Flanagan State Bank in Montana vs the state
9.6%Denial rate-5.20 pts vs state
13.9%Decision denial rate-4.81 pts vs state
59.6%Origination rate-2.36 pts vs state
6.88%Median rate+0.25 pts vs state
0.53Rate spread (pts)+0.29 pts vs state
$140kMedian applicant income
31Loans originated
5Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 38 | 5.7% | 6.63% | #75 |
| 2024 | 41 | 29 | 9.8% | 7.00% | #96 |
| 2025 | 52 | 31 | 9.6% | 6.88% | #92 |
What Flanagan State Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 27 | 19 | 0 | 0.0% |
| Flathead County | 5 | 2 | 1 | 20.0% |
| Lewis and Clark County | 4 | 1 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 2 | 50.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Lincoln County | 2 | 0 | 0 | 0.0% |
| Park County | 2 | 1 | 0 | 0.0% |
| Silver Bow County | 2 | 1 | 1 | 50.0% |
| Yellowstone County | 1 | 1 | 0 | 0.0% |
| Sanders County | 1 | 1 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 52 applications in 2025, of which 31 were originated and 5 denied.
9.6% of all applications, or 13.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Flanagan State Bank originated in Montana in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology