Flanagan State Bank Mortgage Lending & HMDA Data, 2017
In 2017, Flanagan State Bank of Flanagan, IL reported 2,834 mortgage applications totaling $379.6 million, up 3% from 2016. The average application was for $133,927, and applicants reported an average income of $63,535. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (228), Bloomington, IL (155) and Sioux Falls, SD (120) (applications in parentheses).
| Mortgage Company & Address | Flanagan State Bank 301 W Falcon Hwy Flanagan, IL 61740 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,834 |
| Total Mortgage Loan Application Amount | $379,551,000 |
| Average Mortgage Loan Application Amount | $133,927 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $63,535 |
| Highest Applicant Income | $805,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flanagan State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Arlington Heights, IL | 228 | $ 41,391,000 | $ 181,539 | $ 78,000 |
| Bloomington, IL | 155 | $ 19,931,000 | $ 128,587 | $ 87,000 |
| Sioux Falls, SD | 120 | $ 21,973,000 | $ 183,108 | $ 72,000 |
| Peoria, IL | 90 | $ 10,351,000 | $ 115,011 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 67 | $ 8,659,000 | $ 129,238 | $ 81,925 |
| Reading, PA | 63 | $ 7,151,000 | $ 113,507 | $ 42,000 |
| Gary, IN | 49 | $ 8,077,000 | $ 164,836 | $ 77,000 |
| St. Joseph, MO-KS | 39 | $ 4,832,000 | $ 123,897 | $ 59,512 |
| Kankakee, IL | 36 | $ 6,213,000 | $ 172,583 | $ 73,000 |
| Rapid City, SD | 34 | $ 7,656,000 | $ 225,176 | $ 95,000 |
| Cheyenne, WY | 20 | $ 5,179,000 | $ 258,950 | $ 133,000 |
| Omaha-Council Bluffs, NE-IA | 20 | $ 3,095,000 | $ 154,750 | $ 63,000 |
| Lakeland-Winter Haven, FL | 19 | $ 2,499,000 | $ 131,526 | $ 58,000 |
| Baton Rouge, LA | 18 | $ 3,109,000 | $ 172,722 | $ 53,000 |
| Springfield, IL | 17 | $ 2,189,000 | $ 128,764 | $ 62,000 |
| St. Louis, MO-IL | 14 | $ 1,729,000 | $ 123,500 | $ 68,285 |
| Waterloo-Cedar Falls, IA | 14 | $ 1,692,000 | $ 120,857 | $ 42,000 |
| Joplin, MO | 13 | $ 1,193,000 | $ 91,769 | $ 59,000 |
| Ocala, FL | 13 | $ 1,718,000 | $ 132,153 | $ 54,000 |
| Port St. Lucie, FL | 13 | $ 2,298,000 | $ 176,769 | $ 53,000 |
| Sioux City, IA-NE-SD | 12 | $ 1,825,000 | $ 152,083 | $ 58,250 |
| Duluth, MN-WI | 11 | $ 958,000 | $ 87,090 | $ 60,000 |
| Springfield, MO | 11 | $ 1,858,000 | $ 168,909 | $ 73,000 |
| Carbondale-Marion, IL | 10 | $ 970,000 | $ 97,000 | $ 39,000 |
| Casper, WY | 10 | $ 1,774,000 | $ 177,400 | $ 91,000 |
| Clarksville, TN-KY | 10 | $ 788,000 | $ 78,800 | $ 31,000 |
| Raleigh, NC | 10 | $ 1,899,000 | $ 189,900 | $ 65,000 |
| Bloomington, IN | 9 | $ 1,314,000 | $ 146,000 | $ 58,000 |
| Cape Girardeau, MO-IL | 9 | $ 1,278,000 | $ 142,000 | $ 68,000 |
| Elgin, IL | 8 | $ 1,651,000 | $ 206,375 | $ 95,000 |
| Kansas City, MO-KS | 8 | $ 1,183,000 | $ 147,875 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,180,000 | $ 147,500 | $ 38,000 |
| Decatur, IL | 7 | $ 854,000 | $ 122,000 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,207,000 | $ 172,428 | $ 63,000 |
| Cedar Rapids, IA | 6 | $ 573,000 | $ 95,500 | $ 39,000 |
| Champaign-Urbana, IL | 6 | $ 718,000 | $ 119,666 | $ 74,000 |
| Lafayette-West Lafayette, IN | 6 | $ 1,090,000 | $ 181,666 | $ 65,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,189,000 | $ 198,166 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,953,000 | $ 390,600 | $ 226,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,199,000 | $ 239,800 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 390,000 | $ 78,000 | $ 43,000 |
| Austin-Round Rock, TX | 4 | $ 556,000 | $ 139,000 | $ 60,000 |
| Jackson, MS | 4 | $ 550,000 | $ 137,500 | $ 51,000 |
| Longview, TX | 4 | $ 510,000 | $ 127,500 | $ 51,000 |
| Shreveport-Bossier City, LA | 4 | $ 488,000 | $ 122,000 | $ 55,000 |
| Tyler, TX | 4 | $ 378,000 | $ 94,500 | $ 40,000 |
| Colorado Springs, CO | 3 | $ 908,000 | $ 302,666 | $ 36,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 425,000 | $ 141,666 | $ 63,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 406,000 | $ 135,333 | $ 60,666 |
| Rockford, IL | 3 | $ 386,000 | $ 128,666 | $ 82,000 |
| Salinas, CA | 3 | $ 695,000 | $ 231,666 | $ 74,000 |
| Billings, MT | 2 | $ 501,000 | $ 250,500 | $ 104,000 |
| Columbus, IN | 2 | $ 150,000 | $ 75,000 | $ 31,000 |
| Dallas-Plano-Irving, TX | 2 | $ 346,000 | $ 173,000 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 409,000 | $ 204,500 | $ 153,000 |
| Fort Worth-Arlington, TX | 2 | $ 543,000 | $ 271,500 | $ 73,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 665,000 | $ 332,500 | $ 208,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 690,000 | $ 345,000 | $ 184,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 399,000 | $ 199,500 | $ 69,000 |
| Lexington-Fayette, KY | 2 | $ 413,000 | $ 206,500 | $ 61,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 292,000 | $ 146,000 | $ 67,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 216,000 | $ 108,000 | $ 43,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 373,000 | $ 186,500 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 565,000 | $ 282,500 | $ 133,000 |
| Prescott, AZ | 2 | $ 640,000 | $ 320,000 | $ 66,000 |
| San Antonio-New Braunfels, TX | 2 | $ 303,000 | $ 151,500 | $ 47,000 |
| Ann Arbor, MI | 1 | $ 168,000 | $ 168,000 | $ 68,000 |
| Auburn-Opelika, AL | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 168,000 | $ 168,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 179,000 | $ 179,000 | $ 47,000 |
| Coeur D'Alene, ID | 1 | $ 149,000 | $ 149,000 | $ 33,000 |
| Corpus Christi, TX | 1 | $ 107,000 | $ 107,000 | $ 38,000 |
| Danville, IL | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 207,000 | $ 207,000 | $ 100,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 148,000 | $ 148,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 136,000 | $ 136,000 | $ 36,000 |
| Flagstaff, AZ | 1 | $ 395,000 | $ 395,000 | $ 144,000 |
| Fort Collins, CO | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Great Falls, MT | 1 | $ 142,000 | $ 142,000 | $ 41,000 |
| Greensboro-High Point, NC | 1 | $ 171,000 | $ 171,000 | $ 61,000 |
| Homosassa Springs, FL | 1 | $ 59,000 | $ 59,000 | $ 21,000 |
| Idaho Falls, ID | 1 | $ 101,000 | $ 101,000 | $ 93,000 |
| Jackson, TN | 1 | $ 74,000 | $ 74,000 | $ 95,000 |
| Jacksonville, FL | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| Kalamazoo-Portage, MI | 1 | $ 158,000 | $ 158,000 | $ 249,000 |
| Lebanon, PA | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Lincoln, NE | 1 | $ 117,000 | $ 117,000 | $ 68,000 |
| New Orleans-Metairie, LA | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 197,000 | $ 197,000 | $ 59,000 |
| San Diego-Carlsbad, CA | 1 | $ 560,000 | $ 560,000 | $ 224,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 113,000 | $ 113,000 | $ 29,000 |
| Terre Haute, IN | 1 | $ 42,000 | $ 42,000 | $ 58,000 |
| Texarkana, TX-AR | 1 | $ 98,000 | $ 98,000 | $ 62,000 |
| Valdosta, GA | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 310,000 | $ 310,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Flanagan State Bank in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,064 | $260,865,000 | $126,000 | $508,000 | $59,000 | $805,000 |
| Refinancing | 691 | $110,531,000 | $159,000 | $680,000 | $76,000 | $515,000 |
| Home Improvement | 79 | $8,155,000 | $103,000 | $383,000 | $73,000 | $274,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,488 | $335,395,000 | $134,000 | $680,000 | $65,000 | $805,000 |
| Black or African American | 134 | $18,143,000 | $135,000 | $466,000 | $52,000 | $205,000 |
| Hispanic | 134 | $14,356,000 | $107,000 | $381,000 | $44,000 | $226,000 |
| Not Provided | 47 | $6,211,000 | $132,000 | $363,000 | $63,000 | $183,000 |
| Asian | 19 | $3,667,000 | $193,000 | $560,000 | $89,000 | $224,000 |
| American Indian or Alaskan Native | 10 | $1,350,000 | $135,000 | $308,000 | $61,000 | $152,000 |
| Not applicable | 2 | $429,000 | $214,000 | $390,000 | $4,000 | $9,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 957 | $147,166,000 | $153,000 | $680,000 | $84,000 | $805,000 |
| FHA-insured (Federal Housing Administration) | 874 | $115,496,000 | $132,000 | $393,000 | $57,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 763 | $76,157,000 | $99,000 | $466,000 | $43,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 240 | $40,732,000 | $169,000 | $534,000 | $71,000 | $701,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,678 | $222,855,000 | $132,000 | $560,000 | $64,000 | $805,000 |
| Application Denied By Financial Institution | 395 | $46,894,000 | $118,000 | $680,000 | $54,000 | $425,000 |
| Application Withdrawn By Applicant | 355 | $49,529,000 | $139,000 | $578,000 | $68,000 | $425,000 |
| Loan Purchased By The Institution | 355 | $53,551,000 | $150,000 | $534,000 | $69,000 | $701,000 |
| Application Approved But Not Accepted | 47 | $6,199,000 | $131,000 | $390,000 | $71,000 | $264,000 |
| File Closed For Incompleteness | 4 | $523,000 | $130,000 | $271,000 | $129,000 | $208,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Flanagan State Bank's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Flanagan State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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