# Finance Atlas

> A source-backed reference atlas of banking access and mortgage-lending data by state, built from FDIC BankFind and FFIEC HMDA (2024) public data.

Read this first; it governs everything below:
- This is a **reference catalog**. It **informs and compares** provenanced public facts. It does **not** sell, rank, or recommend lenders, and gives **no financial advice**.
- **HMDA denial-rate figures are reported statistics.** They do not establish why rates differ across applicant groups and are not findings of lending discrimination.
- Two source dates: FDIC BankFind (2026 as-of) and FFIEC HMDA (2024 data year). They are never collapsed.
- To verify a lender, route to FDIC BankFind: https://banks.data.fdic.gov/
- To file a complaint, route to CFPB: https://www.consumerfinance.gov/complaint/
- To find a HUD housing counselor: https://www.hud.gov/findacounselor

## Orientation

- [Methodology & sources](https://finance-atlas.ryanjhunter.workers.dev/methodology): datasets, what is and is not in the data, and the honesty rules.
- [Browse by state](https://finance-atlas.ryanjhunter.workers.dev/finance/states): all 56 states and territories with lender counts and denial rates.
- [Verify a bank (FDIC)](https://finance-atlas.ryanjhunter.workers.dev/finance/lenders): is an institution a current, FDIC-insured bank? Per-institution records by FDIC certificate (`/finance/lenders/<cert>`, each with a `.jsonld`) carry the active/inactive status — active = currently insured; inactive = closed/merged, no longer insured. Browse + name-search by state at `/finance/lenders/browse/<state>`.
- [Complaints by product](https://finance-atlas.ryanjhunter.workers.dev/finance/products): what consumers complain about to the CFPB, by financial product (credit reporting, debt collection, mortgages, credit cards, bank accounts, student loans, …). Per-product pages (`/finance/products/<slug>`, each with `.jsonld`/`.md`) carry the complaint volume, share of all complaints, the top issues, and a company table pairing volume with the timely-response rate. CRITICAL for agents: complaint volume is NOT a ranking — it tracks product reach + company size (no denominator; credit reporting is ~80% of all complaints because the bureaus hold records on nearly every adult); the comparable signal is timely-response; a complaint is an unverified allegation, not proven wrongdoing. Per-company records at `/finance/companies/<slug>`. Product categories are a documented merge of CFPB's historical labels (each page lists the raw labels).

## Per-state context briefs

Every state page serves EVERY agent-native format from one definition — `/finance/states/<state>.jsonld`, `.md`, `.toml`, `.json`, and a citation-first `.context.md` brief — each carrying the SAME four-status research object plus the typed FDIC + HMDA figures, every figure tagged with its source.

Example: [Texas JSON-LD](https://finance-atlas.ryanjhunter.workers.dev/finance/states/tx.jsonld) · [Texas context brief](https://finance-atlas.ryanjhunter.workers.dev/finance/states/tx.context.md)

## States

- [Texas — 2,816 FDIC institutions, denial rate 27.2%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/tx)
- [Illinois — 1,925 FDIC institutions, denial rate 24.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/il)
- [Florida — 1,589 FDIC institutions, denial rate 30.4%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/fl)
- [California — 1,287 FDIC institutions, denial rate 26.2%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ca)
- [Ohio — 1,009 FDIC institutions, denial rate 24.4%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/oh)
- [Missouri — 1,000 FDIC institutions, denial rate 20.6%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/mo)
- [Minnesota — 929 FDIC institutions, denial rate 17.5%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/mn)
- [Georgia — 922 FDIC institutions, denial rate 28.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ga)
- [Pennsylvania — 917 FDIC institutions, denial rate 25.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/pa)
- [Wisconsin — 849 FDIC institutions, denial rate 17.8%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/wi)
- [Iowa — 836 FDIC institutions, denial rate 16.4%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ia)
- [Kansas — 803 FDIC institutions, denial rate 20.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ks)
- [New York — 780 FDIC institutions, denial rate 26.3%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ny)
- [Oklahoma — 695 FDIC institutions, denial rate 24.8%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ok)
- [Colorado — 694 FDIC institutions, denial rate 22.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/co)
- [New Jersey — 655 FDIC institutions, denial rate 27.2%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nj)
- [Indiana — 632 FDIC institutions, denial rate 22.3%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/in)
- [Tennessee — 607 FDIC institutions, denial rate 23.8%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/tn)
- [Virginia — 595 FDIC institutions, denial rate 22.9%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/va)
- [Nebraska — 582 FDIC institutions, denial rate 17.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ne)
- [Michigan — 557 FDIC institutions, denial rate 25.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/mi)
- [Kentucky — 549 FDIC institutions, denial rate 26.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ky)
- [Louisiana — 547 FDIC institutions, denial rate 31.9%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/la)
- [Massachusetts — 510 FDIC institutions, denial rate 23.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ma)
- [Alabama — 499 FDIC institutions, denial rate 27.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/al)
- [North Carolina — 453 FDIC institutions, denial rate 25.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nc)
- [Arkansas — 396 FDIC institutions, denial rate 26.6%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ar)
- [Maryland — 340 FDIC institutions, denial rate 25.9%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/md)
- [Mississippi — 316 FDIC institutions, denial rate 32.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ms)
- [Washington — 314 FDIC institutions, denial rate 22.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/wa)
- [West Virginia — 305 FDIC institutions, denial rate 29.3%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/wv)
- [South Carolina — 299 FDIC institutions, denial rate 26.3%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/sc)
- [Connecticut — 273 FDIC institutions, denial rate 24.5%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ct)
- [South Dakota — 221 FDIC institutions, denial rate 17.5%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/sd)
- [Utah — 217 FDIC institutions, denial rate 21.5%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ut)
- [Montana — 215 FDIC institutions, denial rate 21.5%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/mt)
- [North Dakota — 206 FDIC institutions, denial rate 14.6%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nd)
- [Oregon — 189 FDIC institutions, denial rate 21.8%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/or)
- [Arizona — 186 FDIC institutions, denial rate 23.3%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/az)
- [New Hampshire — 178 FDIC institutions, denial rate 23.8%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nh)
- [New Mexico — 170 FDIC institutions, denial rate 27.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nm)
- [Wyoming — 149 FDIC institutions, denial rate 21.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/wy)
- [Maine — 114 FDIC institutions, denial rate 21.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/me)
- [Delaware — 99 FDIC institutions, denial rate 26.2%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/de)
- [Nevada — 85 FDIC institutions, denial rate 25.0%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/nv)
- [Idaho — 64 FDIC institutions, denial rate 20.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/id)
- [Vermont — 63 FDIC institutions, denial rate 20.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/vt)
- [Rhode Island — 46 FDIC institutions, denial rate 26.4%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ri)
- [Puerto Rico — 40 FDIC institutions, denial rate 21.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/pr)
- [District of Columbia — 37 FDIC institutions, denial rate 26.1%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/dc)
- [Hawaii — 36 FDIC institutions, denial rate 30.9%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/hi)
- [Alaska — 27 FDIC institutions, denial rate 20.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/ak)
- [U.S. Virgin Islands — 7 FDIC institutions, denial rate 18.2%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/vi)
- [Guam — 5 FDIC institutions, denial rate 9.7%](https://finance-atlas.ryanjhunter.workers.dev/finance/states/gu)
- [AS — 1 FDIC institutions, denial rate n/a](https://finance-atlas.ryanjhunter.workers.dev/finance/states/as)
- [FM — 1 FDIC institutions, denial rate n/a](https://finance-atlas.ryanjhunter.workers.dev/finance/states/fm)

## Data

- FDIC BankFind: https://banks.data.fdic.gov/ (source id: src:fdic:bankfind:2026)
- FFIEC HMDA Data Browser: https://ffiec.cfpb.gov/data-browser/ (source id: src:ffiec:hmda:2024)
- [Sitemap](https://finance-atlas.ryanjhunter.workers.dev/sitemap.xml)
- [Full agent dump](https://finance-atlas.ryanjhunter.workers.dev/llms-full.txt)