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Discover Bank in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia covers 9,702 applications, 1,779 of them originated, worth $161m.
Its denial rate in the state was 72.8%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its Georgia originations was 2.2 percentage points (state median 0.4).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 72.8% | 26.9% | 76.0% | 24.3% |
| Median rate spread, pp | 2.2 | 0.4 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 74.1% | 17.5% | 75.6% | 15.6% |
| Average originated loan | $91k | $313k | $90k | $329k |
| Home purchase share | 3.1% | 57.0% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 18.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 3% (56)Home improvement 32% (563)Refinancing 20% (351)Other purpose 45% (809)
By type
Conventional 100% (1,779)
Denial reasons as coded
Share of 4,922 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 1,168 | 188 | $18m | 75.1% |
| Cobb County | 845 | 184 | $17m | 68.0% |
| Fulton County | 945 | 162 | $16m | 74.9% |
| Forsyth County | 539 | 136 | $15m | 62.4% |
| DeKalb County | 620 | 97 | $9.6m | 76.7% |
| Cherokee County | 418 | 90 | $7.6m | 66.9% |
| Henry County | 311 | 57 | $5.1m | 73.4% |
| Paulding County | 256 | 53 | $4.9m | 68.5% |
| Chatham County | 246 | 49 | $4.6m | 72.2% |
| Coweta County | 173 | 42 | $3.7m | 65.9% |
| Hall County | 220 | 37 | $3.5m | 74.8% |
| Fayette County | 161 | 36 | $3.6m | 67.2% |
| Walton County | 124 | 32 | $2.6m | 59.5% |
| Douglas County | 156 | 30 | $2.6m | 74.8% |
| Carroll County | 131 | 30 | $2.6m | 67.7% |
| Jackson County | 143 | 27 | $2.2m | 72.7% |
| Houston County | 109 | 25 | $1.8m | 68.8% |
| Clayton County | 203 | 23 | $2.4m | 83.8% |
| Barrow County | 131 | 22 | $1.5m | 76.8% |
| Columbia County | 130 | 20 | $1.5m | 71.3% |
| Muscogee County | 100 | 20 | $1.6m | 73.3% |
| Newton County | 129 | 19 | $1.3m | 81.4% |
| Catoosa County | 91 | 18 | $1.6m | 70.5% |
| Bartow County | 94 | 17 | $1.5m | 70.3% |
| Effingham County | 74 | 17 | $1.3m | 65.3% |
| Bryan County | 54 | 17 | $1.5m | 57.1% |
| Clarke County | 70 | 15 | $1.2m | 68.1% |
| Oconee County | 45 | 14 | $1.2m | 50.0% |
| Dawson County | 44 | 12 | $910k | 61.3% |
| Glynn County | 61 | 11 | $845k | 67.6% |
| Bulloch County | 48 | 11 | $905k | 65.6% |
| Lumpkin County | 34 | 11 | $1.0m | — |
| Rockdale County | 104 | 10 | $780k | 86.4% |
| Bibb County | 76 | 10 | $750k | 81.8% |
| Richmond County | 76 | 10 | $810k | 81.8% |
| Troup County | 52 | 10 | $760k | 73.7% |
| Camden County | 49 | 9 | $525k | 72.7% |
| Walker County | 40 | 9 | $765k | 71.9% |
| Floyd County | 59 | 8 | $720k | 80.5% |
| Whitfield County | 55 | 8 | $640k | 75.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in Georgia in 2024?
1,779 loans totalling $161m, from 9,702 applications reported for properties in Georgia.
What is Discover Bank's denial rate in Georgia?
72.8% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Discover Bank lend in most?
By originations: Gwinnett County (188), Cobb County (184), Fulton County (162), Forsyth County (136), DeKalb County (97).
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.