Flanagan State Bank
1,140 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,140
- Median rate
- 6.625%
- Median lender fees
- $5,781
- Median loan amount
- $175,000
- Median spread over APOR
- 0.656
- Paid discount points
- 56.1%
- Received lender credits
- 66.8%
- Purchases / refinances
- 82.9% / 17%
- Conventional / FHA / VA
- 44.8% / 30.6% / 5.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.2% of loans here — see methodology.
Where Flanagan State Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Illinois | 297 | $2,957 | 6.750% |
| Missouri | 278 | $6,330 | 6.625% |
| Iowa | 176 | $6,114 | 6.625% |
| Pennsylvania | 97 | $7,939 | 6.625% |
| Indiana | 76 | $5,978 | 6.625% |