Lenders › Discover Bank › Nebraska
Discover Bank in Nebraska
HMDA record for properties in Nebraska, calendar year 2024. National record · Nebraska 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 Nebraska, Discover Bank reported 1,251 applications and 251 originations for 2024, $18m in all.
Its denial rate in the state was 70.4%, above the Nebraska rate of 17.2% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its Nebraska originations was 2.6 percentage points (state median 0.3).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Nebraska | Nebraska, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 70.4% | 17.2% | 76.0% | 24.3% |
| Median rate spread, pp | 2.6 | 0.3 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 80.5% | 13.8% | 75.6% | 15.6% |
| Average originated loan | $73k | $231k | $90k | $329k |
| Home purchase share | 2.4% | 59.8% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 10.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNebraska, all lenders
Loan purpose and loan type in Nebraska
By purpose
Home purchase 2% (6)Home improvement 31% (78)Refinancing 22% (55)Other purpose 45% (112)
By type
Conventional 100% (251)
Denial reasons as coded
Share of 607 denials in Nebraska by first denial reason coded (outlined bar: all lenders in the state).
Counties in Nebraska
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Douglas County | 375 | 79 | $6.3m | 68.7% |
| Lancaster County | 240 | 56 | $3.8m | 65.6% |
| Sarpy County | 185 | 40 | $2.7m | 68.0% |
| Hall County | 37 | 10 | $790k | 69.7% |
| Buffalo County | 38 | 5 | $415k | — |
| Scotts Bluff County | 25 | 4 | $270k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in Nebraska in 2024?
251 loans totalling $18m, from 1,251 applications reported for properties in Nebraska.
What is Discover Bank's denial rate in Nebraska?
70.4% of decided applications in Nebraska were denied, against 17.2% 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 Nebraska counties does Discover Bank lend in most?
By originations: Douglas County (79), Lancaster County (56), Sarpy County (40), Hall County (10), Buffalo County (5).
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 Nebraska. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.