--- title: Atlas Commons research objects — banking & mortgage lending for Ohio license: CC0-1.0 source: FDIC BankFind --- # Atlas Commons research objects — banking & mortgage lending for Ohio Ohio'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 ### 1,009 FDIC-insured institutions (157 active) are recorded in Ohio **RECORDED.** FDIC BankFind records 1,009 FDIC-insured institutions historically associated with Ohio, of which 157 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— https://banks.data.fdic.gov/ Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release.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 Ohio: N 273, NM 241, SL 228, SM 147, SB 84, SI 32, NC 3, NS 1 **RECORDED.** Counts of institutions by FDIC bank class: N 273, NM 241, SL 228, SM 147, SB 84, SI 32, NC 3, NS 1. 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— https://banks.data.fdic.gov/ Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release. ### 246,113 mortgages totaling $53.8B were originated in Ohio (2024, HMDA) **RECORDED.** HMDA records 246,113 originated mortgages totaling $53,759,385,000 in Ohio for 2024. A re-tally of reported loan originations. Source: FFIEC HMDA (2024) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=OH Falsifier: A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release.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 Ohio (2024) is 24.42% (White 22.39%, Black 37.32%) **RECORDED.** The HMDA-reported mortgage application denial rate for Ohio in 2024 is 24.42%, by applicant race: White 22.39%, Black 37.32%. 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=OH 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 1.67× as often as White applicants in Ohio (2024) — a raw derived ratio **DERIVED.** Dividing the Black denial rate (37.32%) by the White denial rate (22.39%) gives a raw disparity of 1.667× in Ohio 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=OH Falsifier: occurred=FALSE (a constructed ratio, not an event) and adjudged=FALSE (the atlas's calculation, NOT an FFIEC/CFPB finding of discrimination). Reproduce: 37.32% ÷ 22.39% = 1.667×. 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 Ohio (2024) is $218,434 — a computed mean **DERIVED.** Dividing total origination volume by the originated count yields a mean loan size of $218,434 in Ohio 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=OH 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 Ohio (the epistemic boundary) **INTERPRETATION.** The figures above describe FDIC-insured institutions and HMDA-reported mortgage lending for Ohio. 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/oh.jsonld` ## Data ### Ohio — 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) | 1009 | RECORDED | FDIC BankFind | | FDIC-insured institutions (active) | 157 | RECORDED | FDIC BankFind | | Mortgages originated | 246113 | RECORDED | FFIEC HMDA (2024) | | Mortgage origination volume (USD) | 53759385000 | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (overall) | 24.42% | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (White applicants) | 22.39% | RECORDED | FFIEC HMDA (2024) | | Mortgage denial rate (Black applicants) | 37.32% | RECORDED | FFIEC HMDA (2024) | | Black/White denial disparity (raw, not risk-adjusted) | 1.67× | DERIVED | Finance Atlas — Black denial rate ÷ White denial rate (HMDA) | | Average originated mortgage size (USD, computed mean) | 218434 | DERIVED | Finance Atlas — origination volume ÷ originated count (HMDA) | ### Ohio — 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 | | --- | --- | | N | 273 | | NM | 241 | | SL | 228 | | SM | 147 | | SB | 84 | | SI | 32 | | NC | 3 | | NS | 1 |