Discover Bank in Alaska vs the state
57.0%Denial rate+43.00 pts vs state
81.3%Decision denial rate+63.35 pts vs state
13.1%Origination rate-47.60 pts vs state
9.00%Median rate+2.55 pts vs state
2.23Rate spread (pts)+2.09 pts vs state
$115kMedian applicant income
14Loans originated
61Denied
Trend in Alaska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 342 | 53 | 48.8% | 9.24% | #11 |
| 2024 | 392 | 44 | 54.1% | 8.91% | #9 |
| 2025 | 107 | 14 | 57.0% | 9.00% | #41 |
What Discover Bank lends in Alaska
By loan purpose
By loan type
Why it denied Alaska applicants
Where in Alaska
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anchorage Municipality | 42 | 5 | 25 | 59.5% |
| Matanuska-Susitna Borough | 25 | 8 | 11 | 44.0% |
| Fairbanks North Star Borough | 12 | 1 | 8 | 66.7% |
| Kenai Peninsula Borough | 11 | 0 | 7 | 63.6% |
| Juneau City and Borough | 8 | 0 | 2 | 25.0% |
| Nome Census Area | 2 | 0 | 2 | 100.0% |
| Ketchikan Gateway Borough | 2 | 0 | 2 | 100.0% |
| North Slope Borough | 2 | 0 | 2 | 100.0% |
| Chugach Census Area | 1 | 0 | 0 | 0.0% |
| Hoonah-Angoon Census Area | 1 | 0 | 1 | 100.0% |
Other large lenders in Alaska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Global Federal Credit Union | C | 2,601 | 16.0% | 6.63% |
| Residential Mortgage | B | 1,907 | 4.4% | 6.25% |
| Newrez | D | 1,344 | 4.3% | 6.38% |
| Rocket Mortgage | C | 1,051 | 17.8% | 6.75% |
| Mortgage Research Center | C | 844 | 14.5% | 6.25% |
| United Shore Financial Services | B | 551 | 12.2% | 6.12% |
| The Loan Store | B | 519 | 8.5% | 6.50% |
| NuVision Federal Credit Union | C | 501 | 32.9% | 4.99% |
| CREDIT UNION 1 Credit Union | D | 462 | 11.7% | 7.75% |
| First National Bank Alaska | C | 402 | 9.0% | 6.63% |
Frequently asked questions
Alaska: 107 applications in 2025, of which 14 were originated and 61 denied.
57.0% of all applications, or 81.3% of the applications it actually decided on. The Alaska statewide average across all lenders was 14.0%.
The median rate on loans Discover Bank originated in Alaska in 2025 was 9.00%, against a statewide median of 6.44%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Alaska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology