Flanagan State Bank closing costs and rates (2024)
In 2024, Flanagan State Bank originated 961 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $6,432. That ranks #385 nationally by origination volume. For total closing costs among lenders with 500+ originations, Flanagan State Bank ranks #325. That is $309 below the national median of $6,741. Flanagan State Bank is most active in Missouri with 267 originations there.
Purchase Originations
961
Ranked #385 nationally
Median Total Costs
$6,432
−4.6% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,000
Median Lender Credits
$93
Cost Rank (500+ vol.)
#325
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 339 | 7.000% | $4,556 | $2,553 |
| fha | 338 | 6.750% | $8,880 | $3,865 |
| usda | 212 | 6.625% | $6,210 | $2,975 |
| va | 72 | 6.688% | $4,043 | $431 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 267 | 6.750% | $6,655 | #45 |
| Illinois | 210 | 6.750% | $4,849 | #94 |
| Iowa | 150 | 6.750% | $6,442 | #44 |
| Indiana | 87 | 6.750% | $5,734 | #136 |
| Pennsylvania | 76 | 6.750% | $9,761 | #176 |
| Texas | 31 | 6.500% | $12,843 | — |
| Colorado | 27 | 6.750% | $4,888 | — |
| Minnesota | 21 | 6.625% | $6,275 | — |
| Montana | 19 | 7.000% | $5,121 | — |
| Arkansas | 12 | 5.812% | $5,964 | — |
| Wyoming | 12 | 6.688% | $7,537 | — |
| South Dakota | 10 | 6.750% | $5,645 | — |
| California | 7 | 7.125% | $6,921 | — |
| New Mexico | 7 | 6.125% | $9,043 | — |
| Kansas | 5 | 6.750% | $13,536 | — |
| Kentucky | 5 | 6.375% | $8,694 | — |
| Wisconsin | 4 | 6.750% | $4,171 | — |
| Arizona | 2 | 7.188% | $8,021 | — |
| Nebraska | 2 | 6.750% | $4,842 | — |
| Oregon | 2 | 6.500% | $11,190 | — |
| Florida | 1 | 7.000% | $4,164 | — |
| Georgia | 1 | 7.000% | $2,464 | — |
| Idaho | 1 | 6.625% | $5,513 | — |
| Ohio | 1 | 6.625% | $7,723 | — |
| Oklahoma | 1 | 7.125% | $3,835 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,318 | 7.125% | — | 25 | −$4,114 | |
| 2 | $2,398 | 7.000% | — | 12 | −$4,034 | |
| 3 | $4,309 | 6.500% | — | 23 | −$2,123 | |
| 4 | $5,299 | 6.625% | — | 13 | −$1,133 | |
| 5 | $5,490 | 6.625% | — | 14 | −$942 | |
| 6 | $5,605 | 7.062% | — | 24 | −$827 | |
| 7 | $5,715 | 6.625% | — | 19 | −$717 | |
| 8 | $5,968 | 6.750% | — | 26 | −$464 | |
| 9 | $6,156 | 7.125% | — | 29 | −$276 | |
| 10 | $6,316 | 6.625% | — | 13 | −$116 | |
| 11 | $6,632 | 6.750% | — | 60 | +$200 | |
| 12 | $6,640 | 6.750% | — | 21 | +$208 | |
| 13 | $6,898 | 6.750% | — | 15 | +$466 | |
| 14 | $7,235 | 6.625% | — | 11 | +$803 | |
| 15 | $7,300 | 6.750% | — | 26 | +$868 | |
| 16 | $7,310 | 6.750% | — | 23 | +$878 | |
| 17 | $7,341 | 6.625% | — | 14 | +$909 | |
| 18 | $7,374 | 6.750% | — | 41 | +$942 | |
| 19 | $9,734 | 6.750% | — | 67 | +$3,302 | |
| 20 | $13,614 | 6.250% | — | 13 | +$7,182 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.