Discover Bank Mortgage Lending & HMDA Data, 2004
In 2004, Discover Bank of Greenwood, DE reported 1,069 mortgage applications totaling $74.2 million, down 1% from 2003. The average application was for $69,370, and applicants reported an average income of $61,716. 15% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Dover, DE (86), Chicago-Naperville-Joliet, IL (22) and Los Angeles-Long Beach-Glendale, CA (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 | 1,069 |
| Total Mortgage Loan Application Amount | $74,157,000 |
| Average Mortgage Loan Application Amount | $69,370 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $61,716 |
| Highest Applicant Income | $600,000 |
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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dover, DE | 86 | $ 10,581,000 | $ 123,034 | $ 46,000 |
| Chicago-Naperville-Joliet, IL | 22 | $ 962,000 | $ 43,727 | $ 96,000 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 1,477,000 | $ 82,055 | $ 124,000 |
| New York-Wayne-White Plains, NY-NJ | 17 | $ 1,280,000 | $ 75,294 | $ 86,000 |
| Nassau-Suffolk, NY | 16 | $ 1,070,000 | $ 66,875 | $ 89,000 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 679,000 | $ 45,266 | $ 67,000 |
| Philadelphia, PA | 12 | $ 436,000 | $ 36,333 | $ 89,000 |
| Edison, NJ | 8 | $ 266,000 | $ 33,250 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 226,000 | $ 28,250 | $ 54,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 150,000 | $ 18,750 | $ 56,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 201,000 | $ 25,125 | $ 57,000 |
| Las Vegas-Paradise, NV | 7 | $ 290,000 | $ 41,428 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 200,000 | $ 28,571 | $ 97,000 |
| Warren-Farmington Hills-Troy, MI | 7 | $ 194,000 | $ 27,714 | $ 57,000 |
| Baltimore-Towson, MD | 6 | $ 245,000 | $ 40,833 | $ 70,000 |
| Boston-Quincy, MA | 6 | $ 335,000 | $ 55,833 | $ 74,000 |
| Kansas City, MO-KS | 6 | $ 359,000 | $ 59,833 | $ 51,000 |
| New Haven-Milford, CT | 6 | $ 390,000 | $ 65,000 | $ 85,000 |
| Newark-Union, NJ-PA | 6 | $ 376,000 | $ 62,666 | $ 98,000 |
| Orlando, FL | 6 | $ 397,000 | $ 66,166 | $ 46,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 340,000 | $ 56,666 | $ 76,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 340,000 | $ 68,000 | $ 130,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 140,000 | $ 28,000 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 145,000 | $ 29,000 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 103,000 | $ 20,600 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 255,000 | $ 51,000 | $ 62,000 |
| Salt Lake City, UT | 5 | $ 110,000 | $ 22,000 | $ 82,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 290,000 | $ 58,000 | $ 56,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 186,000 | $ 37,200 | $ 181,000 |
| Tucson, AZ | 5 | $ 285,000 | $ 57,000 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 215,000 | $ 43,000 | $ 49,000 |
| Bethesda-Frederick-Gaithersburg, MD | 4 | $ 160,000 | $ 40,000 | $ 95,000 |
| Camden, NJ | 4 | $ 279,000 | $ 69,750 | $ 80,000 |
| Flint, MI | 4 | $ 160,000 | $ 40,000 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 120,000 | $ 30,000 | $ 56,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 125,000 | $ 31,250 | $ 36,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 70,000 | $ 17,500 | $ 74,000 |
| Richmond, VA | 4 | $ 127,000 | $ 31,750 | $ 88,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 155,000 | $ 38,750 | $ 85,000 |
| Syracuse, NY | 4 | $ 176,000 | $ 44,000 | $ 123,000 |
| Toledo, OH | 4 | $ 45,000 | $ 11,250 | $ 38,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 155,000 | $ 38,750 | $ 64,000 |
| Wheeling, WV-OH | 4 | $ 175,000 | $ 43,750 | $ 41,000 |
| Bakersfield, CA | 3 | $ 90,000 | $ 30,000 | $ 46,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 52,000 | $ 17,333 | $ 35,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 245,000 | $ 81,666 | $ 95,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 85,000 | $ 28,333 | $ 59,000 |
| Colorado Springs, CO | 3 | $ 82,000 | $ 27,333 | $ 62,000 |
| Columbus, OH | 3 | $ 140,000 | $ 46,666 | $ 73,000 |
| Greenville, SC | 3 | $ 107,000 | $ 35,666 | $ 52,000 |
| Indianapolis, IN | 3 | $ 205,000 | $ 68,333 | $ 107,000 |
| Jackson, MS | 3 | $ 190,000 | $ 63,333 | $ 33,000 |
| Jacksonville, FL | 3 | $ 98,000 | $ 32,666 | $ 80,000 |
| Knoxville, TN | 3 | $ 160,000 | $ 53,333 | $ 83,000 |
| Naples-Marco Island, FL | 3 | $ 100,000 | $ 33,333 | $ 47,000 |
| Oklahoma City, OK | 3 | $ 110,000 | $ 36,666 | $ 74,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 45,000 | $ 15,000 | $ 66,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 131,000 | $ 43,666 | $ 58,000 |
| Reno-Sparks, NV | 3 | $ 135,000 | $ 45,000 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 150,000 | $ 50,000 | $ 67,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 110,000 | $ 36,666 | $ 43,000 |
| Springfield, MO | 3 | $ 155,000 | $ 51,666 | $ 41,000 |
| St. Louis, MO-IL | 3 | $ 155,000 | $ 51,666 | $ 72,000 |
| Tulsa, OK | 3 | $ 185,000 | $ 61,666 | $ 57,000 |
| Wilmington, DE-MD-NJ | 3 | $ 98,000 | $ 32,666 | $ 61,000 |
| Worcester, MA | 3 | $ 95,000 | $ 31,666 | $ 63,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 170,000 | $ 85,000 | $ 103,000 |
| Albuquerque, NM | 2 | $ 59,000 | $ 29,500 | $ 82,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 160,000 | $ 80,000 | $ 147,000 |
| Atlantic City, NJ | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| Baton Rouge, LA | 2 | $ 75,000 | $ 37,500 | $ 62,000 |
| Birmingham-Hoover, AL | 2 | $ 28,000 | $ 14,000 | $ 59,000 |
| Cedar Rapids, IA | 2 | $ 70,000 | $ 35,000 | $ 47,000 |
| Chattanooga, TN-GA | 2 | $ 115,000 | $ 57,500 | $ 55,000 |
| Dalton, GA | 2 | $ 21,000 | $ 10,500 | $ 103,000 |
| Denver-Aurora, CO | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| Essex County, MA | 2 | $ 140,000 | $ 70,000 | $ 52,000 |
| Evansville, IN-KY | 2 | $ 35,000 | $ 17,500 | $ 334,000 |
| Florence-Muscle Shoals, AL | 2 | $ 30,000 | $ 15,000 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 40,000 | $ 20,000 | $ 50,000 |
| Fresno, CA | 2 | $ 78,000 | $ 39,000 | $ 80,000 |
| Gary, IN | 2 | $ 206,000 | $ 103,000 | $ 55,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 61,000 | $ 30,500 | $ 91,000 |
| Janesville, WI | 2 | $ 70,000 | $ 35,000 | $ 55,000 |
| Jefferson City, MO | 2 | $ 95,000 | $ 47,500 | $ 68,000 |
| Michigan City-La Porte, IN | 2 | $ 67,000 | $ 33,500 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 55,000 | $ 27,500 | $ 72,000 |
| Mobile, AL | 2 | $ 75,000 | $ 37,500 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 53,000 | $ 26,500 | $ 43,000 |
| Norwich-New London, CT | 2 | $ 85,000 | $ 42,500 | $ 79,000 |
| Ocean City, NJ | 2 | $ 130,000 | $ 65,000 | $ 105,000 |
| Ogden-Clearfield, UT | 2 | $ 38,000 | $ 19,000 | $ 50,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 60,000 | $ 30,000 | $ 71,000 |
| Pittsburgh, PA | 2 | $ 120,000 | $ 60,000 | $ 68,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 30,000 | $ 15,000 | $ 42,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 75,000 | $ 37,500 | $ 62,000 |
| Raleigh-Cary, NC | 2 | $ 41,000 | $ 20,500 | $ 34,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 65,000 | $ 32,500 | $ 100,000 |
| Shreveport-Bossier City, LA | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Spartanburg, SC | 2 | $ 25,000 | $ 12,500 | $ 47,000 |
| St. Joseph, MO-KS | 2 | $ 56,000 | $ 28,000 | $ 39,000 |
| Tallahassee, FL | 2 | $ 78,000 | $ 39,000 | $ 48,000 |
| Wenatchee, WA | 2 | $ 71,000 | $ 35,500 | $ 36,000 |
| Wichita, KS | 2 | $ 30,000 | $ 15,000 | $ 72,000 |
| Wilmington, NC | 2 | $ 152,000 | $ 76,000 | $ 42,000 |
| Ames, IA | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Anderson, IN | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Asheville, NC | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Barnstable Town, MA | 1 | $ 120,000 | $ 120,000 | $ 193,000 |
| Billings, MT | 1 | $ 13,000 | $ 13,000 | $ 92,000 |
| Bismarck, ND | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Bloomington-Normal, IL | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Brunswick, GA | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Burlington, NC | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Cleveland, TN | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Coeur D'Alene, ID | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Cumberland, MD-WV | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Dallas-Plano-Irving, TX | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Danville, IL | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Dayton, OH | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Dubuque, IA | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Fargo, ND-MN | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Flagstaff, AZ | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Florence, SC | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Fond Du Lac, WI | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Fort Collins-Loveland, CO | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Gainesville, FL | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Gainesville, GA | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Greensboro-High Point, NC | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Greenville, NC | 1 | $ 21,000 | $ 21,000 | $ 38,000 |
| Hanford-Corcoran, CA | 1 | $ 30,000 | $ 30,000 | $ 140,000 |
| Harrisburg-Carlisle, PA | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Johnstown, PA | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Kankakee-Bradley, IL | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Kingston, NY | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Lafayette, LA | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| Lancaster, PA | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Lewiston-Auburn, ME | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Lexington-Fayette, KY | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Lincoln, NE | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Madera, CA | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Madison, WI | 1 | $ 32,000 | $ 32,000 | $ 102,000 |
| Medford, OR | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Memphis, TN-MS-AR | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Merced, CA | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Morristown, TN | 1 | $ 17,000 | $ 17,000 | $ 52,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Niles-Benton Harbor, MI | 1 | $ 50,000 | $ 50,000 | $ 129,000 |
| Pascagoula, MS | 1 | $ 18,000 | $ 18,000 | $ 52,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Peoria, IL | 1 | $ 12,000 | $ 12,000 | $ 75,000 |
| Provo-Orem, UT | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Punta Gorda, FL | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Racine, WI | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Reading, PA | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Rochester, NY | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Rockingham County-Strafford County, NH | 1 | $ 52,000 | $ 52,000 | $ 108,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 14,000 | $ 14,000 | $ 19,000 |
| Salinas, CA | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Santa Fe, NM | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Savannah, GA | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Sioux City, IA-NE-SD | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Sioux Falls, SD | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Springfield, IL | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Stockton, CA | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Tacoma, WA | 1 | $ 43,000 | $ 43,000 | $ 66,000 |
| Terre Haute, IN | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
| Trenton-Ewing, NJ | 1 | $ 12,000 | $ 12,000 | $ 231,000 |
| Valdosta, GA | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Visalia-Porterville, CA | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Warner Robins, GA | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Yuma, AZ | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 702 | $29,577,000 | $38,446 | $250,000 | $67,978 | $600,000 |
| Refinancing | 187 | $23,990,000 | $109,000 | $333,000 | $37,000 | $159,000 |
| Home Purchase | 180 | $20,590,000 | $114,000 | $258,000 | $44,000 | $297,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 791 | $58,727,000 | $40,586 | $333,000 | $69,326 | $600,000 |
| Not Provided | 106 | $4,474,000 | $38,000 | $168,000 | $58,888 | $297,000 |
| Hispanic | 63 | $3,779,000 | $47,722 | $180,000 | $70,222 | $265,000 |
| Black or African American | 61 | $4,160,000 | $44,500 | $216,000 | $61,666 | $219,000 |
| Asian | 38 | $2,591,000 | $51,411 | $258,000 | $88,117 | $410,000 |
| American Indian or Alaskan Native | 8 | $346,000 | $43,250 | $60,000 | $60,500 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $80,000 | $40,000 | $50,000 | $53,000 | $61,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,068 | $74,081,000 | $40,255 | $333,000 | $67,680 | $600,000 |
| FHA-insured (Federal Housing Administration) | 1 | $76,000 | $76,000 | $76,000 | $43,000 | $43,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 347 | $15,749,000 | $40,422 | $250,000 | $75,400 | $600,000 |
| Loan Purchased By The Institution | 288 | $36,013,000 | $107,500 | $333,000 | $37,000 | $297,000 |
| Application Approved But Not Accepted | 214 | $7,872,000 | $34,475 | $138,000 | $52,500 | $219,000 |
| Loan Originated | 157 | $10,749,000 | $41,342 | $281,000 | $68,914 | $185,000 |
| Application Withdrawn By Applicant | 56 | $3,076,000 | $50,727 | $185,000 | $77,954 | $265,000 |
| File Closed For Incompleteness | 7 | $698,000 | $99,000 | $147,000 | $44,000 | $65,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 279 | $12,046,000 | $40,022 | $250,000 | $76,431 | $557,000 |
| Credit Application Incomplete | 65 | $3,427,000 | $46,275 | $250,000 | $74,310 | $600,000 |
| Collateral | 1 | $78,000 | $78,000 | $78,000 | $37,000 | $37,000 |
| Debt-To-Income Ratio | 1 | $110,000 | $110,000 | $110,000 | $24,000 | $24,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Discover Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Discover Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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