Discover Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009

Discover Bank 2009 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 2,579
Total Mortgage Loan Application Amount $50,698,000
Average Mortgage Loan Application Amount $91,000
Highest Mortgage Loan Application Amount $268,000
Average Applicant Income $65,500
Highest Applicant Income $900,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.

Mortgage Loan Application Totals for Discover Bank by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook County Illinois 61 $ 1,089,000 $ 17,000 $ 80,000
Los Angeles County California 50 $ 989,000 $ 19,000 $ 87,000
Kent County Delaware 37 $ 6,137,000 $ 165,000 $ 50,000
Queens County New York 32 $ 539,000 $ 16,000 $ 82,000
Harris County Texas 31 $ 564,000 $ 18,000 $ 86,000
Miami-Dade County Florida 26 $ 488,000 $ 18,000 $ 85,000
Kings County New York 25 $ 482,000 $ 19,000 $ 94,000
San Diego County California 23 $ 393,000 $ 17,000 $ 70,000
Riverside County California 22 $ 380,000 $ 17,000 $ 90,000
Maricopa County Arizona 21 $ 360,000 $ 17,000 $ 87,000
Suffolk County New York 20 $ 309,000 $ 15,000 $ 111,000
Nassau County New York 19 $ 349,000 $ 18,000 $ 83,000
Allegheny County Pennsylvania 17 $ 230,000 $ 13,000 $ 80,000
Tarrant County Texas 16 $ 289,000 $ 18,000 $ 96,000
Gwinnett County Georgia 15 $ 235,000 $ 15,000 $ 70,000
Erie County New York 15 $ 210,000 $ 14,000 $ 61,000
Sussex County Delaware 14 $ 2,070,000 $ 147,000 $ 51,000
Middlesex County Massachusetts 14 $ 259,000 $ 18,000 $ 80,000
Hartford County Connecticut 13 $ 232,000 $ 17,000 $ 109,000
Broward County Florida 13 $ 271,000 $ 20,000 $ 90,000
Hillsborough County Florida 13 $ 196,000 $ 15,000 $ 73,000
Pinellas County Florida 13 $ 188,000 $ 14,000 $ 66,000
Richmond County New York 13 $ 220,000 $ 16,000 $ 95,000
Dallas County Texas 13 $ 200,000 $ 15,000 $ 143,000
San Bernardino County California 12 $ 200,000 $ 16,000 $ 99,000
Orange County Florida 12 $ 212,000 $ 17,000 $ 62,000
Essex County New Jersey 12 $ 205,000 $ 17,000 $ 64,000
Philadelphia County Pennsylvania 12 $ 141,000 $ 11,000 $ 46,000
Orange County California 11 $ 190,000 $ 17,000 $ 78,000
Essex County Massachusetts 11 $ 182,000 $ 16,000 $ 124,000
Bergen County New Jersey 11 $ 183,000 $ 16,000 $ 72,000
Middlesex County New Jersey 11 $ 185,000 $ 16,000 $ 80,000
Bronx County New York 11 $ 155,000 $ 14,000 $ 52,000
Cuyahoga County Ohio 11 $ 192,000 $ 17,000 $ 59,000
Denton County Texas 11 $ 166,000 $ 15,000 $ 118,000
Alameda County California 10 $ 173,000 $ 17,000 $ 97,000
Sacramento County California 10 $ 170,000 $ 17,000 $ 66,000
DeKalb County Georgia 10 $ 185,000 $ 18,000 $ 86,000
DuPage County Illinois 10 $ 160,000 $ 16,000 $ 115,000
Baltimore County Maryland 10 $ 153,000 $ 15,000 $ 64,000
Oakland County Michigan 10 $ 170,000 $ 17,000 $ 114,000
Wayne County Michigan 10 $ 203,000 $ 20,000 $ 84,000
Burlington County New Jersey 10 $ 131,000 $ 13,000 $ 79,000
Ocean County New Jersey 10 $ 175,000 $ 17,000 $ 70,000
Travis County Texas 10 $ 152,000 $ 15,000 $ 104,000
Contra Costa County California 9 $ 145,000 $ 16,000 $ 73,000
New Castle County Delaware 9 $ 125,000 $ 13,000 $ 76,000
Norfolk County Massachusetts 9 $ 132,000 $ 14,000 $ 92,000
Clark County Nevada 9 $ 152,000 $ 16,000 $ 76,000
Monroe County New York 9 $ 143,000 $ 15,000 $ 87,000
Rockland County New York 9 $ 174,000 $ 19,000 $ 102,000
Tulsa County Oklahoma 9 $ 175,000 $ 19,000 $ 77,000
Bexar County Texas 9 $ 161,000 $ 17,000 $ 76,000
Montgomery County Texas 9 $ 160,000 $ 17,000 $ 70,000
Cobb County Georgia 8 $ 102,000 $ 12,000 $ 90,000
Kane County Illinois 8 $ 135,000 $ 16,000 $ 83,000
Will County Illinois 8 $ 145,000 $ 18,000 $ 76,000
Polk County Iowa 8 $ 125,000 $ 15,000 $ 69,000
Prince George's County Maryland 8 $ 130,000 $ 16,000 $ 88,000
Hampden County Massachusetts 8 $ 110,000 $ 13,000 $ 69,000
Worcester County Massachusetts 8 $ 155,000 $ 19,000 $ 93,000
Jackson County Missouri 8 $ 90,000 $ 11,000 $ 81,000
Hillsborough County New Hampshire 8 $ 107,000 $ 13,000 $ 92,000
New York County New York 8 $ 165,000 $ 20,000 $ 73,000
Hamilton County Ohio 8 $ 126,000 $ 15,000 $ 76,000
Bucks County Pennsylvania 8 $ 118,000 $ 14,000 $ 98,000
El Paso County Texas 8 $ 105,000 $ 13,000 $ 75,000
Fairfax County Virginia 8 $ 156,000 $ 19,000 $ 91,000
Ventura County California 7 $ 109,000 $ 15,000 $ 104,000
El Paso County Colorado 7 $ 115,000 $ 16,000 $ 107,000
Palm Beach County Florida 7 $ 120,000 $ 17,000 $ 71,000
Fulton County Georgia 7 $ 135,000 $ 19,000 $ 153,000
Honolulu County Hawaii 7 $ 130,000 $ 18,000 $ 76,000
Johnson County Kansas 7 $ 145,000 $ 20,000 $ 113,000
Montgomery County Maryland 7 $ 145,000 $ 20,000 $ 93,000
Hennepin County Minnesota 7 $ 125,000 $ 17,000 $ 58,000
St. Louis County Missouri 7 $ 130,000 $ 18,000 $ 54,000
Mercer County New Jersey 7 $ 112,000 $ 16,000 $ 72,000
Dutchess County New York 7 $ 127,000 $ 18,000 $ 110,000
Luzerne County Pennsylvania 7 $ 101,000 $ 14,000 $ 69,000
Fort Bend County Texas 7 $ 115,000 $ 16,000 $ 81,000
King County Washington 7 $ 130,000 $ 18,000 $ 90,000
Pierce County Washington 7 $ 120,000 $ 17,000 $ 101,000
Santa Clara County California 6 $ 145,000 $ 24,000 $ 187,000
Shasta County California 6 $ 80,000 $ 13,000 $ 60,000
Solano County California 6 $ 100,000 $ 16,000 $ 110,000
Adams County Colorado 6 $ 110,000 $ 18,000 $ 83,000
Arapahoe County Colorado 6 $ 125,000 $ 20,000 $ 107,000
Jefferson County Colorado 6 $ 116,000 $ 19,000 $ 100,000
Duval County Florida 6 $ 130,000 $ 21,000 $ 73,000
Lake County Illinois 6 $ 111,000 $ 18,000 $ 89,000
Anne Arundel County Maryland 6 $ 130,000 $ 21,000 $ 104,000
Suffolk County Massachusetts 6 $ 130,000 $ 21,000 $ 118,000
Atlantic County New Jersey 6 $ 72,000 $ 12,000 $ 69,000
Camden County New Jersey 6 $ 110,000 $ 18,000 $ 95,000
Bernalillo County New Mexico 6 $ 104,000 $ 17,000 $ 71,000
Albany County New York 6 $ 63,000 $ 10,000 $ 56,000
Mecklenburg County North Carolina 6 $ 110,000 $ 18,000 $ 118,000
Wake County North Carolina 6 $ 108,000 $ 18,000 $ 84,000
Chester County Pennsylvania 6 $ 97,000 $ 16,000 $ 82,000
Montgomery County Pennsylvania 6 $ 130,000 $ 21,000 $ 112,000
Williamson County Texas 6 $ 125,000 $ 20,000 $ 94,000
Prince William County Virginia 6 $ 130,000 $ 21,000 $ 114,000
Virginia Beach County Virginia 6 $ 75,000 $ 12,000 $ 90,000
Snohomish County Washington 6 $ 120,000 $ 20,000 $ 106,000
Spokane County Washington 6 $ 99,000 $ 16,000 $ 45,000
Milwaukee County Wisconsin 6 $ 115,000 $ 19,000 $ 75,000
Pima County Arizona 5 $ 93,000 $ 18,000 $ 108,000
Fresno County California 5 $ 80,000 $ 16,000 $ 71,000
Douglas County Colorado 5 $ 95,000 $ 19,000 $ 100,000
New Haven County Connecticut 5 $ 71,000 $ 14,000 $ 88,000
New London County Connecticut 5 $ 105,000 $ 21,000 $ 83,000
Brevard County Florida 5 $ 52,000 $ 10,000 $ 66,000
Clay County Florida 5 $ 73,000 $ 14,000 $ 162,000
Orleans County Louisiana 5 $ 100,000 $ 20,000 $ 89,000
Plymouth County Massachusetts 5 $ 88,000 $ 17,000 $ 54,000
Macomb County Michigan 5 $ 77,000 $ 15,000 $ 121,000
St. Charles County Missouri 5 $ 77,000 $ 15,000 $ 104,000
St. Louis City County Missouri 5 $ 71,000 $ 14,000 $ 70,000
Washoe County Nevada 5 $ 115,000 $ 23,000 $ 96,000
Monmouth County New Jersey 5 $ 100,000 $ 20,000 $ 86,000
Passaic County New Jersey 5 $ 90,000 $ 18,000 $ 89,000
Union County New Jersey 5 $ 95,000 $ 19,000 $ 101,000
Onondaga County New York 5 $ 75,000 $ 15,000 $ 70,000
Guilford County North Carolina 5 $ 90,000 $ 18,000 $ 75,000
Montgomery County Ohio 5 $ 75,000 $ 15,000 $ 106,000
Portage County Ohio 5 $ 75,000 $ 15,000 $ 74,000
Cumberland County Pennsylvania 5 $ 60,000 $ 12,000 $ 94,000
Dauphin County Pennsylvania 5 $ 73,000 $ 14,000 $ 85,000
Lancaster County Pennsylvania 5 $ 83,000 $ 16,000 $ 88,000
Knox County Tennessee 5 $ 115,000 $ 23,000 $ 87,000
Shelby County Tennessee 5 $ 90,000 $ 18,000 $ 79,000
Webb County Texas 5 $ 72,000 $ 14,000 $ 52,000
Madison County Alabama 4 $ 40,000 $ 10,000 $ 71,000
Anchorage County Alaska 4 $ 89,000 $ 22,000 $ 98,000
Benton County Arkansas 4 $ 62,000 $ 15,000 $ 78,000
San Luis Obispo County California 4 $ 62,000 $ 15,000 $ 67,000
San Mateo County California 4 $ 60,000 $ 15,000 $ 98,000
Sonoma County California 4 $ 80,000 $ 20,000 $ 81,000
Stanislaus County California 4 $ 72,000 $ 18,000 $ 80,000
Fairfield County Connecticut 4 $ 70,000 $ 17,000 $ 87,000
Lee County Florida 4 $ 95,000 $ 23,000 $ 95,000
Rock Island County Illinois 4 $ 75,000 $ 18,000 $ 86,000
Hamilton County Indiana 4 $ 75,000 $ 18,000 $ 154,000
Lafayette County Louisiana 4 $ 50,000 $ 12,000 $ 58,000
Kennebec County Maine 4 $ 75,000 $ 18,000 $ 70,000
Baltimore City County Maryland 4 $ 65,000 $ 16,000 $ 96,000
Frederick County Maryland 4 $ 75,000 $ 18,000 $ 129,000
Genesee County Michigan 4 $ 80,000 $ 20,000 $ 125,000
Olmsted County Minnesota 4 $ 65,000 $ 16,000 $ 56,000
Ramsey County Minnesota 4 $ 85,000 $ 21,000 $ 74,000
Jackson County Mississippi 4 $ 82,000 $ 20,000 $ 77,000
Lancaster County Nebraska 4 $ 59,000 $ 14,000 $ 74,000
Grafton County New Hampshire 4 $ 75,000 $ 18,000 $ 72,000
Gloucester County New Jersey 4 $ 75,000 $ 18,000 $ 103,000
Somerset County New Jersey 4 $ 65,000 $ 16,000 $ 103,000
Niagara County New York 4 $ 80,000 $ 20,000 $ 104,000
Ulster County New York 4 $ 75,000 $ 18,000 $ 112,000
Johnston County North Carolina 4 $ 55,000 $ 13,000 $ 57,000
Butler County Ohio 4 $ 73,000 $ 18,000 $ 92,000
Delaware County Ohio 4 $ 57,000 $ 14,000 $ 99,000
Lorain County Ohio 4 $ 65,000 $ 16,000 $ 101,000
Oklahoma County Oklahoma 4 $ 70,000 $ 17,000 $ 93,000
Multnomah County Oregon 4 $ 63,000 $ 15,000 $ 77,000
Berks County Pennsylvania 4 $ 65,000 $ 16,000 $ 53,000
Lehigh County Pennsylvania 4 $ 65,000 $ 16,000 $ 89,000
Northampton County Pennsylvania 4 $ 75,000 $ 18,000 $ 71,000
Bell County Texas 4 $ 75,000 $ 18,000 $ 81,000
Cameron County Texas 4 $ 70,000 $ 17,000 $ 96,000
McLennan County Texas 4 $ 45,000 $ 11,000 $ 75,000
Smith County Texas 4 $ 60,000 $ 15,000 $ 90,000
Chesterfield County Virginia 4 $ 75,000 $ 18,000 $ 100,000
Loudoun County Virginia 4 $ 60,000 $ 15,000 $ 134,000
Newport News County Virginia 4 $ 65,000 $ 16,000 $ 75,000
Dane County Wisconsin 4 $ 45,000 $ 11,000 $ 75,000
Jefferson County Alabama 3 $ 40,000 $ 13,000 $ 70,000
Lee County Alabama 3 $ 65,000 $ 21,000 $ 75,000
Shelby County Alabama 3 $ 65,000 $ 21,000 $ 94,000
Cochise County Arizona 3 $ 51,000 $ 17,000 $ 88,000
Pulaski County Arkansas 3 $ 39,000 $ 13,000 $ 64,000
Saline County Arkansas 3 $ 75,000 $ 25,000 $ 75,000
Marin County California 3 $ 50,000 $ 16,000 $ 51,000
San Joaquin County California 3 $ 45,000 $ 15,000 $ 63,000
Boulder County Colorado 3 $ 40,000 $ 13,000 $ 48,000
Denver County Colorado 3 $ 40,000 $ 13,000 $ 58,000
Alachua County Florida 3 $ 55,000 $ 18,000 $ 77,000
Bay County Florida 3 $ 60,000 $ 20,000 $ 84,000
Marion County Florida 3 $ 35,000 $ 11,000 $ 51,000
Pasco County Florida 3 $ 65,000 $ 21,000 $ 104,000
Polk County Florida 3 $ 53,000 $ 17,000 $ 69,000
Santa Rosa County Florida 3 $ 38,000 $ 12,000 $ 60,000
Volusia County Florida 3 $ 60,000 $ 20,000 $ 50,000
Clayton County Georgia 3 $ 35,000 $ 11,000 $ 60,000
Forsyth County Georgia 3 $ 60,000 $ 20,000 $ 67,000
Henry County Georgia 3 $ 42,000 $ 14,000 $ 71,000
McHenry County Illinois 3 $ 60,000 $ 20,000 $ 95,000
St. Joseph County Indiana 3 $ 25,000 $ 8,000 $ 56,000
Wayne County Indiana 3 $ 50,000 $ 16,000 $ 40,000
Linn County Iowa 3 $ 60,000 $ 20,000 $ 125,000
Scott County Iowa 3 $ 55,000 $ 18,000 $ 107,000
Fayette County Kentucky 3 $ 57,000 $ 19,000 $ 73,000
East Baton Rouge County Louisiana 3 $ 55,000 $ 18,000 $ 58,000
Jefferson County Louisiana 3 $ 46,000 $ 15,000 $ 69,000
St. Tammany County Louisiana 3 $ 45,000 $ 15,000 $ 111,000
Terrebonne County Louisiana 3 $ 40,000 $ 13,000 $ 68,000
Calvert County Maryland 3 $ 35,000 $ 11,000 $ 118,000
Worcester County Maryland 3 $ 35,000 $ 11,000 $ 100,000
Barnstable County Massachusetts 3 $ 65,000 $ 21,000 $ 71,000
Kent County Michigan 3 $ 50,000 $ 16,000 $ 83,000
Midland County Michigan 3 $ 38,000 $ 12,000 $ 74,000
Ottawa County Michigan 3 $ 55,000 $ 18,000 $ 48,000
Washtenaw County Michigan 3 $ 57,000 $ 19,000 $ 72,000
Lincoln County Missouri 3 $ 55,000 $ 18,000 $ 85,000
Cheshire County New Hampshire 3 $ 70,000 $ 23,000 $ 82,000
Merrimack County New Hampshire 3 $ 29,000 $ 9,000 $ 104,000
Rockingham County New Hampshire 3 $ 60,000 $ 20,000 $ 119,000
Hudson County New Jersey 3 $ 45,000 $ 15,000 $ 50,000
Morris County New Jersey 3 $ 48,000 $ 16,000 $ 67,000
Chaves County New Mexico 3 $ 55,000 $ 18,000 $ 55,000
Columbia County New York 3 $ 40,000 $ 13,000 $ 84,000
Jefferson County New York 3 $ 55,000 $ 18,000 $ 42,000
Livingston County New York 3 $ 55,000 $ 18,000 $ 76,000
Oneida County New York 3 $ 40,000 $ 13,000 $ 66,000
Orange County New York 3 $ 43,000 $ 14,000 $ 32,000
Cabarrus County North Carolina 3 $ 36,000 $ 12,000 $ 72,000
Forsyth County North Carolina 3 $ 48,000 $ 16,000 $ 75,000
Union County North Carolina 3 $ 51,000 $ 17,000 $ 107,000
Clermont County Ohio 3 $ 55,000 $ 18,000 $ 114,000
Franklin County Ohio 3 $ 45,000 $ 15,000 $ 126,000
Greene County Ohio 3 $ 63,000 $ 21,000 $ 75,000
Delaware County Pennsylvania 3 $ 40,000 $ 13,000 $ 97,000
Lackawanna County Pennsylvania 3 $ 49,000 $ 16,000 $ 56,000
Northumberland County Pennsylvania 3 $ 55,000 $ 18,000 $ 80,000
Schuylkill County Pennsylvania 3 $ 50,000 $ 16,000 $ 49,000
Westmoreland County Pennsylvania 3 $ 40,000 $ 13,000 $ 101,000
York County Pennsylvania 3 $ 55,000 $ 18,000 $ 123,000
Providence County Rhode Island 3 $ 55,000 $ 18,000 $ 54,000
Horry County South Carolina 3 $ 55,000 $ 18,000 $ 61,000
Williamson County Tennessee 3 $ 75,000 $ 25,000 $ 143,000
Brazoria County Texas 3 $ 40,000 $ 13,000 $ 59,000
Collin County Texas 3 $ 45,000 $ 15,000 $ 96,000
Ellis County Texas 3 $ 58,000 $ 19,000 $ 123,000
Galveston County Texas 3 $ 50,000 $ 16,000 $ 109,000
Hidalgo County Texas 3 $ 27,000 $ 9,000 $ 76,000
Lubbock County Texas 3 $ 31,000 $ 10,000 $ 74,000
Midland County Texas 3 $ 57,000 $ 19,000 $ 111,000
Nueces County Texas 3 $ 42,000 $ 14,000 $ 78,000
Parker County Texas 3 $ 60,000 $ 20,000 $ 121,000
Salt Lake County Utah 3 $ 35,000 $ 11,000 $ 50,000
Chesapeake County Virginia 3 $ 40,000 $ 13,000 $ 57,000
Henrico County Virginia 3 $ 70,000 $ 23,000 $ 47,000
Clark County Washington 3 $ 25,000 $ 8,000 $ 58,000
Thurston County Washington 3 $ 63,000 $ 21,000 $ 114,000
Wood County West Virginia 3 $ 15,000 $ 5,000 $ 56,000
Brown County Wisconsin 3 $ 50,000 $ 16,000 $ 85,000
Kenosha County Wisconsin 3 $ 60,000 $ 20,000 $ 105,000
Waukesha County Wisconsin 3 $ 31,000 $ 10,000 $ 93,000
Clay County Alabama 2 $ 35,000 $ 17,000 $ 45,000
Dale County Alabama 2 $ 50,000 $ 25,000 $ 107,000
Fayette County Alabama 2 $ 18,000 $ 9,000 $ 62,000
Limestone County Alabama 2 $ 25,000 $ 12,000 $ 55,000
St. Clair County Alabama 2 $ 24,000 $ 12,000 $ 70,000
Tallapoosa County Alabama 2 $ 40,000 $ 20,000 $ 53,000
Tuscaloosa County Alabama 2 $ 20,000 $ 10,000 $ 60,000
Mohave County Arizona 2 $ 32,000 $ 16,000 $ 68,000
Craighead County Arkansas 2 $ 25,000 $ 12,000 $ 96,000
White County Arkansas 2 $ 20,000 $ 10,000 $ 70,000
Butte County California 2 $ 20,000 $ 10,000 $ 77,000
Calaveras County California 2 $ 30,000 $ 15,000 $ 112,000
Imperial County California 2 $ 35,000 $ 17,000 $ 54,000
Placer County California 2 $ 40,000 $ 20,000 $ 104,000
Santa Barbara County California 2 $ 30,000 $ 15,000 $ 108,000
Tulare County California 2 $ 30,000 $ 15,000 $ 42,000
Yolo County California 2 $ 35,000 $ 17,000 $ 93,000
Eagle County Colorado 2 $ 26,000 $ 13,000 $ 49,000
Litchfield County Connecticut 2 $ 25,000 $ 12,000 $ 62,000
District of Columbia County District Of Columbia 2 $ 35,000 $ 17,000 $ 56,000
Escambia County Florida 2 $ 25,000 $ 12,000 $ 52,000
Hernando County Florida 2 $ 30,000 $ 15,000 $ 57,000
Highlands County Florida 2 $ 30,000 $ 15,000 $ 63,000
Lake County Florida 2 $ 15,000 $ 7,000 $ 54,000
Leon County Florida 2 $ 40,000 $ 20,000 $ 95,000
Okaloosa County Florida 2 $ 18,000 $ 9,000 $ 53,000
Osceola County Florida 2 $ 35,000 $ 17,000 $ 48,000
Seminole County Florida 2 $ 35,000 $ 17,000 $ 70,000
St. Johns County Florida 2 $ 23,000 $ 11,000 $ 64,000
Walton County Florida 2 $ 35,000 $ 17,000 $ 111,000
Catoosa County Georgia 2 $ 40,000 $ 20,000 $ 55,000
Columbia County Georgia 2 $ 45,000 $ 22,000 $ 109,000
Effingham County Georgia 2 $ 40,000 $ 20,000 $ 52,000
Hall County Georgia 2 $ 25,000 $ 12,000 $ 89,000
Hart County Georgia 2 $ 15,000 $ 7,000 $ 46,000
Houston County Georgia 2 $ 30,000 $ 15,000 $ 73,000
Jones County Georgia 2 $ 20,000 $ 10,000 $ 58,000
Lowndes County Georgia 2 $ 35,000 $ 17,000 $ 59,000
Newton County Georgia 2 $ 35,000 $ 17,000 $ 79,000
Pierce County Georgia 2 $ 50,000 $ 25,000 $ 77,000
Richmond County Georgia 2 $ 25,000 $ 12,000 $ 54,000
Upson County Georgia 2 $ 30,000 $ 15,000 $ 53,000
Ada County Idaho 2 $ 45,000 $ 22,000 $ 60,000
Hancock County Illinois 2 $ 23,000 $ 11,000 $ 71,000
Jackson County Illinois 2 $ 40,000 $ 20,000 $ 75,000
Kendall County Illinois 2 $ 25,000 $ 12,000 $ 125,000
St. Clair County Illinois 2 $ 35,000 $ 17,000 $ 81,000
Tazewell County Illinois 2 $ 35,000 $ 17,000 $ 72,000
Winnebago County Illinois 2 $ 20,000 $ 10,000 $ 96,000
Allen County Indiana 2 $ 35,000 $ 17,000 $ 54,000
Bartholomew County Indiana 2 $ 30,000 $ 15,000 $ 67,000
DeKalb County Indiana 2 $ 13,000 $ 6,000 $ 53,000
Delaware County Indiana 2 $ 12,000 $ 6,000 $ 212,000
Hendricks County Indiana 2 $ 12,000 $ 6,000 $ 68,000
Johnson County Indiana 2 $ 30,000 $ 15,000 $ 76,000
Kosciusko County Indiana 2 $ 50,000 $ 25,000 $ 68,000
Marion County Indiana 2 $ 20,000 $ 10,000 $ 76,000
Porter County Indiana 2 $ 20,000 $ 10,000 $ 104,000
Vanderburgh County Indiana 2 $ 35,000 $ 17,000 $ 86,000
Vigo County Indiana 2 $ 30,000 $ 15,000 $ 63,000
Warrick County Indiana 2 $ 40,000 $ 20,000 $ 97,000
Black Hawk County Iowa 2 $ 35,000 $ 17,000 $ 88,000
Woodbury County Iowa 2 $ 27,000 $ 13,000 $ 55,000
Butler County Kansas 2 $ 45,000 $ 22,000 $ 94,000
Boone County Kentucky 2 $ 40,000 $ 20,000 $ 112,000
Campbell County Kentucky 2 $ 50,000 $ 25,000 $ 102,000
Hardin County Kentucky 2 $ 40,000 $ 20,000 $ 61,000
Jefferson County Kentucky 2 $ 30,000 $ 15,000 $ 65,000
Madison County Kentucky 2 $ 50,000 $ 25,000 $ 54,000
Ascension County Louisiana 2 $ 50,000 $ 25,000 $ 94,000
St. Bernard County Louisiana 2 $ 45,000 $ 22,000 $ 78,000
Penobscot County Maine 2 $ 25,000 $ 12,000 $ 45,000
Berkshire County Massachusetts 2 $ 20,000 $ 10,000 $ 45,000
Calhoun County Michigan 2 $ 30,000 $ 15,000 $ 91,000
Eaton County Michigan 2 $ 40,000 $ 20,000 $ 100,000
Mecosta County Michigan 2 $ 35,000 $ 17,000 $ 75,000
Shiawassee County Michigan 2 $ 35,000 $ 17,000 $ 54,000
Rice County Minnesota 2 $ 25,000 $ 12,000 $ 94,000
Washington County Minnesota 2 $ 35,000 $ 17,000 $ 98,000
Lee County Mississippi 2 $ 30,000 $ 15,000 $ 72,000
Pearl River County Mississippi 2 $ 25,000 $ 12,000 $ 63,000
Cape Girardeau County Missouri 2 $ 45,000 $ 22,000 $ 96,000
Clay County Missouri 2 $ 25,000 $ 12,000 $ 104,000
Jefferson County Missouri 2 $ 30,000 $ 15,000 $ 41,000
Polk County Missouri 2 $ 19,000 $ 9,000 $ 61,000
Gallatin County Montana 2 $ 40,000 $ 20,000 $ 114,000
Cass County Nebraska 2 $ 30,000 $ 15,000 $ 91,000
Douglas County Nebraska 2 $ 27,000 $ 13,000 $ 91,000
Dona Ana County New Mexico 2 $ 45,000 $ 22,000 $ 112,000
Chautauqua County New York 2 $ 25,000 $ 12,000 $ 67,000
Franklin County New York 2 $ 30,000 $ 15,000 $ 103,000
Montgomery County New York 2 $ 50,000 $ 25,000 $ 103,000
Ontario County New York 2 $ 35,000 $ 17,000 $ 68,000
St. Lawrence County New York 2 $ 20,000 $ 10,000 $ 60,000
Steuben County New York 2 $ 10,000 $ 5,000 $ 80,000
Tioga County New York 2 $ 40,000 $ 20,000 $ 64,000
Westchester County New York 2 $ 14,000 $ 7,000 $ 152,000
Brunswick County North Carolina 2 $ 35,000 $ 17,000 $ 90,000
Buncombe County North Carolina 2 $ 30,000 $ 15,000 $ 38,000
Catawba County North Carolina 2 $ 25,000 $ 12,000 $ 24,000
Cumberland County North Carolina 2 $ 33,000 $ 16,000 $ 70,000
Iredell County North Carolina 2 $ 45,000 $ 22,000 $ 133,000
Nash County North Carolina 2 $ 15,000 $ 7,000 $ 40,000
Vance County North Carolina 2 $ 30,000 $ 15,000 $ 66,000
Cass County North Dakota 2 $ 50,000 $ 25,000 $ 126,000
Columbiana County Ohio 2 $ 40,000 $ 20,000 $ 82,000
Hancock County Ohio 2 $ 28,000 $ 14,000 $ 90,000
Lake County Ohio 2 $ 10,000 $ 5,000 $ 60,000
Licking County Ohio 2 $ 20,000 $ 10,000 $ 76,000
Lucas County Ohio 2 $ 45,000 $ 22,000 $ 112,000
Mahoning County Ohio 2 $ 50,000 $ 25,000 $ 42,000
Miami County Ohio 2 $ 32,000 $ 16,000 $ 66,000
Summit County Ohio 2 $ 27,000 $ 13,000 $ 84,000
Trumbull County Ohio 2 $ 13,000 $ 6,000 $ 82,000
Tuscarawas County Ohio 2 $ 40,000 $ 20,000 $ 29,000
Washington County Ohio 2 $ 35,000 $ 17,000 $ 73,000
Wayne County Ohio 2 $ 30,000 $ 15,000 $ 80,000
Wood County Ohio 2 $ 30,000 $ 15,000 $ 76,000
Comanche County Oklahoma 2 $ 30,000 $ 15,000 $ 73,000
Marshall County Oklahoma 2 $ 19,000 $ 9,000 $ 119,000
Muskogee County Oklahoma 2 $ 15,000 $ 7,000 $ 69,000
Rogers County Oklahoma 2 $ 30,000 $ 15,000 $ 63,000
Wagoner County Oklahoma 2 $ 39,000 $ 19,000 $ 82,000
Clackamas County Oregon 2 $ 25,000 $ 12,000 $ 66,000
Jackson County Oregon 2 $ 25,000 $ 12,000 $ 53,000
Klamath County Oregon 2 $ 45,000 $ 22,000 $ 103,000
Armstrong County Pennsylvania 2 $ 50,000 $ 25,000 $ 39,000
Beaver County Pennsylvania 2 $ 37,000 $ 18,000 $ 109,000
Cambria County Pennsylvania 2 $ 35,000 $ 17,000 $ 92,000
Erie County Pennsylvania 2 $ 25,000 $ 12,000 $ 77,000
Fayette County Pennsylvania 2 $ 30,000 $ 15,000 $ 62,000
Franklin County Pennsylvania 2 $ 40,000 $ 20,000 $ 83,000
Lawrence County Pennsylvania 2 $ 50,000 $ 25,000 $ 124,000
Lebanon County Pennsylvania 2 $ 40,000 $ 20,000 $ 81,000
Mercer County Pennsylvania 2 $ 50,000 $ 25,000 $ 42,000
Pike County Pennsylvania 2 $ 50,000 $ 25,000 $ 60,000
Washington County Pennsylvania 2 $ 19,000 $ 9,000 $ 123,000
Beaufort County South Carolina 2 $ 25,000 $ 12,000 $ 58,000
Berkeley County South Carolina 2 $ 19,000 $ 9,000 $ 84,000
Charleston County South Carolina 2 $ 40,000 $ 20,000 $ 68,000
Greenville County South Carolina 2 $ 27,000 $ 13,000 $ 54,000
Richland County South Carolina 2 $ 23,000 $ 11,000 $ 116,000
York County South Carolina 2 $ 50,000 $ 25,000 $ 132,000
Pennington County South Dakota 2 $ 40,000 $ 20,000 $ 66,000
Davidson County Tennessee 2 $ 45,000 $ 22,000 $ 94,000
Dickson County Tennessee 2 $ 25,000 $ 12,000 $ 77,000
Rutherford County Tennessee 2 $ 50,000 $ 25,000 $ 59,000
Wilson County Tennessee 2 $ 50,000 $ 25,000 $ 65,000
Ector County Texas 2 $ 40,000 $ 20,000 $ 137,000
Guadalupe County Texas 2 $ 30,000 $ 15,000 $ 43,000
Hays County Texas 2 $ 45,000 $ 22,000 $ 68,000
Hill County Texas 2 $ 15,000 $ 7,000 $ 54,000
Johnson County Texas 2 $ 50,000 $ 25,000 $ 123,000
Rockwall County Texas 2 $ 10,000 $ 5,000 $ 107,000
Van Zandt County Texas 2 $ 32,000 $ 16,000 $ 160,000
Chittenden County Vermont 2 $ 10,000 $ 5,000 $ 53,000
Windsor County Vermont 2 $ 20,000 $ 10,000 $ 74,000
Campbell County Virginia 2 $ 19,000 $ 9,000 $ 75,000
James City County Virginia 2 $ 35,000 $ 17,000 $ 89,000
Norfolk County Virginia 2 $ 45,000 $ 22,000 $ 79,000
Whatcom County Washington 2 $ 26,000 $ 13,000 $ 37,000
Yakima County Washington 2 $ 35,000 $ 17,000 $ 62,000
Chippewa County Wisconsin 2 $ 33,000 $ 16,000 $ 134,000
Fond du Lac County Wisconsin 2 $ 20,000 $ 10,000 $ 45,000
Green County Wisconsin 2 $ 20,000 $ 10,000 $ 46,000
Marathon County Wisconsin 2 $ 40,000 $ 20,000 $ 70,000
Ozaukee County Wisconsin 2 $ 25,000 $ 12,000 $ 140,000
Baldwin County Alabama 1 $ 17,000 $ 17,000 $ 105,000
Butler County Alabama 1 $ 15,000 $ 15,000 $ 26,000
Conecuh County Alabama 1 $ 15,000 $ 15,000 $ 108,000
Covington County Alabama 1 $ 25,000 $ 25,000 $ 34,000
Cullman County Alabama 1 $ 15,000 $ 15,000 $ 130,000
DeKalb County Alabama 1 $ 15,000 $ 15,000 $ 98,000
Etowah County Alabama 1 $ 15,000 $ 15,000 $ 50,000
Hale County Alabama 1 $ 15,000 $ 15,000 $ 42,000
Henry County Alabama 1 $ 5,000 $ 5,000 $ 50,000
Lawrence County Alabama 1 $ 15,000 $ 15,000 $ 60,000
Marshall County Alabama 1 $ 15,000 $ 15,000 $ 35,000
Mobile County Alabama 1 $ 5,000 $ 5,000 $ 34,000
Morgan County Alabama 1 $ 5,000 $ 5,000 $ 83,000
Walker County Alabama 1 $ 25,000 $ 25,000 $ 40,000
Pinal County Arizona 1 $ 25,000 $ 25,000 $ 46,000
Santa Cruz County Arizona 1 $ 15,000 $ 15,000 $ 32,000
Yuma County Arizona 1 $ 20,000 $ 20,000 $ 27,000
Boone County Arkansas 1 $ 25,000 $ 25,000 $ 28,000
Bradley County Arkansas 1 $ 25,000 $ 25,000 $ 80,000
Drew County Arkansas 1 $ 15,000 $ 15,000 $ 59,000
Faulkner County Arkansas 1 $ 10,000 $ 10,000 $ 105,000
Greene County Arkansas 1 $ 25,000 $ 25,000 $ 24,000
Hempstead County Arkansas 1 $ 25,000 $ 25,000 $ 50,000
Ouachita County Arkansas 1 $ 20,000 $ 20,000 $ 91,000
Perry County Arkansas 1 $ 25,000 $ 25,000 $ 134,000
Sebastian County Arkansas 1 $ 25,000 $ 25,000 $ 70,000
Stone County Arkansas 1 $ 20,000 $ 20,000 $ 70,000
Yell County Arkansas 1 $ 10,000 $ 10,000 $ 48,000
Amador County California 1 $ 25,000 $ 25,000 $ 39,000
Kern County California 1 $ 20,000 $ 20,000 $ 65,000
Kings County California 1 $ 20,000 $ 20,000 $ 128,000
Madera County California 1 $ 25,000 $ 25,000 $ 52,000
Monterey County California 1 $ 20,000 $ 20,000 $ 63,000
Napa County California 1 $ 20,000 $ 20,000 $ 100,000
