Lenders › Discover Bank › California
Discover Bank in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Discover Bank's 2024 HMDA record for California covers 19,148 applications, 3,059 of them originated, worth $325m.
Its denial rate in the state was 76.2%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its California originations was 2.0 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 76.2% | 24.8% | 76.0% | 24.3% |
| Median rate spread, pp | 2.0 | 0.4 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 72.9% | 19.9% | 75.6% | 15.6% |
| Average originated loan | $106k | $566k | $90k | $329k |
| Home purchase share | 2.9% | 51.2% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 3% (90)Home improvement 32% (985)Refinancing 20% (627)Other purpose 44% (1,357)
By type
Conventional 100% (3,059)
Denial reasons as coded
Share of 10,024 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4,006 | 542 | $63m | 79.4% |
| Riverside County | 2,134 | 370 | $35m | 75.0% |
| San Diego County | 1,648 | 264 | $35m | 75.9% |
| San Bernardino County | 1,488 | 257 | $25m | 74.8% |
| Sacramento County | 1,045 | 211 | $19m | 72.6% |
| Orange County | 1,324 | 187 | $26m | 76.8% |
| Contra Costa County | 683 | 112 | $12m | 75.8% |
| San Joaquin County | 579 | 102 | $9.7m | 74.4% |
| Ventura County | 494 | 96 | $11m | 72.1% |
| Fresno County | 511 | 92 | $8.3m | 71.8% |
| Kern County | 515 | 89 | $7.4m | 75.4% |
| Placer County | 377 | 87 | $8.5m | 67.3% |
| Stanislaus County | 400 | 78 | $6.8m | 73.0% |
| Santa Clara County | 470 | 50 | $7.0m | 80.7% |
| Solano County | 331 | 49 | $4.6m | 81.0% |
| Alameda County | 552 | 47 | $5.5m | 85.7% |
| Tulare County | 218 | 37 | $2.9m | 77.1% |
| Santa Barbara County | 168 | 30 | $3.4m | 72.7% |
| El Dorado County | 157 | 28 | $3.1m | 73.1% |
| Sonoma County | 159 | 25 | $2.3m | 75.2% |
| Merced County | 130 | 25 | $2.0m | 71.4% |
| San Luis Obispo County | 111 | 25 | $2.8m | 68.8% |
| Shasta County | 109 | 25 | $1.8m | 66.7% |
| Imperial County | 90 | 22 | $1.9m | 65.6% |
| Monterey County | 145 | 19 | $1.4m | 80.0% |
| Butte County | 83 | 19 | $1.7m | 70.3% |
| San Mateo County | 140 | 16 | $2.1m | 83.0% |
| Yolo County | 79 | 16 | $1.5m | 65.4% |
| Kings County | 61 | 14 | $1.4m | 69.6% |
| Santa Cruz County | 73 | 12 | $1.6m | 72.9% |
| Yuba County | 43 | 12 | $860k | 63.6% |
| Nevada County | 71 | 10 | $970k | 80.0% |
| Marin County | 63 | 9 | $1.1m | 74.3% |
| Madera County | 85 | 8 | $850k | 86.7% |
| Humboldt County | 49 | 8 | $640k | 79.5% |
| Sutter County | 43 | 8 | $570k | 74.2% |
| Tuolumne County | 37 | 8 | $470k | — |
| San Francisco County | 130 | 7 | $1.0m | 91.8% |
| San Benito County | 46 | 6 | $590k | 81.8% |
| Amador County | 29 | 6 | $560k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in California in 2024?
3,059 loans totalling $325m, from 19,148 applications reported for properties in California.
What is Discover Bank's denial rate in California?
76.2% of decided applications in California were denied, against 24.8% for all lenders in the state and 76.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Discover Bank lend in most?
By originations: Los Angeles County (542), Riverside County (370), San Diego County (264), San Bernardino County (257), Sacramento County (211).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.