Discover Bank Mortgage Lending & HMDA Data, 2006
In 2006, Discover Bank of Greenwood, DE reported 3,352 mortgage applications totaling $203.3 million, up 55% from 2005. The average application was for $60,661, and applicants reported an average income of $75,022. 29% of its applications resulted in an originated loan and 45% were denied. Its largest markets were Dover, DE (149), Chicago-Naperville-Joliet, IL (113) and New York-White Plains-Wayne, NY-NJ (98) (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 | 3,352 |
| Total Mortgage Loan Application Amount | $203,337,000 |
| Average Mortgage Loan Application Amount | $60,661 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $75,022 |
| Highest Applicant Income | $4,862,000 |
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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 149 | $ 25,404,000 | $ 170,496 | $ 50,000 |
| Chicago-Naperville-Joliet, IL | 113 | $ 5,510,000 | $ 48,761 | $ 72,000 |
| New York-White Plains-Wayne, NY-NJ | 98 | $ 8,029,000 | $ 81,928 | $ 81,285 |
| Los Angeles-Long Beach-Glendale, CA | 75 | $ 7,295,000 | $ 97,266 | $ 108,000 |
| Riverside-San Bernardino-Ontario, CA | 61 | $ 3,482,000 | $ 57,081 | $ 87,000 |
| Nassau-Suffolk, NY | 55 | $ 3,755,000 | $ 68,272 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 54 | $ 2,524,000 | $ 46,740 | $ 76,000 |
| Baltimore-Towson, MD | 49 | $ 3,292,000 | $ 67,183 | $ 89,000 |
| Philadelphia, PA | 49 | $ 2,317,000 | $ 47,285 | $ 75,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 49 | $ 3,432,000 | $ 70,040 | $ 89,959 |
| Phoenix-Mesa-Scottsdale, AZ | 44 | $ 3,165,000 | $ 71,931 | $ 87,000 |
| Edison, NJ | 37 | $ 2,681,000 | $ 72,459 | $ 88,000 |
| Seattle-Bellevue-Everett, WA | 34 | $ 1,873,000 | $ 55,088 | $ 86,000 |
| St. Louis, MO-IL | 34 | $ 1,266,000 | $ 37,235 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 33 | $ 1,312,000 | $ 39,757 | $ 66,030 |
| Newark-Union, NJ-PA | 33 | $ 2,595,000 | $ 78,636 | $ 95,121 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 1,789,000 | $ 55,906 | $ 73,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 30 | $ 2,197,000 | $ 73,233 | $ 73,000 |
| Las Vegas-Paradise, NV | 30 | $ 1,776,000 | $ 59,200 | $ 70,000 |
| Denver-Aurora, CO | 29 | $ 1,587,000 | $ 54,724 | $ 74,000 |
| Kansas City, MO-KS | 29 | $ 1,041,000 | $ 35,896 | $ 64,862 |
| Pittsburgh, PA | 28 | $ 1,240,000 | $ 44,285 | $ 68,000 |
| Orlando-Kissimmee, FL | 26 | $ 1,529,000 | $ 58,807 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 24 | $ 1,513,000 | $ 63,041 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 24 | $ 1,821,000 | $ 75,875 | $ 93,000 |
| Portland-Vancouver-Beaverton, OR-WA | 24 | $ 1,218,000 | $ 50,750 | $ 68,500 |
| Detroit-Livonia-Dearborn, MI | 23 | $ 770,000 | $ 33,478 | $ 54,000 |
| Milwaukee-Waukesha-West Allis, WI | 22 | $ 949,000 | $ 43,136 | $ 66,000 |
| Salt Lake City, UT | 22 | $ 1,259,000 | $ 57,227 | $ 70,000 |
| Warren-Troy-Farmington Hills, MI | 22 | $ 864,000 | $ 39,272 | $ 89,000 |
| Camden, NJ | 21 | $ 1,081,000 | $ 51,476 | $ 81,000 |
| Cincinnati-Middletown, OH-KY-IN | 21 | $ 732,000 | $ 34,857 | $ 90,666 |
| Jacksonville, FL | 20 | $ 930,000 | $ 46,500 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 19 | $ 1,021,000 | $ 53,736 | $ 79,000 |
| Nashville-Davidson--Murfreesboro, TN | 19 | $ 996,000 | $ 52,421 | $ 87,000 |
| Richmond, VA | 18 | $ 939,000 | $ 52,166 | $ 68,000 |
| Albuquerque, NM | 17 | $ 715,000 | $ 42,058 | $ 79,000 |
| Raleigh-Cary, NC | 17 | $ 662,000 | $ 38,941 | $ 68,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 17 | $ 1,354,000 | $ 79,647 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 17 | $ 1,614,000 | $ 94,941 | $ 111,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 16 | $ 803,000 | $ 50,187 | $ 72,250 |
| Buffalo-Niagara Falls, NY | 16 | $ 557,000 | $ 34,812 | $ 60,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 585,000 | $ 36,562 | $ 75,000 |
| Memphis, TN-MS-AR | 16 | $ 875,000 | $ 54,687 | $ 88,062 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 2,339,000 | $ 146,187 | $ 140,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 825,000 | $ 51,562 | $ 109,000 |
| Columbus, OH | 14 | $ 455,000 | $ 32,500 | $ 71,000 |
| Portland-South Portland-Biddeford, ME | 14 | $ 1,234,000 | $ 88,142 | $ 68,000 |
| San Francisco-San Mateo-Redwood City, CA | 14 | $ 789,000 | $ 56,357 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 1,029,000 | $ 73,500 | $ 84,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 14 | $ 898,000 | $ 64,142 | $ 62,000 |
| Birmingham-Hoover, AL | 13 | $ 440,000 | $ 33,846 | $ 61,000 |
| Cambridge-Newton-Framingham, MA | 13 | $ 656,000 | $ 50,461 | $ 110,000 |
| Colorado Springs, CO | 13 | $ 495,000 | $ 38,076 | $ 67,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 615,000 | $ 47,307 | $ 84,384 |
| Louisville-Jefferson County, KY-IN | 13 | $ 372,000 | $ 28,615 | $ 55,230 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 673,000 | $ 51,769 | $ 76,000 |
| Tucson, AZ | 13 | $ 764,000 | $ 58,769 | $ 69,000 |
| Wilmington, DE-MD-NJ | 13 | $ 572,000 | $ 44,000 | $ 59,538 |
| Boston-Quincy, MA | 12 | $ 535,000 | $ 44,583 | $ 61,000 |
| Dallas-Plano-Irving, TX | 12 | $ 449,000 | $ 37,416 | $ 124,000 |
| New Haven-Milford, CT | 12 | $ 753,000 | $ 62,750 | $ 85,000 |
| Oklahoma City, OK | 12 | $ 338,000 | $ 28,166 | $ 62,000 |
| Provo-Orem, UT | 12 | $ 401,000 | $ 33,416 | $ 85,000 |
| Rochester, NY | 12 | $ 420,000 | $ 35,000 | $ 46,000 |
| Tulsa, OK | 12 | $ 409,000 | $ 34,083 | $ 59,000 |
| Albany-Schenectady-Troy, NY | 11 | $ 682,000 | $ 62,000 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 550,000 | $ 50,000 | $ 71,000 |
| Manchester-Nashua, NH | 11 | $ 385,000 | $ 35,000 | $ 72,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 489,000 | $ 44,454 | $ 68,000 |
| Atlantic City, NJ | 10 | $ 615,000 | $ 61,500 | $ 78,000 |
| Bethesda-Gaithersburg-Frederick, MD | 10 | $ 748,000 | $ 74,800 | $ 87,000 |
| Boise City-Nampa, ID | 10 | $ 413,000 | $ 41,300 | $ 66,000 |
| Huntsville, AL | 10 | $ 369,000 | $ 36,900 | $ 72,000 |
| Lakeland, FL | 10 | $ 510,000 | $ 51,000 | $ 58,000 |
| Scranton--Wilkes-Barre, PA | 10 | $ 521,000 | $ 52,100 | $ 74,000 |
| Columbia, SC | 9 | $ 555,000 | $ 61,666 | $ 94,000 |
| Fort Worth-Arlington, TX | 9 | $ 445,000 | $ 49,444 | $ 132,000 |
| Gary, IN | 9 | $ 401,000 | $ 44,555 | $ 84,000 |
| Indianapolis-Carmel, IN | 9 | $ 278,000 | $ 30,888 | $ 98,000 |
| Ogden-Clearfield, UT | 9 | $ 292,000 | $ 32,444 | $ 52,000 |
| Springfield, MA | 9 | $ 344,000 | $ 38,222 | $ 47,000 |
| York-Hanover, PA | 9 | $ 300,000 | $ 33,333 | $ 60,000 |
| Bakersfield, CA | 8 | $ 525,000 | $ 65,625 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 344,000 | $ 43,000 | $ 69,000 |
| Flint, MI | 8 | $ 345,000 | $ 43,125 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 513,000 | $ 64,125 | $ 76,000 |
| Worcester, MA | 8 | $ 276,000 | $ 34,500 | $ 73,000 |
| Asheville, NC | 7 | $ 305,000 | $ 43,571 | $ 72,000 |
| Charleston-North Charleston, SC | 7 | $ 450,000 | $ 64,285 | $ 91,000 |
| Charlotte-Gastonia-Concord, NC-SC | 7 | $ 215,000 | $ 30,714 | $ 48,000 |
| Chattanooga, TN-GA | 7 | $ 296,000 | $ 42,285 | $ 76,285 |
| Eugene-Springfield, OR | 7 | $ 211,000 | $ 30,142 | $ 61,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 329,000 | $ 47,000 | $ 55,000 |
| Greenville, SC | 7 | $ 361,000 | $ 51,571 | $ 90,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 274,000 | $ 39,142 | $ 54,428 |
| Knoxville, TN | 7 | $ 236,000 | $ 33,714 | $ 58,000 |
| Modesto, CA | 7 | $ 415,000 | $ 59,285 | $ 62,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 258,000 | $ 36,857 | $ 82,857 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,594,000 | $ 227,714 | $ 91,000 |
| Peoria, IL | 7 | $ 120,000 | $ 17,142 | $ 40,000 |
| Rockingham County-Strafford County, NH | 7 | $ 360,000 | $ 51,428 | $ 88,000 |
| Syracuse, NY | 7 | $ 242,000 | $ 34,571 | $ 42,000 |
| Tacoma, WA | 7 | $ 452,000 | $ 64,571 | $ 84,000 |
| Akron, OH | 6 | $ 181,000 | $ 30,166 | $ 41,000 |
| Burlington-South Burlington, VT | 6 | $ 195,000 | $ 32,500 | $ 46,000 |
| Fayetteville, NC | 6 | $ 261,000 | $ 43,500 | $ 51,000 |
| Fresno, CA | 6 | $ 290,000 | $ 48,333 | $ 55,000 |
| Grand Junction, CO | 6 | $ 210,000 | $ 35,000 | $ 63,000 |
| Harrisburg-Carlisle, PA | 6 | $ 153,000 | $ 25,500 | $ 77,000 |
| Lancaster, PA | 6 | $ 264,000 | $ 44,000 | $ 62,000 |
| Olympia, WA | 6 | $ 310,000 | $ 51,666 | $ 65,000 |
| San Antonio, TX | 6 | $ 265,000 | $ 44,166 | $ 92,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 311,000 | $ 51,833 | $ 85,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 114,000 | $ 19,000 | $ 41,000 |
| Ann Arbor, MI | 5 | $ 322,000 | $ 64,400 | $ 83,000 |
| Austin-Round Rock, TX | 5 | $ 304,000 | $ 60,800 | $ 73,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 110,000 | $ 22,000 | $ 71,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 165,000 | $ 33,000 | $ 39,000 |
| Elkhart-Goshen, IN | 5 | $ 288,000 | $ 57,600 | $ 51,000 |
| Fort Wayne, IN | 5 | $ 131,000 | $ 26,200 | $ 99,000 |
| Gainesville, FL | 5 | $ 155,000 | $ 31,000 | $ 61,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 171,000 | $ 34,200 | $ 60,000 |
| Green Bay, WI | 5 | $ 197,000 | $ 39,400 | $ 64,000 |
| Kingston, NY | 5 | $ 222,000 | $ 44,400 | $ 47,000 |
| Madison, WI | 5 | $ 158,000 | $ 31,600 | $ 60,000 |
| Montgomery, AL | 5 | $ 128,000 | $ 25,600 | $ 44,000 |
| Punta Gorda, FL | 5 | $ 315,000 | $ 63,000 | $ 48,000 |
| Reading, PA | 5 | $ 173,000 | $ 34,600 | $ 94,000 |
| Reno-Sparks, NV | 5 | $ 210,000 | $ 42,000 | $ 70,000 |
| Rockford, IL | 5 | $ 193,000 | $ 38,600 | $ 56,000 |
| Santa Barbara-Santa Maria, CA | 5 | $ 460,000 | $ 92,000 | $ 79,000 |
| Shreveport-Bossier City, LA | 5 | $ 329,000 | $ 65,800 | $ 112,000 |
| Toledo, OH | 5 | $ 95,000 | $ 19,000 | $ 74,000 |
| Visalia-Porterville, CA | 5 | $ 200,000 | $ 40,000 | $ 75,000 |
| Waco, TX | 5 | $ 215,000 | $ 43,000 | $ 116,000 |
| Wichita, KS | 5 | $ 130,000 | $ 26,000 | $ 100,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 260,000 | $ 65,000 | $ 50,250 |
| Bangor, ME | 4 | $ 254,000 | $ 63,500 | $ 62,000 |
| Boulder, CO | 4 | $ 165,000 | $ 41,250 | $ 41,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 235,000 | $ 58,750 | $ 88,000 |
| Canton-Massillon, OH | 4 | $ 107,000 | $ 26,750 | $ 46,000 |
| Charlottesville, VA | 4 | $ 199,000 | $ 49,750 | $ 75,000 |
| Columbus, GA-AL | 4 | $ 102,000 | $ 25,500 | $ 37,000 |
| Danville, VA | 4 | $ 163,000 | $ 40,750 | $ 40,000 |
| Duluth, MN-WI | 4 | $ 310,000 | $ 77,500 | $ 52,000 |
| Essex County, MA | 4 | $ 297,000 | $ 74,250 | $ 94,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 87,000 | $ 21,750 | $ 57,000 |
| Lansing-East Lansing, MI | 4 | $ 150,000 | $ 37,500 | $ 58,000 |
| Lexington-Fayette, KY | 4 | $ 147,000 | $ 36,750 | $ 72,000 |
| Madera, CA | 4 | $ 302,000 | $ 75,500 | $ 69,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 93,000 | $ 23,250 | $ 42,000 |
| Niles-Benton Harbor, MI | 4 | $ 118,000 | $ 29,500 | $ 43,000 |
| Norwich-New London, CT | 4 | $ 130,000 | $ 32,500 | $ 61,000 |
| Oshkosh-Neenah, WI | 4 | $ 95,000 | $ 23,750 | $ 75,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 318,000 | $ 79,500 | $ 79,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 185,000 | $ 46,250 | $ 40,000 |
| Pittsfield, MA | 4 | $ 295,000 | $ 73,750 | $ 54,000 |
| Springfield, MO | 4 | $ 108,000 | $ 27,000 | $ 40,000 |
| St. Cloud, MN | 4 | $ 109,000 | $ 27,250 | $ 93,000 |
| St. Joseph, MO-KS | 4 | $ 182,000 | $ 45,500 | $ 150,000 |
| Stockton, CA | 4 | $ 530,000 | $ 132,500 | $ 75,000 |
| Trenton-Ewing, NJ | 4 | $ 222,000 | $ 55,500 | $ 57,000 |
| Vallejo-Fairfield, CA | 4 | $ 275,000 | $ 68,750 | $ 115,000 |
| Barnstable Town, MA | 3 | $ 160,000 | $ 53,333 | $ 98,000 |
| Bay City, MI | 3 | $ 339,000 | $ 113,000 | $ 56,000 |
| Bismarck, ND | 3 | $ 145,000 | $ 48,333 | $ 53,000 |
| Casper, WY | 3 | $ 73,000 | $ 24,333 | $ 91,000 |
| Cheyenne, WY | 3 | $ 115,000 | $ 38,333 | $ 69,000 |
| Des Moines-West Des Moines, IA | 3 | $ 107,000 | $ 35,666 | $ 79,000 |
| Dubuque, IA | 3 | $ 59,000 | $ 19,666 | $ 58,000 |
| Gadsden, AL | 3 | $ 200,000 | $ 66,666 | $ 34,000 |
| Great Falls, MT | 3 | $ 70,000 | $ 23,333 | $ 74,000 |
| Greensboro-High Point, NC | 3 | $ 95,000 | $ 31,666 | $ 65,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 83,000 | $ 27,666 | $ 48,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 93,000 | $ 31,000 | $ 52,000 |
| Honolulu, HI | 3 | $ 315,000 | $ 105,000 | $ 128,000 |
| Jackson, MS | 3 | $ 69,000 | $ 23,000 | $ 48,000 |
| Medford, OR | 3 | $ 90,000 | $ 30,000 | $ 48,000 |
| Michigan City-La Porte, IN | 3 | $ 95,000 | $ 31,666 | $ 49,000 |
| Muskegon-Norton Shores, MI | 3 | $ 90,000 | $ 30,000 | $ 37,000 |
| Naples-Marco Island, FL | 3 | $ 183,000 | $ 61,000 | $ 103,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 182,000 | $ 60,666 | $ 51,000 |
| Ocean City, NJ | 3 | $ 80,000 | $ 26,666 | $ 46,000 |
| Redding, CA | 3 | $ 210,000 | $ 70,000 | $ 57,000 |
| Roanoke, VA | 3 | $ 151,000 | $ 50,333 | $ 41,000 |
| Salem, OR | 3 | $ 105,000 | $ 35,000 | $ 113,000 |
| Santa Fe, NM | 3 | $ 156,000 | $ 52,000 | $ 57,000 |
| Springfield, IL | 3 | $ 145,000 | $ 48,333 | $ 79,000 |
| Springfield, OH | 3 | $ 140,000 | $ 46,666 | $ 77,000 |
| St. George, UT | 3 | $ 375,000 | $ 125,000 | $ 206,000 |
| Sumter, SC | 3 | $ 89,000 | $ 29,666 | $ 39,000 |
| Utica-Rome, NY | 3 | $ 90,000 | $ 30,000 | $ 44,000 |
| Wilmington, NC | 3 | $ 125,000 | $ 41,666 | $ 68,000 |
| Altoona, PA | 2 | $ 55,000 | $ 27,500 | $ 44,000 |
| Anderson, IN | 2 | $ 35,000 | $ 17,500 | $ 75,000 |
| Anderson, SC | 2 | $ 35,000 | $ 17,500 | $ 21,000 |
| Baton Rouge, LA | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Bellingham, WA | 2 | $ 136,000 | $ 68,000 | $ 102,000 |
| Binghamton, NY | 2 | $ 35,000 | $ 17,500 | $ 61,000 |
| Bloomington-Normal, IL | 2 | $ 70,000 | $ 35,000 | $ 57,000 |
| Brunswick, GA | 2 | $ 45,000 | $ 22,500 | $ 33,000 |
| Burlington, NC | 2 | $ 143,000 | $ 71,500 | $ 28,000 |
| Cleveland, TN | 2 | $ 175,000 | $ 87,500 | $ 80,000 |
| Columbia, MO | 2 | $ 47,000 | $ 23,500 | $ 35,000 |
| Cumberland, MD-WV | 2 | $ 65,000 | $ 32,500 | $ 46,000 |
| Dalton, GA | 2 | $ 42,000 | $ 21,000 | $ 77,000 |
| Decatur, IL | 2 | $ 32,000 | $ 16,000 | $ 510,000 |
| Dothan, AL | 2 | $ 63,000 | $ 31,500 | $ 47,000 |
| Eau Claire, WI | 2 | $ 75,000 | $ 37,500 | $ 45,000 |
| Fargo, ND-MN | 2 | $ 27,000 | $ 13,500 | $ 46,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 158,000 | $ 79,000 | $ 406,000 |
| Florence-Muscle Shoals, AL | 2 | $ 114,000 | $ 57,000 | $ 39,000 |
| Greeley, CO | 2 | $ 55,000 | $ 27,500 | $ 93,000 |
| Jackson, MI | 2 | $ 40,000 | $ 20,000 | $ 44,000 |
| Kokomo, IN | 2 | $ 88,000 | $ 44,000 | $ 53,000 |
| Lafayette, LA | 2 | $ 137,000 | $ 68,500 | $ 109,000 |
| Las Cruces, NM | 2 | $ 61,000 | $ 30,500 | $ 107,000 |
| Lebanon, PA | 2 | $ 70,000 | $ 35,000 | $ 72,000 |
| Lynchburg, VA | 2 | $ 140,000 | $ 70,000 | $ 41,000 |
| Missoula, MT | 2 | $ 76,000 | $ 38,000 | $ 88,000 |
| Mobile, AL | 2 | $ 67,000 | $ 33,500 | $ 88,000 |
| Morristown, TN | 2 | $ 55,000 | $ 27,500 | $ 26,000 |
| Ocala, FL | 2 | $ 60,000 | $ 30,000 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 55,000 | $ 27,500 | $ 29,000 |
| Prescott, AZ | 2 | $ 58,000 | $ 29,000 | $ 66,000 |
| Racine, WI | 2 | $ 88,000 | $ 44,000 | $ 52,000 |
| Rapid City, SD | 2 | $ 56,000 | $ 28,000 | $ 51,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 105,000 | $ 52,500 | $ 66,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 195,000 | $ 97,500 | $ 97,000 |
| Sioux City, IA-NE-SD | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Spartanburg, SC | 2 | $ 73,000 | $ 36,500 | $ 36,000 |
| State College, PA | 2 | $ 63,000 | $ 31,500 | $ 42,000 |
| Tallahassee, FL | 2 | $ 52,000 | $ 26,000 | $ 58,000 |
| Terre Haute, IN | 2 | $ 34,000 | $ 17,000 | $ 42,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 170,000 | $ 85,000 | $ 83,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 40,000 | $ 20,000 | $ 25,000 |
| Wausau, WI | 2 | $ 52,000 | $ 26,000 | $ 48,000 |
| Alexandria, LA | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Ames, IA | 1 | $ 46,000 | $ 46,000 | $ 73,000 |
| Anchorage, AK | 1 | $ 30,000 | $ 30,000 | $ 45,000 |
| Anniston-Oxford, AL | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Bend, OR | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Billings, MT | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Bloomington, IN | 1 | $ 31,000 | $ 31,000 | $ 29,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Cedar Rapids, IA | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Charleston, WV | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Chico, CA | 1 | $ 70,000 | $ 70,000 | $ 107,000 |
| Coeur D'Alene, ID | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| College Station-Bryan, TX | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Danville, IL | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Dayton, OH | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| El Centro, CA | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| El Paso, TX | 1 | $ 39,000 | $ 39,000 | $ 100,000 |
| Elizabethtown, KY | 1 | $ 31,000 | $ 31,000 | $ 22,000 |
| Erie, PA | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Farmington, NM | 1 | $ 77,000 | $ 77,000 | $ 107,000 |
| Flagstaff, AZ | 1 | $ 70,000 | $ 70,000 | $ 59,000 |
| Florence, SC | 1 | $ 53,000 | $ 53,000 | $ 88,000 |
| Fort Collins-Loveland, CO | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Goldsboro, NC | 1 | $ 45,000 | $ 45,000 | $ 109,000 |
| Grand Forks, ND-MN | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Greenville, NC | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Gulfport-Biloxi, MS | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Hanford-Corcoran, CA | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Hattiesburg, MS | 1 | $ 20,000 | $ 20,000 | $ 15,000 |
| Holland-Grand Haven, MI | 1 | $ 26,000 | $ 26,000 | $ 59,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Idaho Falls, ID | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Jacksonville, NC | 1 | $ 31,000 | $ 31,000 | $ 95,000 |
| Johnson City, TN | 1 | $ 47,000 | $ 47,000 | $ 20,000 |
| Joplin, MO | 1 | $ 23,000 | $ 23,000 | $ 52,000 |
| Kalamazoo-Portage, MI | 1 | $ 27,000 | $ 27,000 | $ 87,000 |
| Kankakee-Bradley, IL | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 30,000 | $ 30,000 | $ 45,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Lafayette, IN | 1 | $ 13,000 | $ 13,000 | $ 61,000 |
| Lake Charles, LA | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Lawton, OK | 1 | $ 27,000 | $ 27,000 | $ 43,000 |
| Lewiston-Auburn, ME | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Lima, OH | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
| Little Rock-North Little Rock, AR | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Logan, UT-ID | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Longview, TX | 1 | $ 46,000 | $ 46,000 | $ 58,000 |
| Longview, WA | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Lubbock, TX | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Macon, GA | 1 | $ 17,000 | $ 17,000 | $ 34,000 |
| Mansfield, OH | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 48,000 | $ 48,000 | $ 232,000 |
| Monroe, LA | 1 | $ 18,000 | $ 18,000 | $ 63,000 |
| Morgantown, WV | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Muncie, IN | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Panama City-Lynn Haven, FL | 1 | $ 50,000 | $ 50,000 | $ 124,000 |
| Pocatello, ID | 1 | $ 10,000 | $ 10,000 | $ 224,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 83,000 | $ 83,000 | $ 65,000 |
| Pueblo, CO | 1 | $ 94,000 | $ 94,000 | $ 117,000 |
| Rochester, MN | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
| Rocky Mount, NC | 1 | $ 26,000 | $ 26,000 | $ 13,000 |
| Salisbury, MD | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Sandusky, OH | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| Savannah, GA | 1 | $ 45,000 | $ 45,000 | $ 13,000 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Sherman-Denison, TX | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Sioux Falls, SD | 1 | $ 24,000 | $ 24,000 | $ 64,000 |
| Tyler, TX | 1 | $ 43,000 | $ 43,000 | $ 68,000 |
| Warner Robins, GA | 1 | $ 10,000 | $ 10,000 | $ 33,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Williamsport, PA | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Winchester, VA-WV | 1 | $ 46,000 | $ 46,000 | $ 84,000 |
| Winston-Salem, NC | 1 | $ 13,000 | $ 13,000 | $ 20,000 |
| Yuba City, CA | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2006
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 | 3,114 | $163,310,000 | $52,000 | $500,000 | $77,000 | $4,862,000 |
| Home Purchase | 217 | $37,847,000 | $174,000 | $334,000 | $48,000 | $121,000 |
| Refinancing | 21 | $2,180,000 | $103,000 | $225,000 | $61,000 | $124,000 |
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 | 2,125 | $124,723,000 | $58,000 | $500,000 | $74,000 | $4,862,000 |
| Not Provided | 491 | $27,420,000 | $55,000 | $310,000 | $75,000 | $565,000 |
| Hispanic | 266 | $18,563,000 | $69,000 | $400,000 | $81,000 | $1,011,000 |
| Black or African American | 225 | $13,537,000 | $60,000 | $334,000 | $60,000 | $308,000 |
| Asian | 204 | $16,688,000 | $81,000 | $500,000 | $91,000 | $869,000 |
| American Indian or Alaskan Native | 22 | $1,438,000 | $65,000 | $192,000 | $89,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $968,000 | $50,000 | $150,000 | $80,000 | $245,000 |
| 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) | 3,250 | $184,758,000 | $56,000 | $500,000 | $76,000 | $4,862,000 |
| FHA-insured (Federal Housing Administration) | 59 | $9,963,000 | $168,000 | $240,000 | $51,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 43 | $8,616,000 | $200,000 | $264,000 | $48,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,525 | $81,906,000 | $53,000 | $500,000 | $74,000 | $4,862,000 |
| Loan Originated | 978 | $48,554,000 | $49,000 | $250,000 | $78,000 | $504,000 |
| Application Approved But Not Accepted | 329 | $14,544,000 | $44,000 | $200,000 | $71,000 | $355,000 |
| Application Withdrawn By Applicant | 292 | $18,938,000 | $64,000 | $420,000 | $91,000 | $627,000 |
| Loan Purchased By The Institution | 228 | $39,395,000 | $172,000 | $334,000 | $48,000 | $121,000 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About