Flanagan State Bank in Minnesota vs the state
14.8%Denial rate+1.21 pts vs state
16.0%Decision denial rate-0.35 pts vs state
77.8%Origination rate+11.41 pts vs state
6.50%Median rate-0.13 pts vs state
0.38Rate spread (pts)+0.13 pts vs state
$77kMedian applicant income
21Loans originated
4Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 9 | 0.0% | 6.63% | #459 |
| 2024 | 24 | 22 | 0.0% | 6.63% | #369 |
| 2025 | 27 | 21 | 14.8% | 6.50% | #360 |
What Flanagan State Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 14 | 11 | 1 | 7.1% |
| Cottonwood County | 2 | 2 | 0 | 0.0% |
| Watonwan County | 2 | 1 | 1 | 50.0% |
| Nobles County | 2 | 2 | 0 | 0.0% |
| Lyon County | 1 | 1 | 0 | 0.0% |
| Martin County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Faribault County | 1 | 1 | 0 | 0.0% |
| Murray County | 1 | 0 | 1 | 100.0% |
| Blue Earth County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 27 applications in 2025, of which 21 were originated and 4 denied.
14.8% of all applications, or 16.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Flanagan State Bank originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology