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Discover Bank in Louisiana
HMDA record for properties in Louisiana, calendar year 2024. National record · Louisiana 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.
In Louisiana, Discover Bank reported 2,217 applications and 261 originations for 2024, $19m in all.
Its denial rate in the state was 83.2%, above the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its Louisiana originations was 2.7 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 Louisiana | Louisiana, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 83.2% | 30.2% | 76.0% | 24.3% |
| Median rate spread, pp | 2.7 | 0.4 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 79.3% | 17.0% | 75.6% | 15.6% |
| Average originated loan | $72k | $234k | $90k | $329k |
| Home purchase share | 2.3% | 63.7% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 20.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateLouisiana, all lenders
Loan purpose and loan type in Louisiana
By purpose
Home purchase 2% (6)Home improvement 24% (62)Refinancing 16% (41)Other purpose 58% (152)
By type
Conventional 100% (261)
Denial reasons as coded
Share of 1,339 denials in Louisiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Louisiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Tammany Parish | 256 | 40 | $3.0m | 74.5% |
| Jefferson Parish | 275 | 30 | $1.8m | 83.8% |
| East Baton Rouge Parish | 198 | 19 | $1.6m | 85.7% |
| Lafayette Parish | 152 | 19 | $1.4m | 81.6% |
| Orleans Parish | 192 | 14 | $1.1m | 90.2% |
| Livingston Parish | 91 | 13 | $895k | 80.9% |
| Bossier Parish | 63 | 12 | $860k | 75.5% |
| Ascension Parish | 78 | 11 | $955k | 80.4% |
| Tangipahoa Parish | 75 | 10 | $700k | 81.7% |
| Caddo Parish | 110 | 9 | $475k | 88.5% |
| Calcasieu Parish | 81 | 9 | $765k | 85.0% |
| Ouachita Parish | 57 | 8 | $450k | 76.9% |
| Terrebonne Parish | 51 | 7 | $675k | 82.5% |
| Lafourche Parish | 50 | 6 | $380k | 82.9% |
| Rapides Parish | 39 | 5 | $435k | 83.9% |
| Vermilion Parish | 27 | 4 | $250k | — |
| St. Charles Parish | 30 | 3 | $345k | — |
| St. John the Baptist Parish | 34 | 1 | $45k | 96.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in Louisiana in 2024?
261 loans totalling $19m, from 2,217 applications reported for properties in Louisiana.
What is Discover Bank's denial rate in Louisiana?
83.2% of decided applications in Louisiana were denied, against 30.2% 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 Louisiana counties does Discover Bank lend in most?
By originations: St. Tammany Parish (40), Jefferson Parish (30), East Baton Rouge Parish (19), Lafayette Parish (19), Orleans Parish (14).
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 Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.