Lenders › Discover Bank › New York
Discover Bank in New York
HMDA record for properties in New York, calendar year 2024. National record · New York 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 New York, Discover Bank reported 11,103 applications and 1,473 originations for 2024, $150m in all.
Its denial rate in the state was 79.7%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its New York originations was 2.1 percentage points (state median 0.3).
Applications in the state were up 7% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 79.7% | 25.4% | 76.0% | 24.3% |
| Median rate spread, pp | 2.1 | 0.3 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 73.6% | 15.0% | 75.6% | 15.6% |
| Average originated loan | $102k | $446k | $90k | $329k |
| Home purchase share | 3.1% | 55.3% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 7.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 3% (46)Home improvement 34% (508)Refinancing 21% (307)Other purpose 42% (612)
By type
Conventional 100% (1,473)
Denial reasons as coded
Share of 5,962 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Suffolk County | 1,832 | 282 | $32m | 77.0% |
| Nassau County | 1,333 | 166 | $21m | 80.3% |
| Erie County | 868 | 127 | $11m | 77.1% |
| Richmond County | 467 | 92 | $9.6m | 71.6% |
| Westchester County | 615 | 83 | $10m | 79.2% |
| Monroe County | 486 | 68 | $5.5m | 78.2% |
| Orange County | 458 | 62 | $5.7m | 77.6% |
| Onondaga County | 308 | 62 | $4.8m | 70.7% |
| Queens County | 704 | 58 | $7.2m | 87.0% |
| Rockland County | 337 | 45 | $5.6m | 78.4% |
| Niagara County | 178 | 35 | $3.0m | 70.2% |
| Kings County | 443 | 34 | $4.0m | 88.9% |
| Saratoga County | 199 | 34 | $3.1m | 74.1% |
| Dutchess County | 245 | 33 | $3.6m | 79.9% |
| Albany County | 197 | 29 | $2.2m | 77.1% |
| Schenectady County | 116 | 22 | $1.5m | 72.5% |
| Putnam County | 125 | 20 | $2.0m | 74.4% |
| Ontario County | 72 | 19 | $1.5m | 59.6% |
| Ulster County | 132 | 15 | $1.0m | 79.7% |
| Bronx County | 225 | 14 | $1.4m | 91.2% |
| Broome County | 111 | 14 | $870k | 80.3% |
| Oneida County | 110 | 13 | $885k | 83.1% |
| Clinton County | 61 | 12 | $1.0m | 67.5% |
| Rensselaer County | 110 | 10 | $780k | 87.2% |
| Sullivan County | 76 | 8 | $770k | 85.5% |
| Warren County | 52 | 6 | $410k | 82.4% |
| Columbia County | 51 | 6 | $590k | 84.6% |
| Wayne County | 47 | 6 | $440k | 82.4% |
| Tompkins County | 35 | 6 | $470k | — |
| Cayuga County | 33 | 6 | $390k | — |
| New York County | 114 | 5 | $565k | 93.8% |
| Steuben County | 46 | 5 | $395k | 82.8% |
| Jefferson County | 41 | 5 | $365k | 83.3% |
| Fulton County | 41 | 5 | $375k | 80.0% |
| Essex County | 28 | 5 | $345k | — |
| Wyoming County | 25 | 5 | $245k | — |
| Greene County | 59 | 4 | $330k | 88.2% |
| Oswego County | 50 | 4 | $320k | 87.9% |
| Cattaraugus County | 42 | 4 | $270k | 87.1% |
| Madison County | 42 | 4 | $410k | 85.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in New York in 2024?
1,473 loans totalling $150m, from 11,103 applications reported for properties in New York.
What is Discover Bank's denial rate in New York?
79.7% of decided applications in New York were denied, against 25.4% 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 New York counties does Discover Bank lend in most?
By originations: Suffolk County (282), Nassau County (166), Erie County (127), Richmond County (92), Westchester County (83).
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 New York. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.