Flagstar Bank, National Association NMLS #417490
At a glance
- HeadquartersHicksville, NY
- Size9,656 home loans closed in 2025
- Loan typesConventional, FHA and VA
What it closes
Share of its 2025 home loans: 76% Conventional, 18% FHA, 6% VA and 0% Other types.
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Who is Flagstar Bank, National Association?
Flagstar Bank, National Association (NMLS #417490) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerFlagstar Bank, National Association
- NMLS #417490
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
Flagstar Bank, National Association held $87,714,456,000 in total assets as of June 30, 2026, per the FDIC (certificate 32541). The FDIC and NMLS records both place it in Hicksville, New York. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Flagstar Bank, National Association
Overview
Flagstar Bank, National Association is a mortgage lender supervised by the Office of the Comptroller of the Currency. The company’s mortgage activity includes conventional loans and government-backed loan categories.
Mortgage options
In 2025, Flagstar Bank, National Association made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
Locations
Flagstar Bank, National Association has its office at 102 Duffy Avenue in Hicksville, New York.
Company details and licensing
Flagstar Bank, National Association uses the trade name Flagstar Bank, FSB. Its NMLS company ID is 417490. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #417490 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asFlagstar Bank, National Association
- 2025 home loan decisionsOf 15,381 applications decided by Flagstar Bank, National Association in 2025, 9,656 were originated, 328 were approved but not accepted by the borrower, and 5,397 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 64.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 3,289 applications were withdrawn by the borrower, 448 were closed for incompleteness, and 144 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.238 percentage points above the average prime offer rate (reported on 9,639 originations, 17 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,535.71 — originated closed-end household loans, 2025, 8,137 of 8,384 loans. FFIEC HMDA data browser.
- Median origination charges$1,792.90 — originated closed-end household loans, 2025, 8,136 of 8,384 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types7,323 Conventional, 1,706 FHA, 564 VA, 63 USDA — of 9,656 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Flagstar Bank, National Association — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Flagstar Bank, National Association's NMLS number?
Flagstar Bank, National Association's NMLS number is 417490. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Flagstar Bank, National Association's NMLS ID?
Yes. We checked Flagstar Bank, National Association's company name and NMLS ID against the NMLS record on December 23, 2025. They've been in our lender network since November 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Flagstar Bank, National Association?
This page has Flagstar Bank, National Association's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.