Flanagan State Bank in Missouri vs the state
15.8%Denial rate+0.69 pts vs state
18.7%Decision denial rate+0.01 pts vs state
68.5%Origination rate+5.81 pts vs state
6.63%Median rate0.00 pts vs state
0.92Rate spread (pts)+0.57 pts vs state
$65kMedian applicant income
278Loans originated
64Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 407 | 306 | 8.6% | 6.63% | #88 |
| 2024 | 377 | 285 | 8.5% | 6.75% | #105 |
| 2025 | 406 | 278 | 15.8% | 6.63% | #111 |
What Flanagan State Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 85 | 55 | 17 | 20.0% |
| Stoddard County | 51 | 40 | 4 | 7.8% |
| Buchanan County | 41 | 30 | 4 | 9.8% |
| Scott County | 40 | 32 | 6 | 15.0% |
| New Madrid County | 25 | 14 | 6 | 24.0% |
| Mississippi County | 23 | 19 | 3 | 13.0% |
| Cape Girardeau County | 19 | 10 | 4 | 21.1% |
| Ripley County | 17 | 9 | 3 | 17.6% |
| Nodaway County | 15 | 13 | 0 | 0.0% |
| Dunklin County | 15 | 11 | 3 | 20.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 406 applications in 2025, of which 278 were originated and 64 denied.
15.8% of all applications, or 18.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Flanagan State Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology