MARKET ENRICHMENT · FDIC · FEMA · CENSUS PUBLIC DATA
Market enrichment overlays
Three public, non-lending overlays on the same U.S. geography as the state mortgage markets: physical bank-branch presence and branch deserts, natural-hazard exposure, and local affordability. Read them alongside HMDA lending and denial disparity to see where credit, banking access, hazard risk, and cost of housing line up. Free — no account required.
OVERLAY 1 · BANK PRESENCE · FDIC SUMMARY OF DEPOSITS
Bank branches & branch deserts
The physical banking footprint of every FDIC-insured institution, rolled up to the state — the redlining companion to the fair-lending screening. Fewer branches per resident and thinner county coverage mark the branch deserts.
FDIC-insured branches · 2025
75,804
Branch-level insured deposits · 2025
$18.01T
Counties with a bank branch · 2025
3,105
Branch-desert counties · 2025
39
BRANCH-DESERT SIGNAL
Nevada is the least-banked state at 13.0 branches per 100k residents, versus 22.9 nationally. 39 of 3,144 U.S. counties have no FDIC-insured bank branch at all.
Branch footprint by state
Ranked by branch count · each row opens the state market profile
Largest branch networks
Top 12 states by branch count
OVERLAY 2 · NATURAL HAZARD · FEMA NATIONAL RISK INDEX
Natural-hazard exposure
FEMA's National Risk Index by state: the population-weighted composite risk score, total expected annual loss from 18 natural hazards, and the single largest-loss hazard — collateral-risk context for the same mortgage geography.
FEMA expected annual loss · U.S. total
$150.08B
Very-high-risk counties
17
Largest loss driver
Riverine flood
$65.27B / yr nationally
Hazard with the greatest national expected annual lossHighest-risk state
California
risk score 98.8 · $30.21B / yr
Population-weighted composite risk scoreHazard exposure by state
Ranked by expected annual loss · each row opens the state market profile
Largest loss drivers
National expected annual loss by hazard
OVERLAY 2B · LENDER HAZARD EXPOSURE · FEMA × HMDA
Who is originating in the risk
The same FEMA National Risk Index, weighted by where each lender actually originates. Both sides were already loaded and joined on 5-digit county FIPS; the weighting is origination COUNTS from the full reporter universe, because the only lender × county dollar table is capped at the top ten lenders per county.
Most hazard-exposed originators
Origination-weighted NRI composite score · 2025 · 2,500+ scored originations
Least hazard-exposed originators
Same floor, other end of the same distribution · 2025
The largest originators, ranked by book
Where the volume actually sits on the same scale · 2025
READ THE SCORE CORRECTLY. FEMA's composite is a RELATIVE index that blends expected annual loss with social vulnerability and community resilience — a high score means FEMA rates the county's natural-hazard risk highly against other counties, not that this book will lose money. The EAL/$1M column is the loss quantity, and it is carried separately for exactly that reason. Counties FEMA marks “Insufficient Data” (88 of 3,232) are excluded from the weighted score and reported in COVERAGE, so a lender concentrated in unscored geography reads as low coverage rather than as low risk.
OVERLAY 3 · AFFORDABILITY · CENSUS ACS
Local affordability
Census American Community Survey by state: median household income against median home value — a price-to-income affordability index — with owner-occupancy for tenure context.
Least affordable state
Hawaii
8.3× home value / income
Highest home-value-to-income ratioMost affordable state
Iowa
2.8× home value / income
Lowest home-value-to-income ratioAffordability by state · ACS 2024
Ranked by price-to-income · each row opens the state market profile
Attribution & methodology. Bank-presence figures are computed by MortRadar from the FDIC Summary of Deposits (survey year 2025); branches-per-100k and county coverage use the FEMA population and county counts as the denominators. Natural-hazard figures are from the FEMA National Risk Index (1.20.0 (December 2025)): the state risk score is population-weighted, expected annual loss is the sum across all 18 hazards, and the top hazard is the single largest-loss driver. Affordability figures are from the U.S. Census Bureau American Community Survey (ACS), 5-year estimates. All three are public U.S.-government data with no reuse restriction; MortRadar’s rollups are derived works and are not published, reviewed, or endorsed by the FDIC, FEMA, the Census Bureau, or any government agency. See data attribution.