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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 135 | $ 23,984,000 | $ 177,659 | $ 48,000 |
| New York-White Plains-Wayne, NY-NJ | 21 | $ 2,145,000 | $ 102,142 | $ 89,809 |
| Chicago-Naperville-Joliet, IL | 18 | $ 907,000 | $ 50,388 | $ 82,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 757,000 | $ 47,312 | $ 85,000 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 997,000 | $ 66,466 | $ 94,000 |
| St. Louis, MO-IL | 14 | $ 1,207,000 | $ 86,214 | $ 85,142 |
| Philadelphia, PA | 13 | $ 707,000 | $ 54,384 | $ 111,000 |
| Baltimore-Towson, MD | 11 | $ 568,000 | $ 51,636 | $ 112,000 |
| Edison, NJ | 11 | $ 1,193,000 | $ 108,454 | $ 105,000 |
| Nassau-Suffolk, NY | 10 | $ 776,000 | $ 77,600 | $ 120,000 |
| Oklahoma City, OK | 10 | $ 388,000 | $ 38,800 | $ 93,000 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 366,000 | $ 40,666 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 543,000 | $ 60,333 | $ 105,000 |
| Newark-Union, NJ-PA | 9 | $ 767,000 | $ 85,222 | $ 196,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 511,000 | $ 63,875 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 536,000 | $ 67,000 | $ 111,750 |
| Dallas-Plano-Irving, TX | 7 | $ 344,000 | $ 49,142 | $ 138,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 445,000 | $ 63,571 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 488,000 | $ 69,714 | $ 69,000 |
| Camden, NJ | 6 | $ 328,000 | $ 54,666 | $ 68,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 533,000 | $ 88,833 | $ 141,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 228,000 | $ 38,000 | $ 56,000 |
| Orlando-Kissimmee, FL | 6 | $ 413,000 | $ 68,833 | $ 103,000 |
| Pittsburgh, PA | 6 | $ 158,000 | $ 26,333 | $ 77,000 |
| Raleigh-Cary, NC | 6 | $ 294,000 | $ 49,000 | $ 138,000 |
| Richmond, VA | 6 | $ 278,000 | $ 46,333 | $ 52,000 |
| Rochester, NY | 6 | $ 196,000 | $ 32,666 | $ 60,000 |
| Birmingham-Hoover, AL | 5 | $ 140,000 | $ 28,000 | $ 80,000 |
| Columbus, OH | 5 | $ 224,000 | $ 44,800 | $ 52,000 |
| Memphis, TN-MS-AR | 5 | $ 184,000 | $ 36,800 | $ 60,000 |
| Tucson, AZ | 5 | $ 280,000 | $ 56,000 | $ 73,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 264,000 | $ 66,000 | $ 72,000 |
| Albuquerque, NM | 4 | $ 175,000 | $ 43,750 | $ 40,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 152,000 | $ 38,000 | $ 102,000 |
| Fresno, CA | 4 | $ 175,000 | $ 43,750 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 274,000 | $ 68,500 | $ 123,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 192,000 | $ 48,000 | $ 111,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 605,000 | $ 151,250 | $ 120,000 |
| Asheville, NC | 3 | $ 68,000 | $ 22,666 | $ 40,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 129,000 | $ 43,000 | $ 96,000 |
| Colorado Springs, CO | 3 | $ 193,000 | $ 64,333 | $ 76,000 |
| Denver-Aurora, CO | 3 | $ 372,000 | $ 124,000 | $ 56,000 |
| Gary, IN | 3 | $ 276,000 | $ 92,000 | $ 109,000 |
| Knoxville, TN | 3 | $ 125,000 | $ 41,666 | $ 69,000 |
| Las Vegas-Paradise, NV | 3 | $ 235,000 | $ 78,333 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 302,000 | $ 100,666 | $ 126,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 87,000 | $ 29,000 | $ 106,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 355,000 | $ 118,333 | $ 95,000 |
| Provo-Orem, UT | 3 | $ 112,000 | $ 37,333 | $ 58,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 290,000 | $ 96,666 | $ 126,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 468,000 | $ 156,000 | $ 153,000 |
| Syracuse, NY | 3 | $ 158,000 | $ 52,666 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 320,000 | $ 106,666 | $ 92,000 |
| Tulsa, OK | 3 | $ 145,000 | $ 48,333 | $ 65,000 |
| Anchorage, AK | 2 | $ 73,000 | $ 36,500 | $ 84,000 |
| Bakersfield, CA | 2 | $ 107,000 | $ 53,500 | $ 101,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 135,000 | $ 67,500 | $ 104,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 98,000 | $ 49,000 | $ 64,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 132,000 | $ 66,000 | $ 103,000 |
| Columbus, GA-AL | 2 | $ 30,000 | $ 15,000 | $ 55,000 |
| Cumberland, MD-WV | 2 | $ 174,000 | $ 87,000 | $ 54,000 |
| Des Moines-West Des Moines, IA | 2 | $ 55,000 | $ 27,500 | $ 36,000 |
| Fairbanks, AK | 2 | $ 60,000 | $ 30,000 | $ 88,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 260,000 | $ 130,000 | $ 141,000 |
| Honolulu, HI | 2 | $ 57,000 | $ 28,500 | $ 108,000 |
| Indianapolis-Carmel, IN | 2 | $ 45,000 | $ 22,500 | $ 90,000 |
| Jacksonville, FL | 2 | $ 124,000 | $ 62,000 | $ 73,000 |
| Joplin, MO | 2 | $ 58,000 | $ 29,000 | $ 37,000 |
| Kansas City, MO-KS | 2 | $ 92,000 | $ 46,000 | $ 96,500 |
| Lima, OH | 2 | $ 64,000 | $ 32,000 | $ 50,000 |
| Logan, UT-ID | 2 | $ 79,000 | $ 39,500 | $ 95,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 73,000 | $ 36,500 | $ 49,000 |
| Manchester-Nashua, NH | 2 | $ 106,000 | $ 53,000 | $ 89,000 |
| Modesto, CA | 2 | $ 75,000 | $ 37,500 | $ 74,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 145,000 | $ 72,500 | $ 186,000 |
| Ogden-Clearfield, UT | 2 | $ 86,000 | $ 43,000 | $ 112,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 72,000 | $ 36,000 | $ 43,000 |
| Panama City-Lynn Haven, FL | 2 | $ 65,000 | $ 32,500 | $ 92,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 50,000 | $ 25,000 | $ 19,000 |
| Pine Bluff, AR | 2 | $ 64,000 | $ 32,000 | $ 150,000 |
| Port St. Lucie, FL | 2 | $ 85,000 | $ 42,500 | $ 41,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 73,000 | $ 36,500 | $ 167,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 65,000 | $ 32,500 | $ 84,000 |
| Pueblo, CO | 2 | $ 80,000 | $ 40,000 | $ 58,000 |
| Redding, CA | 2 | $ 84,000 | $ 42,000 | $ 80,000 |
| Roanoke, VA | 2 | $ 35,000 | $ 17,500 | $ 35,000 |
| Salem, OR | 2 | $ 52,000 | $ 26,000 | $ 47,000 |
| Salt Lake City, UT | 2 | $ 74,000 | $ 37,000 | $ 53,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 380,000 | $ 190,000 | $ 157,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 171,000 | $ 85,500 | $ 81,000 |
| Santa Fe, NM | 2 | $ 160,000 | $ 80,000 | $ 75,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 68,000 | $ 34,000 | $ 71,000 |
| St. Joseph, MO-KS | 2 | $ 90,000 | $ 45,000 | $ 53,000 |
| Stockton, CA | 2 | $ 237,000 | $ 118,500 | $ 218,000 |
| Trenton-Ewing, NJ | 2 | $ 75,000 | $ 37,500 | $ 116,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 160,000 | $ 80,000 | $ 145,000 |
| Wheeling, WV-OH | 2 | $ 42,000 | $ 21,000 | $ 70,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Amarillo, TX | 1 | $ 34,000 | $ 34,000 | $ 130,000 |
| Ann Arbor, MI | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Appleton, WI | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Atlantic City, NJ | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Austin-Round Rock, TX | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Bangor, ME | 1 | $ 20,000 | $ 20,000 | $ 143,000 |
| Baton Rouge, LA | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Boise City-Nampa, ID | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Boston-Quincy, MA | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Bremerton-Silverdale, WA | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Burlington-South Burlington, VT | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Canton-Massillon, OH | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 40,000 | $ 40,000 | $ 123,000 |
| Carson City, NV | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Champaign-Urbana, IL | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Charleston, WV | 1 | $ 12,000 | $ 12,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Cheyenne, WY | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Columbia, MO | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Columbia, SC | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Corpus Christi, TX | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Dayton, OH | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Dothan, AL | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Durham, NC | 1 | $ 40,000 | $ 40,000 | $ 113,000 |
| Eau Claire, WI | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| El Centro, CA | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Elmira, NY | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Erie, PA | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Flint, MI | 1 | $ 80,000 | $ 80,000 | $ 111,000 |
| Florence-Muscle Shoals, AL | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Fort Collins-Loveland, CO | 1 | $ 10,000 | $ 10,000 | $ 108,000 |
| Fort Wayne, IN | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Fort Worth-Arlington, TX | 1 | $ 52,000 | $ 52,000 | $ 110,000 |
| Gainesville, GA | 1 | $ 70,000 | $ 70,000 | $ 78,000 |
| Glens Falls, NY | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Grand Forks, ND-MN | 1 | $ 10,000 | $ 10,000 | $ 67,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Harrisburg-Carlisle, PA | 1 | $ 40,000 | $ 40,000 | $ 130,000 |
| Hot Springs, AR | 1 | $ 12,000 | $ 12,000 | $ 250,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Idaho Falls, ID | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Ithaca, NY | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Jackson, MS | 1 | $ 42,000 | $ 42,000 | $ 64,000 |
| Janesville, WI | 1 | $ 39,000 | $ 39,000 | $ 70,000 |
| Johnstown, PA | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Jonesboro, AR | 1 | $ 50,000 | $ 50,000 | $ 10,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Kingston, NY | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Lafayette, IN | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Lancaster, PA | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Lebanon, PA | 1 | $ 33,000 | $ 33,000 | $ 45,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 34,000 | $ 34,000 | $ 112,000 |
| Mobile, AL | 1 | $ 68,000 | $ 68,000 | $ 160,000 |
| Muskegon-Norton Shores, MI | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Naples-Marco Island, FL | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| New Haven-Milford, CT | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Olympia, WA | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Peabody, MA | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 18,000 | $ 18,000 | $ 225,000 |
| Pocatello, ID | 1 | $ 79,000 | $ 79,000 | $ 95,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 70,000 | $ 70,000 | $ 73,000 |
| Punta Gorda, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Racine, WI | 1 | $ 51,000 | $ 51,000 | $ 50,000 |
| Reading, PA | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Reno-Sparks, NV | 1 | $ 28,000 | $ 28,000 | $ 85,000 |
| Rochester, MN | 1 | $ 87,000 | $ 87,000 | $ 88,000 |
| Rockford, IL | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Rockingham County-Strafford County, NH | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 34,000 | $ 34,000 | $ 95,000 |
| San Antonio, TX | 1 | $ 33,000 | $ 33,000 | $ 110,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 15,000 | $ 15,000 | $ 7,000 |
| Savannah, GA | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Springfield, MA | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| St. Cloud, MN | 1 | $ 39,000 | $ 39,000 | $ 74,000 |
| St. George, UT | 1 | $ 37,000 | $ 37,000 | $ 86,000 |
| State College, PA | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Tallahassee, FL | 1 | $ 50,000 | $ 50,000 | $ 150,000 |
| Terre Haute, IN | 1 | $ 20,000 | $ 20,000 | $ 98,000 |
| Tuscaloosa, AL | 1 | $ 75,000 | $ 75,000 | $ 215,000 |
| Utica-Rome, NY | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Vallejo-Fairfield, CA | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Warner Robins, GA | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 50,000 | $ 50,000 | $ 116,000 |
| Wichita, KS | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Wilmington, DE-MD-NJ | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Winston-Salem, NC | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Worcester, MA | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Yakima, WA | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 44,000 | $ 44,000 | $ 67,000 |
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.
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