Flanagan State Bank Mortgage Lending & HMDA Data, 2020
In 2020, Flanagan State Bank of Flanagan, IL reported 4,566 mortgage applications totaling $790.0 million, up 54% from 2019. The average application was for $173,013, and applicants reported an average income of $84,500. 66% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Chicago-Naperville, IL (469), Bloomington, IL (427) and Peoria, IL (230) (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 | 4,566 |
| Total Mortgage Loan Application Amount | $789,980,000 |
| Average Mortgage Loan Application Amount | $173,013 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $84,500 |
| Highest Applicant Income | $2,297,000 |
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Act (HMDA) records Flanagan State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 2,161 | $ 348,895,000 | $ 161,450 | $ 72,033 |
| Chicago-Naperville, IL | 469 | $ 96,885,000 | $ 206,577 | $ 104,000 |
| Bloomington, IL | 427 | $ 64,035,000 | $ 149,964 | $ 112,000 |
| Peoria, IL | 230 | $ 31,250,000 | $ 135,869 | $ 89,000 |
| Sioux Falls, SD | 137 | $ 32,755,000 | $ 239,087 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 124 | $ 23,020,000 | $ 185,645 | $ 89,266 |
| Davenport-Moline-Rock Island, IA-IL | 119 | $ 16,175,000 | $ 135,924 | $ 63,873 |
| Kankakee, IL | 118 | $ 19,370,000 | $ 164,152 | $ 89,000 |
| Gary, IN | 86 | $ 18,700,000 | $ 217,441 | $ 86,000 |
| Grand Junction, CO | 76 | $ 21,950,000 | $ 288,815 | $ 103,000 |
| Madison, WI | 60 | $ 13,530,000 | $ 225,500 | $ 91,000 |
| Reading, PA | 59 | $ 6,545,000 | $ 110,932 | $ 38,000 |
| Joplin, MO | 51 | $ 7,995,000 | $ 156,764 | $ 75,000 |
| St. Joseph, MO-KS | 49 | $ 7,735,000 | $ 157,857 | $ 69,959 |
| Des Moines-West Des Moines, IA | 47 | $ 9,005,000 | $ 191,595 | $ 85,000 |
| Elgin, IL | 23 | $ 5,105,000 | $ 221,956 | $ 110,000 |
| Springfield, MO | 19 | $ 4,075,000 | $ 214,473 | $ 120,000 |
| Carbondale-Marion, IL | 17 | $ 2,305,000 | $ 135,588 | $ 92,000 |
| Springfield, IL | 14 | $ 1,760,000 | $ 125,714 | $ 76,000 |
| Cape Girardeau, MO-IL | 11 | $ 1,625,000 | $ 147,727 | $ 59,000 |
| Champaign-Urbana, IL | 10 | $ 1,380,000 | $ 138,000 | $ 61,000 |
| Rockford, IL | 10 | $ 1,380,000 | $ 138,000 | $ 86,000 |
| Bloomington, IN | 9 | $ 1,365,000 | $ 151,666 | $ 66,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 3,375,000 | $ 375,000 | $ 153,000 |
| Kansas City, MO-KS | 9 | $ 1,885,000 | $ 209,444 | $ 64,000 |
| Bakersfield, CA | 8 | $ 1,900,000 | $ 237,500 | $ 107,000 |
| Fort Collins, CO | 8 | $ 3,550,000 | $ 443,750 | $ 180,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,710,000 | $ 213,750 | $ 134,000 |
| St. Louis, MO-IL | 8 | $ 1,120,000 | $ 140,000 | $ 89,250 |
| Decatur, IL | 7 | $ 595,000 | $ 85,000 | $ 85,000 |
| Farmington, NM | 7 | $ 1,315,000 | $ 187,857 | $ 53,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 780,000 | $ 130,000 | $ 50,000 |
| Baton Rouge, LA | 5 | $ 625,000 | $ 125,000 | $ 41,000 |
| Cedar Rapids, IA | 5 | $ 755,000 | $ 151,000 | $ 49,000 |
| Jefferson City, MO | 5 | $ 925,000 | $ 185,000 | $ 137,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,345,000 | $ 269,000 | $ 126,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,345,000 | $ 269,000 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,415,000 | $ 283,000 | $ 122,000 |
| New Orleans-Metairie, LA | 5 | $ 1,075,000 | $ 215,000 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 965,000 | $ 193,000 | $ 155,000 |
| Austin-Round Rock, TX | 4 | $ 1,240,000 | $ 310,000 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,010,000 | $ 252,500 | $ 134,000 |
| Dallas-Plano-Irving, TX | 4 | $ 600,000 | $ 150,000 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 710,000 | $ 177,500 | $ 51,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 430,000 | $ 107,500 | $ 51,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,210,000 | $ 302,500 | $ 115,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 750,000 | $ 187,500 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 720,000 | $ 180,000 | $ 150,000 |
| Rapid City, SD | 4 | $ 880,000 | $ 220,000 | $ 82,000 |
| Sioux City, IA-NE-SD | 4 | $ 730,000 | $ 182,500 | $ 62,750 |
| Colorado Springs, CO | 3 | $ 905,000 | $ 301,666 | $ 129,000 |
| Dubuque, IA | 3 | $ 525,000 | $ 175,000 | $ 96,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 675,000 | $ 225,000 | $ 99,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,005,000 | $ 335,000 | $ 204,000 |
| Janesville-Beloit, WI | 3 | $ 455,000 | $ 151,666 | $ 107,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 605,000 | $ 201,666 | $ 125,000 |
| San Antonio-New Braunfels, TX | 3 | $ 515,000 | $ 171,666 | $ 68,000 |
| Billings, MT | 2 | $ 750,000 | $ 375,000 | $ 89,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 400,000 | $ 200,000 | $ 47,000 |
| Fresno, CA | 2 | $ 390,000 | $ 195,000 | $ 58,000 |
| Greeley, CO | 2 | $ 780,000 | $ 390,000 | $ 116,000 |
| Huntsville, AL | 2 | $ 560,000 | $ 280,000 | $ 81,000 |
| Jackson, MS | 2 | $ 340,000 | $ 170,000 | $ 52,000 |
| Oklahoma City, OK | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Savannah, GA | 2 | $ 380,000 | $ 190,000 | $ 52,000 |
| Tyler, TX | 2 | $ 330,000 | $ 165,000 | $ 51,000 |
| Albuquerque, NM | 1 | $ 345,000 | $ 345,000 | $ 81,000 |
| Ames, IA | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Auburn-Opelika, AL | 1 | $ 315,000 | $ 315,000 | $ 148,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Birmingham-Hoover, AL | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Bismarck, ND | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Boulder, CO | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Casper, WY | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Cheyenne, WY | 1 | $ 315,000 | $ 315,000 | $ 164,000 |
| Columbia, MO | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Danville, IL | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Decatur, AL | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Duluth, MN-WI | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| El Paso, TX | 1 | $ 305,000 | $ 305,000 | $ 162,000 |
| Fargo, ND-MN | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| Fond Du Lac, WI | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Green Bay, WI | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Hot Springs, AR | 1 | $ 195,000 | $ 195,000 | $ 129,000 |
| Iowa City, IA | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Jacksonville, FL | 1 | $ 325,000 | $ 325,000 | $ 103,000 |
| Jonesboro, AR | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Killeen-Temple, TX | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Knoxville, TN | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Lebanon, PA | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 505,000 | $ 505,000 | $ 135,000 |
| Manhattan, KS | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Medford, OR | 1 | $ 495,000 | $ 495,000 | $ 272,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Missoula, MT | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Muncie, IN | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 435,000 | $ 435,000 | $ 466,000 |
| Niles-Benton Harbor, MI | 1 | $ 145,000 | $ 145,000 | $ 113,000 |
| Pine Bluff, AR | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Pocatello, ID | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Punta Gorda, FL | 1 | $ 205,000 | $ 205,000 | $ 117,000 |
| Racine, WI | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Rochester, MN | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| San Diego-Carlsbad, CA | 1 | $ 525,000 | $ 525,000 | $ 256,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| St. George, UT | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| The Villages, FL | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Tucson, AZ | 1 | $ 415,000 | $ 415,000 | $ 258,000 |
| Tulsa, OK | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Victoria, TX | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 355,000 | $ 355,000 | $ 101,000 |
| Wichita Falls, TX | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| York-Hanover, PA | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Flanagan State Bank in 2020
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 | 1,953 | $301,445,000 | $154,000 | $685,000 | $67,000 | $618,000 |
| Refinancing | 1,891 | $355,095,000 | $187,000 | $615,000 | $99,000 | $1,149,000 |
| Cash-out Refinancing | 720 | $133,330,000 | $185,000 | $515,000 | $94,000 | $2,297,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $53,000 | $53,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $34,000 | $34,000 |
| 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 | 4,086 | $714,390,000 | $174,000 | $685,000 | $85,000 | $2,297,000 |
| Hispanic | 186 | $27,930,000 | $150,000 | $515,000 | $57,000 | $162,000 |
| Not Provided | 148 | $24,430,000 | $165,000 | $515,000 | $104,000 | $618,000 |
| Black or African American | 112 | $16,520,000 | $147,000 | $385,000 | $63,000 | $240,000 |
| Asian | 28 | $6,080,000 | $217,000 | $525,000 | $118,000 | $604,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $215,000 | $18,000 | $18,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $42,000 | $42,000 |
| Not applicable | 1 | $35,000 | $35,000 | $35,000 | $40,000 | $40,000 |
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) | 2,843 | $531,915,000 | $187,000 | $545,000 | $98,000 | $2,297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 753 | $90,185,000 | $119,000 | $515,000 | $48,000 | $648,000 |
| FHA-insured (Federal Housing Administration) | 682 | $104,160,000 | $152,000 | $505,000 | $63,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 288 | $63,720,000 | $221,000 | $685,000 | $81,000 | $220,000 |
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 | 3,028 | $526,150,000 | $173,000 | $685,000 | $86,000 | $2,297,000 |
| Application Withdrawn By Applicant | 928 | $168,520,000 | $181,000 | $615,000 | $87,000 | $618,000 |
| Application Denied By Financial Institution | 561 | $87,025,000 | $155,000 | $515,000 | $66,000 | $648,000 |
| Application Approved But Not Accepted | 24 | $4,150,000 | $172,000 | $485,000 | $61,000 | $121,000 |
| Loan Purchased By The Institution | 24 | $4,070,000 | $169,000 | $485,000 | $97,000 | $541,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $35,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,005 | $702,955,000 | $175,000 | $685,000 | $86,000 | $2,297,000 |
| Credit History | 280 | $40,120,000 | $143,000 | $425,000 | $69,000 | $252,000 |
| Debt-To-Income Ratio | 119 | $21,255,000 | $178,000 | $515,000 | $48,000 | $159,000 |
| Other | 58 | $9,430,000 | $162,000 | $515,000 | $77,000 | $648,000 |
| Collateral | 52 | $8,200,000 | $157,000 | $515,000 | $76,000 | $334,000 |
| Employment History | 32 | $4,960,000 | $155,000 | $385,000 | $71,000 | $231,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,175,000 | $130,000 | $255,000 | $61,000 | $120,000 |
| Unverifiable Information | 8 | $1,490,000 | $186,000 | $375,000 | $62,000 | $180,000 |
| Credit Application Incomplete | 3 | $395,000 | $131,000 | $145,000 | $51,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Flanagan State Bank's 2020 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.
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