Flanagan State Bank in Illinois vs the state
9.3%Denial rate-7.85 pts vs state
11.2%Decision denial rate-10.50 pts vs state
72.4%Origination rate+13.70 pts vs state
6.75%Median rate0.00 pts vs state
0.43Rate spread (pts)+0.05 pts vs state
$92kMedian applicant income
297Loans originated
38Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 382 | 272 | 12.6% | 7.13% | #135 |
| 2024 | 409 | 291 | 8.1% | 6.88% | #139 |
| 2025 | 410 | 297 | 9.3% | 6.75% | #149 |
What Flanagan State Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Will County | 75 | 52 | 4 | 5.3% |
| McLean County | 67 | 53 | 1 | 1.5% |
| Woodford County | 36 | 29 | 2 | 5.6% |
| Livingston County | 31 | 25 | 1 | 3.2% |
| Kankakee County | 25 | 19 | 2 | 8.0% |
| Cook County | 21 | 7 | 7 | 33.3% |
| McDonough County | 19 | 13 | 2 | 10.5% |
| Rock Island County | 14 | 11 | 0 | 0.0% |
| Tazewell County | 11 | 10 | 0 | 0.0% |
| LaSalle County | 10 | 7 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 410 applications in 2025, of which 297 were originated and 38 denied.
9.3% of all applications, or 11.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Flanagan State Bank originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology