Flanagan State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Flanagan State Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 2,965 |
| Total Mortgage Loan Application Amount | $453,215,000 |
| Average Mortgage Loan Application Amount | $159,500 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $72,750 |
| Highest Applicant Income | $745,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Flanagan State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Flanagan State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Flanagan State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Flanagan State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Flanagan State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Flanagan State Bank's mortgage activity for 2019.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NA (OUTSIDE OF MSA/MD) | 1,613 | $ 226,655,000 | $ 150,680 | $ 68,600 |
| CHICAGO-NAPERVILLE, IL | 211 | $ 44,805,000 | $ 212,000 | $ 96,000 |
| BLOOMINGTON, IL | 198 | $ 27,980,000 | $ 141,000 | $ 90,000 |
| PEORIA, IL | 105 | $ 12,085,000 | $ 115,000 | $ 70,000 |
| SIOUX FALLS, SD | 96 | $ 19,690,000 | $ 205,000 | $ 87,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 91 | $ 10,795,000 | $ 115,500 | $ 66,500 |
| KANKAKEE, IL | 74 | $ 11,340,000 | $ 153,000 | $ 79,000 |
| READING, PA | 64 | $ 6,180,000 | $ 96,000 | $ 39,000 |
| GARY, IN | 52 | $ 11,480,000 | $ 220,000 | $ 83,000 |
| JOPLIN, MO | 52 | $ 7,630,000 | $ 146,000 | $ 61,000 |
| ST. JOSEPH, MO-KS | 40 | $ 5,130,000 | $ 151,000 | $ 72,000 |
| DES MOINES-WEST DES MOINES, IA | 36 | $ 6,470,000 | $ 179,000 | $ 77,000 |
| SPRINGFIELD, IL | 19 | $ 2,595,000 | $ 136,000 | $ 91,000 |
| EL PASO, TX | 16 | $ 2,010,000 | $ 125,000 | $ 57,000 |
| GRAND JUNCTION, CO | 16 | $ 4,950,000 | $ 309,000 | $ 123,000 |
| SPRINGFIELD, MO | 16 | $ 2,430,000 | $ 151,000 | $ 87,000 |
| JEFFERSON CITY, MO | 15 | $ 2,525,000 | $ 168,000 | $ 70,000 |
| MADISON, WI | 15 | $ 3,065,000 | $ 204,000 | $ 75,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 14 | $ 3,370,000 | $ 240,000 | $ 95,000 |
| ELGIN, IL | 13 | $ 2,925,000 | $ 225,000 | $ 96,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 13 | $ 3,095,000 | $ 238,000 | $ 99,000 |
| WATERLOO-CEDAR FALLS, IA | 12 | $ 1,470,000 | $ 122,000 | $ 58,000 |
| CARBONDALE-MARION, IL | 9 | $ 1,395,000 | $ 155,000 | $ 83,000 |
| CHAMPAIGN-URBANA, IL | 9 | $ 1,305,000 | $ 145,000 | $ 65,000 |
| RAPID CITY, SD | 9 | $ 1,975,000 | $ 219,000 | $ 79,000 |
| CAPE GIRARDEAU, MO-IL | 8 | $ 1,170,000 | $ 132,500 | $ 65,500 |
| KANSAS CITY, MO-KS | 8 | $ 1,540,000 | $ 192,000 | $ 110,000 |
| BLOOMINGTON, IN | 7 | $ 1,425,000 | $ 203,000 | $ 84,000 |
| CEDAR RAPIDS, IA | 6 | $ 890,000 | $ 148,000 | $ 53,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 6 | $ 1,020,000 | $ 148,500 | $ 61,500 |
| POCATELLO, ID | 6 | $ 730,000 | $ 121,000 | $ 69,000 |
| ST. LOUIS, MO-IL | 6 | $ 1,060,000 | $ 176,500 | $ 77,500 |
| FARMINGTON, NM | 5 | $ 1,295,000 | $ 259,000 | $ 79,000 |
| ROCKFORD, IL | 5 | $ 645,000 | $ 129,000 | $ 51,000 |
| COLUMBIA, MO | 4 | $ 650,000 | $ 162,000 | $ 47,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 4 | $ 1,010,000 | $ 252,000 | $ 100,000 |
| AUSTIN-ROUND ROCK, TX | 3 | $ 805,000 | $ 268,000 | $ 111,000 |
| CAPE CORAL-FORT MYERS, FL | 3 | $ 705,000 | $ 235,000 | $ 92,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 3 | $ 375,000 | $ 125,000 | $ 295,000 |
| IOWA CITY, IA | 3 | $ 485,000 | $ 161,000 | $ 61,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 3 | $ 665,000 | $ 185,000 | $ 86,500 |
| SIOUX CITY, IA-NE-SD | 3 | $ 375,000 | $ 115,000 | $ 91,500 |
| BILLINGS, MT | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| BOISE CITY, ID | 2 | $ 720,000 | $ 360,000 | $ 145,000 |
| CLARKSVILLE, TN-KY | 2 | $ 130,000 | $ 65,000 | $ 25,000 |
| COLORADO SPRINGS, CO | 2 | $ 590,000 | $ 295,000 | $ 60,000 |
| DENVER-AURORA-LAKEWOOD, CO | 2 | $ 1,040,000 | $ 520,000 | $ 177,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| HUNTSVILLE, AL | 2 | $ 360,000 | $ 180,000 | $ 80,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 2 | $ 450,000 | $ 225,000 | $ 137,000 |
| JACKSONVILLE, NC | 2 | $ 330,000 | $ 165,000 | $ 71,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 2 | $ 150,000 | $ 75,000 | $ 116,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 2 | $ 310,000 | $ 155,000 | $ 85,000 |
| LUBBOCK, TX | 2 | $ 630,000 | $ 315,000 | $ 76,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2 | $ 340,000 | $ 170,000 | $ 63,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 2 | $ 300,000 | $ 150,000 | $ 73,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 2 | $ 430,000 | $ 215,000 | $ 57,000 |
| TERRE HAUTE, IN | 2 | $ 170,000 | $ 85,000 | $ 151,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| AMES, IA | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| BATON ROUGE, LA | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| CASPER, WY | 1 | $ 395,000 | $ 395,000 | $ 197,000 |
| COLUMBUS, GA-AL | 1 | $ 65,000 | $ 65,000 | $ 11,000 |
| DECATUR, IL | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| DUBUQUE, IA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| ELIZABETHTOWN-FORT KNOX, KY | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| EUGENE, OR | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| FARGO, ND-MN | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| FORT COLLINS, CO | 1 | $ 365,000 | $ 365,000 | $ 64,000 |
| GREELEY, CO | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| HOT SPRINGS, AR | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| JANESVILLE-BELOIT, WI | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| KNOXVILLE, TN | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| LEWISTON, ID-WA | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| LONGVIEW, TX | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| LYNCHBURG, VA | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| MANKATO-NORTH MANKATO, MN | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $ 485,000 | $ 485,000 | $ 571,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1 | $ 395,000 | $ 395,000 | $ 156,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| OKLAHOMA CITY, OK | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| SALINAS, CA | 1 | $ 365,000 | $ 365,000 | $ 86,000 |
| SAN ANGELO, TX | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| TULSA, OK | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| URBAN HONOLULU, HI | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| YUMA, AZ | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Flanagan State Bank in 2019
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 | 1,951 | $264,295,000 | $135,000 | $715,000 | $62,000 | $659,000 |
| Refinancing | 582 | $115,010,000 | $197,000 | $705,000 | $93,000 | $745,000 |
| Cash-out Refinancing | 431 | $73,775,000 | $171,000 | $605,000 | $81,000 | $631,000 |
| Other Purpose | 1 | $135,000 | $135,000 | $135,000 | $55,000 | $55,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,539 | $390,475,000 | $153,000 | $715,000 | $72,000 | $745,000 |
| Hispanic | 184 | $25,060,000 | $136,000 | $425,000 | $56,000 | $292,000 |
| Black or African American | 111 | $14,715,000 | $132,000 | $365,000 | $60,000 | $229,000 |
| Not Provided | 104 | $17,820,000 | $171,000 | $485,000 | $78,000 | $659,000 |
| Asian | 13 | $2,465,000 | $189,000 | $405,000 | $82,000 | $205,000 |
| American Indian or Alaskan Native | 7 | $1,175,000 | $167,000 | $205,000 | $64,000 | $114,000 |
| Not applicable | 4 | $830,000 | $207,000 | $575,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $108,000 | $108,000 |
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) | 1,345 | $242,555,000 | $180,000 | $705,000 | $89,000 | $745,000 |
| FHA-insured (Federal Housing Administration) | 744 | $99,910,000 | $134,000 | $385,000 | $60,000 | $292,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 676 | $72,180,000 | $106,000 | $425,000 | $45,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 200 | $38,570,000 | $192,000 | $715,000 | $76,000 | $416,000 |
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 | 2,041 | $307,635,000 | $150,000 | $715,000 | $71,000 | $659,000 |
| Application Withdrawn By Applicant | 491 | $83,135,000 | $169,000 | $685,000 | $80,000 | $745,000 |
| Application Denied By Financial Institution | 407 | $58,655,000 | $144,000 | $705,000 | $59,000 | $261,000 |
| Loan Purchased By The Institution | 18 | $2,650,000 | $147,000 | $325,000 | $67,000 | $171,000 |
| Application Approved But Not Accepted | 8 | $1,140,000 | $142,000 | $425,000 | $51,000 | $95,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,558 | $394,560,000 | $154,000 | $715,000 | $72,000 | $745,000 |
| Credit History | 182 | $24,580,000 | $135,000 | $395,000 | $65,000 | $178,000 |
| Debt-To-Income Ratio | 90 | $15,700,000 | $174,000 | $595,000 | $46,000 | $117,000 |
| Collateral | 55 | $7,555,000 | $137,000 | $375,000 | $62,000 | $219,000 |
| Other | 37 | $4,685,000 | $126,000 | $245,000 | $63,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,270,000 | $162,000 | $705,000 | $70,000 | $261,000 |
| Unverifiable Information | 11 | $1,295,000 | $117,000 | $325,000 | $46,000 | $86,000 |
| Employment History | 10 | $1,170,000 | $117,000 | $385,000 | $49,000 | $113,000 |
| Credit Application Incomplete | 8 | $1,400,000 | $175,000 | $385,000 | $62,000 | $137,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Flanagan State Bank's 2019 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.