Discover Bank Mortgage Rates, Fees & Info
Greenwood, DELEI: X05BVSK68TQ7YTOSNR22
Tax ID: 51-0020270
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Review & Overview
Discover Bank is a smaller bank specializing in Home Improvement and Other loans. Discover Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, New York, Atlanta, Denver, and Chicago among others. We have data for 508 markets. (Some data included below & more in-depth data is available with an active subscription.)Discover Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Discover Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.90% | 11/17/24 |
| 30 Year Conventional Refi | 7.79% | 11/17/24 |
| 15 Year Conventional Purchase | 8.24% | 11/17/24 |
| 15 Year Conventional Refi | 8.20% | 11/17/24 |
| 15 Year Cash-out Refi | 8.20% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,862Origination Dollar Volume (All Markets)
$472,490,000Employee count
11,646Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 381 | $33,615,000 | $88,228 | $0 | 7.05% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 290 | $22,770,000 | $78,517 | $0 | 7.90% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 269 | $18,765,000 | $69,758 | $0 | 8.15% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 236 | $17,440,000 | $73,898 | $0 | 7.79% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 244 | $16,420,000 | $67,295 | $0 | 8.37% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 209 | $15,105,000 | $72,273 | $0 | 8.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 228 | $14,170,000 | $62,149 | $0 | 8.72% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 151 | $13,605,000 | $90,099 | $0 | 6.83% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 171 | $13,065,000 | $76,404 | $0 | 7.96% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 128 | $10,710,000 | $83,672 | $0 | 7.65% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 158 | $10,150,000 | $64,241 | $0 | 8.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 123 | $9,995,000 | $81,260 | $0 | 7.85% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 117 | $9,205,000 | $78,675 | $0 | 7.73% |
| Outside of Metro Areas | 149 | $9,025,000 | $60,570 | $0 | 7.84% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 120 | $8,740,000 | $72,833 | $0 | 8.22% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 124 | $8,720,000 | $70,323 | $0 | 8.16% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 120 | $8,380,000 | $69,833 | $0 | 8.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 117 | $7,985,000 | $68,248 | $0 | 8.06% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 115 | $7,375,000 | $64,130 | $0 | 8.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 103 | $6,645,000 | $64,515 | $0 | 8.74% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 94 | $6,030,000 | $64,149 | $0 | 8.39% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 93 | $6,015,000 | $64,677 | $0 | 8.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 90 | $5,720,000 | $63,556 | $0 | 8.53% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 78 | $4,980,000 | $63,846 | $0 | 8.59% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 75 | $4,725,000 | $63,000 | $0 | 8.47% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 50 | $3,590,000 | $71,800 | $0 | 8.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 60 | $3,540,000 | $59,000 | $0 | 9.43% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 37 | $3,495,000 | $94,459 | $0 | 6.36% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 55 | $3,495,000 | $63,545 | $0 | 8.67% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 59 | $3,415,000 | $57,881 | $0 | 8.41% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 56 | $3,170,000 | $56,607 | $0 | 8.75% |
| RENO, NV (FHA|USDA|VA) | 45 | $3,045,000 | $67,667 | $0 | 8.23% |
| STOCKTON, CA (FHA|USDA|VA) | 36 | $2,840,000 | $78,889 | $0 | 8.53% |
| BOISE CITY, ID (FHA|USDA|VA) | 47 | $2,565,000 | $54,574 | $0 | 9.11% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 38 | $2,550,000 | $67,105 | $0 | 8.77% |
| RICHMOND, VA (FHA|USDA|VA) | 44 | $2,530,000 | $57,500 | $0 | 9.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 28 | $2,370,000 | $84,643 | $0 | 6.81% |
| VALLEJO, CA (FHA|USDA|VA) | 27 | $2,185,000 | $80,926 | $0 | 7.27% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 38 | $2,180,000 | $57,368 | $0 | 8.90% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 30 | $2,110,000 | $70,333 | $0 | 8.68% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 35 | $2,045,000 | $58,429 | $0 | 8.58% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 38 | $1,980,000 | $52,105 | $0 | 8.97% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 25 | $1,975,000 | $79,000 | $0 | 7.38% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 28 | $1,910,000 | $68,214 | $0 | 7.88% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 30 | $1,880,000 | $62,667 | $0 | 8.92% |
| TULSA, OK (FHA|USDA|VA) | 29 | $1,775,000 | $61,207 | $0 | 8.45% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 29 | $1,755,000 | $60,517 | $0 | 9.07% |
| MODESTO, CA (FHA|USDA|VA) | 32 | $1,750,000 | $54,688 | $0 | 8.63% |
| GREELEY, CO (FHA|USDA|VA) | 30 | $1,670,000 | $55,667 | $0 | 8.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 28 | $1,660,000 | $59,286 | $0 | 8.33% |
| FORT COLLINS, CO (FHA|USDA|VA) | 26 | $1,660,000 | $63,846 | $0 | 8.97% |
| PROVO-OREM, UT (FHA|USDA|VA) | 28 | $1,640,000 | $58,571 | $0 | 8.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 24 | $1,620,000 | $67,500 | $0 | 7.97% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 22 | $1,590,000 | $72,273 | $0 | 8.33% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 25 | $1,545,000 | $61,800 | $0 | 8.42% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 23 | $1,385,000 | $60,217 | $0 | 9.56% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 19 | $1,385,000 | $72,895 | $0 | 9.01% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 21 | $1,355,000 | $64,524 | $0 | 8.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 21 | $1,345,000 | $64,048 | $0 | 8.26% |
| FRESNO, CA (FHA|USDA|VA) | 19 | $1,335,000 | $70,263 | $0 | 8.54% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 19 | $1,295,000 | $68,158 | $0 | 8.08% |
| AKRON, OH (FHA|USDA|VA) | 20 | $1,290,000 | $64,500 | $0 | 7.90% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $1,265,000 | $84,333 | $0 | 7.65% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 19 | $1,235,000 | $65,000 | $0 | 9.08% |
| SALEM, OR (FHA|USDA|VA) | 21 | $1,225,000 | $58,333 | $0 | 8.85% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 22 | $1,210,000 | $55,000 | $0 | 8.78% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 14 | $1,210,000 | $86,429 | $0 | 7.44% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 22 | $1,210,000 | $55,000 | $0 | 8.80% |
| TUCSON, AZ (FHA|USDA|VA) | 19 | $1,205,000 | $63,421 | $0 | 8.56% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 20 | $1,180,000 | $59,000 | $0 | 8.52% |
| LOUISVILLE, KY (FHA|USDA|VA) | 18 | $1,180,000 | $65,556 | $0 | 9.03% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 12 | $1,140,000 | $95,000 | $0 | 6.71% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 15 | $1,135,000 | $75,667 | $0 | 8.45% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 19 | $1,095,000 | $57,632 | $0 | 8.74% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 13 | $1,015,000 | $78,077 | $0 | 8.32% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 14 | $990,000 | $70,714 | $0 | 7.80% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 15 | $985,000 | $65,667 | $0 | 8.66% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 15 | $955,000 | $63,667 | $0 | 8.53% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 12 | $950,000 | $79,167 | $0 | 7.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 16 | $920,000 | $57,500 | $0 | 8.42% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $900,000 | $64,286 | $0 | 8.35% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $895,000 | $81,364 | $0 | 6.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 16 | $890,000 | $55,625 | $0 | 9.99% |
| SPARTANBURG, SC (FHA|USDA|VA) | 14 | $880,000 | $62,857 | $0 | 7.97% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 15 | $875,000 | $58,333 | $0 | 9.35% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 12 | $850,000 | $70,833 | $0 | 7.01% |
| BOULDER, CO (FHA|USDA|VA) | 13 | $845,000 | $65,000 | $0 | 7.97% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 15 | $845,000 | $56,333 | $0 | 7.96% |
| KNOXVILLE, TN (FHA|USDA|VA) | 16 | $840,000 | $52,500 | $0 | 8.84% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 14 | $790,000 | $56,429 | $0 | 9.30% |
| ANN ARBOR, MI (FHA|USDA|VA) | 11 | $775,000 | $70,455 | $0 | 8.24% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 10 | $770,000 | $77,000 | $0 | 8.53% |
| WICHITA, KS (FHA|USDA|VA) | 12 | $730,000 | $60,833 | $0 | 8.57% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $730,000 | $52,143 | $0 | 9.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 11 | $725,000 | $65,909 | $0 | 7.87% |
| ASHEVILLE, NC (FHA|USDA|VA) | 10 | $720,000 | $72,000 | $0 | 7.73% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 14 | $670,000 | $47,857 | $0 | 8.61% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 11 | $655,000 | $59,545 | $0 | 8.81% |
| MEDFORD, OR (FHA|USDA|VA) | 9 | $625,000 | $69,444 | $0 | 7.83% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 10 | $610,000 | $61,000 | $0 | 7.74% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 8 | $610,000 | $76,250 | $0 | 7.26% |
| MERCED, CA (FHA|USDA|VA) | 10 | $610,000 | $61,000 | $0 | 8.32% |
| NAPA, CA (FHA|USDA|VA) | 7 | $605,000 | $86,429 | $0 | 7.03% |
| FARGO, ND-MN (FHA|USDA|VA) | 12 | $600,000 | $50,000 | $0 | 8.42% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $590,000 | $59,000 | $0 | 8.62% |
| MADISON, WI (FHA|USDA|VA) | 8 | $580,000 | $72,500 | $0 | 8.53% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $565,000 | $80,714 | $0 | 8.19% |
| OCALA, FL (FHA|USDA|VA) | 8 | $560,000 | $70,000 | $0 | 6.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 11 | $555,000 | $50,455 | $0 | 8.10% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 7 | $555,000 | $79,286 | $0 | 8.72% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $545,000 | $77,857 | $0 | 8.22% |
| LANCASTER, PA (FHA|USDA|VA) | 8 | $540,000 | $67,500 | $0 | 7.30% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 8 | $540,000 | $67,500 | $0 | 9.27% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 9 | $535,000 | $59,444 | $0 | 8.47% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 11 | $525,000 | $47,727 | $0 | 8.12% |
| MOBILE, AL (FHA|USDA|VA) | 7 | $525,000 | $75,000 | $0 | 7.51% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $0 | 7.16% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 10 | $520,000 | $52,000 | $0 | 10.19% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $505,000 | $72,143 | $0 | 8.66% |
| CARSON CITY, NV (FHA|USDA|VA) | 7 | $505,000 | $72,143 | $0 | 7.26% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 8 | $490,000 | $61,250 | $0 | 9.20% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $480,000 | $80,000 | $0 | 6.46% |
| ST. GEORGE, UT (FHA|USDA|VA) | 7 | $475,000 | $67,857 | $0 | 8.63% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $470,000 | $78,333 | $0 | 7.76% |
| MISSOULA, MT (FHA|USDA|VA) | 6 | $470,000 | $78,333 | $0 | 7.19% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 7 | $465,000 | $66,429 | $0 | 8.68% |
| LINCOLN, NE (FHA|USDA|VA) | 7 | $465,000 | $66,429 | $0 | 8.68% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 7 | $465,000 | $66,429 | $0 | 8.42% |
| Outside of Metro Areas | 7 | $445,000 | $63,571 | $0 | 7.92% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $445,000 | $63,571 | $0 | 8.05% |
| CHICO, CA (FHA|USDA|VA) | 7 | $445,000 | $63,571 | $0 | 8.86% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $440,000 | $73,333 | $0 | 7.82% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $440,000 | $73,333 | $0 | 8.91% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $0 | 8.39% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $435,000 | $62,143 | $0 | 8.26% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 8 | $430,000 | $53,750 | $0 | 8.08% |
| TOLEDO, OH (FHA|USDA|VA) | 9 | $425,000 | $47,222 | $0 | 10.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $0 | 6.65% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $420,000 | $52,500 | $0 | 9.62% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $0 | 6.82% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 7 | $395,000 | $56,429 | $0 | 9.66% |
| Jefferson, GA (FHA|USDA|VA) | 7 | $395,000 | $56,429 | $0 | 9.52% |
| Concord, NH (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $0 | 6.89% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $390,000 | $65,000 | $0 | 8.18% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $385,000 | $55,000 | $0 | 8.42% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 6 | $380,000 | $63,333 | $0 | 8.11% |
| ANCHORAGE, AK (FHA|USDA|VA) | 6 | $380,000 | $63,333 | $0 | 9.32% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $370,000 | $46,250 | $0 | 9.87% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $0 | 9.58% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 9.09% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $0 | 9.23% |
| Bozeman, MT (FHA|USDA|VA) | 5 | $355,000 | $71,000 | $0 | 7.48% |
| FORT WAYNE, IN (FHA|USDA|VA) | 7 | $355,000 | $50,714 | $0 | 8.43% |
| GAINESVILLE, FL (FHA|USDA|VA) | 7 | $355,000 | $50,714 | $0 | 9.67% |
| ROCKFORD, IL (FHA|USDA|VA) | 7 | $355,000 | $50,714 | $0 | 8.60% |
| REDDING, CA (FHA|USDA|VA) | 6 | $350,000 | $58,333 | $0 | 7.24% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $0 | 8.29% |
| Shelton, WA (FHA|USDA|VA) | 6 | $350,000 | $58,333 | $0 | 9.09% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 8.06% |
| BEND, OR (FHA|USDA|VA) | 7 | $335,000 | $47,857 | $0 | 8.46% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $0 | 8.57% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $0 | 8.65% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 8.21% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 9.55% |
| BISMARCK, ND (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $0 | 7.20% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $310,000 | $51,667 | $0 | 7.65% |
| LAS CRUCES, NM (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 7.69% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 6.78% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 6.82% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 6.99% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 6 | $290,000 | $48,333 | $0 | 8.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $290,000 | $72,500 | $0 | 7.93% |
| DOVER, DE (FHA|USDA|VA) | 6 | $290,000 | $48,333 | $0 | 9.22% |
| Sevierville, TN (FHA|USDA|VA) | 5 | $285,000 | $57,000 | $0 | 9.43% |
| EL CENTRO, CA (FHA|USDA|VA) | 5 | $285,000 | $57,000 | $0 | 9.67% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $285,000 | $57,000 | $0 | 7.79% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 6.34% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 7.39% |
| Sheridan, WY (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 8.27% |
| MORGANTOWN, WV (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 7.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 8.54% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 8.76% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 9.53% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 9.68% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 6.79% |
| Helena, MT (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 9.22% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 9.72% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 7.39% |
| READING, PA (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 8.15% |
| Laconia, NH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 7.46% |
| Kalispell, MT (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 6.21% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 8.53% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 8.34% |
| COLUMBIA, MO (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 9.29% |
| Marion, OH (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 6.36% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.35% |
| PEORIA, IL (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.07% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.69% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 4 | $240,000 | $60,000 | $0 | 7.99% |
| FLINT, MI (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 9.52% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 6.32% |
| Heber, UT (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 8.21% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.97% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.84% |
| JACKSON, TN (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.53% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 9.90% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 7.32% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 7.82% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 7.24% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 5.24% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 8.37% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 7.69% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 9.69% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 8.94% |
| MORRISTOWN, TN (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 6.80% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 7.54% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 8.89% |
| Fernley, NV (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 6.12% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 7.82% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 8.44% |
| ROCHESTER, NY (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 8.44% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 10.42% |
| Fallon, NV (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 8.14% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 8.26% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 9.22% |
| Dickinson, ND (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.24% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.82% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 8.54% |
| MONROE, MI (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 9.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 9.59% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.19% |
| DECATUR, AL (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 5.82% |
| Minot, ND (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 7.66% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 10.43% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 5.99% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 8.26% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 7.61% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.49% |
| Hilo, HI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 6.24% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.04% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 8.27% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 5.69% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.12% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 6.97% |
| MADERA, CA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 8.56% |
| Seneca, SC (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 5.92% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.37% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 7.89% |
| DALTON, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.99% |
| Sonora, CA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.59% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 7.54% |
| Cortland, NY (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 4.99% |
| Crossville, TN (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 6.74% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.59% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.17% |
| Nogales, AZ (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 7.42% |
| SAGINAW, MI (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.46% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.89% |
| Wilson, NC (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 9.46% |
| NILES, MI (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.42% |
| Watertown, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.79% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.36% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 10.29% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 6.49% |
| London, KY (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.64% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.24% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 4.99% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 5.39% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 8.97% |
| LIMA, OH (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 9.72% |
| Adrian, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.99% |
| Starkville, MS (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.29% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.99% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 5.79% |
| Juneau, AK (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.49% |
| Durango, CO (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.42% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 5.54% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 5.69% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 10.99% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 7.36% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 8.42% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 10.12% |
| Oil City, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.59% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 8.29% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.59% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.34% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.04% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.19% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.79% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.99% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.44% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.99% |
| Salem, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.39% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.14% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 6.09% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 10.29% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 6.19% |
| North Platte, NE (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.19% |
| Hailey, ID (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.29% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.09% |
| Torrington, CT (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.54% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 7.82% |
| Duncan, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.99% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 9.02% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.99% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 9.46% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.44% |
| Effingham, IL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.04% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.99% |
| Fairmont, WV (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.29% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 9.96% |
| Danville, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.24% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.74% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.69% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| Newport, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.89% |
| Huntington, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| Key West, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| West Point, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| MONROE, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.39% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.74% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.79% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.59% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.99% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.14% |
| Sayre, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.99% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.99% |
| Oxford, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.49% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.94% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.39% |
| Clarksburg, WV (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.74% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.74% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.44% |
| Paragould, AR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.99% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 10.59% |
| Gallup, NM (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.54% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.74% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.64% |
| Moscow, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.99% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| Jennings, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.79% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.79% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.99% |
| Greenville, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.24% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.99% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.79% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.59% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.99% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.69% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.59% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 9.07% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.14% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.62% |
| Hood River, OR (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 11.24% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.92% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.49% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.49% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.99% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.99% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.74% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.09% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.99% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.09% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.59% |
| Roswell, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.99% |
| Fremont, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| Kennett, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.39% |
| Kearney, NE (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.49% |
| Newport, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.09% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.49% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.99% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.79% |
| Prineville, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.79% |
| Susanville, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.19% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.34% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.09% |
| ERIE, PA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 11.09% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.74% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.74% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.34% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.24% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| Houghton, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.49% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.49% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.39% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.69% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.69% |
| Jasper, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.19% |
| Elko, NV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.49% |
| Laurel, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Salina, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| Columbus, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.09% |
| Washington, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Murray, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.79% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.69% |
| Searcy, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.59% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.49% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.89% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.79% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.54% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.49% |
| Burley, ID (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.59% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.19% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.59% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.99% |
| Centralia, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.24% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.59% |
| Troy, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.99% |
| Lexington, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.29% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.69% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.74% |
| Sidney, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.49% |
| Cleveland, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.89% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.49% |
| Meadville, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.84% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.99% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.69% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.49% |
| Somerset, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.29% |
| Gillette, WY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.24% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.09% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.49% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.89% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.29% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.39% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.39% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.79% |
| Defiance, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.19% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.19% |
| Riverton, WY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.29% |
| Freeport, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.59% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.39% |
| New Castle, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.24% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.79% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.29% |
| CASPER, WY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.29% |
| Martin, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.69% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.29% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.89% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.39% |
| Urbana, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Bedford, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.49% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.19% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.59% |
| Wooster, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.74% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.39% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.89% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.89% |
| Marshall, MN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.09% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Alma, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Price, UT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.49% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.39% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.29% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.89% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.39% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Centralia, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.49% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.69% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.49% |
| Newberry, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| Ruston, LA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Fremont, NE (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Laramie, WY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.79% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.89% |
| West Plains, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.24% |
| Richmond, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.24% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.29% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.19% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Palatka, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.29% |
| Findlay, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.24% |
| ENID, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.89% |
| Peru, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| Astoria, OR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.19% |
| Woodward, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.79% |
| Portales, NM (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.29% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.49% |
| Macomb, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.74% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Indiana, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.39% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.74% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.69% |
| Brookings, SD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.79% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.29% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 6,862 | $472,490,000 | $68,856 | $0 | 8.19% |
For 2018, Discover Bank's most frequently originated type of loan was Conventional, with 6,862 originations.
Loan Reason
For 2018, Discover Bank's most frequently cited loan purpose was Home Improvement, with 2,906 originations. The 2nd most popular reason was Other, with 2,858 originations.
Loan Duration/Length
For 2018, Discover Bank's most frequently cited loan duration was 20 Year, with 4,345 originations. The 2nd most popular length was 10 Year, with 939 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 6,862 | $472,490,000 | $68,856 |
Discover Bank's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,862 originations.
Interest Rates
During 2018, Discover Bank's average interest rate for loans was 8.47%, while their most frequently originated rate bucket for loans was Over 8%, with 3,574 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 5,669 | $323,555,000 | $57,074 | $0 | 8.58% |
| $100k-200k | 1,193 | $148,935,000 | $124,841 | $0 | 6.33% |
2018 saw Discover Bank place emphasis on $100,000 or less loans with 5,669 originations, totaling $323,555,000 in origination value.
Applicant Income
Discover Bank lent most frequently to those with incomes in the $100k-150k range, with 2,250 originations. The second most popular income band? $150k-250k, with 1,557 originations.
Applicant Debt to Income Ratio
Discover Bank lent most frequently to those with DTI ratios of 42%, with 1,305 originations. The next most common DTI ratio? 30-36%, with 1,263 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications34.53%
Discover Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination-71.80%
Discover Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,862 | $472,490,000 | $68,856 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 6,862 | $472,490,000 | $68,856 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 77.8% |
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 11.1% |
| DISCOVER BANK | Other type of mortgage | Struggling to pay mortgage | 1 | 11.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Discover Bank | 12 Read's Way New Castle, DE 19720 | Limited, Administrative | $0 |
| Discover Bank | 502 E. Market Street Greenwood, DE 19950 | Full Service B&M | $63,229,500 |
For 2018, Discover Bank had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,196,231 |
| Net interest income | $9,233,559 |
| Total noninterest income | $925,236 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,513 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $922,723 |
| Pre-tax net operating income | $3,526,467 |
| Securities gains (or losses, -) | $166 |
| Income before extraordinary items | $2,677,480 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,677,480 |
| Minority interest net income | $0 |
| Net income | $2,677,480 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,677,348 |
Discover Bank's gross interest income from loans was $11,196,231,000.
Discover Bank's net interest income from loans was $9,233,559,000.
Discover Bank's fee based income from loans was $2,513,000.
Discover Bank's net income from loans was $2,677,480,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,962,672 |
| Provision for credit losses | $3,034,558 |
| Total noninterest expense | $3,597,770 |
| Salaries and employee benefits | $1,058,471 |
| Premises and equipment expense | $52,803 |
| Additional noninterest expense | $2,486,496 |
| Applicable income taxes | $849,153 |
| Net charge-offs | $2,605,754 |
| Cash dividends | $2,375,000 |
Discover Bank's interest expense for loans was $1,962,672,000.
Discover Bank's payroll and benefits expense were $1,058,471,000.
Discover Bank's property, plant and equipment expenses $52,803,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 1.0% |
| Credit card loans | 1.4% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $69,257,146 |
| Deposits held in domestic offices | $69,257,146 |
| Deposits by Individuals, partnerships, and corporations | $69,248,610 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $209 |
| Deposits by Commercial banks and other depository institutions in U.S. | $8,327 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $818,098 |
| Demand deposits | $818,098 |
| Nontransaction accounts | $68,439,048 |
| Money market deposit accounts (MMDAs) | $8,476,071 |
| Other savings deposits (excluding MMDAs) | $25,174,669 |
| Total time deposits | $34,788,308 |
| Total time and savings deposits | $68,439,048 |
| Noninterest-bearing deposits | $734,929 |
| Interest-bearing deposits | $68,522,217 |
| Retail deposits | $41,681,901 |
| IRAs and Keogh plan accounts | $2,200,038 |
| Brokered deposits | $26,582,616 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $108,015,112 |
| Cash & Balances due from depository institutions | $14,811,896 |
| Interest-bearing balances | $14,154,128 |
| Total securities | $3,475,449 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $87,459,200 |
| Loan and leases loss allowance | $3,038,993 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $351,072 |
| Other real estate owned | $142 |
| Goodwill and other intangibles | $6,450 |
| All other assets | $1,910,903 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $108,015,112 |
| Total Liabilities | $97,140,919 |
| Total deposits | $69,257,146 |
| Interest-bearing deposits | $68,522,217 |
| Deposits held in domestic offices | $69,257,146 |
| % insured (estimated) | $94 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $22,960,818 |
| Subordinated debt | $1,695,267 |
| All other liabilities | $3,227,688 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $87,459,200 |
| Loan and leases loss allowance | $3,038,993 |
| Total loans and leases (domestic) | $90,498,193 |
| All real estate loans | $762,724 |
| Real estate loans in domestic offices | $762,724 |
| Construction and development loans | $1,623 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $1,623 |
| Loans secured by nonfarm nonresidential properties | $0 |
| Nonfarm nonresidential secured by owner-occupied properties | $0 |
| Commercial real estate & other non-farm, non-residential | $0 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $761,101 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $142,655 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $89,550,615 |
| Credit card loans | $72,731,890 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $16,818,725 |
| All other loans & leases | $42,199 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $42,199 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,250,601 |
| Non 1-4 family restructured loans & leases | $2,250,511 |
| Total loans and leases (foreign) | $0 |
Discover Bank had $87,459,200,000 of loans outstanding in 2018. $762,724,000 of loans were in real estate loans. $1,623,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $761,101,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $72,731,890,000 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Commercial & Industrial, US addressed loans - <$1MM | 77,904 | $142,655 | $1,831 |
| Commercial & Industrial, US addressed loans - <$100k | 77,904 | $142,655 | $1,831 |