Flanagan State Bank in Colorado vs the state
13.6%Denial rate-1.99 pts vs state
17.3%Decision denial rate-2.35 pts vs state
65.2%Origination rate+5.13 pts vs state
6.50%Median rate-0.13 pts vs state
0.29Rate spread (pts)+0.14 pts vs state
$106kMedian applicant income
43Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 37 | 21.4% | 6.75% | #245 |
| 2024 | 55 | 36 | 7.3% | 6.75% | #277 |
| 2025 | 66 | 43 | 13.6% | 6.50% | #273 |
What Flanagan State Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| La Plata County | 31 | 24 | 5 | 16.1% |
| Mesa County | 10 | 4 | 0 | 0.0% |
| Montrose County | 5 | 2 | 2 | 40.0% |
| Montezuma County | 5 | 4 | 0 | 0.0% |
| Otero County | 4 | 3 | 1 | 25.0% |
| Gunnison County | 3 | 2 | 0 | 0.0% |
| Ouray County | 2 | 2 | 0 | 0.0% |
| Bent County | 2 | 1 | 0 | 0.0% |
| Larimer County | 2 | 1 | 0 | 0.0% |
| San Juan County | 1 | 0 | 1 | 100.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 66 applications in 2025, of which 43 were originated and 9 denied.
13.6% of all applications, or 17.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Flanagan State Bank originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology