Flanagan State Bank in Wyoming vs the state
25.9%Denial rate+10.37 pts vs state
33.3%Decision denial rate+13.74 pts vs state
51.9%Origination rate-9.16 pts vs state
6.69%Median rate+0.19 pts vs state
0.54Rate spread (pts)+0.31 pts vs state
$89kMedian applicant income
14Loans originated
7Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 24 | 12.5% | 6.63% | #83 |
| 2024 | 23 | 16 | 13.0% | 6.75% | #95 |
| 2025 | 27 | 14 | 25.9% | 6.69% | #92 |
What Flanagan State Bank lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Flanagan State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sweetwater County | 18 | 12 | 4 | 22.2% |
| Washakie County | 3 | 1 | 1 | 33.3% |
| Campbell County | 2 | 0 | 1 | 50.0% |
| Goshen County | 1 | 1 | 0 | 0.0% |
| Uinta County | 1 | 0 | 0 | 0.0% |
| Fremont County | 1 | 0 | 1 | 100.0% |
| Sublette County | 1 | 0 | 0 | 0.0% |
Other large lenders in Wyoming
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 1,567 | 17.1% | 6.50% |
| United Shore Financial Services | B | 1,281 | 8.7% | 6.12% |
| Fairway Independent Mortgage | B | 1,106 | 4.2% | 6.49% |
| Guild Mortgage | A | 961 | 4.5% | 6.38% |
| Glacier Bank | D | 856 | 15.9% | 6.95% |
| Mortgage Research Center | C | 599 | 16.9% | 6.25% |
| Uniwyo Federal Credit Union | C | 541 | 15.2% | 7.50% |
| Meridian Trust Federal Credit Union | B | 525 | 18.3% | 6.50% |
| Freedom Mortgage | B | 512 | 11.1% | 6.19% |
| First Interstate Bank | D | 510 | 23.5% | 8.13% |
Frequently asked questions
Wyoming: 27 applications in 2025, of which 14 were originated and 7 denied.
25.9% of all applications, or 33.3% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Flanagan State Bank originated in Wyoming in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Flanagan State Bank's own HMDA filing for properties located in Wyoming, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology