Discover Bank in Louisiana vs the state
61.2%Denial rate+39.07 pts vs state
83.3%Decision denial rate+55.18 pts vs state
12.1%Origination rate-39.87 pts vs state
8.93%Median rate+2.30 pts vs state
2.50Rate spread (pts)+2.14 pts vs state
$100kMedian applicant income
84Loans originated
425Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,309 | 197 | 56.3% | 9.84% | #10 |
| 2024 | 2,217 | 261 | 60.4% | 9.11% | #11 |
| 2025 | 694 | 84 | 61.2% | 8.93% | #44 |
What Discover Bank lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson Parish | 101 | 12 | 61 | 60.4% |
| St. Tammany Parish | 88 | 15 | 54 | 61.4% |
| East Baton Rouge Parish | 75 | 16 | 41 | 54.7% |
| Lafayette Parish | 49 | 7 | 29 | 59.2% |
| Orleans Parish | 48 | 1 | 34 | 70.8% |
| Ascension Parish | 30 | 2 | 19 | 63.3% |
| Caddo Parish | 29 | 6 | 17 | 58.6% |
| Calcasieu Parish | 25 | 4 | 15 | 60.0% |
| Livingston Parish | 20 | 1 | 14 | 70.0% |
| Ouachita Parish | 18 | 4 | 10 | 55.6% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 694 applications in 2025, of which 84 were originated and 425 denied.
61.2% of all applications, or 83.3% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Discover Bank originated in Louisiana in 2025 was 8.93%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology