--- title: Atlas Commons research objects — banking & mortgage lending for California license: CC0-1.0 source: FDIC BankFind --- # Atlas Commons research objects — banking & mortgage lending for California California's banking and mortgage-lending from FDIC BankFind + FFIEC HMDA, with each figure's status labeled: the FDIC institution counts, HMDA origination volumes, and HMDA-published demographic denial rates are measured facts; the computed ratios — the RAW Black/White denial disparity and the mean loan size — are in-house calculations, and the disparity is NOT risk-adjusted and NOT a finding of discrimination (its falsifier says so plainly); the boundary note is context. The raw disparity is labeled computed, never an official fact — that distinction is the whole point of this surface. Source: FDIC BankFind + FFIEC HMDA. CC0. ## Claims ### 1,287 FDIC-insured institutions (117 active) are recorded in California **RECORDED.** FDIC BankFind records 1,287 FDIC-insured institutions historically associated with California, of which 117 are currently active. A re-tally of FDIC records. Source: FDIC BankFind — https://banks.data.fdic.gov/ Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release. ### FDIC institution counts by bank class in California: NM 501, SL 272, N 271, SM 117, SB 103, NC 14, NS 5, OI 4 **RECORDED.** Counts of institutions by FDIC bank class: NM 501, SL 272, N 271, SM 117, SB 103, NC 14, NS 5, OI 4. A count per FDIC-defined class. Source: FDIC BankFind — https://banks.data.fdic.gov/ Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release. ### 509,170 mortgages totaling $288.4B were originated in California (2024, HMDA) **RECORDED.** HMDA records 509,170 originated mortgages totaling $288,360,030,000 in California for 2024. A re-tally of reported loan originations. Source: FFIEC HMDA (2024) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA Falsifier: A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release. ### HMDA mortgage denial rate in California (2024) is 26.16% (White 24.72%, Black 35.92%) **RECORDED.** The HMDA-reported mortgage application denial rate for California in 2024 is 26.16%, by applicant race: White 24.72%, Black 35.92%. FFIEC publishes these demographic denial rates from reported loan records. Source: FFIEC HMDA (2024) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA Falsifier: A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release. ### Black applicants were denied mortgages 1.45× as often as White applicants in California (2024) — a raw derived ratio **DERIVED.** Dividing the Black denial rate (35.92%) by the White denial rate (24.72%) gives a raw disparity of 1.453× in California for 2024. This is a RAW ratio of two published rates — it is NOT risk-adjusted for income, credit history, loan-to-value, or property, and FFIEC does not publish it as a finding. Source: Finance Atlas — derived disparity ratio (Black denial rate ÷ White denial rate, both HMDA) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA Falsifier: occurred=FALSE (a constructed ratio, not an event) and adjudged=FALSE (the atlas's calculation, NOT an FFIEC/CFPB finding of discrimination). Reproduce: 35.92% ÷ 24.72% = 1.453×. CRUCIAL SCOPE: a raw denial-rate gap is NOT evidence of illegal discrimination — it does not control for income, credit, LTV, or loan type; a fair-lending conclusion requires a controlled analysis this ratio does not perform. ### Average originated mortgage size in California (2024) is $566,334 — a computed mean **DERIVED.** Dividing total origination volume by the originated count yields a mean loan size of $566,334 in California for 2024. A computed mean, not a published HMDA figure. Source: Finance Atlas — derived mean (origination volume ÷ originated count, HMDA) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CA Falsifier: occurred=FALSE (a calculation, not an event) and adjudged=FALSE (a transparent in-house formula, not an authority's verdict — no external adjudicator). Reproduce it from its named inputs; falsified if the formula or inputs are wrong. Lower warrant than the adjudged figures above. ### What these finance figures are — and are NOT — for California (the epistemic boundary) **INTERPRETATION.** The figures above describe FDIC-insured institutions and HMDA-reported mortgage lending for California. They are NOT a verdict on any lender, NOT evidence of illegal discrimination (the denial disparity is a raw, unadjusted ratio), and NOT advice on your own loan. If you believe you faced lending discrimination, file with the CFPB (consumerfinance.gov/complaint) or find a HUD-approved counselor; for the underlying records, use the FFIEC HMDA data browser and FDIC BankFind. Source: Finance Atlas framing (over the FDIC/HMDA facts above) — https://finance-atlas.ryanjhunter.workers.dev/ Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not an FFIEC/FDIC verdict) — the LOWEST-warrant claim here. The figures above are FDIC/HMDA records plus two disclosed derived ratios; the four-status labels each, and this is the only interpretation. --- Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://finance-atlas.ryanjhunter.workers.dev/finance/states/ca.jsonld` ## Data ### California — every banking & mortgage-lending figure (typed) Each official figure for this state with its four-status warrant and named source. RECORDED = a published FDIC/HMDA total or rate; DERIVED = an in-house ratio over published rates (the disparity is NOT risk-adjusted and NOT a finding of discrimination). | figure | value | warrant | source | | --- | --- | --- | --- | | FDIC-insured institutions (total, historical) | 1287 | RECORDED | FDIC BankFind | | FDIC-insured institutions (active) | 117 | RECORDED | FDIC BankFind | | Mortgages originated | 509170 | RECORDED | FFIEC HMDA (2024) | | Mortgage origination volume (USD) | 288360030000 | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (overall) | 26.16% | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (White applicants) | 24.72% | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (Black applicants) | 35.92% | RECORDED | FFIEC HMDA (2024) | | Black/White denial disparity (raw, not risk-adjusted) | 1.45× | DERIVED | Finance Atlas — Black denial rate ÷ White denial rate (HMDA) | | Average originated mortgage size (USD, computed mean) | 566334 | DERIVED | Finance Atlas — origination volume ÷ originated count (HMDA) | ### California — FDIC institutions by bank class (RECORDED) RECORDED counts of FDIC-insured institutions historically associated with the state, by FDIC-defined bank class (NM = state nonmember, N = national, SM = state member, SB = savings bank, SL = savings & loan, …). | bank_class | institutions | | --- | --- | | NM | 501 | | SL | 272 | | N | 271 | | SM | 117 | | SB | 103 | | NC | 14 | | NS | 5 | | OI | 4 |