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Flagstar Bank, National Association: 2025 loan data
Flagstar Bank, National Association's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as Flagstar Bank, National Association
- Home loans closed9,656Loans it funded in 2025
- Approval rate64.9%Of applications it said yes or no to
- Typical loan costs$5,535.71Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,792.90Its own charges to make the loan
What it closes
9,656 home loans closed in 2025
Share of its 2025 home loans: 76% Conventional, 18% FHA, 6% VA and 0% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
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 Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 3,289 applications were withdrawn by the borrower, 448 were closed for incompleteness, and 144 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.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 November 11, 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.