Flanagan State Bank in Iowa vs the state
6.3%Denial rate-6.53 pts vs state
7.8%Decision denial rate-7.54 pts vs state
74.3%Origination rate+5.80 pts vs state
6.63%Median rate+0.13 pts vs state
0.64Rate spread (pts)+0.45 pts vs state
$65kMedian applicant income
176Loans originated
15Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 169 | 7.8% | 6.63% | #88 |
| 2024 | 215 | 161 | 10.7% | 6.75% | #90 |
| 2025 | 237 | 176 | 6.3% | 6.63% | #89 |
What Flanagan State Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mills County | 50 | 41 | 2 | 4.0% |
| Kossuth County | 27 | 22 | 2 | 7.4% |
| Scott County | 22 | 14 | 2 | 9.1% |
| Clay County | 16 | 9 | 2 | 12.5% |
| Palo Alto County | 10 | 6 | 0 | 0.0% |
| Buena Vista County | 9 | 8 | 0 | 0.0% |
| Hancock County | 8 | 4 | 2 | 25.0% |
| Cherokee County | 7 | 6 | 1 | 14.3% |
| Cerro Gordo County | 7 | 4 | 1 | 14.3% |
| Clayton County | 6 | 4 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 237 applications in 2025, of which 176 were originated and 15 denied.
6.3% of all applications, or 7.8% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Flanagan State Bank originated in Iowa in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology