Discover Bank Mortgage Lending & HMDA Data, 2014
In 2014, Discover Bank of Greenwood, DE reported 3,429 mortgage applications totaling $159.3 million. The average application was for $46,453, and applicants reported an average income of $85,159. 23% of its applications resulted in an originated loan and 49% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (169), Los Angeles-Long Beach-Glendale, CA (144) and Chicago-Naperville-Arlington Heights, IL (113) (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 | 3,429 |
| Total Mortgage Loan Application Amount | $159,290,000 |
| Average Mortgage Loan Application Amount | $46,453 |
| Highest Mortgage Loan Application Amount | $100,000 |
| Average Applicant Income | $85,159 |
| Highest Applicant Income | $1,260,000 |
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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 169 | $ 8,818,000 | $ 52,177 | $ 102,153 |
| Los Angeles-Long Beach-Glendale, CA | 144 | $ 8,174,000 | $ 56,763 | $ 102,000 |
| Chicago-Naperville-Arlington Heights, IL | 113 | $ 5,607,000 | $ 49,619 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 78 | $ 4,344,000 | $ 55,692 | $ 114,064 |
| Anaheim-Santa Ana-Irvine, CA | 66 | $ 3,685,000 | $ 55,833 | $ 113,000 |
| Denver-Aurora-Lakewood, CO | 65 | $ 3,407,000 | $ 52,415 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 59 | $ 2,719,000 | $ 46,084 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 59 | $ 3,052,000 | $ 51,728 | $ 89,000 |
| Newark, NJ-PA | 56 | $ 2,719,000 | $ 48,553 | $ 108,892 |
| Nassau County-Suffolk County, NY | 51 | $ 2,713,000 | $ 53,196 | $ 114,000 |
| Atlanta-Sandy Springs-Roswell, GA | 50 | $ 2,447,000 | $ 48,940 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 46 | $ 2,095,000 | $ 45,543 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 44 | $ 1,919,000 | $ 43,613 | $ 93,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 42 | $ 1,930,000 | $ 45,952 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 38 | $ 1,952,000 | $ 51,368 | $ 102,000 |
| St. Louis, MO-IL | 38 | $ 1,521,000 | $ 40,026 | $ 91,105 |
| Montgomery County-Bucks County-Chester County, PA | 37 | $ 1,692,000 | $ 45,729 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 1,597,000 | $ 43,162 | $ 81,000 |
| Philadelphia, PA | 35 | $ 1,488,000 | $ 42,514 | $ 58,000 |
| San Diego-Carlsbad, CA | 35 | $ 1,818,000 | $ 51,942 | $ 100,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 34 | $ 1,673,000 | $ 49,205 | $ 113,000 |
| Pittsburgh, PA | 32 | $ 1,643,000 | $ 51,343 | $ 86,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 1,348,000 | $ 42,125 | $ 70,000 |
| Boston, MA | 31 | $ 1,644,000 | $ 53,032 | $ 91,000 |
| Detroit-Dearborn-Livonia, MI | 31 | $ 1,309,000 | $ 42,225 | $ 70,000 |
| Kansas City, MO-KS | 31 | $ 1,437,000 | $ 46,354 | $ 83,612 |
| Oakland-Hayward-Berkeley, CA | 29 | $ 1,822,000 | $ 62,827 | $ 127,000 |
| Charlotte-Concord-Gastonia, NC-SC | 28 | $ 1,051,000 | $ 37,535 | $ 77,571 |
| Las Vegas-Henderson-Paradise, NV | 28 | $ 1,416,000 | $ 50,571 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 28 | $ 1,686,000 | $ 60,214 | $ 165,000 |
| Camden, NJ | 24 | $ 987,000 | $ 41,125 | $ 91,000 |
| Cincinnati, OH-KY-IN | 24 | $ 922,000 | $ 38,416 | $ 102,125 |
| New Orleans-Metairie, LA | 24 | $ 1,193,000 | $ 49,708 | $ 54,000 |
| Indianapolis-Carmel-Anderson, IN | 23 | $ 962,000 | $ 41,826 | $ 100,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 1,068,000 | $ 46,434 | $ 90,521 |
| Oklahoma City, OK | 23 | $ 1,289,000 | $ 56,043 | $ 73,000 |
| Columbus, OH | 22 | $ 785,000 | $ 35,681 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 877,000 | $ 41,761 | $ 88,000 |
| Cleveland-Elyria, OH | 20 | $ 762,000 | $ 38,100 | $ 53,000 |
| Jacksonville, FL | 20 | $ 868,000 | $ 43,400 | $ 58,000 |
| New Haven-Milford, CT | 19 | $ 999,000 | $ 52,578 | $ 119,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 823,000 | $ 43,315 | $ 78,263 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 18 | $ 788,000 | $ 43,777 | $ 57,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 848,000 | $ 49,882 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 17 | $ 734,000 | $ 43,176 | $ 123,058 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 830,000 | $ 48,823 | $ 53,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 853,000 | $ 50,176 | $ 72,000 |
| Gary, IN | 16 | $ 657,000 | $ 41,062 | $ 80,000 |
| San Francisco-Redwood City-South San Francisco, CA | 16 | $ 957,000 | $ 59,812 | $ 116,000 |
| Tulsa, OK | 16 | $ 728,000 | $ 45,500 | $ 75,000 |
| Grand Rapids-Wyoming, MI | 15 | $ 659,000 | $ 43,933 | $ 77,000 |
| Salt Lake City, UT | 15 | $ 590,000 | $ 39,333 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 608,000 | $ 43,428 | $ 89,000 |
| Providence-Warwick, RI-MA | 14 | $ 541,000 | $ 38,642 | $ 69,571 |
| Raleigh, NC | 14 | $ 560,000 | $ 40,000 | $ 77,000 |
| Wilmington, DE-MD-NJ | 14 | $ 592,000 | $ 42,285 | $ 101,571 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 564,000 | $ 43,384 | $ 107,076 |
| Knoxville, TN | 13 | $ 580,000 | $ 44,615 | $ 87,000 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 552,000 | $ 42,461 | $ 49,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 665,000 | $ 51,153 | $ 120,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 13 | $ 525,000 | $ 40,384 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 620,000 | $ 51,666 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 498,000 | $ 41,500 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 12 | $ 483,000 | $ 40,250 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 402,000 | $ 33,500 | $ 55,000 |
| Richmond, VA | 12 | $ 655,000 | $ 54,583 | $ 102,000 |
| Salisbury, MD-DE | 12 | $ 606,000 | $ 50,500 | $ 60,000 |
| Anchorage, AK | 11 | $ 647,000 | $ 58,818 | $ 109,000 |
| Atlantic City-Hammonton, NJ | 11 | $ 479,000 | $ 43,545 | $ 52,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 519,000 | $ 47,181 | $ 126,000 |
| Ann Arbor, MI | 10 | $ 449,000 | $ 44,900 | $ 86,000 |
| Chattanooga, TN-GA | 10 | $ 514,000 | $ 51,400 | $ 107,000 |
| Colorado Springs, CO | 10 | $ 562,000 | $ 56,200 | $ 92,000 |
| Springfield, MA | 10 | $ 360,000 | $ 36,000 | $ 154,000 |
| Stockton-Lodi, CA | 10 | $ 589,000 | $ 58,900 | $ 93,000 |
| Urban Honolulu, HI | 10 | $ 532,000 | $ 53,200 | $ 100,000 |
| Duluth, MN-WI | 9 | $ 288,000 | $ 32,000 | $ 87,666 |
| Elgin, IL | 9 | $ 320,000 | $ 35,555 | $ 87,000 |
| Fort Collins, CO | 9 | $ 353,000 | $ 39,222 | $ 84,000 |
| Memphis, TN-MS-AR | 9 | $ 317,000 | $ 35,222 | $ 88,555 |
| Port St. Lucie, FL | 9 | $ 406,000 | $ 45,111 | $ 76,000 |
| Rochester, NY | 9 | $ 432,000 | $ 48,000 | $ 46,000 |
| Birmingham-Hoover, AL | 8 | $ 329,000 | $ 41,125 | $ 68,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 295,000 | $ 36,875 | $ 90,000 |
| Jackson, MS | 8 | $ 395,000 | $ 49,375 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 424,000 | $ 53,000 | $ 69,000 |
| Peoria, IL | 8 | $ 336,000 | $ 42,000 | $ 83,000 |
| Portland-South Portland, ME | 8 | $ 281,000 | $ 35,125 | $ 100,000 |
| Prescott, AZ | 8 | $ 260,000 | $ 32,500 | $ 87,000 |
| Reno, NV | 8 | $ 316,000 | $ 39,500 | $ 64,000 |
| Tucson, AZ | 8 | $ 406,000 | $ 50,750 | $ 73,000 |
| Wichita, KS | 8 | $ 261,000 | $ 32,625 | $ 88,000 |
| Albuquerque, NM | 7 | $ 231,000 | $ 33,000 | $ 69,000 |
| Baton Rouge, LA | 7 | $ 298,000 | $ 42,571 | $ 55,000 |
| Durham-Chapel Hill, NC | 7 | $ 345,000 | $ 49,285 | $ 118,000 |
| Fargo, ND-MN | 7 | $ 388,000 | $ 55,428 | $ 94,285 |
| Louisville/Jefferson County, KY-IN | 7 | $ 213,000 | $ 30,428 | $ 43,428 |
| Salem, OR | 7 | $ 255,000 | $ 36,428 | $ 86,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 444,000 | $ 63,428 | $ 104,000 |
| Akron, OH | 6 | $ 222,000 | $ 37,000 | $ 54,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 219,000 | $ 36,500 | $ 96,000 |
| Asheville, NC | 6 | $ 337,000 | $ 56,166 | $ 72,000 |
| Barnstable Town, MA | 6 | $ 345,000 | $ 57,500 | $ 82,000 |
| Dayton, OH | 6 | $ 155,000 | $ 25,833 | $ 66,000 |
| Norwich-New London, CT | 6 | $ 130,000 | $ 21,666 | $ 75,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 323,000 | $ 53,833 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 171,000 | $ 28,500 | $ 74,000 |
| Reading, PA | 6 | $ 297,000 | $ 49,500 | $ 74,000 |
| Santa Rosa, CA | 6 | $ 274,000 | $ 45,666 | $ 95,000 |
| Shreveport-Bossier City, LA | 6 | $ 272,000 | $ 45,333 | $ 127,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 191,000 | $ 31,833 | $ 96,000 |
| Syracuse, NY | 6 | $ 280,000 | $ 46,666 | $ 79,000 |
| Tallahassee, FL | 6 | $ 284,000 | $ 47,333 | $ 84,000 |
| Trenton, NJ | 6 | $ 323,000 | $ 53,833 | $ 55,000 |
| Vallejo-Fairfield, CA | 6 | $ 277,000 | $ 46,166 | $ 95,000 |
| York-Hanover, PA | 6 | $ 252,000 | $ 42,000 | $ 51,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 247,000 | $ 49,400 | $ 53,200 |
| Charleston-North Charleston, SC | 5 | $ 170,000 | $ 34,000 | $ 61,000 |
| Dutchess County-Putnam County, NY | 5 | $ 311,000 | $ 62,200 | $ 88,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 241,000 | $ 48,200 | $ 70,000 |
| Fort Wayne, IN | 5 | $ 177,000 | $ 35,400 | $ 104,000 |
| Greeley, CO | 5 | $ 237,000 | $ 47,400 | $ 97,000 |
| Kalamazoo-Portage, MI | 5 | $ 205,000 | $ 41,000 | $ 66,000 |
| Kennewick-Richland, WA | 5 | $ 262,000 | $ 52,400 | $ 65,000 |
| Lakeland-Winter Haven, FL | 5 | $ 167,000 | $ 33,400 | $ 73,000 |
| Medford, OR | 5 | $ 139,000 | $ 27,800 | $ 40,000 |
| Ocala, FL | 5 | $ 210,000 | $ 42,000 | $ 44,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 159,000 | $ 31,800 | $ 81,000 |
| Spokane-Spokane Valley, WA | 5 | $ 215,000 | $ 43,000 | $ 50,000 |
| St. Cloud, MN | 5 | $ 188,000 | $ 37,600 | $ 52,000 |
| St. George, UT | 5 | $ 250,000 | $ 50,000 | $ 63,000 |
| Tuscaloosa, AL | 5 | $ 237,000 | $ 47,400 | $ 62,000 |
| Visalia-Porterville, CA | 5 | $ 218,000 | $ 43,600 | $ 49,000 |
| Winchester, VA-WV | 5 | $ 187,000 | $ 37,400 | $ 80,000 |
