U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

Flagstar Bank, National Association

BankHicksville, NYActive

FDIC certificate 32541

Data observedAugust 5, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
32541
company ID
Not published — no verified match
More identifiers
Federal Reserve
694904
OCC charter number
25282
Not published — no verified match
Official website
https://www.flagstar.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Hicksville, NY
HMDA activity
Published activity year 2025
Listed branch locations
359
Complaint records
CFPB search status is not currently available.
CRA examinations
No published CRA result found
Institution history
13 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Hicksville, NY
activity
Published activity year 2025
Listed branch locations
359
Complaint records
CFPB search status is not currently available.
CRA examinations
No published CRA result found
Institution history
13 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

19,262reported records

9,656reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

19,262

2025

Loan originations

9,656

2025

Denials

5,397

2025

Withdrawals

3,289

2025

Denial rate among decisioned applications

35.1%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202519,2629,6563285,3973,28935.1%
202467,77829,44362612,5337,52329.4%
202378,59230,52379914,0098,56130.9%
2022132,59461,2021,15920,59214,28624.8%
2021214,632111,0251,74325,89820,13318.7%
2020211,014122,1181,80826,34019,93417.5%
2019155,15783,7711,53120,92410,23419.7%
2018150,99973,9251,62222,0165,39322.6%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional14,716
FHA3,411
VA957
RHS / FSA178
Home purchase10,579
Home improvement575
Refinancing1,862
Cash-out refinancing5,020

State reporting

53 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

3,525

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
201236
2013447
2014416
2015339
2016234
2017178
2018193
2019352
2020372
2021475
2022483

Leading issues

  1. Trouble during payment process

    None

    1,145

  2. Loan modification,collection,foreclosure

    None

    844

  3. Struggling to pay mortgage

    None

    517

  4. Loan servicing, payments, escrow account

    None

    499

  5. Applying for a mortgage or refinancing an existing mortgage

    None

    178

View all issues (21)

  1. Closing on a mortgage

    None

    108

  2. Application, originator, mortgage broker

    None

    89

  3. Settlement process and costs

    None

    57

  4. Credit decision / Underwriting

    None

    28

  5. Incorrect information on your report

    Account status incorrect

    17

  6. Incorrect information on your report

    Account information incorrect

    10

  7. Other

    None

    9

  8. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    7

  9. Problem with a credit reporting company's investigation into an existing problem

    Their investigation did not fix an error on your report

    7

  10. Improper use of your report

    Reporting company used your report improperly

    3

  11. Credit monitoring or identity theft protection services

    Problem with product or service terms changing

    2

  12. Credit monitoring or identity theft protection services

    Billing dispute for services

    1

  13. Credit monitoring or identity theft protection services

    Didn't receive services that were advertised

    1

  14. Improper use of your report

    Credit inquiries on your report that you don't recognize

    1

  15. Incorrect information on your report

    Information belongs to someone else

    1

  16. Problem with a credit reporting company's investigation into an existing problem

    Problem with personal statement of dispute

    1

States

  1. California

    487

  2. Florida

    393

  3. Texas

    264

  4. Michigan

    223

  5. Georgia

    148

View all states (56)

  1. New York

    135

  2. Maryland

    126

  3. North Carolina

    120

  4. New Jersey

    109

  5. Illinois

    106

  6. Washington

    106

  7. Colorado

    103

  8. Arizona

    93

  9. Pennsylvania

    89

  10. Ohio

    84

  11. Virginia

    82

  12. Massachusetts

    63

  13. None

    57

  14. Wisconsin

    55

  15. Missouri

    54

  16. Oregon

    50

  17. South Carolina

    48

  18. Minnesota

    42

  19. Tennessee

    38

  20. Louisiana

    37

  21. Nevada

    36

  22. Connecticut

    32

  23. Indiana

    30

  24. Utah

    28

  25. Alabama

    27

  26. Kansas

    25

  27. Oklahoma

    23

  28. New Hampshire

    18

  29. New Mexico

    18

  30. Kentucky

    17

  31. Idaho

    15

  32. Nebraska

    14

  33. District of Columbia

    13

  34. Iowa

    12

  35. Mississippi

    12

  36. Delaware

    11

  37. Arkansas

    10

  38. Hawaii

    10

  39. Rhode Island

    10

  40. U.S. Virgin Islands

    9

  41. Maine

    8

  42. Montana

    8

  43. South Dakota

    7

  44. West Virginia

    7

  45. Vermont

    4

  46. AE

    3

  47. Alaska

    2

  48. AA

    1

  49. North Dakota

    1

  50. Puerto Rico

    1

  51. Wyoming

    1

Company response

  1. Closed with explanation

    3,481

  2. Closed with monetary relief

    28

  3. Closed with non-monetary relief

    14

  4. Closed

    2

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    3,525

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Flagstar Bank, National Association
Display name
Flagstar Bank, National Association
Institution status
Active
FDIC insured
Yes
FDIC insured since
August 9, 1989
Established date
May 20, 1987
Charter class
National bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Office of the Comptroller of the Currency
Headquarters
Hicksville, NY, 11801, United States
Website
https://www.flagstar.com
FDIC certificate number
32541
Federal Reserve
694904
OCC charter number
25282
Domestic location count
345
Source observed
August 5, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
OCC
Institution type
National Bank
Primary activity
NAICS 52211
FDIC certificate
32541
Federal Reserve
694904
SS1TRMSN6BRNMOREEV51
Headquarters
102 Duffy Avenue, Hicksville, NY, 11801, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

Formal hierarchy

FFIEC NIC hierarchy rows

1

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
ROOT_INSTITUTIONFLAGSTAR BANK, NATIONAL ASSOCIATIONNational BankHicksville, NY

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured national bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

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Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

359

Showing 1 through 50 of 359 listed locations

Scroll sideways to see every branch column.

Showing 1 through 50 of 359 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CHANDLER FULTON RANCH BRANCH4979 S. Alma School RoadChandlerAZ85248
CHANDLER RAY BRANCH2975 West Ray RoadChandlerAZ85224
MESA BRANCH1545 South Power RoadMesaAZ85206
CENTRAL & CAMELBACK BRANCH100 East Camelback RoadPhoenixAZ85012
PARADISE VALLEY BRANCH10633 North Tatum BoulevardPhoenixAZ85028
PRESCOTT BRANCH3027 Dollar Mark WayPrescottAZ86305
SCOTTSDALE BRANCH6900 East Camelback Road, Suite 100ScottsdaleAZ85251
SHEA BRANCH8764 East Shea BoulevardScottsdaleAZ85260
SEDONA BRANCH2785 West State Route 89ASedonaAZ86336
VILLAGE OF OAK CREEK BRANCH7000 State Route 179SedonaAZ86351
SUN CITY BRANCH10706 West Bell RoadSun CityAZ85351
SURPRISE BRANCH14543 West Grand AvenueSurpriseAZ85374
ADELANTO BRANCH10474 Rancho RoadAdelantoCA92301
APPLE VALLEY BRANCH16003 Quantico RoadApple ValleyCA92307
BARSTOW BRANCH945 East Armory RoadBarstowCA92311
9665 WILSHIRE BOULEVARD BRANCH9665 Wilshire Boulevard, Suite 300Beverly HillsCA90212
E. GRAND AVENUE BRANCH1960 E. Grand Avenue, 11th FloorEl SegundoCA90245
FOLSOM BRANCH2365 Iron Point Road Suite 350FolsomCA95630
HESPERIA BRANCH15479 Main StreetHesperiaCA92345
BAYVIEW CIRCLE BRANCH100 Bayview Circle, 3rd FloorNewport BeachCA92660
EAST GUASTI ROAD BRANCH3257 East Guasti Road, Suite 320OntarioCA91761
PHELAN BRANCH4895 Phelan RoadPhelanCA92371
MISSION STREET BRANCH201 Mission Street, 26th FloorSan FranciscoCA94105
WEST ST. JOHN STREET BRANCH111 West St. John Street, Suite 1120San JoseCA95113
VICTORVILLE DRIVE-UP BRANCH12470 Hesperian RoadVictorvilleCA92395
VICTORVILLE NORTH BRANCH14800 LA Paz DriveVictorvilleCA92395
BURBANK BOULEVARD BRANCH21255 Burbank Boulevard, 3rd FloorWoodland HillsCA91367
WRIGHTWOOD BRANCH1261 Highway 2WrightwoodCA92397
75 HOLLY HILL BRANCH75 Holly Hill LaneGreenwichCT06830
BOCA RATON BRANCH5550 Glades RoadBoca RatonFL33431
MISSION BAY BRANCH20423 State Road 7Boca RatonFL33498
BOYNTON BEACH BRANCH127 N Congress AvenueBoynton BeachFL33426
WEST BOYNTON BRANCH8772 Boynton Beach BoulevardBoynton BeachFL33472
CORAL GABLES BRANCH2701 Ponce DE LeonCoral GablesFL33134
CORAL SPRINGS BRANCH3001 University DriveCoral SpringsFL33065
DEERFIELD BRANCH3600 West Hillsboro BoulevardDeerfield BeachFL33442
DELRAY BEACH BRANCH7499 West Atlantic AvenueDelray BeachFL33446
DELRAY BEACH EAST BRANCH1676 South Federal HighwayDelray BeachFL33483
DORAL BRANCH9747 NW 41 StreetDoralFL33178
ESTERO BRANCH23050 Via VillagioEsteroFL33928
GALT OCEAN MILE BRANCH3700 North Ocean BoulevardFort LauderdaleFL33308
HOLLYWOOD BRANCH5461 Sheridan StreetHollywoodFL33021
CHARLESTON SQUARE BRANCH6528 Hypoluxo RoadLake WorthFL33467
LAKE WORTH BRANCH6404 Lake Worth RoadLake WorthFL33463
MIAMI BEACH BRANCH447 Arthur Godfrey RoadMiami BeachFL33140
NAPLES BRANCH2315 Vanderbilt Beach RoadNaplesFL34109
230 ROYAL PALM WAY230 Royal Palm WayPalm BeachFL33480
PALM BEACH GARDENS BRANCH11375 Legacy AvenuePalm Beach GardensFL33410
PEMBROKE PINES BRANCH15870 Pines Blvd.Pembroke PinesFL33027
PLANTATION BRANCH8211 West Broward Blvd.PlantationFL33324

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

13

Showing 1 through 13 of 13 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
October 18, 2025Charter Discontinued (Merger or Purchase & Assumption)FLAGSTAR FINANCIAL, INC.
March 20, 2023Charter Discontinued (Merger or Purchase & Assumption)SIGNATURE BRIDGE BANK, NATIONAL ASSOCIATION
December 1, 2022Charter Discontinued (Merger or Purchase & Assumption)—
December 1, 2018Charter Discontinued (Merger or Purchase & Assumption)—
June 29, 2012Sale of AssetsAURORA BANK FSB
March 27, 2010Failure - Government Assistance ProvidedDESERT HILLS BANK
December 5, 2009Failure - Government Assistance ProvidedAMTRUST BANK
October 1, 2007Charter Discontinued (Merger or Purchase & Assumption)—
April 2, 2007Charter Discontinued (Merger or Purchase & Assumption)—
November 1, 2003Charter Discontinued (Merger or Purchase & Assumption)—
August 1, 2001Charter Discontinued (Merger or Purchase & Assumption)—
February 1, 2001Charter Discontinued (Merger or Purchase & Assumption)—
June 13, 1992Failure - Government Assistance ProvidedAMERICAN SAVINGS BANK

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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