Median rate spread
Not availableAPR relative to the prime offer benchmarkMiddle 50%: Not available to Not available pp
Discover Bank
Vermont, Delaware, Rhode Island, Wyoming coverage. Historical results, not current mortgage offers.
Coverage: Vermont, Delaware, Rhode Island, Wyoming. These are actual public HMDA records. Results apply to the geography stated here, not the whole country.
Key facts
In 2025, Discover Bank reported 5 eligible mortgage originations in Vermont, Delaware, Rhode Island, Wyoming. There are not enough reported rate spreads to publish pricing statistics. The denial rate was 86.1% of originated and denied applications.
Source: FFIEC HMDA 2025 snapshot, selected states. Retrieved 2026-09-11, September 11, 2026. Methodology · Sources.
Explore Vermont, Delaware, Rhode Island, Wyoming mortgages
Public HMDA records2025 · All loan types · All purposes
Median interest rate
Not availableThe interest rate before feesAnnual figure · 2025 loans only
Application denial rate
86.1%Denied ÷ originated and denied applications36 eligible applications
Originated mortgages
5Owner-occupied, first-lien mortgages0.0% missing rate spread
What borrowers paid
There are fewer than 30 loans with reported pricing. The distribution is not published.
Rate spread in percentage points. Bars show the number of originated loans.
| Spread interval (pp) | Loans |
|---|---|
| Below -1.0 | 0 |
| -1.0 to -0.8 | 0 |
| -0.8 to -0.6 | 0 |
| -0.6 to -0.4 | 0 |
| -0.4 to -0.2 | 0 |
| -0.2 to 0.0 | 0 |
| 0.0 to 0.2 | 0 |
| 0.2 to 0.4 | 0 |
| 0.4 to 0.6 | 0 |
| 0.6 to 0.8 | 0 |
| 0.8 to 1.0 | 0 |
| 1.0 to 1.2 | 0 |
| 1.2 to 1.4 | 0 |
| 1.4 to 1.6 | 0 |
| 1.6 to 1.8 | 0 |
| 1.8 to 2.0 | 0 |
| 2.0 to 2.2 | 0 |
| 2.2 to 2.4 | 0 |
| 2.4 to 2.6 | 0 |
| 2.6 to 2.8 | 0 |
| 2.8 to 3.0 | 0 |
| +3.0 and above | 0 |
Points, credits and closing costs
- Share paying discount points
- Not available
- Median points among payers
- Not available of loan amount
- Share receiving lender credits
- Not available
- Median total loan costs
- Not available
- Median costs as share of loan
- Not available
- Median loan amount
- Not available
- Median property value
- Not available
Metrics use reported values only. Missing or exempt values are excluded; fields with fewer than 30 observations are not published.
Application denials
31 denied applications out of 36 originated and denied applications in 2025.
There are not enough observations to publish individual denial reasons.
An application can have multiple denial reasons. Each reason is counted once per application, so shares may add to more than 100%.
Compared with national pricing
A matching national dataset has not been loaded. No national comparison is shown.
By loan type
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Conventional | 5 | Not available | Not available | 86.1% |
By loan purpose
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Refinance | 4 | Not available | Not available | 87.1% |
By loan size
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|
Not enough data is available to publish this breakdown.
Conforming and jumbo
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Conforming | 5 | Not available | Not available | 86.1% |
Year-over-year view
| Data year | Originations | Median spread | Denial rate |
|---|---|---|---|
| 2024 | 21 | Not available | 78.3% |
| 2025 | 5 | Not available | 86.1% |
All years cover Vermont, Delaware, Rhode Island, Wyoming. Changes in loan and borrower mix affect comparisons.
Combined loan-to-value
Not enough data is available to publish every bucket safely.
Debt-to-income ratio
Not enough data is available to publish every bucket safely.
Frequently asked questions
Are these current mortgage offers?
No. These records describe mortgages reported for 2025. Ask lenders for current Loan Estimates.
Does this include a credit score?
No. Public HMDA data does not include the borrower’s credit score.
Can I use this to choose a lender?
Use the distribution as context. Compare loan terms, fees and your own offers. Borrower mix, timing and products affect every lender comparison.