Flanagan State Bank mortgage approval rate & lending review
Flanagan State Bank decided 1,374 mortgage applications and funded 1,185 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Flanagan State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Flanagan State Bank at a glance
Approval is 3.5 points above the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 889 / 973 | 99% | $185K | 879 |
| Cash-out refinance | 73% | 127 / 175 | 98% | $145K | 125 |
| Refinance | 77% | 102 / 133 | 99% | $225K | 101 |
| Investment property purchase | 91% | 60 / 66 | 98% | $135K | 59 |
Flanagan State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 88% | $165K | 576 | 501 |
| Pennsylvania | 86% | $185K | 270 | 229 |
| Indiana | 91% | $195K | 119 | 107 |
| Texas | 71% | $265K | 80 | 57 |
| Montana | 97% | $465K | 62 | 60 |
| Iowa | 89% | $165K | 56 | 50 |
| Missouri | 95% | $215K | 40 | 38 |
| Colorado | 94% | $345K | 34 | 31 |
| California | 71% | $475K | 24 | 16 |
| South Dakota | 90% | $235K | 20 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Flanagan State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berks County, PA | Mortgage lenders | 90% | 215 | 191 |
| McLean County, IL | Mortgage lenders | 99% | 67 | 66 |
| Tippecanoe County, IN | Mortgage lenders | 95% | 62 | 58 |
| Rock Island County, IL | Mortgage lenders | 88% | 51 | 45 |
| Kankakee County, IL | Mortgage lenders | 90% | 49 | 44 |
| McLean County, IL | Cash-out refinance | 91% | 47 | 42 |
| Gallatin County, MT | Mortgage lenders | 100% | 41 | 41 |
| Scott County, IA | Mortgage lenders | 91% | 34 | 31 |
| Will County, IL | Refinance | 88% | 33 | 28 |
| Tazewell County, IL | Mortgage lenders | 96% | 26 | 25 |
| Will County, IL | Cash-out refinance | 74% | 35 | 25 |
| Ector County, TX | Mortgage lenders | 80% | 25 | 20 |
The county markets where Flanagan State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Flanagan State Bank
What is Flanagan State Bank's mortgage approval rate?
Flanagan State Bank approved 87.3% of the 1,374 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.5 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Flanagan State Bank offers?
Borrowers accepted 99% of the loans Flanagan State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Flanagan State Bank make?
The typical home purchase mortgage loan Flanagan State Bank made was $185K; across all loan types its typical loan ran from $135K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Flanagan State Bank lend?
Flanagan State Bank decided applications in 30 of the states Fat Boy Data covers, most of them in Illinois, Pennsylvania and Indiana.
Can I apply to Flanagan State Bank directly?
Yes. Flanagan State Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Flanagan State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Flanagan State Bank treats applications, then get a rate quote from the lender.