Discover Bank Mortgage Lending & HMDA Data, 2015
In 2015, Discover Bank of Greenwood, DE reported 3,790 mortgage applications totaling $180.6 million, up 11% from 2014. The average application was for $47,652, and applicants reported an average income of $84,106. 18% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (161), Los Angeles-Long Beach-Glendale, CA (146) and New York-Jersey City-White Plains, NY-NJ (140) (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 | 3,790 |
| Total Mortgage Loan Application Amount | $180,602,000 |
| Average Mortgage Loan Application Amount | $47,652 |
| Highest Mortgage Loan Application Amount | $150,000 |
| Average Applicant Income | $84,106 |
| Highest Applicant Income | $1,560,000 |
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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Arlington Heights, IL | 161 | $ 7,826,000 | $ 48,608 | $ 98,000 |
| Los Angeles-Long Beach-Glendale, CA | 146 | $ 8,537,000 | $ 58,472 | $ 106,000 |
| New York-Jersey City-White Plains, NY-NJ | 140 | $ 7,016,000 | $ 50,114 | $ 101,428 |
| Atlanta-Sandy Springs-Roswell, GA | 104 | $ 4,837,000 | $ 46,509 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 86 | $ 4,189,000 | $ 48,709 | $ 80,000 |
| Denver-Aurora-Lakewood, CO | 82 | $ 3,818,000 | $ 46,560 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 71 | $ 3,536,000 | $ 49,802 | $ 85,000 |
| Anaheim-Santa Ana-Irvine, CA | 67 | $ 4,061,000 | $ 60,611 | $ 120,000 |
| San Diego-Carlsbad, CA | 53 | $ 3,155,000 | $ 59,528 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 48 | $ 2,510,000 | $ 52,291 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 48 | $ 2,159,000 | $ 44,979 | $ 109,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 2,100,000 | $ 44,680 | $ 89,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 47 | $ 2,294,000 | $ 48,808 | $ 109,595 |
| Cambridge-Newton-Framingham, MA | 46 | $ 2,091,000 | $ 45,456 | $ 85,000 |
| Charlotte-Concord-Gastonia, NC-SC | 45 | $ 2,121,000 | $ 47,133 | $ 81,133 |
| Oakland-Hayward-Berkeley, CA | 45 | $ 2,500,000 | $ 55,555 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 44 | $ 2,280,000 | $ 51,818 | $ 77,113 |
| Sacramento--Roseville--Arden-Arcade, CA | 43 | $ 1,727,000 | $ 40,162 | $ 112,000 |
| Warren-Troy-Farmington Hills, MI | 40 | $ 1,682,000 | $ 42,050 | $ 89,000 |
| Indianapolis-Carmel-Anderson, IN | 39 | $ 1,600,000 | $ 41,025 | $ 89,000 |
| Kansas City, MO-KS | 39 | $ 1,849,000 | $ 47,410 | $ 82,333 |
| Orlando-Kissimmee-Sanford, FL | 39 | $ 1,753,000 | $ 44,948 | $ 80,000 |
| Philadelphia, PA | 37 | $ 1,586,000 | $ 42,864 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 36 | $ 1,885,000 | $ 52,361 | $ 95,000 |
| Newark, NJ-PA | 36 | $ 1,914,000 | $ 53,166 | $ 139,500 |
| Camden, NJ | 35 | $ 1,812,000 | $ 51,771 | $ 85,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 34 | $ 1,564,000 | $ 46,000 | $ 85,411 |
| St. Louis, MO-IL | 34 | $ 1,538,000 | $ 45,235 | $ 76,411 |
| Las Vegas-Henderson-Paradise, NV | 33 | $ 1,391,000 | $ 42,151 | $ 88,000 |
| Pittsburgh, PA | 31 | $ 1,302,000 | $ 42,000 | $ 82,000 |
| Columbus, OH | 29 | $ 1,248,000 | $ 43,034 | $ 82,000 |
| Cleveland-Elyria, OH | 28 | $ 1,398,000 | $ 49,928 | $ 69,000 |
| Nassau County-Suffolk County, NY | 28 | $ 1,684,000 | $ 60,142 | $ 126,000 |
| Boston, MA | 27 | $ 1,181,000 | $ 43,740 | $ 124,000 |
| Detroit-Dearborn-Livonia, MI | 27 | $ 1,152,000 | $ 42,666 | $ 52,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 27 | $ 1,122,000 | $ 41,555 | $ 61,000 |
| Salt Lake City, UT | 26 | $ 1,223,000 | $ 47,038 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 24 | $ 1,235,000 | $ 51,458 | $ 91,000 |
| New Orleans-Metairie, LA | 23 | $ 1,093,000 | $ 47,521 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 22 | $ 1,074,000 | $ 48,818 | $ 96,000 |
| Cincinnati, OH-KY-IN | 21 | $ 1,095,000 | $ 52,142 | $ 80,952 |
| Jacksonville, FL | 21 | $ 1,149,000 | $ 54,714 | $ 54,000 |
| Raleigh, NC | 20 | $ 985,000 | $ 49,250 | $ 86,000 |
| Seattle-Bellevue-Everett, WA | 20 | $ 1,142,000 | $ 57,100 | $ 97,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 19 | $ 944,000 | $ 49,684 | $ 84,736 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 1,265,000 | $ 66,578 | $ 103,000 |
| Colorado Springs, CO | 18 | $ 784,000 | $ 43,555 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 18 | $ 823,000 | $ 45,722 | $ 97,000 |
| Urban Honolulu, HI | 18 | $ 1,300,000 | $ 72,222 | $ 97,000 |
| Oklahoma City, OK | 17 | $ 770,000 | $ 45,294 | $ 74,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 851,000 | $ 53,187 | $ 110,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 697,000 | $ 43,562 | $ 68,000 |
| Fresno, CA | 16 | $ 808,000 | $ 50,500 | $ 102,000 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 637,000 | $ 39,812 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 912,000 | $ 57,000 | $ 79,000 |
| Port St. Lucie, FL | 16 | $ 913,000 | $ 57,062 | $ 67,000 |
| Tulsa, OK | 16 | $ 919,000 | $ 57,437 | $ 79,000 |
| Wilmington, DE-MD-NJ | 16 | $ 697,000 | $ 43,562 | $ 79,062 |
| Albuquerque, NM | 15 | $ 708,000 | $ 47,200 | $ 83,000 |
| Ann Arbor, MI | 15 | $ 795,000 | $ 53,000 | $ 100,000 |
| Providence-Warwick, RI-MA | 15 | $ 688,000 | $ 45,866 | $ 89,866 |
| Baton Rouge, LA | 14 | $ 817,000 | $ 58,357 | $ 57,000 |
| Tucson, AZ | 14 | $ 571,000 | $ 40,785 | $ 113,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 475,000 | $ 36,538 | $ 85,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 1,100,000 | $ 84,615 | $ 99,000 |
| Springfield, MA | 13 | $ 568,000 | $ 43,692 | $ 81,000 |
| Worcester, MA-CT | 13 | $ 528,000 | $ 40,615 | $ 67,153 |
| Youngstown-Warren-Boardman, OH-PA | 13 | $ 530,000 | $ 40,769 | $ 52,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 496,000 | $ 41,333 | $ 77,000 |
| Ogden-Clearfield, UT | 12 | $ 541,000 | $ 45,083 | $ 94,000 |
| Richmond, VA | 12 | $ 516,000 | $ 43,000 | $ 94,000 |
| Stockton-Lodi, CA | 12 | $ 539,000 | $ 44,916 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 12 | $ 590,000 | $ 49,166 | $ 67,833 |
| Cape Coral-Fort Myers, FL | 11 | $ 505,000 | $ 45,909 | $ 99,000 |
| Charleston-North Charleston, SC | 11 | $ 543,000 | $ 49,363 | $ 94,000 |
| Dayton, OH | 11 | $ 370,000 | $ 33,636 | $ 45,000 |
| Elgin, IL | 11 | $ 445,000 | $ 40,454 | $ 97,000 |
| Gary, IN | 11 | $ 530,000 | $ 48,181 | $ 72,000 |
| Memphis, TN-MS-AR | 11 | $ 389,000 | $ 35,363 | $ 54,818 |
| Portland-South Portland, ME | 11 | $ 442,000 | $ 40,181 | $ 56,000 |
| Vallejo-Fairfield, CA | 11 | $ 686,000 | $ 62,363 | $ 73,000 |
| Bakersfield, CA | 10 | $ 366,000 | $ 36,600 | $ 96,000 |
| Chattanooga, TN-GA | 10 | $ 387,000 | $ 38,700 | $ 107,500 |
| Fort Wayne, IN | 10 | $ 518,000 | $ 51,800 | $ 48,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 450,000 | $ 45,000 | $ 80,000 |
| Akron, OH | 9 | $ 318,000 | $ 35,333 | $ 51,000 |
| Birmingham-Hoover, AL | 9 | $ 396,000 | $ 44,000 | $ 45,000 |
| Greenville-Anderson-Mauldin, SC | 9 | $ 498,000 | $ 55,333 | $ 58,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 429,000 | $ 47,666 | $ 100,000 |
| Reno, NV | 9 | $ 472,000 | $ 52,444 | $ 93,000 |
| Boise City, ID | 8 | $ 342,000 | $ 42,750 | $ 85,000 |
| Canton-Massillon, OH | 8 | $ 354,000 | $ 44,250 | $ 53,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 307,000 | $ 38,375 | $ 68,875 |
| Lancaster, PA | 8 | $ 379,000 | $ 47,375 | $ 65,000 |
| Wichita, KS | 8 | $ 269,000 | $ 33,625 | $ 66,000 |
| Yuba City, CA | 8 | $ 344,000 | $ 43,000 | $ 68,000 |
| Atlantic City-Hammonton, NJ | 7 | $ 295,000 | $ 42,142 | $ 101,000 |
| Battle Creek, MI | 7 | $ 234,000 | $ 33,428 | $ 66,000 |
| Columbia, SC | 7 | $ 355,000 | $ 50,714 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 259,000 | $ 37,000 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 248,000 | $ 35,428 | $ 61,000 |
| Lakeland-Winter Haven, FL | 7 | $ 254,000 | $ 36,285 | $ 55,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 332,000 | $ 47,428 | $ 72,428 |
| Modesto, CA | 7 | $ 296,000 | $ 42,285 | $ 72,000 |
| New Haven-Milford, CT | 7 | $ 243,000 | $ 34,714 | $ 156,000 |
| Rockingham County-Strafford County, NH | 7 | $ 389,000 | $ 55,571 | $ 91,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 7 | $ 281,000 | $ 40,142 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 233,000 | $ 38,833 | $ 70,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 6 | $ 243,000 | $ 40,500 | $ 80,000 |
| Columbus, GA-AL | 6 | $ 320,000 | $ 53,333 | $ 37,833 |
| Harrisburg-Carlisle, PA | 6 | $ 295,000 | $ 49,166 | $ 62,000 |
| Manchester-Nashua, NH | 6 | $ 225,000 | $ 37,500 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 191,000 | $ 31,833 | $ 56,000 |
| Provo-Orem, UT | 6 | $ 283,000 | $ 47,166 | $ 65,000 |
| San Rafael, CA | 6 | $ 385,000 | $ 64,166 | $ 132,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 459,000 | $ 76,500 | $ 110,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 335,000 | $ 55,833 | $ 76,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 285,000 | $ 47,500 | $ 39,000 |
| Springfield, MO | 6 | $ 175,000 | $ 29,166 | $ 59,000 |
| Topeka, KS | 6 | $ 245,000 | $ 40,833 | $ 52,000 |
| Bloomington, IL | 5 | $ 288,000 | $ 57,600 | $ 74,000 |
| Duluth, MN-WI | 5 | $ 207,000 | $ 41,400 | $ 102,800 |
| Durham-Chapel Hill, NC | 5 | $ 263,000 | $ 52,600 | $ 56,000 |
| Fargo, ND-MN | 5 | $ 284,000 | $ 56,800 | $ 64,200 |
| Fayetteville, NC | 5 | $ 200,000 | $ 40,000 | $ 60,000 |
| Fort Collins, CO | 5 | $ 250,000 | $ 50,000 | $ 65,000 |
| Greensboro-High Point, NC | 5 | $ 185,000 | $ 37,000 | $ 62,000 |
| Jackson, MS | 5 | $ 224,000 | $ 44,800 | $ 74,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 203,000 | $ 40,600 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 305,000 | $ 61,000 | $ 67,000 |
| Reading, PA | 5 | $ 286,000 | $ 57,200 | $ 99,000 |
| Salem, OR | 5 | $ 270,000 | $ 54,000 | $ 136,000 |
| Salinas, CA | 5 | $ 234,000 | $ 46,800 | $ 91,000 |
| Shreveport-Bossier City, LA | 5 | $ 231,000 | $ 46,200 | $ 123,000 |
| Sioux Falls, SD | 5 | $ 254,000 | $ 50,800 | $ 126,000 |
| Toledo, OH | 5 | $ 205,000 | $ 41,000 | $ 47,000 |
| Winston-Salem, NC | 5 | $ 298,000 | $ 59,600 | $ 93,000 |
| York-Hanover, PA | 5 | $ 376,000 | $ 75,200 | $ 58,000 |
| Altoona, PA | 4 | $ 154,000 | $ 38,500 | $ 19,000 |
| Athens-Clarke County, GA | 4 | $ 178,000 | $ 44,500 | $ 33,000 |
| Barnstable Town, MA | 4 | $ 251,000 | $ 62,750 | $ 102,000 |
| Billings, MT | 4 | $ 245,000 | $ 61,250 | $ 70,000 |
| Bloomington, IN | 4 | $ 149,000 | $ 37,250 | $ 55,000 |
| Bowling Green, KY | 4 | $ 196,000 | $ 49,000 | $ 104,000 |
| Champaign-Urbana, IL | 4 | $ 214,000 | $ 53,500 | $ 70,000 |
| Columbia, MO | 4 | $ 158,000 | $ 39,500 | $ 93,000 |
| Greeley, CO | 4 | $ 176,000 | $ 44,000 | $ 111,000 |
| Huntsville, AL | 4 | $ 202,000 | $ 50,500 | $ 59,000 |
| Janesville-Beloit, WI | 4 | $ 199,000 | $ 49,750 | $ 53,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 178,000 | $ 44,500 | $ 59,250 |
| Knoxville, TN | 4 | $ 156,000 | $ 39,000 | $ 65,000 |
| Lansing-East Lansing, MI | 4 | $ 123,000 | $ 30,750 | $ 49,000 |
| Lincoln, NE | 4 | $ 190,000 | $ 47,500 | $ 55,000 |
| Lynchburg, VA | 4 | $ 166,000 | $ 41,500 | $ 81,000 |
| Madison, WI | 4 | $ 174,000 | $ 43,500 | $ 98,000 |
| Napa, CA | 4 | $ 278,000 | $ 69,500 | $ 120,000 |
| Panama City, FL | 4 | $ 184,000 | $ 46,000 | $ 40,000 |
| Peoria, IL | 4 | $ 116,000 | $ 29,000 | $ 65,000 |
| Racine, WI | 4 | $ 133,000 | $ 33,250 | $ 53,000 |
| Salisbury, MD-DE | 4 | $ 170,000 | $ 42,500 | $ 79,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 155,000 | $ 38,750 | $ 80,000 |
| Santa Rosa, CA | 4 | $ 326,000 | $ 81,500 | $ 115,000 |
| Tacoma-Lakewood, WA | 4 | $ 301,000 | $ 75,250 | $ 60,000 |
| The Villages, FL | 4 | $ 205,000 | $ 51,250 | $ 64,000 |
| Wilmington, NC | 4 | $ 120,000 | $ 30,000 | $ 86,000 |
| Anchorage, AK | 3 | $ 112,000 | $ 37,333 | $ 102,000 |
| Bismarck, ND | 3 | $ 223,000 | $ 74,333 | $ 95,000 |
| Casper, WY | 3 | $ 124,000 | $ 41,333 | $ 107,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 175,000 | $ 58,333 | $ 111,000 |
| Charleston, WV | 3 | $ 92,000 | $ 30,666 | $ 60,000 |
| Chico, CA | 3 | $ 102,000 | $ 34,000 | $ 74,000 |
| Coeur D'Alene, ID | 3 | $ 90,000 | $ 30,000 | $ 125,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 187,000 | $ 62,333 | $ 58,000 |
| Dover, DE | 3 | $ 141,000 | $ 47,000 | $ 65,000 |
| Dutchess County-Putnam County, NY | 3 | $ 127,000 | $ 42,333 | $ 48,000 |
| East Stroudsburg, PA | 3 | $ 100,000 | $ 33,333 | $ 71,000 |
| Elkhart-Goshen, IN | 3 | $ 132,000 | $ 44,000 | $ 90,000 |
| Eugene, OR | 3 | $ 121,000 | $ 40,333 | $ 55,000 |
| Florence, SC | 3 | $ 100,000 | $ 33,333 | $ 27,000 |
| Fort Smith, AR-OK | 3 | $ 75,000 | $ 25,000 | $ 23,666 |
| Gainesville, FL | 3 | $ 109,000 | $ 36,333 | $ 35,000 |
| Gainesville, GA | 3 | $ 105,000 | $ 35,000 | $ 36,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 106,000 | $ 35,333 | $ 62,000 |
| Hammond, LA | 3 | $ 182,000 | $ 60,666 | $ 115,000 |
| Houma-Thibodaux, LA | 3 | $ 93,000 | $ 31,000 | $ 52,000 |
| Jefferson City, MO | 3 | $ 172,000 | $ 57,333 | $ 63,000 |
| Jonesboro, AR | 3 | $ 128,000 | $ 42,666 | $ 78,000 |
| Kalamazoo-Portage, MI | 3 | $ 179,000 | $ 59,666 | $ 87,000 |
| Lake Charles, LA | 3 | $ 143,000 | $ 47,666 | $ 136,000 |
| Lexington-Fayette, KY | 3 | $ 162,000 | $ 54,000 | $ 72,000 |
| Michigan City-La Porte, IN | 3 | $ 168,000 | $ 56,000 | $ 73,000 |
| Mobile, AL | 3 | $ 189,000 | $ 63,000 | $ 61,000 |
| Monroe, LA | 3 | $ 127,000 | $ 42,333 | $ 43,000 |
| Monroe, MI | 3 | $ 135,000 | $ 45,000 | $ 59,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 146,000 | $ 48,666 | $ 33,333 |
| Niles-Benton Harbor, MI | 3 | $ 152,000 | $ 50,666 | $ 56,000 |
| Ocala, FL | 3 | $ 196,000 | $ 65,333 | $ 54,000 |
| Ocean City, NJ | 3 | $ 101,000 | $ 33,666 | $ 42,000 |
| Pittsfield, MA | 3 | $ 90,000 | $ 30,000 | $ 53,000 |
| Prescott, AZ | 3 | $ 150,000 | $ 50,000 | $ 52,000 |
| Punta Gorda, FL | 3 | $ 79,000 | $ 26,333 | $ 76,000 |
| Rockford, IL | 3 | $ 112,000 | $ 37,333 | $ 76,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 158,000 | $ 52,666 | $ 110,000 |
| Sebastian-Vero Beach, FL | 3 | $ 95,000 | $ 31,666 | $ 33,000 |
| Spokane-Spokane Valley, WA | 3 | $ 162,000 | $ 54,000 | $ 66,000 |
| St. Cloud, MN | 3 | $ 155,000 | $ 51,666 | $ 14,000 |
| Tallahassee, FL | 3 | $ 100,000 | $ 33,333 | $ 72,000 |
| Vineland-Bridgeton, NJ | 3 | $ 147,000 | $ 49,000 | $ 34,000 |
| Wausau, WI | 3 | $ 95,000 | $ 31,666 | $ 59,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 50,000 | $ 25,000 | $ 55,000 |
| Asheville, NC | 2 | $ 65,000 | $ 32,500 | $ 107,000 |
| Bend-Redmond, OR | 2 | $ 119,000 | $ 59,500 | $ 63,000 |
| Binghamton, NY | 2 | $ 94,000 | $ 47,000 | $ 66,000 |
| Bloomsburg-Berwick, PA | 2 | $ 89,000 | $ 44,500 | $ 60,000 |
| Cape Girardeau, MO-IL | 2 | $ 50,000 | $ 25,000 | $ 42,000 |
| Carson City, NV | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| Corvallis, OR | 2 | $ 200,000 | $ 100,000 | $ 44,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 97,000 | $ 48,500 | $ 74,000 |
| Flagstaff, AZ | 2 | $ 65,000 | $ 32,500 | $ 70,000 |
| Flint, MI | 2 | $ 99,000 | $ 49,500 | $ 91,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 65,000 | $ 32,500 | $ 38,000 |
| Homosassa Springs, FL | 2 | $ 89,000 | $ 44,500 | $ 31,000 |
| Hot Springs, AR | 2 | $ 57,000 | $ 28,500 | $ 64,000 |
| Johnson City, TN | 2 | $ 67,000 | $ 33,500 | $ 70,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 152,000 | $ 76,000 | $ 109,000 |
| Kennewick-Richland, WA | 2 | $ 65,000 | $ 32,500 | $ 64,000 |
| Kingston, NY | 2 | $ 94,000 | $ 47,000 | $ 128,000 |
| Kokomo, IN | 2 | $ 135,000 | $ 67,500 | $ 78,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 67,000 | $ 33,500 | $ 58,000 |
| Lawton, OK | 2 | $ 52,000 | $ 26,000 | $ 70,000 |
| Lebanon, PA | 2 | $ 94,000 | $ 47,000 | $ 73,000 |
| Lewiston-Auburn, ME | 2 | $ 50,000 | $ 25,000 | $ 40,000 |
| Macon, GA | 2 | $ 123,000 | $ 61,500 | $ 81,000 |
| Manhattan, KS | 2 | $ 110,000 | $ 55,000 | $ 42,000 |
| Midland, MI | 2 | $ 159,000 | $ 79,500 | $ 62,000 |
| Missoula, MT | 2 | $ 60,000 | $ 30,000 | $ 44,000 |
| Montgomery, AL | 2 | $ 50,000 | $ 25,000 | $ 133,000 |
| Morgantown, WV | 2 | $ 55,000 | $ 27,500 | $ 95,000 |
| Norwich-New London, CT | 2 | $ 83,000 | $ 41,500 | $ 151,000 |
| Olympia-Tumwater, WA | 2 | $ 90,000 | $ 45,000 | $ 54,000 |
| Oshkosh-Neenah, WI | 2 | $ 60,000 | $ 30,000 | $ 79,000 |
| Pocatello, ID | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Pueblo, CO | 2 | $ 69,000 | $ 34,500 | $ 42,000 |
| Roanoke, VA | 2 | $ 60,000 | $ 30,000 | $ 43,000 |
| Rochester, MN | 2 | $ 70,000 | $ 35,000 | $ 99,000 |
| Rochester, NY | 2 | $ 54,000 | $ 27,000 | $ 24,000 |
| Santa Fe, NM | 2 | $ 74,000 | $ 37,000 | $ 81,000 |
| Spartanburg, SC | 2 | $ 101,000 | $ 50,500 | $ 78,000 |
| Terre Haute, IN | 2 | $ 65,000 | $ 32,500 | $ 64,000 |
| Valdosta, GA | 2 | $ 85,000 | $ 42,500 | $ 42,000 |
| Warner Robins, GA | 2 | $ 56,000 | $ 28,000 | $ 77,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 70,000 | $ 35,000 | $ 68,500 |
| Wheeling, WV-OH | 2 | $ 75,000 | $ 37,500 | $ 41,000 |
| Yakima, WA | 2 | $ 125,000 | $ 62,500 | $ 49,000 |
| Albany, GA | 1 | $ 26,000 | $ 26,000 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 51,000 | $ 51,000 | $ 152,000 |
| Appleton, WI | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Auburn-Opelika, AL | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Bangor, ME | 1 | $ 28,000 | $ 28,000 | $ 86,000 |
| Bay City, MI | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Beckley, WV | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Bellingham, WA | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 32,000 | $ 32,000 | $ 213,000 |
| Boulder, CO | 1 | $ 40,000 | $ 40,000 | $ 82,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Brunswick, GA | 1 | $ 27,000 | $ 27,000 | $ 450,000 |
| Charlottesville, VA | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Cleveland, TN | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Columbus, IN | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Dalton, GA | 1 | $ 33,000 | $ 33,000 | $ 22,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Dothan, AL | 1 | $ 42,000 | $ 42,000 | $ 142,000 |
| El Centro, CA | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Evansville, IN-KY | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Florence-Muscle Shoals, AL | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Gettysburg, PA | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Glens Falls, NY | 1 | $ 73,000 | $ 73,000 | $ 96,000 |
| Grand Forks, ND-MN | 1 | $ 26,000 | $ 26,000 | $ 23,000 |
| Grand Island, NE | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Grand Junction, CO | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Grants Pass, OR | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Ithaca, NY | 1 | $ 77,000 | $ 77,000 | $ 100,000 |
| Jackson, MI | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Jacksonville, NC | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Johnstown, PA | 1 | $ 30,000 | $ 30,000 | $ 25,000 |
| Joplin, MO | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Lafayette, LA | 1 | $ 40,000 | $ 40,000 | $ 69,000 |
| Las Cruces, NM | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Lawrence, KS | 1 | $ 50,000 | $ 50,000 | $ 124,000 |
| Lima, OH | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Longview, WA | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Madera, CA | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Mansfield, OH | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Muncie, IN | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| New Bern, NC | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Owensboro, KY | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Parkersburg-Vienna, WV | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Rapid City, SD | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Rome, GA | 1 | $ 60,000 | $ 60,000 | $ 99,000 |
| Saginaw, MI | 1 | $ 42,000 | $ 42,000 | $ 15,000 |
| Savannah, GA | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Sioux City, IA-NE-SD | 1 | $ 78,000 | $ 78,000 | $ 133,000 |
| Springfield, IL | 1 | $ 56,000 | $ 56,000 | $ 94,000 |
| Springfield, OH | 1 | $ 50,000 | $ 50,000 | $ 43,000 |
| State College, PA | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Staunton-Waynesboro, VA | 1 | $ 37,000 | $ 37,000 | $ 169,000 |
| Sumter, SC | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Syracuse, NY | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Trenton, NJ | 1 | $ 27,000 | $ 27,000 | $ 153,000 |
| Tuscaloosa, AL | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Visalia-Porterville, CA | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Walla Walla, WA | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Wenatchee, WA | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Winchester, VA-WV | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Yuma, AZ | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Discover Bank in 2015
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 | 2,759 | $119,173,000 | $43,000 | $150,000 | $86,000 | $1,560,000 |
| Refinancing | 1,018 | $60,598,000 | $59,000 | $150,000 | $79,000 | $420,000 |
| Home Purchase | 13 | $831,000 | $63,000 | $150,000 | $82,000 | $162,000 |
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 | 2,438 | $114,203,000 | $46,000 | $150,000 | $86,000 | $1,560,000 |
| Hispanic | 336 | $15,840,000 | $47,000 | $150,000 | $86,000 | $504,000 |
| Not Provided | 318 | $15,825,000 | $49,000 | $150,000 | $89,000 | $700,000 |
| Asian | 310 | $16,828,000 | $54,000 | $150,000 | $88,000 | $420,000 |
| Black or African American | 293 | $13,099,000 | $44,000 | $133,000 | $68,000 | $260,000 |
| American Indian or Alaskan Native | 72 | $3,600,000 | $50,000 | $150,000 | $62,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $1,207,000 | $52,000 | $100,000 | $91,000 | $195,000 |
| 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) | 3,790 | $180,602,000 | $47,000 | $150,000 | $84,000 | $1,560,000 |
| 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 | 2,067 | $97,426,000 | $47,000 | $150,000 | $74,000 | $700,000 |
| Loan Originated | 682 | $33,007,000 | $48,000 | $130,000 | $98,000 | $420,000 |
| Application Withdrawn By Applicant | 508 | $24,193,000 | $47,000 | $150,000 | $101,000 | $1,560,000 |
| File Closed For Incompleteness | 503 | $24,535,000 | $48,000 | $150,000 | $90,000 | $500,000 |
| Application Approved But Not Accepted | 30 | $1,441,000 | $48,000 | $100,000 | $111,000 | $312,000 |
| 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 | 1,089 | $54,768,000 | $50,000 | $150,000 | $59,000 | $700,000 |
| Credit History | 477 | $21,041,000 | $44,000 | $150,000 | $85,000 | $480,000 |
| Collateral | 362 | $14,721,000 | $40,000 | $150,000 | $97,000 | $550,000 |
| Other | 97 | $5,101,000 | $52,000 | $140,000 | $93,000 | $362,000 |
| Credit Application Incomplete | 27 | $1,255,000 | $46,000 | $80,000 | $83,000 | $221,000 |
| Employment History | 8 | $278,000 | $34,000 | $53,000 | $41,000 | $70,000 |
| Unverifiable Information | 7 | $262,000 | $37,000 | $65,000 | $89,000 | $156,000 |
| 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 2015 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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