Nevada County California 1 $ 25,000 $ 25,000 $ 109,000
Siskiyou County California 1 $ 5,000 $ 5,000 $ 70,000
Sutter County California 1 $ 20,000 $ 20,000 $ 53,000
Archuleta County Colorado 1 $ 10,000 $ 10,000 $ 35,000
Delta County Colorado 1 $ 2,000 $ 2,000 $ 62,000
La Plata County Colorado 1 $ 10,000 $ 10,000 $ 50,000
Larimer County Colorado 1 $ 25,000 $ 25,000 $ 70,000
Logan County Colorado 1 $ 20,000 $ 20,000 $ 22,000
Mesa County Colorado 1 $ 10,000 $ 10,000 $ 19,000
Montrose County Colorado 1 $ 15,000 $ 15,000 $ 56,000
Otero County Colorado 1 $ 3,000 $ 3,000 $ 24,000
Middlesex County Connecticut 1 $ 15,000 $ 15,000 $ 88,000
Tolland County Connecticut 1 $ 25,000 $ 25,000 $ 47,000
Collier County Florida 1 $ 15,000 $ 15,000 $ 140,000
Indian River County Florida 1 $ 15,000 $ 15,000 $ 37,000
Nassau County Florida 1 $ 10,000 $ 10,000 $ 35,000
Putnam County Florida 1 $ 20,000 $ 20,000 $ 68,000
St. Lucie County Florida 1 $ 15,000 $ 15,000 $ 82,000
Sumter County Florida 1 $ 25,000 $ 25,000 $ 45,000
Taylor County Florida 1 $ 25,000 $ 25,000 $ 81,000
Washington County Florida 1 $ 12,000 $ 12,000 $ 96,000
Baldwin County Georgia 1 $ 25,000 $ 25,000 $ 140,000
Bartow County Georgia 1 $ 20,000 $ 20,000 $ 110,000
Bryan County Georgia 1 $ 25,000 $ 25,000 $ 75,000
Carroll County Georgia 1 $ 10,000 $ 10,000 $ 37,000
Chatham County Georgia 1 $ 20,000 $ 20,000 $ 72,000
Chattooga County Georgia 1 $ 10,000 $ 10,000 $ 60,000
Clarke County Georgia 1 $ 20,000 $ 20,000 $ 30,000
Colquitt County Georgia 1 $ 25,000 $ 25,000 $ 150,000
Cook County Georgia 1 $ 20,000 $ 20,000 $ 38,000
Coweta County Georgia 1 $ 11,000 $ 11,000 $ 107,000
Crawford County Georgia 1 $ 15,000 $ 15,000 $ 113,000
Dougherty County Georgia 1 $ 15,000 $ 15,000 $ 56,000
Douglas County Georgia 1 $ 6,000 $ 6,000 $ 22,000
Franklin County Georgia 1 $ 18,000 $ 18,000 $ 320,000
Laurens County Georgia 1 $ 15,000 $ 15,000 $ 28,000
Lumpkin County Georgia 1 $ 20,000 $ 20,000 $ 22,000
Murray County Georgia 1 $ 25,000 $ 25,000 $ 60,000
Muscogee County Georgia 1 $ 25,000 $ 25,000 $ 50,000
Pulaski County Georgia 1 $ 10,000 $ 10,000 $ 63,000
Quitman County Georgia 1 $ 15,000 $ 15,000 $ 90,000
Walker County Georgia 1 $ 15,000 $ 15,000 $ 26,000
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Mortgage Loan Application Detail Totals for Discover Bank in 2009

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 2,530 $42,526,000 $16,000 $25,000 $82,000 $900,000
Home Purchase 49 $8,172,000 $166,000 $268,000 $49,000 $74,000
Refinancing 0 $0 $0 $0 $0 $0

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
Not Provided 2,553 $46,557,000 $18,000 $268,000 $81,000 $900,000
White 14 $2,381,000 $170,000 $242,000 $55,000 $74,000
Black or African American 12 $1,760,000 $146,000 $222,000 $46,000 $69,000
Hispanic 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 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) 2,531 $42,688,000 $16,000 $162,000 $82,000 $900,000
FHA-insured (Federal Housing Administration) 48 $8,010,000 $166,000 $268,000 $49,000 $74,000
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 1,370 $24,397,000 $17,000 $25,000 $77,000 $900,000
Loan Originated 907 $13,895,000 $15,000 $25,000 $86,000 $390,000
Application Withdrawn By Applicant 154 $2,570,000 $16,000 $25,000 $92,000 $400,000
Application Approved But Not Accepted 99 $1,664,000 $16,000 $25,000 $86,000 $260,000
Loan Purchased By The Institution 49 $8,172,000 $166,000 $268,000 $49,000 $74,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 2009 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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