| Worcester, MA-CT | 5 | $ 275,000 | $ 55,000 | $ 40,800 |
| Alexandria, LA | 4 | $ 221,000 | $ 55,250 | $ 62,000 |
| Bakersfield, CA | 4 | $ 148,000 | $ 37,000 | $ 55,000 |
| Boise City, ID | 4 | $ 158,000 | $ 39,500 | $ 63,000 |
| Boulder, CO | 4 | $ 265,000 | $ 66,250 | $ 71,000 |
| Columbia, SC | 4 | $ 138,000 | $ 34,500 | $ 55,000 |
| Columbus, GA-AL | 4 | $ 104,000 | $ 26,000 | $ 52,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 92,000 | $ 23,000 | $ 66,000 |
| Eugene, OR | 4 | $ 160,000 | $ 40,000 | $ 98,000 |
| Flint, MI | 4 | $ 127,000 | $ 31,750 | $ 59,000 |
| Gainesville, FL | 4 | $ 161,000 | $ 40,250 | $ 91,000 |
| Greensboro-High Point, NC | 4 | $ 220,000 | $ 55,000 | $ 67,000 |
| Harrisburg-Carlisle, PA | 4 | $ 143,000 | $ 35,750 | $ 46,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 175,000 | $ 43,750 | $ 63,000 |
| Jacksonville, NC | 4 | $ 212,000 | $ 53,000 | $ 25,000 |
| Johnson City, TN | 4 | $ 111,000 | $ 27,750 | $ 49,000 |
| Lynchburg, VA | 4 | $ 273,000 | $ 68,250 | $ 56,000 |
| Monroe, MI | 4 | $ 198,000 | $ 49,500 | $ 118,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 177,000 | $ 44,250 | $ 50,000 |
| Ogden-Clearfield, UT | 4 | $ 123,000 | $ 30,750 | $ 71,000 |
| Provo-Orem, UT | 4 | $ 173,000 | $ 43,250 | $ 95,000 |
| Racine, WI | 4 | $ 173,000 | $ 43,250 | $ 105,000 |
| Roanoke, VA | 4 | $ 159,000 | $ 39,750 | $ 64,000 |
| Rockingham County-Strafford County, NH | 4 | $ 180,000 | $ 45,000 | $ 128,000 |
| Santa Fe, NM | 4 | $ 202,000 | $ 50,500 | $ 63,000 |
| Sioux Falls, SD | 4 | $ 149,000 | $ 37,250 | $ 90,000 |
| Athens-Clarke County, GA | 3 | $ 155,000 | $ 51,666 | $ 51,000 |
| Bellingham, WA | 3 | $ 125,000 | $ 41,666 | $ 56,000 |
| Canton-Massillon, OH | 3 | $ 80,000 | $ 26,666 | $ 64,000 |
| Coeur D'Alene, ID | 3 | $ 75,000 | $ 25,000 | $ 49,000 |
| Columbia, MO | 3 | $ 105,000 | $ 35,000 | $ 83,000 |
| East Stroudsburg, PA | 3 | $ 130,000 | $ 43,333 | $ 168,000 |
| Eau Claire, WI | 3 | $ 86,000 | $ 28,666 | $ 45,000 |
| Elmira, NY | 3 | $ 93,000 | $ 31,000 | $ 109,000 |
| Florence-Muscle Shoals, AL | 3 | $ 115,000 | $ 38,333 | $ 61,000 |
| Fresno, CA | 3 | $ 117,000 | $ 39,000 | $ 68,000 |
| Homosassa Springs, FL | 3 | $ 180,000 | $ 60,000 | $ 92,000 |
| Houma-Thibodaux, LA | 3 | $ 169,000 | $ 56,333 | $ 66,000 |
| Jackson, MI | 3 | $ 80,000 | $ 26,666 | $ 72,000 |
| Janesville-Beloit, WI | 3 | $ 177,000 | $ 59,000 | $ 45,000 |
| Kingston, NY | 3 | $ 142,000 | $ 47,333 | $ 88,000 |
| Lafayette, LA | 3 | $ 138,000 | $ 46,000 | $ 38,000 |
| Lafayette-West Lafayette, IN | 3 | $ 89,000 | $ 29,666 | $ 60,000 |
| Lake Charles, LA | 3 | $ 108,000 | $ 36,000 | $ 46,000 |
| Lexington-Fayette, KY | 3 | $ 78,000 | $ 26,000 | $ 102,000 |
| Manchester-Nashua, NH | 3 | $ 108,000 | $ 36,000 | $ 69,000 |
| Michigan City-La Porte, IN | 3 | $ 140,000 | $ 46,666 | $ 68,000 |
| Mobile, AL | 3 | $ 60,000 | $ 20,000 | $ 36,000 |
| Montgomery, AL | 3 | $ 119,000 | $ 39,666 | $ 61,000 |
| Niles-Benton Harbor, MI | 3 | $ 159,000 | $ 53,000 | $ 62,000 |
| Ocean City, NJ | 3 | $ 105,000 | $ 35,000 | $ 52,000 |
| Punta Gorda, FL | 3 | $ 128,000 | $ 42,666 | $ 70,000 |
| Salinas, CA | 3 | $ 205,000 | $ 68,333 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 166,000 | $ 55,333 | $ 170,000 |
| Savannah, GA | 3 | $ 65,000 | $ 21,666 | $ 77,000 |
| Spartanburg, SC | 3 | $ 143,000 | $ 47,666 | $ 62,000 |
| Terre Haute, IN | 3 | $ 74,000 | $ 24,666 | $ 28,000 |
| The Villages, FL | 3 | $ 118,000 | $ 39,333 | $ 28,000 |
| Toledo, OH | 3 | $ 84,000 | $ 28,000 | $ 86,000 |
| Topeka, KS | 3 | $ 192,000 | $ 64,000 | $ 91,000 |
| Utica-Rome, NY | 3 | $ 168,000 | $ 56,000 | $ 38,000 |
| Vineland-Bridgeton, NJ | 3 | $ 205,000 | $ 68,333 | $ 60,000 |
| Winston-Salem, NC | 3 | $ 81,000 | $ 27,000 | $ 133,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 120,000 | $ 40,000 | $ 39,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 98,000 | $ 49,000 | $ 42,000 |
| Auburn-Opelika, AL | 2 | $ 65,000 | $ 32,500 | $ 95,000 |
| Beckley, WV | 2 | $ 60,000 | $ 30,000 | $ 26,000 |
| Billings, MT | 2 | $ 140,000 | $ 70,000 | $ 74,000 |
| Bloomington, IL | 2 | $ 90,000 | $ 45,000 | $ 78,000 |
| Bloomington, IN | 2 | $ 60,000 | $ 30,000 | $ 82,000 |
| Carbondale-Marion, IL | 2 | $ 112,000 | $ 56,000 | $ 53,000 |
| Champaign-Urbana, IL | 2 | $ 44,000 | $ 22,000 | $ 60,000 |
| Charleston, WV | 2 | $ 77,000 | $ 38,500 | $ 51,000 |
| Charlottesville, VA | 2 | $ 65,000 | $ 32,500 | $ 60,000 |
| Cheyenne, WY | 2 | $ 79,000 | $ 39,500 | $ 63,000 |
| Cleveland, TN | 2 | $ 135,000 | $ 67,500 | $ 62,000 |
| Dalton, GA | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Dothan, AL | 2 | $ 140,000 | $ 70,000 | $ 103,000 |
| Dover, DE | 2 | $ 106,000 | $ 53,000 | $ 82,000 |
| El Centro, CA | 2 | $ 130,000 | $ 65,000 | $ 107,000 |
| Elkhart-Goshen, IN | 2 | $ 41,000 | $ 20,500 | $ 63,000 |
| Fayetteville, NC | 2 | $ 50,000 | $ 25,000 | $ 34,000 |
| Gadsden, AL | 2 | $ 51,000 | $ 25,500 | $ 108,000 |
| Gainesville, GA | 2 | $ 120,000 | $ 60,000 | $ 21,000 |
| Grand Forks, ND-MN | 2 | $ 71,000 | $ 35,500 | $ 71,000 |
| Grand Island, NE | 2 | $ 50,000 | $ 25,000 | $ 93,000 |
| Grand Junction, CO | 2 | $ 100,000 | $ 50,000 | $ 86,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 50,000 | $ 25,000 | $ 54,000 |
| Hammond, LA | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 67,000 | $ 33,500 | $ 29,000 |
| Hot Springs, AR | 2 | $ 95,000 | $ 47,500 | $ 32,000 |
| Huntsville, AL | 2 | $ 126,000 | $ 63,000 | $ 49,000 |
| Idaho Falls, ID | 2 | $ 60,000 | $ 30,000 | $ 124,000 |
| Johnstown, PA | 2 | $ 53,000 | $ 26,500 | $ 44,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 70,000 | $ 35,000 | $ 105,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 119,000 | $ 59,500 | $ 45,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 66,000 | $ 33,000 | $ 95,000 |
| Lancaster, PA | 2 | $ 94,000 | $ 47,000 | $ 69,000 |
| Las Cruces, NM | 2 | $ 85,000 | $ 42,500 | $ 33,000 |
| Lewiston-Auburn, ME | 2 | $ 45,000 | $ 22,500 | $ 31,000 |
| Logan, UT-ID | 2 | $ 120,000 | $ 60,000 | $ 67,500 |
| Madera, CA | 2 | $ 91,000 | $ 45,500 | $ 51,000 |
| Modesto, CA | 2 | $ 45,000 | $ 22,500 | $ 46,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 72,000 | $ 36,000 | $ 95,000 |
| Olympia-Tumwater, WA | 2 | $ 48,000 | $ 24,000 | $ 52,000 |
| Owensboro, KY | 2 | $ 103,000 | $ 51,500 | $ 107,000 |
| Pittsfield, MA | 2 | $ 65,000 | $ 32,500 | $ 100,000 |
| Redding, CA | 2 | $ 47,000 | $ 23,500 | $ 53,000 |
| Rockford, IL | 2 | $ 48,000 | $ 24,000 | $ 25,000 |
| Saginaw, MI | 2 | $ 66,000 | $ 33,000 | $ 31,000 |
| San Rafael, CA | 2 | $ 90,000 | $ 45,000 | $ 104,000 |
| Sebastian-Vero Beach, FL | 2 | $ 71,000 | $ 35,500 | $ 56,000 |
| Sheboygan, WI | 2 | $ 53,000 | $ 26,500 | $ 74,000 |
| Springfield, IL | 2 | $ 77,000 | $ 38,500 | $ 84,000 |
| St. Joseph, MO-KS | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| State College, PA | 2 | $ 79,000 | $ 39,500 | $ 31,000 |
| Tacoma-Lakewood, WA | 2 | $ 90,000 | $ 45,000 | $ 80,000 |
| Texarkana, TX-AR | 2 | $ 48,000 | $ 24,000 | $ 26,000 |
| Wausau, WI | 2 | $ 62,000 | $ 31,000 | $ 87,000 |
| Wilmington, NC | 2 | $ 112,000 | $ 56,000 | $ 47,000 |
| Albany, GA | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Altoona, PA | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Appleton, WI | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Battle Creek, MI | 1 | $ 43,000 | $ 43,000 | $ 28,000 |
| Binghamton, NY | 1 | $ 44,000 | $ 44,000 | $ 22,000 |
| Bismarck, ND | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Bowling Green, KY | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Bremerton-Silverdale, WA | 1 | $ 67,000 | $ 67,000 | $ 68,000 |
| Burlington, NC | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Carson City, NV | 1 | $ 80,000 | $ 80,000 | $ 96,000 |
| Chico, CA | 1 | $ 59,000 | $ 59,000 | $ 46,000 |
| Clarksville, TN-KY | 1 | $ 37,000 | $ 37,000 | $ 139,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 66,000 | $ 66,000 | $ 67,000 |
| Erie, PA | 1 | $ 43,000 | $ 43,000 | $ 61,000 |
| Evansville, IN-KY | 1 | $ 42,000 | $ 42,000 | $ 77,000 |
| Florence, SC | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Fort Smith, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 158,000 |
| Gettysburg, PA | 1 | $ 60,000 | $ 60,000 | $ 159,000 |
| Glens Falls, NY | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Great Falls, MT | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Green Bay, WI | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Greenville, NC | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 39,000 | $ 39,000 | $ 57,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Ithaca, NY | 1 | $ 30,000 | $ 30,000 | $ 254,000 |
| Jackson, TN | 1 | $ 71,000 | $ 71,000 | $ 40,000 |
| Jefferson City, MO | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Jonesboro, AR | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Joplin, MO | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Kankakee, IL | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Lawrence, KS | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Lawton, OK | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Lebanon, PA | 1 | $ 70,000 | $ 70,000 | $ 240,000 |
| Lewiston, ID-WA | 1 | $ 68,000 | $ 68,000 | $ 85,000 |
| Lima, OH | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Longview, WA | 1 | $ 20,000 | $ 20,000 | $ 9,000 |
| Macon, GA | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Madison, WI | 1 | $ 90,000 | $ 90,000 | $ 61,000 |
| Mankato-North Mankato, MN | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Monroe, LA | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Morgantown, WV | 1 | $ 87,000 | $ 87,000 | $ 38,000 |
| Muncie, IN | 1 | $ 33,000 | $ 33,000 | $ 29,000 |
| Muskegon, MI | 1 | $ 47,000 | $ 47,000 | $ 100,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 90,000 | $ 90,000 | $ 118,000 |
| Napa, CA | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| New Bern, NC | 1 | $ 74,000 | $ 74,000 | $ 99,000 |
| Oshkosh-Neenah, WI | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Panama City, FL | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Parkersburg-Vienna, WV | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Pueblo, CO | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Rapid City, SD | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| Rochester, MN | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Rome, GA | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Sioux City, IA-NE-SD | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Springfield, OH | 1 | $ 32,000 | $ 32,000 | $ 60,000 |
| Staunton-Waynesboro, VA | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Warner Robins, GA | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Watertown-Fort Drum, NY | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Wenatchee, WA | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Yuba City, CA | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 2,468 | $102,667,000 | $41,000 | $100,000 | $86,000 | $1,260,000 |
| Refinancing | 961 | $56,623,000 | $58,000 | $100,000 | $83,000 | $550,000 |
| Home Purchase | 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 | 1,828 | $83,282,000 | $45,000 | $100,000 | $86,000 | $825,000 |
| Not Provided | 855 | $39,904,000 | $46,000 | $100,000 | $85,000 | $1,260,000 |
| Hispanic | 243 | $11,198,000 | $46,000 | $100,000 | $77,000 | $409,000 |
| Asian | 223 | $12,037,000 | $53,000 | $100,000 | $103,000 | $415,000 |
| Black or African American | 212 | $9,394,000 | $44,000 | $100,000 | $68,000 | $211,000 |
| American Indian or Alaskan Native | 53 | $2,447,000 | $46,000 | $100,000 | $72,000 | $343,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $1,028,000 | $68,000 | $100,000 | $136,000 | $288,000 |
| 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) | 3,429 | $159,290,000 | $46,000 | $100,000 | $85,000 | $1,260,000 |
| 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 | 1,692 | $77,350,000 | $45,000 | $100,000 | $76,000 | $825,000 |
| Loan Originated | 790 | $38,133,000 | $48,000 | $100,000 | $96,000 | $409,000 |
| Application Withdrawn By Applicant | 471 | $21,800,000 | $46,000 | $100,000 | $97,000 | $1,260,000 |
| File Closed For Incompleteness | 444 | $20,486,000 | $46,000 | $100,000 | $89,000 | $513,000 |
| Application Approved But Not Accepted | 32 | $1,521,000 | $47,000 | $100,000 | $88,000 | $206,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 838 | $40,710,000 | $48,000 | $100,000 | $60,000 | $300,000 |
| Collateral | 358 | $15,119,000 | $42,000 | $100,000 | $92,000 | $500,000 |
| Credit History | 289 | $11,650,000 | $40,000 | $100,000 | $87,000 | $792,000 |
| Credit Application Incomplete | 140 | $6,246,000 | $44,000 | $100,000 | $93,000 | $825,000 |
| Other | 45 | $2,419,000 | $53,000 | $100,000 | $138,000 | $781,000 |
| Unverifiable Information | 13 | $782,000 | $60,000 | $100,000 | $69,000 | $251,000 |
| Employment History | 8 | $331,000 | $41,000 | $100,000 | $40,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $93,000 | $93,000 | $93,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Discover Bank's 2014 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.
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