Flagstar Bank, National Association mortgage approval rate & lending review
Flagstar Bank, National Association decided 79,066 mortgage applications and funded 53,254 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Flagstar Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Flagstar Bank, National Association at a glance
Approval is 11.7 points below the 80.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 70% | 30,772 / 43,950 | 99% | $295K | 30,482 |
| Home improvement loans | 50% | 981 / 1,967 | 77% | $65K | 758 |
| Cash-out refinance | 68% | 15,329 / 22,467 | 97% | $105K | 14,851 |
| Refinance | 69% | 2,949 / 4,282 | 93% | $305K | 2,738 |
| Investment property purchase | 73% | 3,638 / 4,971 | 99% | $215K | 3,596 |
| Investment cash-out refinance | 57% | 474 / 826 | 97% | $195K | 461 |
| Investment refinance | 63% | 316 / 500 | 98% | $225K | 310 |
| Investment home improvement | 56% | 58 / 103 | 100% | $185K | 58 |
Flagstar Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 70% | $205K | 11,439 | 7,767 |
| California | 66% | $615K | 11,418 | 7,324 |
| Florida | 67% | $335K | 10,091 | 6,615 |
| Texas | 72% | $295K | 7,403 | 5,274 |
| Arizona | 72% | $375K | 3,639 | 2,541 |
| New York | 59% | $425K | 3,110 | 1,754 |
| Georgia | 68% | $355K | 2,751 | 1,841 |
| Illinois | 70% | $265K | 2,334 | 1,610 |
| New Jersey | 59% | $275K | 2,033 | 1,170 |
| Pennsylvania | 72% | $195K | 2,025 | 1,453 |
| Ohio | 71% | $205K | 1,955 | 1,360 |
| Indiana | 68% | $225K | 1,667 | 1,076 |
| North Carolina | 71% | $215K | 1,588 | 1,105 |
| South Carolina | 73% | $275K | 1,521 | 1,098 |
| Washington | 68% | $115K | 1,413 | 938 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Flagstar Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Mortgage lenders | 71% | 2,052 | 1,436 |
| Oakland County, MI | Mortgage lenders | 77% | 1,316 | 1,011 |
| Harris County, TX | Mortgage lenders | 71% | 1,410 | 986 |
| Macomb County, MI | Mortgage lenders | 80% | 1,075 | 843 |
| Maricopa County, AZ | Mortgage lenders | 70% | 965 | 670 |
| Maricopa County, AZ | Cash-out refinance | 75% | 842 | 607 |
| Los Angeles County, CA | Cash-out refinance | 61% | 945 | 555 |
| Los Angeles County, CA | Mortgage lenders | 60% | 902 | 539 |
| Cook County, IL | Mortgage lenders | 70% | 626 | 435 |
| Miami-Dade County, FL | Mortgage lenders | 63% | 696 | 434 |
| Ingham County, MI | Mortgage lenders | 62% | 659 | 405 |
| Riverside County, CA | Mortgage lenders | 69% | 598 | 401 |
The county markets where Flagstar Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Flagstar Bank, National Association
What is Flagstar Bank, National Association's mortgage approval rate?
Flagstar Bank, National Association approved 69.0% of the 79,066 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points below the 80.6% national rate for the same mix of loan types.
How often do borrowers take the loan Flagstar Bank, National Association offers?
Borrowers accepted 98% of the loans Flagstar Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Flagstar Bank, National Association make?
The typical home purchase mortgage loan Flagstar Bank, National Association made was $295K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Flagstar Bank, National Association lend?
Flagstar Bank, National Association decided applications in 52 of the states Fat Boy Data covers, most of them in Michigan, California and Florida.
Can I apply to Flagstar Bank, National Association directly?
Yes. Flagstar Bank, National Association is a bank or credit union with 345 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Flagstar Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Flagstar Bank, National Association treats applications, then get a rate quote from the lender.