Flanagan State Bank in Indiana vs the state
9.3%Denial rate-7.31 pts vs state
11.5%Decision denial rate-8.65 pts vs state
70.4%Origination rate+8.12 pts vs state
6.63%Median rate-0.13 pts vs state
0.51Rate spread (pts)+0.15 pts vs state
$78kMedian applicant income
76Loans originated
10Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 91 | 7.6% | 6.75% | #226 |
| 2024 | 134 | 104 | 6.0% | 6.75% | #224 |
| 2025 | 108 | 76 | 9.3% | 6.63% | #262 |
What Flanagan State Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tippecanoe County | 25 | 18 | 1 | 4.0% |
| Lawrence County | 24 | 14 | 5 | 20.8% |
| Lake County | 17 | 11 | 2 | 11.8% |
| Clinton County | 6 | 4 | 0 | 0.0% |
| Carroll County | 5 | 5 | 0 | 0.0% |
| Monroe County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Cass County | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Jasper County | 2 | 1 | 1 | 50.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 108 applications in 2025, of which 76 were originated and 10 denied.
9.3% of all applications, or 11.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Flanagan State Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology