Lenders › Discover Bank › Ohio
Discover Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio, Discover Bank reported 7,783 applications and 1,280 originations for 2024, $97m in all.
Its denial rate in the state was 75.2%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its Ohio originations was 2.5 percentage points (state median 0.5).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 75.2% | 23.5% | 76.0% | 24.3% |
| Median rate spread, pp | 2.5 | 0.5 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 77.5% | 17.7% | 75.6% | 15.6% |
| Average originated loan | $76k | $218k | $90k | $329k |
| Home purchase share | 3.0% | 51.7% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 3% (38)Home improvement 27% (350)Refinancing 23% (292)Other purpose 47% (600)
By type
Conventional 100% (1,280)
Denial reasons as coded
Share of 3,980 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 818 | 137 | $11m | 74.8% |
| Cuyahoga County | 794 | 99 | $6.6m | 80.9% |
| Summit County | 416 | 64 | $5.1m | 74.9% |
| Hamilton County | 462 | 62 | $4.3m | 78.8% |
| Warren County | 252 | 55 | $4.7m | 63.9% |
| Delaware County | 220 | 55 | $5.3m | 63.3% |
| Lorain County | 293 | 54 | $4.2m | 70.1% |
| Butler County | 292 | 47 | $4.0m | 74.7% |
| Stark County | 282 | 40 | $2.9m | 79.8% |
| Montgomery County | 265 | 39 | $2.7m | 78.5% |
| Licking County | 169 | 39 | $3.3m | 67.2% |
| Lucas County | 267 | 38 | $2.7m | 80.3% |
| Clermont County | 181 | 37 | $2.9m | 68.0% |
| Lake County | 224 | 36 | $2.4m | 74.1% |
| Fairfield County | 124 | 29 | $2.3m | 68.8% |
| Mahoning County | 170 | 28 | $2.0m | 73.1% |
| Portage County | 114 | 28 | $2.1m | 65.1% |
| Greene County | 89 | 24 | $1.9m | 55.6% |
| Medina County | 173 | 21 | $1.7m | 80.5% |
| Miami County | 73 | 21 | $1.5m | 61.1% |
| Richland County | 80 | 18 | $1.4m | 70.0% |
| Clark County | 73 | 15 | $945k | 70.6% |
| Trumbull County | 131 | 14 | $970k | 84.6% |
| Hancock County | 50 | 14 | $1.2m | 62.2% |
| Wood County | 74 | 13 | $825k | 75.4% |
| Columbiana County | 63 | 12 | $900k | 70.7% |
| Geauga County | 83 | 11 | $985k | 80.0% |
| Union County | 56 | 11 | $945k | 72.5% |
| Pickaway County | 36 | 10 | $720k | 56.0% |
| Ashtabula County | 61 | 9 | $445k | 75.0% |
| Allen County | 53 | 8 | $530k | 80.0% |
| Erie County | 62 | 7 | $525k | 84.8% |
| Wayne County | 52 | 7 | $475k | 80.6% |
| Tuscarawas County | 49 | 7 | $395k | 79.4% |
| Morrow County | 32 | 7 | $675k | — |
| Brown County | 31 | 7 | $475k | — |
| Madison County | 27 | 7 | $495k | — |
| Muskingum County | 56 | 6 | $490k | 85.7% |
| Knox County | 44 | 6 | $370k | 82.4% |
| Ross County | 43 | 6 | $560k | 80.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in Ohio in 2024?
1,280 loans totalling $97m, from 7,783 applications reported for properties in Ohio.
What is Discover Bank's denial rate in Ohio?
75.2% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Discover Bank lend in most?
By originations: Franklin County (137), Cuyahoga County (99), Summit County (64), Hamilton County (62), Warren County (55).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.