Discover Bank in Texas vs the state
63.3%Denial rate+43.91 pts vs state
85.3%Decision denial rate+60.35 pts vs state
10.6%Origination rate-44.28 pts vs state
8.44%Median rate+1.94 pts vs state
1.84Rate spread (pts)+1.65 pts vs state
$120kMedian applicant income
649Loans originated
3,879Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20,323 | 2,054 | 57.1% | 8.74% | #6 |
| 2024 | 19,814 | 2,337 | 62.7% | 8.49% | #6 |
| 2025 | 6,124 | 649 | 63.3% | 8.44% | #28 |
What Discover Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 948 | 85 | 621 | 65.5% |
| Tarrant County | 453 | 60 | 263 | 58.1% |
| Dallas County | 441 | 56 | 262 | 59.4% |
| Collin County | 398 | 52 | 232 | 58.3% |
| Denton County | 382 | 43 | 232 | 60.7% |
| Bexar County | 375 | 31 | 255 | 68.0% |
| Fort Bend County | 305 | 40 | 178 | 58.4% |
| Travis County | 240 | 25 | 156 | 65.0% |
| Montgomery County | 195 | 34 | 108 | 55.4% |
| Williamson County | 191 | 15 | 130 | 68.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 6,124 applications in 2025, of which 649 were originated and 3,879 denied.
63.3% of all applications, or 85.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Discover Bank originated in Texas in 2025 was 8.44%, against a statewide median of 6.50%.
About this data. Figures are Discover Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology