HMDA records
19,262
2025
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.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
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 Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.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.
Request a correctionAt 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.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
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.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 19,262 | 9,656 | 328 | 5,397 | 3,289 | 35.1% |
| 2024 | 67,778 | 29,443 | 626 | 12,533 | 7,523 | 29.4% |
| 2023 | 78,592 | 30,523 | 799 | 14,009 | 8,561 | 30.9% |
| 2022 | 132,594 | 61,202 | 1,159 | 20,592 | 14,286 | 24.8% |
| 2021 | 214,632 | 111,025 | 1,743 | 25,898 | 20,133 | 18.7% |
| 2020 | 211,014 | 122,118 | 1,808 | 26,340 | 19,934 | 17.5% |
| 2019 | 155,157 | 83,771 | 1,531 | 20,924 | 10,234 | 19.7% |
| 2018 | 150,999 | 73,925 | 1,622 | 22,016 | 5,393 | 22.6% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 14,716 |
| FHA | 3,411 |
| VA | 957 |
| RHS / FSA | 178 |
| Home purchase | 10,579 |
| Home improvement | 575 |
| Refinancing | 1,862 |
| Cash-out refinancing | 5,020 |
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.
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
| Year | Complaint records |
|---|---|
| 2012 | 36 |
| 2013 | 447 |
| 2014 | 416 |
| 2015 | 339 |
| 2016 | 234 |
| 2017 | 178 |
| 2018 | 193 |
| 2019 | 352 |
| 2020 | 372 |
| 2021 | 475 |
| 2022 | 483 |
Leading issues
Trouble during payment process
None
1,145
Loan modification,collection,foreclosure
None
844
Struggling to pay mortgage
None
517
Loan servicing, payments, escrow account
None
499
Applying for a mortgage or refinancing an existing mortgage
None
178
View all issues (21)
Closing on a mortgage
None
108
Application, originator, mortgage broker
None
89
Settlement process and costs
None
57
Credit decision / Underwriting
None
28
Incorrect information on your report
Account status incorrect
17
Incorrect information on your report
Account information incorrect
10
Other
None
9
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
7
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
7
Improper use of your report
Reporting company used your report improperly
3
Credit monitoring or identity theft protection services
Problem with product or service terms changing
2
Credit monitoring or identity theft protection services
Billing dispute for services
1
Credit monitoring or identity theft protection services
Didn't receive services that were advertised
1
Improper use of your report
Credit inquiries on your report that you don't recognize
1
Incorrect information on your report
Information belongs to someone else
1
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
1
States
California
487
Florida
393
Texas
264
Michigan
223
Georgia
148
View all states (56)
New York
135
Maryland
126
North Carolina
120
New Jersey
109
Illinois
106
Washington
106
Colorado
103
Arizona
93
Pennsylvania
89
Ohio
84
Virginia
82
Massachusetts
63
None
57
Wisconsin
55
Missouri
54
Oregon
50
South Carolina
48
Minnesota
42
Tennessee
38
Louisiana
37
Nevada
36
Connecticut
32
Indiana
30
Utah
28
Alabama
27
Kansas
25
Oklahoma
23
New Hampshire
18
New Mexico
18
Kentucky
17
Idaho
15
Nebraska
14
District of Columbia
13
Iowa
12
Mississippi
12
Delaware
11
Arkansas
10
Hawaii
10
Rhode Island
10
U.S. Virgin Islands
9
Maine
8
Montana
8
South Dakota
7
West Virginia
7
Vermont
4
AE
3
Alaska
2
AA
1
North Dakota
1
Puerto Rico
1
Wyoming
1
Company response
Closed with explanation
3,481
Closed with monetary relief
28
Closed with non-monetary relief
14
Closed
2
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
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.
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.
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
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | FLAGSTAR BANK, NATIONAL ASSOCIATION | National Bank | Hicksville, 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.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
359
Showing 151 through 200 of 359 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| NOVI / NOVI ROAD OFFICE | 24235 Novi Road | Novi | MI | 48375 |
| NOVI OFFICE | 31110 Novi Road | Novi | MI | 48377 |
| OKEMOS OFFICE | 1801 West Grand River Avenue | Okemos | MI | 48864 |
| KALAMAZOO OFFICE | 6560 West Main Street | Oshtemo Township | MI | 49009 |
| OXFORD OFFICE | 425 North Lapeer Road | Oxford | MI | 48371 |
| PONTIAC OFFICE | 1648 North Perry Street | Pontiac | MI | 48340 |
| PORTAGE OFFICE | 475 Romence Road | Portage | MI | 49024 |
| ROCHESTER / ORION ROAD OFFICE | 4542 Orion Road | Rochester | MI | 48306 |
| ROCHESTER OFFICE | 1001 North Main Street | Rochester | MI | 48307 |
| ROCHESTER HILLS OFFICE | 2744 Adams Road | Rochester Hills | MI | 48309 |
| SAINT CLAIR SHORES OFFICE | 23108 Harper | Saint Clair Shores | MI | 48080 |
| SAINT JOSEPH OFFICE | 2829 Niles Avenue | Saint Joseph | MI | 49085 |
| SHELBY TOWNSHIP / SABRINA OFFICE | 50891 Sabrina Drive | Shelby Township | MI | 48315 |
| SOUTHGATE OFFICE | 15783 Eureka Road | Southgate | MI | 48195 |
| STEPHENSON BRANCH | S938 US Highway 41 | Stephenson | MI | 49887 |
| STERLING HEIGHTS / 15 MILE ROAD OFFICE | 13427 15 Mile Road | Sterling Heights | MI | 48312 |
| STERLING HEIGHTS / 16 MILE OFFICE | 37070 Mound Road | Sterling Heights | MI | 48310 |
| STERLING HEIGHTS / MOUND ROAD OFFICE | 44691 Mound Road | Sterling Heights | MI | 48314 |
| STERLING HEIGHTS/SCHOENHERR ROAD OFFICE | 43850 Schoenherr Road | Sterling Heights | MI | 48313 |
| STURGIS OFFICE | 1372 South Centerville Road | Sturgis | MI | 49091 |
| TAYLOR/PELHAM OFFICE | 10166 Pelham Road | Taylor | MI | 48180 |
| THREE RIVERS OFFICE | 760 South US Highway 131, Suite 1 | Three Rivers | MI | 49093 |
| TROY / BIG BEAVER ROAD OFFICE | 2050 West Big Beaver Road | Troy | MI | 48084 |
| TROY / ROCHESTER ROAD OFFICE | 5017 Rochester Road | Troy | MI | 48085 |
| WARREN / HAYES ROAD OFFICE | 31061 Hayes Road | Warren | MI | 48088 |
| WARREN/MOUND OFFICE | 30105 Mound Road | Warren | MI | 48092 |
| WATERFORD / COOLEY LAKE OFFICE | 7950 Cooley Lake RD | Waterford | MI | 48327 |
| WATERFORD OFFICE | 5105 Highland Road | Waterford | MI | 48327 |
| WEST BLOOMFIELD OFFICE | 33390 West 14 Mile Road | West Bloomfield | MI | 48322 |
| WEST BLOOMFIELD/ORCHARD LAKE OFFICE | 4400 Orchard Lake Road | West Bloomfield | MI | 48323 |
| WEST TRADE STREET BRANCH | 121 West Trade Street, Suite 1150 | Charlotte | NC | 28202 |
| 20TH STREET BRANCH | 441 Broadway | Bayonne | NJ | 07002 |
| BAYVILLE BRANCH | 340 US Highway 9 South | Bayville | NJ | 08721 |
| BRICK BRANCH | 688 Route 70 | Brick | NJ | 08723 |
| CALDWELL BRANCH | 265 Bloomfield Avenue | Caldwell | NJ | 07006 |
| CRANFORD BRANCH | 310 North Avenue East | Cranford | NJ | 07016 |
| EAST WINDSOR BRANCH | 761 Route 33 West | East Windsor | NJ | 08520 |
| ELIZABETH ELIZABETH AVENUE BRANCH | 715 Elizabeth Avenue | Elizabeth | NJ | 07201 |
| FARMINGDALE NJ BRANCH | 77 Main Street | Farmingdale | NJ | 07727 |
| FREEHOLD BRANCH | 101 Barkalow Avenue | Freehold | NJ | 07728 |
| HARRISON BRANCH | 410 Bergen ST | Harrison | NJ | 07029 |
| HOWELL BRANCH | 5149 Route 9 North | Howell | NJ | 07731 |
| ISELIN BRANCH | 1162 Green Street | Iselin | NJ | 08830 |
| KENILWORTH BRANCH | 15 Market Street | Kenilworth | NJ | 07033 |
| 1515 PINE STREET | 1515 Pine Street, Suite 150 | Lakewood | NJ | 08701 |
| LINDEN BRANCH | 225 North Wood Avenue | Linden | NJ | 07036 |
| MARLBORO BRANCH | 471 County Road 520 | Marlboro | NJ | 07746 |
| MATAWAN BRANCH | 168-170 Main Street | Matawan | NJ | 07747 |
| ORANGE ROAD MONTCLAIR BRANCH | 323 Orange Road | Montclair | NJ | 07042 |
| PACIFIC STREET BRANCH | 36 Pacific Street And New York Avenue | Newark | NJ | 07105 |
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.
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
| Event date | Event type | Related institution |
|---|---|---|
| October 18, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | FLAGSTAR FINANCIAL, INC. |
| March 20, 2023 | Charter Discontinued (Merger or Purchase & Assumption) | SIGNATURE BRIDGE BANK, NATIONAL ASSOCIATION |
| December 1, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 29, 2012 | Sale of Assets | AURORA BANK FSB |
| March 27, 2010 | Failure - Government Assistance Provided | DESERT HILLS BANK |
| December 5, 2009 | Failure - Government Assistance Provided | AMTRUST BANK |
| October 1, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 2, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2003 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 1, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 1, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 13, 1992 | Failure - Government Assistance Provided | AMERICAN 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.
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.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
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.
HMDA modified LAR
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.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.