Flanagan State Bank in Texas vs the state
17.2%Denial rate-2.24 pts vs state
30.6%Decision denial rate+5.66 pts vs state
39.1%Origination rate-15.82 pts vs state
6.63%Median rate+0.13 pts vs state
0.49Rate spread (pts)+0.30 pts vs state
$106kMedian applicant income
25Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 7.19% | #1,119 |
| 2024 | 68 | 37 | 25.0% | 6.50% | #627 |
| 2025 | 64 | 25 | 17.2% | 6.63% | #656 |
What Flanagan State Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ector County | 31 | 8 | 4 | 12.9% |
| Midland County | 8 | 3 | 3 | 37.5% |
| Harris County | 5 | 4 | 0 | 0.0% |
| Galveston County | 2 | 1 | 1 | 50.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Collin County | 2 | 2 | 0 | 0.0% |
| Parker County | 2 | 0 | 0 | 0.0% |
| Howard County | 2 | 1 | 1 | 50.0% |
| Llano County | 1 | 1 | 0 | 0.0% |
| Val Verde County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 64 applications in 2025, of which 25 were originated and 11 denied.
17.2% of all applications, or 30.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Flanagan State Bank originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology