Discover Bank in North Carolina vs the state
54.1%Denial rate+36.03 pts vs state
79.6%Decision denial rate+56.80 pts vs state
13.5%Origination rate-44.27 pts vs state
8.68%Median rate+2.18 pts vs state
2.09Rate spread (pts)+2.00 pts vs state
$103kMedian applicant income
313Loans originated
1,250Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,627 | 1,251 | 43.3% | 9.24% | #11 |
| 2024 | 7,438 | 1,309 | 49.1% | 8.65% | #12 |
| 2025 | 2,311 | 313 | 54.1% | 8.68% | #43 |
What Discover Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 314 | 50 | 159 | 50.6% |
| Mecklenburg County | 285 | 35 | 157 | 55.1% |
| Guilford County | 135 | 21 | 74 | 54.8% |
| Union County | 100 | 9 | 52 | 52.0% |
| Cabarrus County | 82 | 15 | 43 | 52.4% |
| Forsyth County | 71 | 6 | 41 | 57.7% |
| New Hanover County | 70 | 10 | 30 | 42.9% |
| Johnston County | 61 | 9 | 33 | 54.1% |
| Gaston County | 56 | 11 | 27 | 48.2% |
| Cumberland County | 55 | 5 | 34 | 61.8% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 2,311 applications in 2025, of which 313 were originated and 1,250 denied.
54.1% of all applications, or 79.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Discover Bank originated in North Carolina in 2025 was 8.68%, against a statewide median of 6.50%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology