,500 | $ 279,000 |
| Middlesex, New Jersey | 4 | $ 597,000 | $ 149,250 | $ 123,000 |
| Ocean, New Jersey | 4 | $ 285,000 | $ 71,250 | $ 109,000 |
| Kings, New York | 4 | $ 145,000 | $ 36,250 | $ 76,000 |
| Orange, California | 3 | $ 290,000 | $ 96,666 | $ 126,000 |
| Miami-Dade, Florida | 3 | $ 302,000 | $ 100,666 | $ 126,000 |
| Lake, Illinois | 3 | $ 214,000 | $ 71,333 | $ 140,000 |
| Madison, Illinois | 3 | $ 135,000 | $ 45,000 | $ 148,000 |
| St. Clair, Illinois | 3 | $ 80,000 | $ 26,666 | $ 45,000 |
| Clark, Nevada | 3 | $ 235,000 | $ 78,333 | $ 118,000 |
| Sullivan, New Hampshire | 3 | $ 30,000 | $ 10,000 | $ 40,000 |
| Burlington, New Jersey | 3 | $ 178,000 | $ 59,333 | $ 65,000 |
| Morris, New Jersey | 3 | $ 140,000 | $ 46,666 | $ 149,000 |
| Bernalillo, New Mexico | 3 | $ 130,000 | $ 43,333 | $ 48,000 |
| Nassau, New York | 3 | $ 188,000 | $ 62,666 | $ 122,000 |
| Onondaga, New York | 3 | $ 158,000 | $ 52,666 | $ 99,000 |
| Queens, New York | 3 | $ 420,000 | $ 140,000 | $ 84,000 |
| Westchester, New York | 3 | $ 477,000 | $ 159,000 | $ 89,000 |
| Buncombe, North Carolina | 3 | $ 68,000 | $ 22,666 | $ 40,000 |
| Bucks, Pennsylvania | 3 | $ 167,000 | $ 55,666 | $ 118,000 |
| Monroe, Pennsylvania | 3 | $ 250,000 | $ 83,333 | $ 97,000 |
| York, South Carolina | 3 | $ 313,000 | $ 104,333 | $ 172,000 |
| Utah, Utah | 3 | $ 112,000 | $ 37,333 | $ 58,000 |
| Hanover, Virginia | 3 | $ 170,000 | $ 56,666 | $ 43,000 |
| Milwaukee, Wisconsin | 3 | $ 87,000 | $ 29,000 | $ 106,000 |
| Lincoln, Wyoming | 3 | $ 133,000 | $ 44,333 | $ 71,000 |
| Anchorage, Alaska | 2 | $ 73,000 | $ 36,500 | $ 84,000 |
| Fairbanks North Star, Alaska | 2 | $ 60,000 | $ 30,000 | $ 88,000 |
| Jefferson, Arkansas | 2 | $ 64,000 | $ 32,000 | $ 150,000 |
| Contra Costa, California | 2 | $ 325,000 | $ 162,500 | $ 113,000 |
| Kern, California | 2 | $ 107,000 | $ 53,500 | $ 101,000 |
| San Bernardino, California | 2 | $ 231,000 | $ 115,500 | $ 104,000 |
| San Joaquin, California | 2 | $ 237,000 | $ 118,500 | $ 218,000 |
| Shasta, California | 2 | $ 84,000 | $ 42,000 | $ 80,000 |
| Stanislaus, California | 2 | $ 75,000 | $ 37,500 | $ 74,000 |
| El Paso, Colorado | 2 | $ 113,000 | $ 56,500 | $ 54,000 |
| Pueblo, Colorado | 2 | $ 80,000 | $ 40,000 | $ 58,000 |
| Fairfield, Connecticut | 2 | $ 135,000 | $ 67,500 | $ 104,000 |
| Hartford, Connecticut | 2 | $ 260,000 | $ 130,000 | $ 141,000 |
| Bay, Florida | 2 | $ 65,000 | $ 32,500 | $ 92,000 |
| Brevard, Florida | 2 | $ 72,000 | $ 36,000 | $ 43,000 |
| Lake, Florida | 2 | $ 150,000 | $ 75,000 | $ 59,000 |
| Palm Beach, Florida | 2 | $ 160,000 | $ 80,000 | $ 145,000 |
| Pinellas, Florida | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Fulton, Georgia | 2 | $ 61,000 | $ 30,500 | $ 104,000 |
| Gwinnett, Georgia | 2 | $ 60,000 | $ 30,000 | $ 72,000 |
| Muscogee, Georgia | 2 | $ 30,000 | $ 15,000 | $ 55,000 |
| Hawaii, Hawaii | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Honolulu, Hawaii | 2 | $ 57,000 | $ 28,500 | $ 108,000 |
| DuPage, Illinois | 2 | $ 62,000 | $ 31,000 | $ 81,000 |
| Kendall, Illinois | 2 | $ 207,000 | $ 103,500 | $ 136,000 |
| Will, Illinois | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Lake, Indiana | 2 | $ 156,000 | $ 78,000 | $ 128,000 |
| Polk, Iowa | 2 | $ 55,000 | $ 27,500 | $ 36,000 |
| Aroostook, Maine | 2 | $ 30,000 | $ 15,000 | $ 21,000 |
| Cumberland, Maine | 2 | $ 73,000 | $ 36,500 | $ 167,000 |
| Allegany, Maryland | 2 | $ 174,000 | $ 87,000 | $ 54,000 |
| Anne Arundel, Maryland | 2 | $ 90,000 | $ 45,000 | $ 65,000 |
| Baltimore City, Maryland | 2 | $ 79,000 | $ 39,500 | $ 51,000 |
| Prince George's, Maryland | 2 | $ 106,000 | $ 53,000 | $ 107,000 |
| Hennepin, Minnesota | 2 | $ 200,000 | $ 100,000 | $ 120,000 |
| Ramsey, Minnesota | 2 | $ 101,000 | $ 50,500 | $ 94,000 |
| Buchanan, Missouri | 2 | $ 90,000 | $ 45,000 | $ 53,000 |
| Cape Girardeau, Missouri | 2 | $ 134,000 | $ 67,000 | $ 72,000 |
| Jasper, Missouri | 2 | $ 58,000 | $ 29,000 | $ 37,000 |
| Hillsborough, New Hampshire | 2 | $ 106,000 | $ 53,000 | $ 89,000 |
| Camden, New Jersey | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| Mercer, New Jersey | 2 | $ 75,000 | $ 37,500 | $ 116,000 |
| Monmouth, New Jersey | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Santa Fe, New Mexico | 2 | $ 160,000 | $ 80,000 | $ 75,000 |
| Niagara, New York | 2 | $ 100,000 | $ 50,000 | $ 109,000 |
| Cabarrus, North Carolina | 2 | $ 190,000 | $ 95,000 | $ 132,000 |
| Allen, Ohio | 2 | $ 64,000 | $ 32,000 | $ 50,000 |
| Franklin, Ohio | 2 | $ 93,000 | $ 46,500 | $ 51,000 |
| Lorain, Ohio | 2 | $ 132,000 | $ 66,000 | $ 103,000 |
| Pickaway, Ohio | 2 | $ 101,000 | $ 50,500 | $ 62,000 |
| Washington, Ohio | 2 | $ 50,000 | $ 25,000 | $ 19,000 |
| Cleveland, Oklahoma | 2 | $ 55,000 | $ 27,500 | $ 67,000 |
| Rogers, Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 82,000 |
| Marion, Oregon | 2 | $ 52,000 | $ 26,000 | $ 47,000 |
| Chester, Pennsylvania | 2 | $ 135,000 | $ 67,500 | $ 166,000 |
| Schuylkill, Pennsylvania | 2 | $ 47,000 | $ 23,500 | $ 36,000 |
| Knox, Tennessee | 2 | $ 95,000 | $ 47,500 | $ 86,000 |
| Sevier, Tennessee | 2 | $ 65,000 | $ 32,500 | $ 63,000 |
| Cache, Utah | 2 | $ 79,000 | $ 39,500 | $ 95,000 |
| Davis, Utah | 2 | $ 86,000 | $ 43,000 | $ 112,000 |
| Salt Lake, Utah | 2 | $ 74,000 | $ 37,000 | $ 53,000 |
| King, Washington | 2 | $ 368,000 | $ 184,000 | $ 185,000 |
| Marshall, West Virginia | 2 | $ 42,000 | $ 21,000 | $ 70,000 |
| Portage, Wisconsin | 2 | $ 405,000 | $ 202,500 | $ 52,000 |
| Baldwin, Alabama | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Houston, Alabama | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Lauderdale, Alabama | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Mobile, Alabama | 1 | $ 68,000 | $ 68,000 | $ 160,000 |
| Shelby, Alabama | 1 | $ 41,000 | $ 41,000 | $ 76,000 |
| Tuscaloosa, Alabama | 1 | $ 75,000 | $ 75,000 | $ 215,000 |
| Craighead, Arkansas | 1 | $ 50,000 | $ 50,000 | $ 10,000 |
| Garland, Arkansas | 1 | $ 12,000 | $ 12,000 | $ 250,000 |
| Logan, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Pope, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Pulaski, Arkansas | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Alameda, California | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Imperial, California | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Placer, California | 1 | $ 34,000 | $ 34,000 | $ 95,000 |
| San Benito, California | 1 | $ 30,000 | $ 30,000 | $ 110,000 |
| San Francisco, California | 1 | $ 280,000 | $ 280,000 | $ 115,000 |
| San Mateo, California | 1 | $ 100,000 | $ 100,000 | $ 200,000 |
| Santa Barbara, California | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Santa Clara, California | 1 | $ 141,000 | $ 141,000 | $ 52,000 |
| Solano, California | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Tuolumne, California | 1 | $ 475,000 | $ 475,000 | $ 150,000 |
| Adams, Colorado | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
| Denver, Colorado | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Douglas, Colorado | 1 | $ 250,000 | $ 250,000 | $ 25,000 |
| Larimer, Colorado | 1 | $ 10,000 | $ 10,000 | $ 108,000 |
| Montezuma, Colorado | 1 | $ 60,000 | $ 60,000 | $ 118,000 |
| Montrose, Colorado | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Summit, Colorado | 1 | $ 50,000 | $ 50,000 | $ 110,000 |
| Teller, Colorado | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| New Haven, Connecticut | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Windham, Connecticut | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| New Castle, Delaware | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Charlotte, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Collier, Florida | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Duval, Florida | 1 | $ 74,000 | $ 74,000 | $ 59,000 |
| Escambia, Florida | 1 | $ 18,000 | $ 18,000 | $ 225,000 |
| Gadsden, Florida | 1 | $ 50,000 | $ 50,000 | $ 150,000 |
| Hillsborough, Florida | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Lee, Florida | 1 | $ 40,000 | $ 40,000 | $ 123,000 |
| Martin, Florida | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Sarasota, Florida | 1 | $ 15,000 | $ 15,000 | $ 7,000 |
| St. Johns, Florida | 1 | $ 50,000 | $ 50,000 | $ 87,000 |
| St. Lucie, Florida | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Sumter, Florida | 1 | $ 16,000 | $ 16,000 | $ 70,000 |
| Cherokee, Georgia | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Clayton, Georgia | 1 | $ 80,000 | $ 80,000 | $ 217,000 |
| DeKalb, Georgia | 1 | $ 40,000 | $ 40,000 | $ 7,000 |
| Dodge, Georgia | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Douglas, Georgia | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Effingham, Georgia | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Forsyth, Georgia | 1 | $ 100,000 | $ 100,000 | $ 178,000 |
| Hall, Georgia | 1 | $ 70,000 | $ 70,000 | $ 78,000 |
| Houston, Georgia | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Spalding, Georgia | 1 | $ 287,000 | $ 287,000 | $ 27,000 |
| Turner, Georgia | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Ware, Georgia | 1 | $ 39,000 | $ 39,000 | $ 143,000 |
| Bannock, Idaho | 1 | $ 79,000 | $ 79,000 | $ 95,000 |
| Bonneville, Idaho | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Canyon, Idaho | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Gooding, Idaho | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Coles, Illinois | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Effingham, Illinois | 1 | $ 72,000 | $ 72,000 | $ 132,000 |
| Greene, Illinois | 1 | $ 20,000 | $ 20,000 | $ 49,000 |
| Kane, Illinois | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| Piatt, Illinois | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Rock Island, Illinois | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Williamson, Illinois | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Winnebago, Illinois | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Allen, Indiana | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Boone, Indiana | 1 | $ 15,000 | $ 15,000 | $ 115,000 |
| Hendricks, Indiana | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Huntington, Indiana | 1 | $ 59,000 | $ 59,000 | $ 29,000 |
| Kosciusko, Indiana | 1 | $ 98,000 | $ 98,000 | $ 82,000 |
| Noble, Indiana | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Porter, Indiana | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Starke, Indiana | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Tippecanoe, Indiana | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Vermillion, Indiana | 1 | $ 20,000 | $ 20,000 | $ 98,000 |
| Warren, Indiana | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Bremer, Iowa | 1 | $ 50,000 | $ 50,000 | $ 116,000 |
| Allen, Kansas | 1 | $ 13,000 | $ 13,000 | $ 39,000 |
| Miami, Kansas | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Reno, Kansas | 1 | $ 12,000 | $ 12,000 | $ 45,000 |
| Sedgwick, Kansas | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Seward, Kansas | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Sherman, Kansas | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Grayson, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Jefferson, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Madison, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Oldham, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| East Baton Rouge, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Jefferson, Louisiana | 1 | $ 70,000 | $ 70,000 | $ 280,000 |
| Orleans, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Terrebonne, Louisiana | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Kennebec, Maine | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Penobscot, Maine | 1 | $ 20,000 | $ 20,000 | $ 143,000 |
| Carroll, Maryland | 1 | $ 30,000 | $ 30,000 | $ 140,000 |
| Charles, Maryland | 1 | $ 50,000 | $ 50,000 | $ 83,000 |
| Howard, Maryland | 1 | $ 100,000 | $ 100,000 | $ 350,000 |
| Montgomery, Maryland | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Essex, Massachusetts | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Hampden, Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| Norfolk, Massachusetts | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Worcester, Massachusetts | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Allegan, Michigan | 1 | $ 20,000 | $ 20,000 | $ 14,000 |
| Genesee, Michigan | 1 | $ 80,000 | $ 80,000 | $ 111,000 |
| Grand Traverse, Michigan | 1 | $ 20,000 | $ 20,000 | $ 265,000 |
| Hillsdale, Michigan | 1 | $ 20,000 | $ 20,000 | $ 49,000 |
| Macomb, Michigan | 1 | $ 10,000 | $ 10,000 | $ 105,000 |
| Muskegon, Michigan | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Oakland, Michigan | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Washtenaw, Michigan | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Anoka, Minnesota | 1 | $ 26,000 | $ 26,000 | $ 76,000 |
| Dakota, Minnesota | 1 | $ 49,000 | $ 49,000 | $ 70,000 |
| Le Sueur, Minnesota | 1 | $ 110,000 | $ 110,000 | $ 93,000 |
| Olmsted, Minnesota | 1 | $ 87,000 | $ 87,000 | $ 88,000 |
| Sherburne, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Stearns, Minnesota | 1 | $ 39,000 | $ 39,000 | $ 74,000 |
| Washington, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 143,000 |
| Leake, Mississippi | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Madison, Mississippi | 1 | $ 42,000 | $ 42,000 | $ 64,000 |
| Audrain, Missouri | 1 | $ 40,000 | $ 40,000 | $ 33,000 |
| Boone, Missouri | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Clark, Missouri | 1 | $ 19,000 | $ 19,000 | $ 34,000 |
| Clinton, Missouri | 1 | $ 62,000 | $ 62,000 | $ 125,000 |
| Johnson, Missouri | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Knox, Missouri | 1 | $ 18,000 | $ 18,000 | $ 25,000 |
| Macon, Missouri | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Perry, Missouri | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| St. Louis, Missouri | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Gallatin, Montana | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Lewis and Clark, Montana | 1 | $ 30,000 | $ 30,000 | $ 57,000 |
| Nance, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Carson City, Nevada | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Washoe, Nevada | 1 | $ 28,000 | $ 28,000 | $ 85,000 |
| Grafton, New Hampshire | 1 | $ 90,000 | $ 90,000 | $ 150,000 |
| Rockingham, New Hampshire | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Atlantic, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Gloucester, New Jersey | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Somerset, New Jersey | 1 | $ 51,000 | $ 51,000 | $ 68,000 |
| Sussex, New Jersey | 1 | $ 62,000 | $ 62,000 | $ 95,000 |
| Union, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 107,000 |
| Rio Arriba, New Mexico | 1 | $ 50,000 | $ 50,000 | $ 96,000 |
| Sandoval, New Mexico | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Taos, New Mexico | 1 | $ 90,000 | $ 90,000 | $ 80,000 |
| Albany, New York | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Cattaraugus, New York | 1 | $ 36,000 | $ 36,000 | $ 71,000 |
| Chemung, New York | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Delaware, New York | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Erie, New York | 1 | $ 29,000 | $ 29,000 | $ 71,000 |
| Essex, New York | 1 | $ 16,000 | $ 16,000 | $ 30,000 |
| Fulton, New York | 1 | $ 56,000 | $ 56,000 | $ 62,000 |
| Oneida, New York | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Orange, New York | 1 | $ 70,000 | $ 70,000 | $ 73,000 |
| Rensselaer, New York | 1 | $ 49,000 | $ 49,000 | $ 108,000 |
| Richmond, New York | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Rockland, New York | 1 | $ 200,000 | $ 200,000 | $ 250,000 |
| Schenectady, New York | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Schoharie, New York | 1 | $ 50,000 | $ 50,000 | $ 43,000 |
| Steuben, New York | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Tompkins, New York | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Ulster, New York | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Washington, New York | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Wyoming, New York | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Carteret, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Cherokee, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Forsyth, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Mecklenburg, North Carolina | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Moore, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Orange, North Carolina | 1 | $ 40,000 | $ 40,000 | $ 113,000 |
| Perquimans, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 99,000 |
| Polk, North Carolina | 1 | $ 46,000 | $ 46,000 | $ 51,000 |
| Rutherford, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Grand Forks, North Dakota | 1 | $ 10,000 | $ 10,000 | $ 67,000 |
| Ramsey, North Dakota | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Butler, Ohio | 1 | $ 69,000 | $ 69,000 | $ 106,000 |
| Carroll, Ohio | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Fairfield, Ohio | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Greene, Ohio | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Hamilton, Ohio | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Logan, Ohio | 1 | $ 24,000 | $ 24,000 | $ 97,000 |
| Ross, Ohio | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Scioto, Ohio | 1 | $ 42,000 | $ 42,000 | $ 53,000 |
| Tuscarawas, Ohio | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Wayne, Ohio | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Garvin, Oklahoma | 1 | $ 84,000 | $ 84,000 | $ 119,000 |
| McCurtain, Oklahoma | 1 | $ 51,000 | $ 51,000 | $ 128,000 |
| Noble, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 68,000 |
| Wagoner, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Linn, Oregon | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Multnomah, Oregon | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Bedford, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 77,000 |
| Berks, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Cambria, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Centre, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Crawford, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Dauphin, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 130,000 |
| Erie, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Lancaster, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Lebanon, Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 45,000 |
| Lehigh, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Luzerne, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Mercer, Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 67,000 |
| Philadelphia, Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Westmoreland, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Wyoming, Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 71,000 |
| Providence, Rhode Island | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Washington, Rhode Island | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| Aiken, South Carolina | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Berkeley, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Lexington, South Carolina | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Brookings, South Dakota | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Clark, South Dakota | 1 | $ 40,000 | $ 40,000 | $ 122,000 |
| Kingsbury, South Dakota | 1 | $ 31,000 | $ 31,000 | $ 48,000 |
| Blount, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Claiborne, Tennessee | 1 | $ 53,000 | $ 53,000 | $ 15,000 |
| Sullivan, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Brazoria, Texas | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Dallas, Texas | 1 | $ 65,000 | $ 65,000 | $ 235,000 |
| Guadalupe, Texas | 1 | $ 33,000 | $ 33,000 | $ 110,000 |
| Hidalgo, Texas | 1 | $ 34,000 | $ 34,000 | $ 112,000 |
| Hunt, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Montgomery, Texas | 1 | $ 30,000 | $ 30,000 | $ 101,000 |
| Nueces, Texas | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Parker, Texas | 1 | $ 52,000 | $ 52,000 | $ 110,000 |
| Potter, Texas | 1 | $ 34,000 | $ 34,000 | $ 130,000 |
| Williamson, Texas | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Washington, Utah | 1 | $ 37,000 | $ 37,000 | $ 86,000 |
| Chittenden, Vermont | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Rutland, Vermont | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Washington, Vermont | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Chesterfield, Virginia | 1 | $ 42,000 | $ 42,000 | $ 37,000 |
| Fairfax, Virginia | 1 | $ 91,000 | $ 91,000 | $ 65,000 |
| Franklin, Virginia | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Henrico, Virginia | 1 | $ 26,000 | $ 26,000 | $ 79,000 |
| Lancaster, Virginia | 1 | $ 40,000 | $ 40,000 | $ 126,000 |
| Loudoun, Virginia | 1 | $ 150,000 | $ 150,000 | $ 260,000 |
| Powhatan, Virginia | 1 | $ 40,000 | $ 40,000 | $ 66,000 |
| Pulaski, Virginia | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Roanoke City, Virginia | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Spotsylvania, Virginia | 1 | $ 28,000 | $ 28,000 | $ 100,000 |
| Stafford, Virginia | 1 | $ 61,000 | $ 61,000 | $ 87,000 |
| Virginia Beach, Virginia | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Franklin, Washington | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Grays Harbor, Washington | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Kitsap, Washington | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Snohomish, Washington | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Thurston, Washington | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Yakima, Washington | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Berkeley, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Harrison, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Jefferson, West Virginia | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Kanawha, West Virginia | 1 | $ 12,000 | $ 12,000 | $ 55,000 |
| Marion, West Virginia | 1 | $ 28,000 | $ 28,000 | $ 33,000 |
| Tucker, West Virginia | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Calumet, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Chippewa, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Kenosha, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Racine, Wisconsin | 1 | $ 51,000 | $ 51,000 | $ 50,000 |
| Rock, Wisconsin | 1 | $ 39,000 | $ 39,000 | $ 70,000 |
| Walworth, Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 84,000 |
| Laramie, Wyoming | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2007
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 | 643 | $36,411,000 | $56,000 | $500,000 | $85,000 | $800,000 |
| Home Purchase | 210 | $36,632,000 | $174,000 | $351,000 | $47,000 | $115,000 |
| Refinancing | 2 | $287,000 | $143,000 | $149,000 | $51,000 | $57,000 |
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 | 554 | $46,116,000 | $83,000 | $475,000 | $73,000 | $800,000 |
| Not Provided | 97 | $7,464,000 | $76,000 | $500,000 | $94,000 | $350,000 |
| Black or African American | 96 | $9,663,000 | $100,000 | $228,000 | $64,000 | $260,000 |
| Hispanic | 68 | $6,139,000 | $90,000 | $250,000 | $72,000 | $290,000 |
| Asian | 33 | $3,381,000 | $102,000 | $280,000 | $104,000 | $360,000 |
| American Indian or Alaskan Native | 7 | $567,000 | $81,000 | $175,000 | $97,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 747 | $54,396,000 | $72,000 | $500,000 | $80,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 108 | $18,934,000 | $175,000 | $292,000 | $47,000 | $87,000 |
| 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 | 379 | $22,144,000 | $58,000 | $500,000 | $80,000 | $800,000 |
| Loan Purchased By The Institution | 213 | $37,190,000 | $174,000 | $351,000 | $47,000 | $115,000 |
| Loan Originated | 154 | $7,534,000 | $48,000 | $160,000 | $88,000 | $290,000 |
| Application Approved But Not Accepted | 57 | $2,737,000 | $48,000 | $135,000 | $90,000 | $322,000 |
| Application Withdrawn By Applicant | 52 | $3,725,000 | $71,000 | $350,000 | $109,000 | $360,000 |
| 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 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Discover Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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