Discover Bank in Pennsylvania vs the state
52.8%Denial rate+34.52 pts vs state
78.7%Decision denial rate+56.52 pts vs state
13.9%Origination rate-47.11 pts vs state
8.61%Median rate+1.98 pts vs state
2.08Rate spread (pts)+1.84 pts vs state
$100kMedian applicant income
392Loans originated
1,495Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,728 | 1,071 | 46.8% | 9.49% | #7 |
| 2024 | 8,704 | 1,355 | 49.8% | 8.86% | #7 |
| 2025 | 2,831 | 392 | 52.8% | 8.61% | #40 |
What Discover Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 266 | 39 | 125 | 47.0% |
| Montgomery County | 236 | 47 | 116 | 49.2% |
| Philadelphia County | 224 | 19 | 132 | 58.9% |
| Bucks County | 189 | 30 | 85 | 45.0% |
| Delaware County | 151 | 22 | 83 | 55.0% |
| Berks County | 126 | 15 | 63 | 50.0% |
| Chester County | 122 | 21 | 50 | 41.0% |
| Lehigh County | 111 | 22 | 59 | 53.2% |
| Northampton County | 107 | 23 | 40 | 37.4% |
| York County | 103 | 24 | 49 | 47.6% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 2,831 applications in 2025, of which 392 were originated and 1,495 denied.
52.8% of all applications, or 78.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Discover Bank originated in Pennsylvania in 2025 was 8.61%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology