Lender in Missouri · HMDA 2025
Flanagan State Bank mortgages in Missouri
Flanagan State Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
Flanagan State Bank originated 266 owner-occupied single-family loans in Missouri from 323 completed applications.
Its median conventional purchase loan costs were $3,220 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.875% (Missouri: 6.625%).
Loans in MO
266
of 323 applications
Denial rate
14.8%
Purchase · MO 6.5%
Rate spread
+0.72 pts
Conv. · MO +0.24 pts
Loan amount
$145,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 297 | 253 | 14.8% | 6.875% | +0.72 pts | $3,220 | $145,000 |
| Refinance | 16 | 7 | — | — | — | — | — |
| Cash-out refinance | 10 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where Flanagan State Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stoddard County | 1 | 40 | 13.5% |
| Mississippi County | 1 | 19 | 20.9% |
| Butler County | 2 | 52 | 10.5% |
| Scott County | 3 | 31 | 7.5% |
| New Madrid County | 4 | 14 | 10.3% |
| Nodaway County | 4 | 13 | 6.4% |
| Dunklin County | 4 | 10 | 5.5% |
| Ripley County | 5 | 9 | 6.9% |
| Worth County | 5 | 1 | 5.9% |
| Wayne County | 6 | 5 | 5.4% |
| Mercer County | 6 | 1 | 4.3% |
| Andrew County | 8 | 8 | 3.2% |
| Buchanan County | 9 | 29 | 2.4% |
| Pemiscot County | 9 | 2 | 2.5% |
| Harrison County | 9 | 1 | 1.5% |
| Holt County | 9 | 1 | 2.4% |
| Barton County | 11 | 2 | 1.9% |
| Reynolds County | 12 | 1 | 1.7% |
| Gentry County | 14 | 1 | 1.1% |
| Grundy County | 20 | 1 | 1.0% |
| Bollinger County | 21 | 1 | 0.9% |
| DeKalb County | 23 | 1 | 0.9% |
| Cape Girardeau County | 24 | 9 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology