Discover Bank in Delaware vs the state
53.0%Denial rate+34.85 pts vs state
73.6%Decision denial rate+50.85 pts vs state
18.3%Origination rate-40.88 pts vs state
8.65%Median rate+2.03 pts vs state
2.16Rate spread (pts)+1.89 pts vs state
$106kMedian applicant income
76Loans originated
220Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,174 | 202 | 46.3% | 9.74% | #6 |
| 2024 | 1,253 | 245 | 49.6% | 8.84% | #6 |
| 2025 | 415 | 76 | 53.0% | 8.65% | #32 |
What Discover Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 216 | 42 | 113 | 52.3% |
| Sussex County | 118 | 18 | 58 | 49.2% |
| Kent County | 81 | 16 | 49 | 60.5% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 415 applications in 2025, of which 76 were originated and 220 denied.
53.0% of all applications, or 73.6% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Discover Bank originated in Delaware in 2025 was 8.65%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology