Lender in Illinois · HMDA 2025
Flanagan State Bank mortgages in Illinois
Flanagan State Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Flanagan State Bank originated 255 owner-occupied single-family loans in Illinois from 292 completed applications.
Its median conventional purchase loan costs were $2,860 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
255
of 292 applications
Denial rate
12.2%
Purchase · IL 9.2%
Rate spread
+0.52 pts
Conv. · IL +0.27 pts
Loan amount
$155,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 197 | 172 | 12.2% | 6.875% | +0.52 pts | $2,860 | $155,000 |
| Refinance | 59 | 53 | 8.5% | 6.125% | +0.03 pts | $2,180 | $235,000 |
| Cash-out refinance | 36 | 30 | 13.9% | — | +0.58 pts | $2,340 | $95,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Flanagan State Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alexander County | 4 | 1 | 6.7% |
| Livingston County | 5 | 20 | 3.9% |
| McDonough County | 5 | 13 | 5.9% |
| Woodford County | 7 | 23 | 4.4% |
| Fulton County | 14 | 4 | 1.1% |
| McLean County | 15 | 39 | 1.8% |
| Kankakee County | 17 | 18 | 1.4% |
| Whiteside County | 17 | 6 | 1.1% |
| Massac County | 17 | 1 | 0.7% |
| Carroll County | 18 | 2 | 1.5% |
| De Witt County | 20 | 2 | 1.0% |
| Warren County | 20 | 1 | 0.8% |
| Tazewell County | 21 | 10 | 0.6% |
| Marshall County | 21 | 2 | 1.2% |
| Lee County | 22 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology