Flanagan State Bank in Pennsylvania vs the state
11.0%Denial rate-7.27 pts vs state
12.6%Decision denial rate-9.60 pts vs state
76.4%Origination rate+15.42 pts vs state
6.63%Median rate0.00 pts vs state
0.96Rate spread (pts)+0.72 pts vs state
$56kMedian applicant income
97Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 55 | 13.7% | 6.63% | #415 |
| 2024 | 106 | 80 | 14.2% | 6.75% | #360 |
| 2025 | 127 | 97 | 11.0% | 6.63% | #346 |
What Flanagan State Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 105 | 83 | 10 | 9.5% |
| Lackawanna County | 4 | 3 | 0 | 0.0% |
| Luzerne County | 4 | 2 | 0 | 0.0% |
| Schuylkill County | 4 | 3 | 1 | 25.0% |
| Philadelphia County | 3 | 2 | 1 | 33.3% |
| Blair County | 2 | 1 | 1 | 50.0% |
| Lehigh County | 2 | 1 | 0 | 0.0% |
| Northumberland County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 127 applications in 2025, of which 97 were originated and 14 denied.
11.0% of all applications, or 12.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Flanagan State Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology