Flanagan State Bank in Arkansas vs the state
21.4%Denial rate+3.24 pts vs state
26.1%Decision denial rate+2.96 pts vs state
60.7%Origination rate+3.88 pts vs state
6.38%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.17 pts vs state
$54kMedian applicant income
17Loans originated
6Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 10 | 0.0% | 6.44% | #312 |
| 2024 | 21 | 16 | 9.5% | 5.81% | #265 |
| 2025 | 28 | 17 | 21.4% | 6.38% | #256 |
What Flanagan State Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hot Spring County | 17 | 13 | 3 | 17.6% |
| Clay County | 5 | 1 | 2 | 40.0% |
| Greene County | 3 | 2 | 0 | 0.0% |
| Garland County | 1 | 0 | 0 | 0.0% |
| Saline County | 1 | 0 | 1 | 100.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 28 applications in 2025, of which 17 were originated and 6 denied.
21.4% of all applications, or 26.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Flanagan State Bank originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology