Flanagan State Bank in California vs the state
15.8%Denial rate-1.63 pts vs state
33.3%Decision denial rate+10.93 pts vs state
31.6%Origination rate-24.62 pts vs state
7.04%Median rate+0.41 pts vs state
0.75Rate spread (pts)+0.48 pts vs state
$152kMedian applicant income
6Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 26 | 9 | 23.1% | 7.13% | #605 |
| 2025 | 19 | 6 | 15.8% | 7.04% | #647 |
What Flanagan State Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 12 | 4 | 1 | 8.3% |
| Napa County | 2 | 1 | 1 | 50.0% |
| San Joaquin County | 1 | 1 | 0 | 0.0% |
| Calaveras County | 1 | 0 | 1 | 100.0% |
| Placer County | 1 | 0 | 0 | 0.0% |
| San Bernardino County | 1 | 0 | 0 | 0.0% |
| Fresno County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 19 applications in 2025, of which 6 were originated and 3 denied.
15.8% of all applications, or 33.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Flanagan State Bank originated in California in 2025 was 7.04%, against a statewide median of 6.63%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology