Discover Bank Mortgage Lending & HMDA Data, 2020

In 2020, Discover Bank of Greenwood, DE reported 113,043 mortgage applications totaling $8.9 billion, up 5% from 2019. The average application was for $78,561, and applicants reported an average income of $115,789. 11% of its applications resulted in an originated loan and 56% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (3,472), Chicago-Naperville, IL (2,970) and New York-Jersey City-White Plains, NY-NJ (2,813) (applications in parentheses).

Mortgage Company & Address Discover Bank
12 Reads Way
Greenwood, DE 19950
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 113,043
Total Mortgage Loan Application Amount $8,880,875,000
Average Mortgage Loan Application Amount $78,561
Highest Mortgage Loan Application Amount $205,000
Average Applicant Income $115,789
Highest Applicant Income $9,300,000

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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Discover Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 2,369 $ 231,535,000 $ 97,735 $ 147,000
Maricopa, Arizona 2,000 $ 153,730,000 $ 76,865 $ 121,000
Cook, Illinois 1,866 $ 150,780,000 $ 80,803 $ 119,000
Harris, Texas 1,641 $ 140,255,000 $ 85,469 $ 110,000
Clark, Nevada 1,178 $ 94,310,000 $ 80,059 $ 118,000
Broward, Florida 1,126 $ 91,660,000 $ 81,403 $ 113,000
Miami-Dade, Florida 1,061 $ 89,805,000 $ 84,641 $ 127,000
San Diego, California 1,016 $ 93,220,000 $ 91,751 $ 156,000
Riverside, California 988 $ 76,750,000 $ 77,682 $ 133,000
Suffolk, New York 969 $ 83,305,000 $ 85,970 $ 147,000
Orange, California 893 $ 90,465,000 $ 101,304 $ 158,000
Palm Beach, Florida 872 $ 71,250,000 $ 81,708 $ 113,000
Tarrant, Texas 828 $ 67,830,000 $ 81,920 $ 120,000
Dallas, Texas 797 $ 69,995,000 $ 87,823 $ 101,000
San Bernardino, California 743 $ 59,685,000 $ 80,329 $ 119,000
Nassau, New York 733 $ 71,625,000 $ 97,714 $ 153,000
Orange, Florida 679 $ 56,165,000 $ 82,717 $ 119,000
Hillsborough, Florida 665 $ 53,165,000 $ 79,947 $ 111,000
Gwinnett, Georgia 626 $ 50,330,000 $ 80,399 $ 108,000
Sacramento, California 614 $ 46,490,000 $ 75,716 $ 118,000
Bexar, Texas 580 $ 43,910,000 $ 75,706 $ 102,000
Pinellas, Florida 574 $ 44,520,000 $ 77,560 $ 104,000
Fulton, Georgia 559 $ 49,645,000 $ 88,810 $ 146,000
Cuyahoga, Ohio 537 $ 37,705,000 $ 70,214 $ 100,000
Fairfax, Virginia 530 $ 49,660,000 $ 93,698 $ 189,000
Fort Bend, Texas 516 $ 47,650,000 $ 92,344 $ 156,000
Allegheny, Pennsylvania 509 $ 37,515,000 $ 73,703 $ 101,000
Wake, North Carolina 506 $ 39,100,000 $ 77,272 $ 119,000
King, Washington 503 $ 49,095,000 $ 97,604 $ 161,000
Mecklenburg, North Carolina 495 $ 40,245,000 $ 81,303 $ 110,000
Wayne, Michigan 493 $ 32,745,000 $ 66,419 $ 95,000
Bergen, New Jersey 490 $ 42,560,000 $ 86,857 $ 154,000
Oakland, Michigan 484 $ 38,160,000 $ 78,842 $ 123,000
Philadelphia, Pennsylvania 484 $ 37,860,000 $ 78,223 $ 93,000
Middlesex, New Jersey 482 $ 41,440,000 $ 85,975 $ 138,000
Collin, Texas 481 $ 41,405,000 $ 86,081 $ 143,000
Queens, New York 475 $ 49,115,000 $ 103,400 $ 114,000
Franklin, Ohio 475 $ 34,525,000 $ 72,684 $ 96,000
Hennepin, Minnesota 471 $ 40,415,000 $ 85,806 $ 127,000
Cobb, Georgia 470 $ 37,540,000 $ 79,872 $ 129,000
Erie, New York 466 $ 34,420,000 $ 73,862 $ 104,000
DuPage, Illinois 455 $ 37,385,000 $ 82,164 $ 135,000
Denton, Texas 450 $ 36,870,000 $ 81,933 $ 140,000
Monmouth, New Jersey 431 $ 35,985,000 $ 83,491 $ 158,000
Ocean, New Jersey 431 $ 31,835,000 $ 73,863 $ 122,000
Middlesex, Massachusetts 430 $ 39,250,000 $ 91,279 $ 143,000
Salt Lake, Utah 422 $ 32,830,000 $ 77,796 $ 113,000
Travis, Texas 419 $ 37,885,000 $ 90,417 $ 131,000
Contra Costa, California 417 $ 38,495,000 $ 92,314 $ 163,000
Will, Illinois 415 $ 29,645,000 $ 71,433 $ 124,000
Lee, Florida 407 $ 32,585,000 $ 80,061 $ 95,000
Alameda, California 406 $ 45,330,000 $ 111,650 $ 176,000
Westchester, New York 401 $ 39,555,000 $ 98,640 $ 176,000
Duval, Florida 394 $ 28,910,000 $ 73,375 $ 107,000
Fairfield, Connecticut 388 $ 32,850,000 $ 84,664 $ 166,000
Pima, Arizona 377 $ 28,455,000 $ 75,477 $ 108,000
Montgomery, Pennsylvania 367 $ 29,965,000 $ 81,648 $ 136,000
Hartford, Connecticut 366 $ 28,640,000 $ 78,251 $ 118,000
Marion, Indiana 358 $ 24,410,000 $ 68,184 $ 85,000
Santa Clara, California 357 $ 42,175,000 $ 118,137 $ 194,000
New Castle, Delaware 355 $ 28,465,000 $ 80,183 $ 120,000
DeKalb, Georgia 353 $ 27,825,000 $ 78,824 $ 118,000
Pasco, Florida 352 $ 25,490,000 $ 72,414 $ 104,000
Lake, Illinois 345 $ 27,715,000 $ 80,333 $ 143,000
Arapahoe, Colorado 342 $ 27,480,000 $ 80,350 $ 125,000
El Paso, Colorado 342 $ 24,800,000 $ 72,514 $ 116,000
Bucks, Pennsylvania 342 $ 27,960,000 $ 81,754 $ 134,000
Brevard, Florida 339 $ 25,815,000 $ 76,150 $ 93,000
Shelby, Tennessee 335 $ 24,235,000 $ 72,343 $ 111,000
Worcester, Massachusetts 327 $ 24,385,000 $ 74,571 $ 116,000
New Haven, Connecticut 321 $ 24,235,000 $ 75,498 $ 123,000
Volusia, Florida 316 $ 24,570,000 $ 77,753 $ 83,000
Loudoun, Virginia 310 $ 26,060,000 $ 84,064 $ 196,000
Camden, New Jersey 309 $ 21,935,000 $ 70,987 $ 126,000
Morris, New Jersey 307 $ 25,875,000 $ 84,283 $ 156,000
Macomb, Michigan 305 $ 21,215,000 $ 69,557 $ 98,000
Polk, Florida 303 $ 23,735,000 $ 78,333 $ 88,000
Richmond, New York 302 $ 27,150,000 $ 89,900 $ 127,000
Kings, New York 301 $ 34,365,000 $ 114,169 $ 153,000
Essex, Massachusetts 300 $ 25,260,000 $ 84,200 $ 132,000
St. Louis, Missouri 299 $ 23,215,000 $ 77,642 $ 133,000
Seminole, Florida 293 $ 22,435,000 $ 76,569 $ 104,000
Burlington, New Jersey 293 $ 24,705,000 $ 84,317 $ 127,000
Sarasota, Florida 277 $ 23,125,000 $ 83,483 $ 94,000
Johnson, Kansas 277 $ 21,975,000 $ 79,332 $ 128,000
Jefferson, Colorado 274 $ 22,470,000 $ 82,007 $ 113,000
Pierce, Washington 274 $ 21,220,000 $ 77,445 $ 124,000
Jefferson, Kentucky 273 $ 18,935,000 $ 69,358 $ 99,000
Essex, New Jersey 273 $ 22,665,000 $ 83,021 $ 162,000
Prince William, Virginia 273 $ 19,955,000 $ 73,095 $ 149,000
Ventura, California 272 $ 24,060,000 $ 88,455 $ 157,000
Jackson, Missouri 269 $ 19,165,000 $ 71,245 $ 92,000
Montgomery, Texas 268 $ 21,130,000 $ 78,843 $ 132,000
Oklahoma, Oklahoma 267 $ 19,825,000 $ 74,250 $ 107,000
Monroe, New York 261 $ 19,485,000 $ 74,655 $ 102,000
Summit, Ohio 257 $ 19,555,000 $ 76,089 $ 101,000
Douglas, Colorado 254 $ 19,940,000 $ 78,503 $ 161,000
Union, New Jersey 251 $ 20,515,000 $ 81,733 $ 139,000
Kane, Illinois 250 $ 19,630,000 $ 78,520 $ 132,000
Delaware, Pennsylvania 248 $ 19,710,000 $ 79,475 $ 114,000
Chester, Pennsylvania 246 $ 19,800,000 $ 80,487 $ 150,000
San Joaquin, California 245 $ 19,585,000 $ 79,938 $ 130,000
Snohomish, Washington 245 $ 20,695,000 $ 84,469 $ 135,000
Tulsa, Oklahoma 243 $ 17,315,000 $ 71,255 $ 101,000
Douglas, Nebraska 242 $ 17,150,000 $ 70,867 $ 100,000
Davidson, Tennessee 240 $ 20,510,000 $ 85,458 $ 114,000
El Paso, Texas 239 $ 18,625,000 $ 77,928 $ 89,000
Lake, Florida 233 $ 17,115,000 $ 73,454 $ 109,000
Pinal, Arizona 232 $ 15,510,000 $ 66,853 $ 87,000
Lake, Indiana 232 $ 15,990,000 $ 68,922 $ 102,000
Providence, Rhode Island 232 $ 17,100,000 $ 73,706 $ 97,000
Greenville, South Carolina 231 $ 16,345,000 $ 70,757 $ 110,000
Plymouth, Massachusetts 228 $ 18,970,000 $ 83,201 $ 138,000
Cherokee, Georgia 227 $ 16,815,000 $ 74,074 $ 122,000
Hamilton, Ohio 227 $ 16,275,000 $ 71,696 $ 98,000
Kern, California 225 $ 16,945,000 $ 75,311 $ 99,000
Passaic, New Jersey 225 $ 18,935,000 $ 84,155 $ 127,000
Fresno, California 218 $ 17,690,000 $ 81,146 $ 126,000
Bristol, Massachusetts 218 $ 16,370,000 $ 75,091 $ 120,000
Adams, Colorado 216 $ 16,670,000 $ 77,175 $ 110,000
Forsyth, Georgia 215 $ 16,945,000 $ 78,813 $ 145,000
Williamson, Texas 215 $ 16,895,000 $ 78,581 $ 118,000
Orange, New York 214 $ 17,360,000 $ 81,121 $ 124,000
Norfolk, Massachusetts 213 $ 18,545,000 $ 87,065 $ 141,000
Denver, Colorado 211 $ 18,005,000 $ 85,331 $ 134,000
Ada, Idaho 211 $ 16,165,000 $ 76,611 $ 115,000
Horry, South Carolina 209 $ 14,585,000 $ 69,784 $ 77,000
Dakota, Minnesota 208 $ 15,550,000 $ 74,759 $ 127,000
McHenry, Illinois 207 $ 15,365,000 $ 74,227 $ 121,000
Lancaster, Pennsylvania 203 $ 14,705,000 $ 72,438 $ 102,000
Jefferson, Alabama 200 $ 14,820,000 $ 74,100 $ 101,000
Washington, Oregon 200 $ 16,340,000 $ 81,700 $ 138,000
Knox, Tennessee 199 $ 14,775,000 $ 74,246 $ 132,000
Milwaukee, Wisconsin 198 $ 14,880,000 $ 75,151 $ 103,000
Marion, Florida 197 $ 14,135,000 $ 71,751 $ 87,000
Stanislaus, California 193 $ 13,985,000 $ 72,461 $ 104,000
Mercer, New Jersey 193 $ 14,935,000 $ 77,383 $ 131,000
Manatee, Florida 192 $ 15,630,000 $ 81,406 $ 115,000
Hillsborough, New Hampshire 189 $ 15,065,000 $ 79,708 $ 119,000
Somerset, New Jersey 189 $ 15,685,000 $ 82,989 $ 171,000
Multnomah, Oregon 189 $ 16,765,000 $ 88,703 $ 117,000
Honolulu, Hawaii 186 $ 17,750,000 $ 95,430 $ 128,000
Rockingham, New Hampshire 186 $ 14,920,000 $ 80,215 $ 118,000
Hidalgo, Texas 185 $ 14,325,000 $ 77,432 $ 97,000
Chesterfield, Virginia 185 $ 14,345,000 $ 77,540 $ 128,000
Placer, California 184 $ 15,530,000 $ 84,402 $ 161,000
York, Pennsylvania 183 $ 12,615,000 $ 68,934 $ 110,000
Charleston, South Carolina 181 $ 14,745,000 $ 81,464 $ 125,000
Northampton, Pennsylvania 180 $ 14,030,000 $ 77,944 $ 111,000
Washoe, Nevada 179 $ 13,965,000 $ 78,016 $ 113,000
Onondaga, New York 179 $ 12,645,000 $ 70,642 $ 104,000
Collier, Florida 178 $ 15,920,000 $ 89,438 $ 134,000
St. Charles, Missouri 178 $ 13,320,000 $ 74,831 $ 131,000
St. Lucie, Florida 177 $ 13,405,000 $ 75,734 $ 80,000
Kent, Michigan 173 $ 12,995,000 $ 75,115 $ 103,000
Gloucester, New Jersey 173 $ 12,515,000 $ 72,341 $ 138,000
Bernalillo, New Mexico 173 $ 14,435,000 $ 83,439 $ 107,000
Sedgwick, Kansas 171 $ 12,515,000 $ 73,187 $ 89,000
District of Columbia, District Of Columbia 170 $ 16,660,000 $ 98,000 $ 157,000
Berks, Pennsylvania 169 $ 11,895,000 $ 70,384 $ 104,000
Jefferson, Louisiana 168 $ 13,270,000 $ 78,988 $ 96,000
Utah, Utah 168 $ 12,870,000 $ 76,607 $ 125,000
Ramsey, Minnesota 166 $ 12,610,000 $ 75,963 $ 117,000
Hamilton, Indiana 164 $ 13,220,000 $ 80,609 $ 119,000
Guilford, North Carolina 161 $ 12,135,000 $ 75,372 $ 111,000
St. Johns, Florida 160 $ 11,810,000 $ 73,812 $ 141,000
Atlantic, New Jersey 159 $ 11,445,000 $ 71,981 $ 97,000
Hudson, New Jersey 159 $ 15,745,000 $ 99,025 $ 130,000
Lehigh, Pennsylvania 159 $ 11,995,000 $ 75,440 $ 106,000
Rockland, New York 158 $ 14,140,000 $ 89,493 $ 160,000
Osceola, Florida 157 $ 12,755,000 $ 81,242 $ 99,000
San Mateo, California 156 $ 18,060,000 $ 115,769 $ 166,000
Henrico, Virginia 155 $ 11,545,000 $ 74,483 $ 122,000
Anoka, Minnesota 154 $ 12,150,000 $ 78,896 $ 100,000
Sussex, Delaware 153 $ 13,515,000 $ 88,333 $ 88,000
Dutchess, New York 153 $ 11,355,000 $ 74,215 $ 118,000
Montgomery, Ohio 153 $ 10,095,000 $ 65,980 $ 98,000
York, South Carolina 152 $ 10,710,000 $ 70,460 $ 106,000
Rutherford, Tennessee 151 $ 11,315,000 $ 74,933 $ 105,000
Weld, Colorado 148 $ 9,760,000 $ 65,945 $ 116,000
Spokane, Washington 148 $ 11,140,000 $ 75,270 $ 105,000
Westmoreland, Pennsylvania 147 $ 10,095,000 $ 68,673 $ 103,000
Hernando, Florida 146 $ 11,380,000 $ 77,945 $ 101,000
Virginia Beach, Virginia 146 $ 10,360,000 $ 70,958 $ 106,000
Allen, Indiana 144 $ 9,800,000 $ 68,055 $ 89,000
Benton, Arkansas 143 $ 12,355,000 $ 86,398 $ 122,000
Clark, Washington 143 $ 11,645,000 $ 81,433 $ 115,000
Butler, Ohio 142 $ 9,940,000 $ 70,000 $ 103,000
Stark, Ohio 142 $ 9,820,000 $ 69,154 $ 86,000
Waukesha, Wisconsin 141 $ 11,115,000 $ 78,829 $ 137,000
Charlotte, Florida 140 $ 11,120,000 $ 79,428 $ 90,000
Greene, Missouri 140 $ 10,000,000 $ 71,428 $ 81,000
Hamilton, Tennessee 139 $ 10,235,000 $ 73,633 $ 101,000
Mobile, Alabama 138 $ 9,390,000 $ 68,043 $ 101,000
Solano, California 138 $ 12,650,000 $ 91,666 $ 147,000
Lorain, Ohio 137 $ 9,475,000 $ 69,160 $ 92,000
Clackamas, Oregon 136 $ 11,470,000 $ 84,338 $ 132,000
Richland, South Carolina 135 $ 9,675,000 $ 71,666 $ 95,000
Brazoria, Texas 134 $ 11,210,000 $ 83,656 $ 124,000
Escambia, Florida 132 $ 10,550,000 $ 79,924 $ 97,000
Hampden, Massachusetts 132 $ 8,950,000 $ 67,803 $ 97,000
Larimer, Colorado 131 $ 9,925,000 $ 75,763 $ 107,000
Pulaski, Arkansas 129 $ 9,995,000 $ 77,480 $ 109,000
Union, North Carolina 129 $ 10,445,000 $ 80,968 $ 150,000
Henry, Georgia 128 $ 8,910,000 $ 69,609 $ 86,000
Galveston, Texas 128 $ 10,120,000 $ 79,062 $ 122,000
Madison, Alabama 126 $ 8,950,000 $ 71,031 $ 108,000
Luzerne, Pennsylvania 126 $ 8,100,000 $ 64,285 $ 79,000
Bronx, New York 125 $ 11,075,000 $ 88,600 $ 122,000
Monroe, Pennsylvania 125 $ 9,205,000 $ 73,640 $ 81,000
St. Tammany, Louisiana 124 $ 9,820,000 $ 79,193 $ 102,000
Lucas, Ohio 124 $ 7,800,000 $ 62,903 $ 97,000
Mohave, Arizona 123 $ 8,695,000 $ 70,691 $ 86,000
East Baton Rouge, Louisiana 123 $ 9,375,000 $ 76,219 $ 129,000
Lancaster, Nebraska 123 $ 9,435,000 $ 76,707 $ 90,000
Forsyth, North Carolina 123 $ 9,025,000 $ 73,373 $ 84,000
Clayton, Georgia 122 $ 9,580,000 $ 78,524 $ 82,000
Saratoga, New York 122 $ 8,970,000 $ 73,524 $ 136,000
Orleans, Louisiana 121 $ 9,135,000 $ 75,495 $ 119,000
Cabarrus, North Carolina 121 $ 8,395,000 $ 69,380 $ 129,000
Williamson, Tennessee 121 $ 9,095,000 $ 75,165 $ 142,000
Cleveland, Oklahoma 120 $ 9,480,000 $ 79,000 $ 105,000
Washtenaw, Michigan 119 $ 9,405,000 $ 79,033 $ 119,000
Santa Barbara, California 118 $ 10,990,000 $ 93,135 $ 148,000
Cumberland, Maine 118 $ 8,270,000 $ 70,084 $ 112,000
New London, Connecticut 117 $ 8,195,000 $ 70,042 $ 141,000
Bell, Texas 117 $ 8,825,000 $ 75,427 $ 91,000
Davis, Utah 117 $ 8,455,000 $ 72,264 $ 116,000
Washington, Minnesota 116 $ 9,690,000 $ 83,534 $ 141,000
DeSoto, Mississippi 116 $ 9,310,000 $ 80,258 $ 96,000
Spartanburg, South Carolina 116 $ 8,330,000 $ 71,810 $ 89,000
Chatham, Georgia 115 $ 9,505,000 $ 82,652 $ 109,000
Kitsap, Washington 115 $ 9,865,000 $ 85,782 $ 128,000
Paulding, Georgia 114 $ 8,010,000 $ 70,263 $ 152,000
Lexington, South Carolina 113 $ 7,205,000 $ 63,761 $ 89,000
Yavapai, Arizona 111 $ 9,265,000 $ 83,468 $ 104,000
Kent, Delaware 111 $ 8,075,000 $ 72,747 $ 92,000
Leon, Florida 111 $ 8,955,000 $ 80,675 $ 137,000
Winnebago, Illinois 110 $ 7,330,000 $ 66,636 $ 128,000
York, Maine 110 $ 8,250,000 $ 75,000 $ 95,000
San Francisco, California 109 $ 14,415,000 $ 132,247 $ 183,000
Jefferson, Missouri 109 $ 8,015,000 $ 73,532 $ 93,000
Sussex, New Jersey 109 $ 8,435,000 $ 77,385 $ 134,000
Marion, Oregon 109 $ 9,255,000 $ 84,908 $ 95,000
Genesee, Michigan 108 $ 7,860,000 $ 72,777 $ 102,000
Buncombe, North Carolina 108 $ 9,060,000 $ 83,888 $ 108,000
Durham, North Carolina 108 $ 8,710,000 $ 80,648 $ 102,000
Warren, Ohio 108 $ 7,930,000 $ 73,425 $ 141,000
Spotsylvania, Virginia 106 $ 7,170,000 $ 67,641 $ 118,000
Boulder, Colorado 105 $ 9,645,000 $ 91,857 $ 142,000
St. Joseph, Indiana 105 $ 6,825,000 $ 65,000 $ 92,000
Clay, Missouri 104 $ 7,200,000 $ 69,230 $ 105,000
Iredell, North Carolina 104 $ 7,570,000 $ 72,788 $ 115,000
Lackawanna, Pennsylvania 104 $ 7,040,000 $ 67,692 $ 101,000
Martin, Florida 103 $ 7,615,000 $ 73,932 $ 108,000
Suffolk, Massachusetts 103 $ 9,755,000 $ 94,708 $ 142,000
Lake, Ohio 103 $ 6,295,000 $ 61,116 $ 93,000
Hall, Georgia 101 $ 8,015,000 $ 79,356 $ 133,000
Madison, Illinois 101 $ 7,175,000 $ 71,039 $ 114,000
Medina, Ohio 101 $ 7,515,000 $ 74,405 $ 133,000
Delaware, Ohio 100 $ 8,210,000 $ 82,100 $ 122,000
Lubbock, Texas 100 $ 7,600,000 $ 76,000 $ 106,000
Shelby, Alabama 99 $ 7,185,000 $ 72,575 $ 107,000
Fayette, Kentucky 99 $ 8,175,000 $ 82,575 $ 141,000
Barnstable, Massachusetts 99 $ 7,535,000 $ 76,111 $ 144,000
Thurston, Washington 99 $ 6,695,000 $ 67,626 $ 101,000
Tulare, California 98 $ 7,010,000 $ 71,530 $ 112,000
Beaufort, South Carolina 98 $ 7,400,000 $ 75,510 $ 136,000
Litchfield, Connecticut 97 $ 6,555,000 $ 67,577 $ 108,000
Okaloosa, Florida 97 $ 8,045,000 $ 82,938 $ 105,000
Berkeley, South Carolina 97 $ 6,405,000 $ 66,030 $ 108,000
Porter, Indiana 96 $ 6,890,000 $ 71,770 $ 103,000
Albany, New York 95 $ 7,245,000 $ 76,263 $ 101,000
Ulster, New York 95 $ 7,705,000 $ 81,105 $ 88,000
Johnston, North Carolina 94 $ 7,250,000 $ 77,127 $ 90,000
Cumberland, Pennsylvania 94 $ 7,170,000 $ 76,276 $ 121,000
Niagara, New York 93 $ 7,205,000 $ 77,473 $ 87,000
Sarpy, Nebraska 92 $ 6,660,000 $ 72,391 $ 113,000
Mahoning, Ohio 92 $ 5,210,000 $ 56,630 $ 103,000
Lane, Oregon 92 $ 7,400,000 $ 80,434 $ 105,000
Chesapeake, Virginia 92 $ 6,120,000 $ 66,521 $ 130,000
Baldwin, Alabama 91 $ 7,125,000 $ 78,296 $ 117,000
Sonoma, California 91 $ 7,765,000 $ 85,329 $ 134,000
Clay, Florida 91 $ 8,055,000 $ 88,516 $ 109,000
Putnam, New York 91 $ 7,555,000 $ 83,021 $ 132,000
Berkeley, West Virginia 91 $ 7,235,000 $ 79,505 $ 88,000
El Dorado, California 90 $ 8,770,000 $ 97,444 $ 166,000
Citrus, Florida 90 $ 6,170,000 $ 68,555 $ 75,000
Flagler, Florida 90 $ 7,090,000 $ 78,777 $ 83,000
Sumner, Tennessee 90 $ 6,820,000 $ 75,777 $ 108,000
Middlesex, Connecticut 89 $ 7,055,000 $ 79,269 $ 124,000
Anderson, South Carolina 89 $ 6,095,000 $ 68,483 $ 100,000
Cumberland, North Carolina 88 $ 5,430,000 $ 61,704 $ 118,000
Stafford, Virginia 88 $ 6,020,000 $ 68,409 $ 141,000
Indian River, Florida 87 $ 7,005,000 $ 80,517 $ 89,000
Canyon, Idaho 87 $ 6,335,000 $ 72,816 $ 89,000
Hendricks, Indiana 87 $ 6,955,000 $ 79,942 $ 124,000
Kent, Rhode Island 87 $ 5,505,000 $ 63,275 $ 100,000
New York, New York 86 $ 10,170,000 $ 118,255 $ 204,000
Washington, Pennsylvania 86 $ 6,240,000 $ 72,558 $ 121,000
Santa Rosa, Florida 85 $ 6,605,000 $ 77,705 $ 107,000
Hunterdon, New Jersey 85 $ 6,785,000 $ 79,823 $ 164,000
Clermont, Ohio 85 $ 6,435,000 $ 75,705 $ 91,000
San Luis Obispo, California 84 $ 7,250,000 $ 86,309 $ 160,000
Kendall, Illinois 84 $ 4,870,000 $ 57,976 $ 134,000
New Hanover, North Carolina 84 $ 6,820,000 $ 81,190 $ 110,000
Trumbull, Ohio 84 $ 4,640,000 $ 55,238 $ 85,000
Monterey, California 83 $ 7,975,000 $ 96,084 $ 165,000
Weber, Utah 83 $ 6,125,000 $ 73,795 $ 106,000
Alachua, Florida 80 $ 6,710,000 $ 83,875 $ 97,000
Cameron, Texas 80 $ 5,690,000 $ 71,125 $ 86,000
Fayette, Georgia 79 $ 7,065,000 $ 89,430 $ 154,000
Oneida, New York 79 $ 4,865,000 $ 61,582 $ 86,000
McLennan, Texas 79 $ 5,485,000 $ 69,430 $ 100,000
Dane, Wisconsin 79 $ 6,685,000 $ 84,620 $ 118,000
Anchorage, Alaska 78 $ 5,200,000 $ 66,666 $ 118,000
Hawaii, Hawaii 78 $ 7,370,000 $ 94,487 $ 88,000
Wright, Minnesota 78 $ 5,400,000 $ 69,230 $ 235,000
Gaston, North Carolina 78 $ 5,000,000 $ 64,102 $ 91,000
Dauphin, Pennsylvania 78 $ 6,030,000 $ 77,307 $ 111,000
Ottawa, Michigan 77 $ 4,715,000 $ 61,233 $ 101,000
Butler, Pennsylvania 77 $ 5,825,000 $ 75,649 $ 118,000
Minnehaha, South Dakota 76 $ 5,610,000 $ 73,815 $ 100,000
Nueces, Texas 76 $ 6,200,000 $ 81,578 $ 84,000
Washington, Arkansas 75 $ 5,485,000 $ 73,133 $ 103,000
Lafayette, Louisiana 75 $ 5,575,000 $ 74,333 $ 89,000
Livingston, Michigan 75 $ 6,065,000 $ 80,866 $ 103,000
Schenectady, New York 75 $ 5,145,000 $ 68,600 $ 93,000
Yolo, California 74 $ 5,810,000 $ 78,513 $ 139,000
Coweta, Georgia 74 $ 5,770,000 $ 77,972 $ 105,000
Canadian, Oklahoma 74 $ 5,780,000 $ 78,108 $ 113,000
Pueblo, Colorado 73 $ 5,335,000 $ 73,082 $ 133,000
Broome, New York 73 $ 5,275,000 $ 72,260 $ 142,000
Fairfield, Ohio 73 $ 5,405,000 $ 74,041 $ 96,000
Licking, Ohio 73 $ 5,305,000 $ 72,671 $ 109,000
Douglas, Georgia 72 $ 4,430,000 $ 61,527 $ 98,000
Johnson, Indiana 72 $ 4,790,000 $ 66,527 $ 116,000
Warren, New Jersey 72 $ 5,910,000 $ 82,083 $ 110,000
Sandoval, New Mexico 72 $ 5,000,000 $ 69,444 $ 112,000
Deschutes, Oregon 72 $ 5,450,000 $ 75,694 $ 106,000
Kanawha, West Virginia 72 $ 4,860,000 $ 67,500 $ 95,000
Brown, Wisconsin 72 $ 5,090,000 $ 70,694 $ 103,000
Boone, Kentucky 71 $ 4,635,000 $ 65,281 $ 106,000
Erie, Pennsylvania 70 $ 4,720,000 $ 67,428 $ 105,000
Ellis, Texas 70 $ 5,840,000 $ 83,428 $ 113,000
Webb, Texas 70 $ 5,430,000 $ 77,571 $ 103,000
St. Louis, Minnesota 69 $ 5,025,000 $ 72,826 $ 105,000
Dorchester, South Carolina 69 $ 4,485,000 $ 65,000 $ 104,000
Johnson, Texas 69 $ 5,165,000 $ 74,855 $ 112,000
Mesa, Colorado 68 $ 5,400,000 $ 79,411 $ 100,000
Tolland, Connecticut 68 $ 4,880,000 $ 71,764 $ 114,000
Columbia, Georgia 68 $ 4,410,000 $ 64,852 $ 124,000
Ingham, Michigan 68 $ 4,840,000 $ 71,176 $ 109,000
St. Clair, Michigan 68 $ 4,810,000 $ 70,735 $ 100,000
Kenosha, Wisconsin 68 $ 5,200,000 $ 76,470 $ 136,000
St. Clair, Illinois 67 $ 4,335,000 $ 64,701 $ 101,000
Merrimack, New Hampshire 67 $ 4,615,000 $ 68,880 $ 103,000
Beaver, Pennsylvania 67 $ 4,675,000 $ 69,776 $ 114,000
Walton, Georgia 66 $ 4,300,000 $ 65,151 $ 111,000
Monroe, Michigan 66 $ 4,970,000 $ 75,303 $ 98,000
Scott, Minnesota 66 $ 5,180,000 $ 78,484 $ 112,000
Jackson, Oregon 66 $ 5,100,000 $ 77,272 $ 85,000
Sumter, Florida 65 $ 5,415,000 $ 83,307 $ 84,000
Grayson, Texas 65 $ 5,165,000 $ 79,461 $ 116,000
Racine, Wisconsin 65 $ 4,395,000 $ 67,615 $ 88,000
Marin, California 64 $ 8,130,000 $ 127,031 $ 198,000
Arlington, Virginia 64 $ 6,330,000 $ 98,906 $ 188,000
Shasta, California 63 $ 5,365,000 $ 85,158 $ 105,000
Kenton, Kentucky 63 $ 4,435,000 $ 70,396 $ 89,000
Ascension, Louisiana 63 $ 4,665,000 $ 74,047 $ 129,000
Brunswick, North Carolina 63 $ 5,345,000 $ 84,841 $ 94,000
Hays, Texas 63 $ 4,965,000 $ 78,809 $ 113,000
Lee, Alabama 62 $ 4,770,000 $ 76,935 $ 92,000
Butte, California 62 $ 4,650,000 $ 75,000 $ 131,000
Bay, Florida 62 $ 5,540,000 $ 89,354 $ 124,000
Montgomery, Tennessee 62 $ 3,800,000 $ 61,290 $ 98,000
Harrison, Mississippi 61 $ 4,065,000 $ 66,639 $ 78,000
Portage, Ohio 61 $ 3,605,000 $ 59,098 $ 107,000
Pike, Pennsylvania 61 $ 4,655,000 $ 76,311 $ 98,000
Comal, Texas 61 $ 4,685,000 $ 76,803 $ 135,000
Midland, Texas 61 $ 4,825,000 $ 79,098 $ 128,000
Maui, Hawaii 60 $ 5,470,000 $ 91,166 $ 140,000
Kootenai, Idaho 60 $ 4,650,000 $ 77,500 $ 93,000
Champaign, Illinois 60 $ 4,490,000 $ 74,833 $ 167,000
Cape May, New Jersey 60 $ 5,050,000 $ 84,166 $ 97,000
Franklin, Pennsylvania 60 $ 4,930,000 $ 82,166 $ 83,000
Hanover, Virginia 60 $ 3,930,000 $ 65,500 $ 111,000
Norfolk, Virginia 60 $ 4,250,000 $ 70,833 $ 85,000
McLean, Illinois 59 $ 4,685,000 $ 79,406 $ 94,000
Cumberland, New Jersey 59 $ 3,955,000 $ 67,033 $ 91,000
Dona Ana, New Mexico 59 $ 4,855,000 $ 82,288 $ 87,000
Santa Fe, New Mexico 59 $ 4,645,000 $ 78,728 $ 99,000
Henderson, North Carolina 59 $ 4,725,000 $ 80,084 $ 79,000
Parker, Texas 59 $ 5,055,000 $ 85,677 $ 131,000
Merced, California 58 $ 4,610,000 $ 79,482 $ 119,000
Caddo, Louisiana 58 $ 4,130,000 $ 71,206 $ 95,000
Benton, Washington 58 $ 4,380,000 $ 75,517 $ 129,000
St. Louis City, Missouri 57 $ 4,765,000 $ 83,596 $ 99,000
Gallatin, Montana 57 $ 5,125,000 $ 89,912 $ 119,000
Rockwall, Texas 57 $ 4,335,000 $ 76,052 $ 128,000
Washington, Utah 57 $ 3,875,000 $ 67,982 $ 79,000
Santa Cruz, California 56 $ 5,370,000 $ 95,892 $ 166,000
Muscogee, Georgia 56 $ 4,080,000 $ 72,857 $ 104,000
Newton, Georgia 56 $ 4,640,000 $ 82,857 $ 85,000
Elkhart, Indiana 56 $ 3,620,000 $ 64,642 $ 84,000
Madison, Indiana 56 $ 3,570,000 $ 63,750 $ 71,000
Kalamazoo, Michigan 56 $ 3,510,000 $ 62,678 $ 87,000
Cass, Missouri 56 $ 4,900,000 $ 87,500 $ 113,000
Alamance, North Carolina 56 $ 3,960,000 $ 70,714 $ 85,000
Smith, Texas 56 $ 4,610,000 $ 82,321 $ 129,000
Richmond City, Virginia 56 $ 4,710,000 $ 84,107 $ 102,000
Laramie, Wyoming 56 $ 3,700,000 $ 66,071 $ 113,000
Sullivan, New York 55 $ 3,785,000 $ 68,818 $ 137,000
Kaufman, Texas 55 $ 4,765,000 $ 86,636 $ 117,000
Rockdale, Georgia 54 $ 4,150,000 $ 76,851 $ 98,000
Jackson, Michigan 54 $ 3,510,000 $ 65,000 $ 107,000
Strafford, New Hampshire 54 $ 4,520,000 $ 83,703 $ 103,000
Catawba, North Carolina 54 $ 4,260,000 $ 78,888 $ 96,000
Cass, North Dakota 54 $ 3,980,000 $ 73,703 $ 108,000
Yakima, Washington 54 $ 3,750,000 $ 69,444 $ 87,000
Madera, California 53 $ 3,905,000 $ 73,679 $ 121,000
Livingston, Louisiana 53 $ 4,225,000 $ 79,716 $ 113,000
Hinds, Mississippi 53 $ 3,335,000 $ 62,924 $ 90,000
Wood, Ohio 53 $ 3,715,000 $ 70,094 $ 100,000
Whatcom, Washington 53 $ 4,405,000 $ 83,113 $ 106,000
Rock, Wisconsin 53 $ 3,395,000 $ 64,056 $ 92,000
Tuscaloosa, Alabama 52 $ 3,260,000 $ 62,692 $ 85,000
Carroll, Georgia 52 $ 3,780,000 $ 72,692 $ 89,000
Sangamon, Illinois 52 $ 3,100,000 $ 59,615 $ 77,000
Clark, Indiana 52 $ 3,170,000 $ 60,961 $ 92,000
Tippecanoe, Indiana 52 $ 4,550,000 $ 87,500 $ 90,000
Shawnee, Kansas 52 $ 3,730,000 $ 71,730 $ 82,000
Richland, Ohio 52 $ 3,100,000 $ 59,615 $ 197,000
Wilson, Tennessee 52 $ 4,300,000 $ 82,692 $ 106,000
Montgomery, Alabama 51 $ 3,315,000 $ 65,000 $ 104,000
Barrow, Georgia 51 $ 3,475,000 $ 68,137 $ 73,000
Rankin, Mississippi 51 $ 3,635,000 $ 71,274 $ 97,000
Aiken, South Carolina 51 $ 3,525,000 $ 69,117 $ 83,000
Guadalupe, Texas 51 $ 3,845,000 $ 75,392 $ 109,000
Saline, Arkansas 50 $ 3,320,000 $ 66,400 $ 108,000
Windham, Connecticut 50 $ 3,070,000 $ 61,400 $ 116,000
Salem, New Jersey 50 $ 3,440,000 $ 68,800 $ 114,000
Rensselaer, New York 50 $ 3,490,000 $ 69,800 $ 107,000
Jackson, Georgia 49 $ 3,365,000 $ 68,673 $ 97,000
Bonneville, Idaho 49 $ 4,285,000 $ 87,448 $ 117,000
Penobscot, Maine 49 $ 3,195,000 $ 65,204 $ 80,000
Yellowstone, Montana 49 $ 3,695,000 $ 75,408 $ 128,000
Chautauqua, New York 49 $ 2,975,000 $ 60,714 $ 76,000
Davidson, North Carolina 49 $ 3,055,000 $ 62,346 $ 85,000
Wyandotte, Kansas 48 $ 3,030,000 $ 63,125 $ 87,000
Berrien, Michigan 48 $ 3,050,000 $ 63,541 $ 102,000
Jackson, Mississippi 48 $ 3,170,000 $ 66,041 $ 94,000
Christian, Missouri 48 $ 3,400,000 $ 70,833 $ 96,000
Fayette, Pennsylvania 48 $ 3,010,000 $ 62,708 $ 78,000
Schuylkill, Pennsylvania 48 $ 3,230,000 $ 67,291 $ 76,000
Taylor, Texas 48 $ 3,620,000 $ 75,416 $ 102,000
Fauquier, Virginia 48 $ 3,840,000 $ 80,000 $ 264,000
Houston, Georgia 47 $ 3,505,000 $ 74,574 $ 110,000
Onslow, North Carolina 47 $ 3,435,000 $ 73,085 $ 84,000
Greene, Ohio 47 $ 3,305,000 $ 70,319 $ 115,000
Brazos, Texas 47 $ 3,985,000 $ 84,787 $ 94,000
Carver, Minnesota 46 $ 4,180,000 $ 90,869 $ 126,000
Blount, Tennessee 46 $ 2,930,000 $ 63,695 $ 91,000
Jefferson, West Virginia 46 $ 3,750,000 $ 81,521 $ 154,000
Tangipahoa, Louisiana 45 $ 3,245,000 $ 72,111 $ 84,000
Belknap, New Hampshire 45 $ 3,345,000 $ 74,333 $ 83,000
Lebanon, Pennsylvania 45 $ 3,365,000 $ 74,777 $ 87,000
Randall, Texas 45 $ 4,275,000 $ 95,000 $ 140,000
Richmond, Georgia 44 $ 2,690,000 $ 61,136 $ 71,000
LaPorte, Indiana 44 $ 3,260,000 $ 74,090 $ 82,000
Calcasieu, Louisiana 44 $ 3,090,000 $ 70,227 $ 92,000
Berkshire, Massachusetts 44 $ 3,490,000 $ 79,318 $ 95,000
Olmsted, Minnesota 44 $ 3,240,000 $ 73,636 $ 84,000
Platte, Missouri 44 $ 3,620,000 $ 82,272 $ 111,000
Flathead, Montana 44 $ 3,250,000 $ 73,863 $ 117,000
Cheshire, New Hampshire 44 $ 3,030,000 $ 68,863 $ 91,000
Ontario, New York 44 $ 3,660,000 $ 83,181 $ 122,000
Miami, Ohio 44 $ 2,600,000 $ 59,090 $ 86,000
Wichita, Texas 44 $ 2,880,000 $ 65,454 $ 75,000
Alexandria, Virginia 44 $ 4,040,000 $ 91,818 $ 168,000
Walworth, Wisconsin 44 $ 3,140,000 $ 71,363 $ 107,000
Washington, Wisconsin 44 $ 2,840,000 $ 64,545 $ 108,000
Yuma, Arizona 43 $ 3,005,000 $ 69,883 $ 84,000
Glynn, Georgia 43 $ 3,095,000 $ 71,976 $ 94,000
Androscoggin, Maine 43 $ 3,015,000 $ 70,116 $ 85,000
Lapeer, Michigan 43 $ 2,825,000 $ 65,697 $ 82,000
Moore, North Carolina 43 $ 3,355,000 $ 78,023 $ 96,000
Clark, Ohio 43 $ 2,815,000 $ 65,465 $ 92,000
Washington, Rhode Island 43 $ 3,455,000 $ 80,348 $ 137,000
Bibb, Georgia 42 $ 3,020,000 $ 71,904 $ 76,000
Campbell, Kentucky 42 $ 2,400,000 $ 57,142 $ 98,000
Linn, Oregon 42 $ 2,350,000 $ 55,952 $ 81,000
Florence, South Carolina 42 $ 2,580,000 $ 61,428 $ 78,000
Pickens, South Carolina 42 $ 2,710,000 $ 64,523 $ 117,000
Hampton, Virginia 42 $ 2,770,000 $ 65,952 $ 87,000
Calhoun, Alabama 41 $ 2,595,000 $ 63,292 $ 65,000
Napa, California 41 $ 3,755,000 $ 91,585 $ 198,000
Highlands, Florida 41 $ 2,795,000 $ 68,170 $ 73,000
Vanderburgh, Indiana 41 $ 3,365,000 $ 82,073 $ 102,000
Wayne, New York 41 $ 2,865,000 $ 69,878 $ 80,000
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Mortgage Loan Application Detail Totals for Discover Bank in 2020

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
Other Purpose 55,347 $3,950,675,000 $71,000 $205,000 $113,000 $8,911,000
Home Improvement 37,582 $2,687,600,000 $71,000 $205,000 $126,000 $9,300,000
Refinancing 18,644 $2,078,680,000 $111,000 $205,000 $103,000 $3,240,000
Home Purchase 1,470 $163,920,000 $111,000 $205,000 $122,000 $1,700,000
Not Applicable 0 $0 $0 $0 $0 $0
Cash-out 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
White 69,156 $5,301,290,000 $76,000 $205,000 $115,000 $6,833,000
Not Provided 17,207 $1,392,805,000 $80,000 $205,000 $123,000 $8,911,000
Hispanic 9,683 $745,525,000 $76,000 $205,000 $108,000 $6,124,000
Black or African American 6,948 $507,520,000 $73,000 $205,000 $97,000 $9,300,000
Asian 5,631 $547,055,000 $97,000 $205,000 $129,000 $3,344,000
American Indian or Alaskan Native 1,452 $109,270,000 $75,000 $205,000 $95,000 $1,570,000
Native Hawaiian or Other Pacific Islander 173 $13,725,000 $79,000 $205,000 $118,000 $2,117,000
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) 113,043 $8,880,875,000 $78,000 $205,000 $116,000 $9,300,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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 63,467 $4,812,725,000 $75,000 $205,000 $108,000 $9,300,000
File Closed For Incompleteness 19,994 $1,599,800,000 $80,000 $205,000 $121,000 $6,833,000
Application Withdrawn By Applicant 16,628 $1,425,370,000 $85,000 $205,000 $125,000 $8,911,000
Loan Originated 12,441 $999,875,000 $80,000 $205,000 $133,000 $1,385,000
Application Approved But Not Accepted 513 $43,105,000 $84,000 $205,000 $129,000 $600,000
Loan Purchased By The Institution 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
Not applicable 49,576 $4,068,150,000 $82,000 $205,000 $126,000 $8,911,000
Collateral 21,200 $1,584,000,000 $74,000 $205,000 $117,000 $6,050,000
Credit History 17,085 $1,207,315,000 $70,000 $205,000 $100,000 $9,300,000
Debt-To-Income Ratio 8,578 $692,700,000 $80,000 $205,000 $70,000 $912,000
Unverifiable Information 7,305 $527,695,000 $72,000 $205,000 $126,000 $6,124,000
Credit Application Incomplete 5,850 $500,180,000 $85,000 $205,000 $121,000 $5,454,000
Other 3,343 $291,255,000 $87,000 $205,000 $128,000 $5,509,000
Employment History 106 $9,580,000 $90,000 $205,000 $42,000 $400,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Discover Bank's 2020 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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