Finance Atlas

Banking & Mortgage-Lending Access in California

1,287 FDIC-insured institutions (117 currently active) are recorded in California in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 26.2% in California.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

1,287
FDIC institutions (total)
117
Currently active
26.2%
Overall denial rate (HMDA 2024)
509,170
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in California?

FDIC BankFind records 1,287 FDIC-insured institutions (all historical) in California, of which 117 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 1,287
Currently active 117

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in California?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for California:

Charter class Description Count
NM State non-member bank (Fed non-member) 501
SL Savings institution (state-chartered S&L) 272
N National bank (OCC-chartered) 271
SM State member bank (Fed member) 117
SB Savings bank (state-chartered) 103
NC Non-deposit trust company 14
NS Non-member savings bank (state-chartered) 5
OI Other insured institution 4

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in California? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 26.2% in California. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 26.2%
White applicants 24.7%
Black applicants 35.9%
Black/White denial rate ratio 1.45x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA

Mortgage origination volume in California (2024)

HMDA 2024 data record 509,170 originated mortgage loans in California , totaling $288.4B , with an average loan size of $566,334.

Metric Value
Originated loans (2024) 509,170
Total origination volume $288.4B
Average loan size $566,334

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA

Data exported June 20, 2026 · content hash 827fdbe2bc55bfb5 · machine-readable brief: /finance/states/ca/context.md

Where to act