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Discover Bank in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin 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 Wisconsin covers 2,580 applications, 464 of them originated, worth $35m.
Its denial rate in the state was 71.9%, above the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 76.0%.
The median rate spread on its Wisconsin originations was 2.5 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Discover Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 71.9% | 17.1% | 76.0% | 24.3% |
| Median rate spread, pp | 2.5 | 0.2 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 79.7% | 11.0% | 75.6% | 15.6% |
| Average originated loan | $75k | $223k | $90k | $329k |
| Home purchase share | 2.4% | 46.3% | 3.1% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 2% (11)Home improvement 26% (121)Refinancing 24% (111)Other purpose 48% (221)
By type
Conventional 100% (464)
Denial reasons as coded
Share of 1,221 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 405 | 53 | $3.5m | 82.3% |
| Waukesha County | 221 | 47 | $3.9m | 67.3% |
| Dane County | 183 | 31 | $2.4m | 70.6% |
| Kenosha County | 140 | 25 | $1.9m | 73.5% |
| Racine County | 99 | 24 | $1.9m | 63.8% |
| Brown County | 95 | 22 | $2.2m | 63.9% |
| Rock County | 89 | 20 | $1.3m | 62.5% |
| St. Croix County | 64 | 18 | $1.3m | 54.8% |
| Outagamie County | 85 | 17 | $1.2m | 66.0% |
| Winnebago County | 73 | 17 | $1.2m | 62.2% |
| Walworth County | 85 | 16 | $800k | 65.4% |
| Washington County | 66 | 12 | $1.1m | 68.3% |
| Jefferson County | 34 | 12 | $1.2m | 53.8% |
| Sheboygan County | 54 | 11 | $735k | 66.7% |
| Fond du Lac County | 59 | 10 | $690k | 73.0% |
| Eau Claire County | 40 | 10 | $690k | 63.0% |
| Ozaukee County | 55 | 9 | $755k | 69.7% |
| Wood County | 28 | 9 | $545k | — |
| Marathon County | 49 | 8 | $560k | 73.5% |
| La Crosse County | 37 | 8 | $810k | — |
| Portage County | 27 | 8 | $760k | — |
| Dodge County | 32 | 7 | $545k | — |
| Douglas County | 25 | 6 | $400k | — |
| Manitowoc County | 38 | 4 | $330k | — |
| Sauk County | 26 | 2 | $170k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Discover Bank originate in Wisconsin in 2024?
464 loans totalling $35m, from 2,580 applications reported for properties in Wisconsin.
What is Discover Bank's denial rate in Wisconsin?
71.9% of decided applications in Wisconsin were denied, against 17.1% 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 Wisconsin counties does Discover Bank lend in most?
By originations: Milwaukee County (53), Waukesha County (47), Dane County (31), Kenosha County (25), Racine County (24).
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 Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.