Flanagan State Bank
USDA, FHA, VA &
Conventional
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National Mortgage Lender
Documents
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Gift Letter​
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Buyer Funded Escrow Repair Form
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Seller Funded Escrow Repair Form​
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Matrices
​Mortgagee Clause
Government Files:
​Mortgagee Clause
Conventional Files:
FHA ID:
2760600034
Lender ID:
7095710000
Our current turntimes are 24-48 hours
Underwriting Turn Times
Underwriting Turn Times
If you have any questions on the status of your loan(s),
please contact TPO Help at tpohelp@flanaganstatebank.com
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You may also address specific file questions directly to our underwriting team
USDA Commitment Turn Times - currently working on files from 12/23/2025
Important things to remember:
Files submitted after 11 am count for the next day
Weekends do not count in the work days
If your file has MI or USDA Submissions needed, the turn time may be longer
USDA Commitment Turn Times are dictated by USDA only. FSB does not have any control over these turn times.
2026 FSB Holidays
The following holidays will affect FSB's turn times and will not count for Recission & TRID dates as we will be closed:
January 1st-New Year's Day
January 19th-MLKJ Day
February 16th-Washington's birthday
May 25th-Memorial Day
June 19th-Juneteenth (observed)
July 3rd-Independence Day
September 7th-Labor Day
October 12th-Columbus Day
November 26th-Thanksgiving
November 27th-Day after Thanksgiving*
December 25th-Christmas Day
*will count for Recission or TRID dates
Closing Turn Times
Closing Turn Times
Closings can occur on the 2nd business day after the day it is scheduled. Please UPLOAD your Closing Request Form to the file after the Clear to Close is received. FINAL your file to allow us to confirm the closing date back to you!
