Discover Bank in California vs the state
54.3%Denial rate+36.83 pts vs state
79.0%Decision denial rate+56.61 pts vs state
14.0%Origination rate-42.25 pts vs state
8.58%Median rate+1.96 pts vs state
1.93Rate spread (pts)+1.66 pts vs state
$138kMedian applicant income
813Loans originated
3,162Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19,763 | 2,919 | 46.9% | 8.74% | #5 |
| 2024 | 19,148 | 3,059 | 52.4% | 8.59% | #6 |
| 2025 | 5,829 | 813 | 54.3% | 8.58% | #36 |
What Discover Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,104 | 146 | 628 | 56.9% |
| Riverside County | 618 | 95 | 352 | 57.0% |
| San Diego County | 490 | 68 | 243 | 49.6% |
| Orange County | 437 | 52 | 217 | 49.7% |
| San Bernardino County | 437 | 72 | 237 | 54.2% |
| Sacramento County | 322 | 56 | 167 | 51.9% |
| Contra Costa County | 225 | 32 | 126 | 56.0% |
| Alameda County | 181 | 15 | 86 | 47.5% |
| San Joaquin County | 173 | 21 | 92 | 53.2% |
| Fresno County | 162 | 23 | 95 | 58.6% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 5,829 applications in 2025, of which 813 were originated and 3,162 denied.
54.3% of all applications, or 79.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Discover Bank originated in California in 2025 was 8.58%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology