name = "Atlas Commons research objects — banking & mortgage lending for Maryland"
description = "Maryland'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."
license = "CC0-1.0"
jsonld = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md.jsonld"

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/fdic-lenders"
warrant = "RECORDED"
name = "340 FDIC-insured institutions (28 active) are recorded in Maryland"
text = "FDIC BankFind records 340 FDIC-insured institutions historically associated with Maryland, of which 28 are currently active. A re-tally of FDIC records."
source = "FDIC BankFind"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/bank-class-distribution"
warrant = "RECORDED"
name = "FDIC institution counts by bank class in Maryland: NM 113, SB 77, N 54, SL 50, SM 37, SI 7, NS 1, NC 1"
text = "Counts of institutions by FDIC bank class: NM 113, SB 77, N 54, SL 50, SM 37, SI 7, NS 1, NC 1. A count per FDIC-defined class."
source = "FDIC BankFind"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/mortgage-originations"
warrant = "RECORDED"
name = "116,805 mortgages totaling $40.6B were originated in Maryland (2024, HMDA)"
text = "HMDA records 116,805 originated mortgages totaling $40,590,695,000 in Maryland for 2024. A re-tally of reported loan originations."
source = "FFIEC HMDA (2024)"
sourceUrl = "https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD"
falsifier = "A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/denial-rates"
warrant = "RECORDED"
name = "HMDA mortgage denial rate in Maryland (2024) is 25.86% (White 20.53%, Black 34.32%)"
text = "The HMDA-reported mortgage application denial rate for Maryland in 2024 is 25.86%, by applicant race: White 20.53%, Black 34.32%. FFIEC publishes these demographic denial rates from reported loan records."
source = "FFIEC HMDA (2024)"
sourceUrl = "https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD"
falsifier = "A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/black-white-denial-disparity"
warrant = "DERIVED"
name = "Black applicants were denied mortgages 1.67× as often as White applicants in Maryland (2024) — a raw derived ratio"
text = "Dividing the Black denial rate (34.32%) by the White denial rate (20.53%) gives a raw disparity of 1.672× in Maryland 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)"
sourceUrl = "https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD"
falsifier = "occurred=FALSE (a constructed ratio, not an event) and adjudged=FALSE (the atlas's calculation, NOT an FFIEC/CFPB finding of discrimination). Reproduce: 34.32% ÷ 20.53% = 1.672×. 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."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/avg-loan-size"
warrant = "DERIVED"
name = "Average originated mortgage size in Maryland (2024) is $347,508 — a computed mean"
text = "Dividing total origination volume by the originated count yields a mean loan size of $347,508 in Maryland for 2024. A computed mean, not a published HMDA figure."
source = "Finance Atlas — derived mean (origination volume ÷ originated count, HMDA)"
sourceUrl = "https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD"
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."

[[claims]]
id = "https://finance-atlas.ryanjhunter.workers.dev/finance/states/md/boundary"
warrant = "INTERPRETATION"
name = "What these finance figures are — and are NOT — for Maryland (the epistemic boundary)"
text = "The figures above describe FDIC-insured institutions and HMDA-reported mortgage lending for Maryland. 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)"
sourceUrl = "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."

[[lendingFigures]]
figure = "FDIC-insured institutions (total, historical)"
value = 340
warrant = "RECORDED"
source = "FDIC BankFind"

[[lendingFigures]]
figure = "FDIC-insured institutions (active)"
value = 28
warrant = "RECORDED"
source = "FDIC BankFind"

[[lendingFigures]]
figure = "Mortgages originated"
value = 116805
warrant = "RECORDED"
source = "FFIEC HMDA (2024)"

[[lendingFigures]]
figure = "Mortgage origination volume (USD)"
value = 40590695000
warrant = "RECORDED"
source = "FFIEC HMDA (2024)"

[[lendingFigures]]
figure = "Mortgage denial rate (overall)"
value = "25.86%"
warrant = "RECORDED"
source = "FFIEC HMDA (2024)"

[[lendingFigures]]
figure = "Mortgage denial rate (White applicants)"
value = "20.53%"
warrant = "RECORDED"
source = "FFIEC HMDA (2024)"

[[lendingFigures]]
figure = "Mortgage denial rate (Black applicants)"
value = "34.32%"
warrant = "RECORDED"
source = "FFIEC HMDA (2024)"

[[lendingFigures]]
figure = "Black/White denial disparity (raw, not risk-adjusted)"
value = "1.67×"
warrant = "DERIVED"
source = "Finance Atlas — Black denial rate ÷ White denial rate (HMDA)"

[[lendingFigures]]
figure = "Average originated mortgage size (USD, computed mean)"
value = 347508
warrant = "DERIVED"
source = "Finance Atlas — origination volume ÷ originated count (HMDA)"

[[bankClasses]]
bank_class = "NM"
institutions = 113

[[bankClasses]]
bank_class = "SB"
institutions = 77

[[bankClasses]]
bank_class = "N"
institutions = 54

[[bankClasses]]
bank_class = "SL"
institutions = 50

[[bankClasses]]
bank_class = "SM"
institutions = 37

[[bankClasses]]
bank_class = "SI"
institutions = 7

[[bankClasses]]
bank_class = "NS"
institutions = 1

[[bankClasses]]
bank_class = "NC"
institutions = 1
