Discover Bank in Ohio vs the state
54.3%Denial rate+36.59 pts vs state
77.3%Decision denial rate+55.39 pts vs state
15.6%Origination rate-44.29 pts vs state
8.94%Median rate+2.06 pts vs state
2.38Rate spread (pts)+1.99 pts vs state
$95kMedian applicant income
397Loans originated
1,381Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,197 | 1,187 | 45.8% | 9.74% | #8 |
| 2024 | 7,783 | 1,280 | 51.1% | 9.01% | #10 |
| 2025 | 2,544 | 397 | 54.3% | 8.94% | #40 |
What Discover Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 261 | 46 | 138 | 52.9% |
| Cuyahoga County | 252 | 28 | 144 | 57.1% |
| Hamilton County | 164 | 20 | 98 | 59.8% |
| Summit County | 131 | 19 | 72 | 55.0% |
| Stark County | 98 | 23 | 48 | 49.0% |
| Butler County | 94 | 19 | 44 | 46.8% |
| Montgomery County | 90 | 14 | 49 | 54.4% |
| Warren County | 77 | 16 | 36 | 46.8% |
| Lorain County | 77 | 13 | 37 | 48.1% |
| Lucas County | 77 | 11 | 40 | 51.9% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 2,544 applications in 2025, of which 397 were originated and 1,381 denied.
54.3% of all applications, or 77.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Discover Bank originated in Ohio in 2025 was 8.94%, against a statewide median of 6.88%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology