Banking & Mortgage-Lending Access by State
FDIC BankFind records 27,836 FDIC-insured institutions across 56 states and territories. Select a state for its full lender count, charter-class breakdown, and FFIEC HMDA mortgage denial rates.
Sources: FDIC BankFind (src:fdic:bankfind:2026) · FFIEC HMDA 2024 (src:ffiec:hmda:2024). Informs and compares — no financial advice.
| State | FDIC institutions | Active | Denial rate (HMDA 2024) |
|---|---|---|---|
| Texas | 2,816 | 349 | 27.2% |
| Illinois | 1,925 | 328 | 24.1% |
| Florida | 1,589 | 83 | 30.4% |
| California | 1,287 | 117 | 26.2% |
| Ohio | 1,009 | 157 | 24.4% |
| Missouri | 1,000 | 195 | 20.6% |
| Minnesota | 929 | 224 | 17.5% |
| Georgia | 922 | 124 | 28.0% |
| Pennsylvania | 917 | 110 | 25.1% |
| Wisconsin | 849 | 154 | 17.8% |
| Iowa | 836 | 226 | 16.4% |
| Kansas | 803 | 186 | 20.1% |
| New York | 780 | 118 | 26.3% |
| Oklahoma | 695 | 170 | 24.8% |
| Colorado | 694 | 64 | 22.7% |
| New Jersey | 655 | 50 | 27.2% |
| Indiana | 632 | 89 | 22.3% |
| Tennessee | 607 | 109 | 23.8% |
| Virginia | 595 | 56 | 22.9% |
| Nebraska | 582 | 139 | 17.7% |
| Michigan | 557 | 73 | 25.1% |
| Kentucky | 549 | 120 | 26.0% |
| Louisiana | 547 | 105 | 31.9% |
| Massachusetts | 510 | 91 | 23.0% |
| Alabama | 499 | 93 | 27.7% |
| North Carolina | 453 | 38 | 25.0% |
| Arkansas | 396 | 78 | 26.6% |
| Maryland | 340 | 28 | 25.9% |
| Mississippi | 316 | 57 | 32.0% |
| Washington | 314 | 30 | 22.1% |
| West Virginia | 305 | 41 | 29.3% |
| South Carolina | 299 | 44 | 26.3% |
| Connecticut | 273 | 28 | 24.5% |
| South Dakota | 221 | 56 | 17.5% |
| Utah | 217 | 42 | 21.5% |
| Montana | 215 | 36 | 21.5% |
| North Dakota | 206 | 60 | 14.6% |
| Oregon | 189 | 14 | 21.8% |
| Arizona | 186 | 12 | 23.3% |
| New Hampshire | 178 | 17 | 23.8% |
| New Mexico | 170 | 29 | 27.0% |
| Wyoming | 149 | 24 | 21.7% |
| Maine | 114 | 22 | 21.7% |
| Delaware | 99 | 16 | 26.2% |
| Nevada | 85 | 15 | 25.0% |
| Idaho | 64 | 10 | 20.7% |
| Vermont | 63 | 12 | 20.1% |
| Rhode Island | 46 | 6 | 26.4% |
| Puerto Rico | 40 | 5 | 21.1% |
| District of Columbia | 37 | 4 | 26.1% |
| Hawaii | 36 | 6 | 30.9% |
| Alaska | 27 | 5 | 20.7% |
| U.S. Virgin Islands | 7 | 1 | 18.2% |
| Guam | 5 | 2 | 9.7% |
| AS | 1 | 0 | — |
| FM | 1 | 1 | — |