Discover Bank in New York vs the state
57.3%Denial rate+37.52 pts vs state
82.0%Decision denial rate+57.92 pts vs state
12.0%Origination rate-47.60 pts vs state
8.65%Median rate+2.03 pts vs state
2.03Rate spread (pts)+1.82 pts vs state
$120kMedian applicant income
467Loans originated
2,230Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,347 | 1,140 | 48.6% | 8.74% | #7 |
| 2024 | 11,103 | 1,473 | 53.7% | 8.61% | #7 |
| 2025 | 3,894 | 467 | 57.3% | 8.65% | #22 |
What Discover Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 685 | 97 | 380 | 55.5% |
| Nassau County | 474 | 49 | 290 | 61.2% |
| Erie County | 273 | 35 | 142 | 52.0% |
| Queens County | 259 | 20 | 166 | 64.1% |
| Westchester County | 217 | 24 | 126 | 58.1% |
| Monroe County | 158 | 16 | 87 | 55.1% |
| Orange County | 151 | 22 | 77 | 51.0% |
| Richmond County | 134 | 21 | 73 | 54.5% |
| Kings County | 131 | 9 | 93 | 71.0% |
| Rockland County | 104 | 16 | 56 | 53.8% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 3,894 applications in 2025, of which 467 were originated and 2,230 denied.
57.3% of all applications, or 82.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Discover Bank originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology