Flagstar Bank Fsb Mortgage Rates, Fees & Info

Troy, MI

LEI: SS1TRMSN6BRNMOREEV51

Tax ID: 38-2734984

2020 Data | 2019 Data | 2018 Data


Overview

Flagstar Bank Fsb is a large bank specializing in Refi and Home Purchase loans. Flagstar Bank Fsb has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, Riverside, Anaheim, San Diego, and Warren among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Flagstar Bank Fsb is typically an average fee lendor.


Originations

121,216

Origination Dollar Volume (All Markets)

$36,792,330,000

Employee count

5,214

Relative Rate

Flagstar Bank Fsb's average 30 year fixed rate mortgage was 3.34%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.02%.

Relative Fees

Flagstar Bank Fsb's average total fees for a 30 year fixed rate mortgage are $4,630.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 110,040 $33,638,720,000 $305,695 $4,005 3.26%
FHA 5,820 $1,399,470,000 $240,459 $8,190 3.41%
VA 4,559 $1,623,265,000 $356,057 $5,678 3.16%
USDA 797 $130,875,000 $164,210 $5,215 3.51%

For the 2020 period, Flagstar Bank Fsb's most frequently originated loan type was Conventional, with 110,040 originations. Their 2nd most popular type is FHA, with 5,820 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 58,203 $18,160,135,000 $312,014 $3,403 3.13%
Home Purchase 43,558 $13,269,820,000 $304,647 $5,343 3.33%
Cash Out Refi 17,522 $5,072,440,000 $289,490 $4,600 3.45%
Other 1,076 $178,080,000 $165,502 $4,551 4.18%
Home Improvement 857 $111,855,000 $130,519 $4,015 4.42%

For the 2020, Flagstar Bank Fsb's most frequently cited loan purpose was Refi, with 58,203 originations. The 2nd most popular reason was Home Purchase, with 43,558 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 95,497 $30,193,505,000 $316,172 $4,547 3.34%
15 Year 16,120 $4,089,880,000 $253,715 $3,322 2.84%
20 Year 6,694 $1,738,370,000 $259,691 $3,229 3.21%
Other 1,877 $527,335,000 $280,946 $3,233 3.16%
10 Year 805 $151,145,000 $187,758 $2,759 3.00%
30+ year 146 $71,990,000 $493,082 $8,952 4.35%
3 Year 39 $18,775,000 $481,410 $100 6.19%
5 Year 38 $1,330,000 $35,000 $0 5.12%

For the 2020, Flagstar Bank Fsb's most frequently cited loan length was 30 Year, with 95,497 originations. The 2nd most popular length was 15 Year, with 16,120 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 53,906 $16,864,770,000 $312,855
$<1k 29,310 $8,398,040,000 $286,525
$2k-3k 13,695 $3,635,545,000 $265,465
$3k-4k 12,638 $3,827,120,000 $302,826
$5k+ 8,036 $3,550,950,000 $441,880

$4,630 was Flagstar Bank Fsb's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 53,906 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOS ANGELES-LONG BEACH-GLENDALE, CA 6,024 $2,467,220,000 $409,565 $4,239 3.21%
Outside of Metro Areas 8,931 $2,005,405,000 $224,544 $4,137 3.33%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 4,869 $1,566,955,000 $321,823 $4,680 3.28%
ANAHEIM-SANTA ANA-IRVINE, CA 3,349 $1,462,685,000 $436,753 $4,325 3.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 2,739 $1,179,115,000 $430,491 $5,012 3.22%
WARREN-TROY-FARMINGTON HILLS, MI 5,222 $1,116,390,000 $213,786 $2,607 3.33%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 3,922 $1,091,830,000 $278,386 $5,491 3.23%
PHOENIX-MESA-CHANDLER, AZ 3,499 $1,005,395,000 $287,338 $3,482 3.31%
OAKLAND-BERKELEY-LIVERMORE, CA 2,084 $960,820,000 $461,046 $3,865 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 2,656 $937,800,000 $353,087 $3,928 3.23%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 1,655 $899,175,000 $543,308 $4,305 3.15%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 1,335 $840,285,000 $629,427 $4,942 3.17%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 2,806 $757,840,000 $270,078 $4,053 3.15%
SEATTLE-BELLEVUE-KENT, WA 1,748 $735,050,000 $420,509 $4,481 3.19%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 2,155 $709,045,000 $329,023 $4,161 3.15%
DENVER-AURORA-LAKEWOOD, CO 1,779 $603,925,000 $339,474 $3,528 3.25%
SANTA CRUZ-WATSONVILLE, CA 1,024 $541,710,000 $529,014 $5,626 3.27%
CHICAGO-NAPERVILLE-EVANSTON, IL 2,024 $515,650,000 $254,768 $3,853 3.18%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,738 $481,050,000 $276,784 $3,788 3.25%
SANTA ROSA-PETALUMA, CA 1,122 $478,280,000 $426,275 $4,763 3.28%
SAN LUIS OBISPO-PASO ROBLES, CA 998 $471,320,000 $472,265 $4,659 3.26%
DALLAS-PLANO-IRVING, TX 1,524 $437,070,000 $286,791 $5,133 3.23%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1,049 $395,425,000 $376,954 $4,848 3.19%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 1,269 $388,535,000 $306,174 $5,462 3.25%
BOISE CITY, ID 1,423 $380,965,000 $267,720 $5,071 3.25%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 1,223 $371,745,000 $303,962 $6,038 3.31%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 849 $345,485,000 $406,932 $8,351 3.29%
ORLANDO-KISSIMMEE-SANFORD, FL 1,325 $338,985,000 $255,838 $5,516 3.35%
LAS VEGAS-HENDERSON-PARADISE, NV 1,142 $324,620,000 $284,256 $4,416 3.35%
KANSAS CITY, MO-KS 1,352 $318,820,000 $235,814 $3,141 3.31%
DETROIT-DEARBORN-LIVONIA, MI 1,695 $312,535,000 $184,386 $2,939 3.40%
MIAMI-MIAMI BEACH-KENDALL, FL 1,018 $304,100,000 $298,723 $6,684 3.41%
PROVIDENCE-WARWICK, RI-MA 994 $299,300,000 $301,107 $3,445 3.09%
OXNARD-THOUSAND OAKS-VENTURA, CA 657 $274,055,000 $417,131 $3,957 3.24%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 1,021 $261,955,000 $256,567 $5,019 3.28%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 973 $260,255,000 $267,477 $3,586 3.26%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 743 $251,015,000 $337,840 $5,504 3.27%
VALLEJO, CA 703 $246,745,000 $350,989 $5,409 3.25%
NEW BRUNSWICK-LAKEWOOD, NJ 669 $220,985,000 $330,321 $4,923 3.18%
SALT LAKE CITY, UT 733 $215,145,000 $293,513 $3,396 3.22%
NAPA, CA 503 $207,295,000 $412,117 $5,559 3.30%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 551 $206,105,000 $374,056 $3,789 3.00%
MILWAUKEE-WAUKESHA, WI 708 $179,130,000 $253,008 $1,975 3.29%
OGDEN-CLEARFIELD, UT 622 $178,250,000 $286,576 $3,549 3.15%
BALTIMORE-COLUMBIA-TOWSON, MD 577 $176,195,000 $305,364 $4,611 3.18%
NASSAU COUNTY-SUFFOLK COUNTY, NY 400 $165,370,000 $413,425 $8,950 3.34%
SPOKANE-SPOKANE VALLEY, WA 626 $157,340,000 $251,342 $4,794 3.24%
LANSING-EAST LANSING, MI 945 $154,165,000 $163,138 $2,877 3.35%
NORTH PORT-SARASOTA-BRADENTON, FL 540 $149,930,000 $277,648 $5,267 3.33%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 417 $149,885,000 $359,436 $3,737 3.10%
FRESNO, CA 518 $149,570,000 $288,745 $3,966 3.26%
CAPE CORAL-FORT MYERS, FL 553 $147,385,000 $266,519 $4,408 3.23%
SAN RAFAEL, CA 243 $144,815,000 $595,947 $5,266 3.25%
EUGENE-SPRINGFIELD, OR 496 $141,870,000 $286,028 $6,260 3.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN 623 $135,255,000 $217,103 $3,177 3.29%
BOSTON, MA 353 $129,595,000 $367,125 $3,990 3.13%
ST. LOUIS, MO-IL 589 $129,485,000 $219,839 $3,208 3.37%
URBAN HONOLULU, HI 266 $126,670,000 $476,203 $4,905 3.11%
STOCKTON, CA 375 $125,735,000 $335,293 $3,731 3.22%
RENO, NV 378 $121,880,000 $322,434 $3,891 3.30%
CHARLESTON-NORTH CHARLESTON, SC 391 $121,495,000 $310,729 $3,349 3.21%
TACOMA-LAKEWOOD, WA 371 $121,065,000 $326,321 $4,398 3.21%
KENNEWICK-RICHLAND, WA 431 $118,545,000 $275,046 $4,127 3.23%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 395 $115,035,000 $291,228 $3,973 3.16%
PROVO-OREM, UT 385 $114,025,000 $296,169 $3,367 3.21%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 449 $113,015,000 $251,704 $5,044 3.30%
GRAND RAPIDS-KENTWOOD, MI 647 $110,185,000 $170,301 $2,990 3.53%
OLYMPIA-LACEY-TUMWATER, WA 340 $109,570,000 $322,265 $5,128 3.20%
SAN ANTONIO-NEW BRAUNFELS, TX 414 $109,330,000 $264,082 $5,284 3.31%
LAKE HAVASU CITY-KINGMAN, AZ 424 $108,320,000 $255,472 $4,447 3.56%
PORT ST. LUCIE, FL 432 $105,510,000 $244,236 $5,392 3.29%
RALEIGH-CARY, NC 357 $99,855,000 $279,706 $3,208 3.21%
GREEN BAY, WI 486 $98,300,000 $202,263 $2,264 3.20%
SALINAS, CA 204 $93,230,000 $457,010 $4,975 3.24%
REDDING, CA 342 $91,680,000 $268,070 $4,574 3.28%
ALBUQUERQUE, NM 367 $89,895,000 $244,946 $4,141 3.30%
NEW ORLEANS-METAIRIE, LA 354 $87,280,000 $246,554 $4,692 3.33%
TUCSON, AZ 356 $85,580,000 $240,393 $4,409 3.34%
NAPLES-MARCO ISLAND, FL 267 $85,565,000 $320,468 $4,892 3.19%
JACKSONVILLE, FL 314 $85,450,000 $272,134 $5,017 3.28%
FORT COLLINS, CO 270 $85,130,000 $315,296 $3,247 3.31%
COLUMBUS, OH 385 $84,495,000 $219,468 $3,925 3.41%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 332 $83,420,000 $251,265 $3,895 3.29%
ANN ARBOR, MI 330 $78,610,000 $238,212 $3,204 3.28%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 336 $78,440,000 $233,452 $2,908 3.18%
OMAHA-COUNCIL BLUFFS, NE-IA 350 $78,060,000 $223,029 $3,578 3.33%
COEUR D'ALENE, ID 290 $77,610,000 $267,621 $5,546 3.37%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 347 $76,735,000 $221,138 $5,028 3.43%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 371 $76,355,000 $205,809 $3,581 3.37%
NEWARK, NJ-PA 230 $75,090,000 $326,478 $5,094 3.30%
PITTSBURGH, PA 361 $72,765,000 $201,565 $4,675 3.29%
BEND, OR 219 $70,995,000 $324,178 $4,742 3.33%
ALBANY-SCHENECTADY-TROY, NY 276 $69,260,000 $250,942 $4,898 3.11%
GREENVILLE-ANDERSON, SC 297 $68,225,000 $229,714 $3,623 3.20%
SALEM, OR 253 $67,405,000 $266,423 $4,410 3.35%
COLORADO SPRINGS, CO 231 $64,765,000 $280,368 $3,349 3.33%
IDAHO FALLS, ID 245 $61,385,000 $250,551 $5,861 3.21%
PALM BAY-MELBOURNE-TITUSVILLE, FL 248 $61,170,000 $246,653 $5,223 3.39%
SANTA MARIA-SANTA BARBARA, CA 148 $58,740,000 $396,892 $4,897 3.22%
ELGIN, IL 256 $58,480,000 $228,438 $3,852 3.14%
BATON ROUGE, LA 220 $57,210,000 $260,045 $4,800 3.18%
ASHEVILLE, NC 191 $55,095,000 $288,455 $3,884 3.20%
GREELEY, CO 180 $55,000,000 $305,556 $3,509 3.31%
MEMPHIS, TN-MS-AR 247 $53,485,000 $216,538 $4,228 3.35%
BAKERSFIELD, CA 221 $51,995,000 $235,271 $3,854 3.28%
JACKSON, MI 363 $51,875,000 $142,906 $3,396 3.64%
MODESTO, CA 188 $51,860,000 $275,851 $3,644 3.35%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 211 $48,295,000 $228,886 $4,094 3.16%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 164 $46,780,000 $285,244 $4,963 3.06%
BRIDGEPORT-STAMFORD-NORWALK, CT 147 $45,505,000 $309,558 $5,352 3.19%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 170 $45,490,000 $267,588 $4,569 3.26%
PHILADELPHIA, PA 169 $43,455,000 $257,130 $5,728 3.28%
FLINT, MI 272 $41,250,000 $151,654 $3,113 3.52%
RICHMOND, VA 160 $40,430,000 $252,688 $5,469 3.32%
CAMDEN, NJ 169 $40,315,000 $238,550 $4,443 3.21%
ALBANY, GA 215 $39,925,000 $185,698 $4,433 3.40%
BOULDER, CO 96 $39,840,000 $415,000 $3,987 3.24%
FORT WAYNE, IN 330 $39,830,000 $120,697 $3,251 3.57%
OKLAHOMA CITY, OK 175 $39,615,000 $226,371 $3,913 3.33%
WORCESTER, MA-CT 161 $39,185,000 $243,385 $3,539 3.11%
BIRMINGHAM-HOOVER, AL 179 $38,695,000 $216,173 $2,852 3.21%
LAKELAND-WINTER HAVEN, FL 192 $37,900,000 $197,396 $5,379 3.49%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 145 $37,775,000 $260,517 $3,120 3.15%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 131 $37,715,000 $287,901 $6,165 3.28%
SANTA FE, NM 113 $37,355,000 $330,575 $4,207 3.25%
SAVANNAH, GA 158 $37,100,000 $234,810 $4,449 3.32%
NEW HAVEN-MILFORD, CT 175 $37,095,000 $211,971 $5,217 3.07%
SIOUX FALLS, SD 155 $36,835,000 $237,645 $3,862 3.10%
LAREDO, TX 180 $36,790,000 $204,389 $5,423 3.23%
CLARKSVILLE, TN-KY 161 $36,455,000 $226,429 $4,057 3.64%
WICHITA, KS 203 $35,085,000 $172,833 $3,522 3.39%
LEXINGTON-FAYETTE, KY 185 $35,015,000 $189,270 $2,932 3.19%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 141 $34,835,000 $247,057 $3,016 3.30%
ANCHORAGE, AK 99 $34,235,000 $345,808 $4,442 3.10%
BILLINGS, MT 132 $32,470,000 $245,985 $4,789 3.10%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 95 $32,165,000 $338,579 $4,693 3.18%
PRESCOTT VALLEY-PRESCOTT, AZ 107 $30,045,000 $280,794 $3,759 3.26%
HUNTSVILLE, AL 133 $29,805,000 $224,098 $5,089 3.26%
ST. GEORGE, UT 112 $29,700,000 $265,179 $3,350 3.21%
BISMARCK, ND 118 $29,230,000 $247,712 $4,565 3.14%
WILMINGTON, NC 44 $29,000,000 $659,091 $3,720 3.31%
WINSTON-SALEM, NC 117 $28,635,000 $244,744 $3,861 3.21%
CLEVELAND-ELYRIA, OH 149 $28,495,000 $191,242 $5,008 3.43%
VISALIA, CA 113 $28,015,000 $247,920 $3,895 3.32%
MADISON, WI 106 $27,040,000 $255,094 $2,967 3.38%
LOGAN, UT-ID 115 $26,975,000 $234,565 $3,737 3.12%
ALBANY-LEBANON, OR 106 $26,970,000 $254,434 $4,872 3.29%
DURHAM-CHAPEL HILL, NC 90 $26,320,000 $292,444 $3,211 3.16%
COLUMBIA, SC 124 $26,190,000 $211,210 $3,854 3.43%
SHEBOYGAN, WI 145 $25,995,000 $179,276 $2,279 3.24%
KALAMAZOO-PORTAGE, MI 154 $25,950,000 $168,506 $3,086 3.42%
HARRISBURG-CARLISLE, PA 130 $25,640,000 $197,231 $4,822 3.15%
SPARTANBURG, SC 130 $25,400,000 $195,385 $4,051 3.30%
ALTOONA, PA 164 $25,350,000 $154,573 $4,057 3.27%
CINCINNATI, OH-KY-IN 120 $25,330,000 $211,083 $4,063 3.34%
COLLEGE STATION-BRYAN, TX 98 $24,340,000 $248,367 $4,572 3.20%
KAHULUI-WAILUKU-LAHAINA, HI 50 $23,950,000 $479,000 $4,997 3.11%
DES MOINES-WEST DES MOINES, IA 106 $23,640,000 $223,019 $3,936 3.13%
KILLEEN-TEMPLE, TX 110 $22,790,000 $207,182 $4,443 3.39%
BEAUMONT-PORT ARTHUR, TX 110 $22,230,000 $202,091 $5,029 3.16%
AUGUSTA-RICHMOND COUNTY, GA-SC 110 $20,170,000 $183,364 $4,500 3.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 83 $19,785,000 $238,373 $4,948 3.21%
EAU CLAIRE, WI 121 $19,755,000 $163,264 $3,314 3.45%
PORTLAND-SOUTH PORTLAND, ME 81 $19,665,000 $242,778 $5,175 3.16%
PENSACOLA-FERRY PASS-BRENT, FL 81 $19,605,000 $242,037 $3,941 3.36%
MISSOULA, MT 69 $19,435,000 $281,667 $4,222 3.15%
FLAGSTAFF, AZ 62 $19,330,000 $311,774 $3,413 3.24%
ST. CLOUD, MN 78 $19,100,000 $244,872 $3,737 3.11%
MANCHESTER-NASHUA, NH 73 $19,085,000 $261,438 $2,960 3.19%
OCALA, FL 105 $18,435,000 $175,571 $5,524 3.50%
GAINESVILLE, GA 71 $18,345,000 $258,380 $5,184 3.17%
LAFAYETTE, LA 90 $18,220,000 $202,444 $3,957 3.12%
APPLETON, WI 81 $17,865,000 $220,556 $2,526 3.14%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 51 $16,315,000 $319,902 $5,277 3.30%
CHICO, CA 52 $16,180,000 $311,154 $4,218 3.29%
BELLINGHAM, WA 47 $16,095,000 $342,447 $4,430 3.35%
CHATTANOOGA, TN-GA 72 $15,980,000 $221,944 $3,282 3.33%
MADERA, CA 60 $15,960,000 $266,000 $4,711 3.29%
LINCOLN, NE 73 $15,955,000 $218,562 $2,324 3.12%
SALISBURY, MD-DE 63 $15,845,000 $251,508 $3,959 3.20%
MEDFORD, OR 54 $15,420,000 $285,556 $4,064 3.26%
YUBA CITY, CA 57 $15,045,000 $263,947 $4,008 3.19%
MONROE, MI 79 $14,575,000 $184,494 $3,171 3.28%
LAWRENCE, KS 58 $14,230,000 $245,345 $2,545 3.14%
GREAT FALLS, MT 68 $14,130,000 $207,794 $5,173 3.21%
KNOXVILLE, TN 60 $13,880,000 $231,333 $3,880 3.27%
RACINE, WI 65 $13,745,000 $211,462 $3,061 3.26%
PUNTA GORDA, FL 59 $13,525,000 $229,237 $4,839 3.28%
WILMINGTON, DE-MD-NJ 54 $13,270,000 $245,741 $3,837 3.25%
JACKSON, MS 64 $13,030,000 $203,594 $4,204 3.37%
GARY, IN 63 $12,935,000 $205,317 $2,933 3.40%
GREENSBORO-HIGH POINT, NC 59 $12,915,000 $218,898 $3,930 3.22%
MCALLEN-EDINBURG-MISSION, TX 58 $12,850,000 $221,552 $5,983 3.45%
SEBASTIAN-VERO BEACH, FL 57 $12,725,000 $223,246 $4,362 3.29%
NILES, MI 84 $12,690,000 $151,071 $3,300 3.52%
LONGVIEW, WA 43 $12,605,000 $293,140 $4,090 3.31%
MOUNT VERNON-ANACORTES, WA 43 $12,565,000 $292,209 $3,615 3.14%
BARNSTABLE TOWN, MA 39 $12,485,000 $320,128 $4,258 3.04%
CHAMPAIGN-URBANA, IL 63 $12,165,000 $193,095 $2,352 3.13%
CORVALLIS, OR 39 $12,005,000 $307,821 $4,849 3.30%
SEBRING-AVON PARK, FL 72 $11,660,000 $161,944 $4,309 3.59%
AKRON, OH 59 $11,425,000 $193,644 $3,908 3.28%
ERIE, PA 77 $11,425,000 $148,377 $4,851 3.44%
BATTLE CREEK, MI 87 $11,215,000 $128,908 $3,483 3.68%
YAKIMA, WA 56 $11,060,000 $197,500 $3,864 3.43%
BUFFALO-CHEEKTOWAGA, NY 69 $10,985,000 $159,203 $4,785 3.39%
CHARLOTTESVILLE, VA 36 $10,610,000 $294,722 $4,423 3.11%
TRENTON-PRINCETON, NJ 49 $10,395,000 $212,143 $4,653 3.40%
MERCED, CA 46 $10,320,000 $224,348 $3,358 3.53%
CAPE GIRARDEAU, MO-IL 64 $10,280,000 $160,625 $3,454 3.27%
SOUTH BEND-MISHAWAKA, IN-MI 76 $10,210,000 $134,342 $3,006 3.58%
FARGO, ND-MN 41 $9,485,000 $231,341 $3,971 3.24%
HILTON HEAD ISLAND-BLUFFTON, SC 34 $8,970,000 $263,824 $4,032 3.22%
SPRINGFIELD, MA 39 $8,855,000 $227,051 $4,600 3.34%
CARSON CITY, NV 32 $8,750,000 $273,438 $3,759 3.28%
TULSA, OK 37 $8,445,000 $228,243 $4,109 3.22%
CORPUS CHRISTI, TX 33 $8,195,000 $248,333 $5,868 3.22%
TOPEKA, KS 44 $8,120,000 $184,545 $2,685 3.47%
DAPHNE-FAIRHOPE-FOLEY, AL 39 $8,005,000 $205,256 $3,437 3.07%
DECATUR, AL 37 $7,985,000 $215,811 $5,126 3.32%
TWIN FALLS, ID 28 $7,750,000 $276,786 $5,719 3.15%
JOHNSTOWN, PA 55 $7,745,000 $140,818 $4,487 3.48%
COLUMBIA, MO 38 $7,670,000 $201,842 $3,139 3.17%
MORGANTOWN, WV 33 $7,605,000 $230,455 $4,411 3.17%
WACO, TX 37 $7,535,000 $203,649 $3,935 3.35%
NORWICH-NEW LONDON, CT 29 $7,335,000 $252,931 $4,755 3.17%
GLENS FALLS, NY 40 $7,040,000 $176,000 $4,323 3.15%
HANFORD-CORCORAN, CA 29 $6,895,000 $237,759 $4,137 3.13%
MOBILE, AL 43 $6,845,000 $159,186 $4,087 3.27%
WENATCHEE, WA 20 $6,740,000 $337,000 $4,500 2.97%
GRAND JUNCTION, CO 21 $6,585,000 $313,571 $3,590 3.19%
DULUTH, MN-WI 28 $6,550,000 $233,929 $4,060 3.04%
TALLAHASSEE, FL 31 $6,535,000 $210,806 $5,542 3.25%
SIOUX CITY, IA-NE-SD 43 $6,505,000 $151,279 $4,054 3.39%
LANCASTER, PA 31 $6,495,000 $209,516 $4,085 3.14%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 37 $6,465,000 $174,730 $3,148 3.23%
WALLA WALLA, WA 26 $6,240,000 $240,000 $3,694 3.08%
JANESVILLE-BELOIT, WI 30 $6,230,000 $207,667 $2,940 3.45%
WINCHESTER, VA-WV 23 $5,945,000 $258,478 $5,686 3.26%
JOPLIN, MO 41 $5,835,000 $142,317 $3,259 3.35%
OSHKOSH-NEENAH, WI 31 $5,805,000 $187,258 $2,521 3.35%
LAKE CHARLES, LA 25 $5,685,000 $227,400 $3,530 3.45%
AUBURN-OPELIKA, AL 23 $5,605,000 $243,696 $3,766 3.30%
STATE COLLEGE, PA 21 $5,585,000 $265,952 $4,509 3.33%
TOLEDO, OH 37 $5,545,000 $149,865 $4,172 3.63%
THE VILLAGES, FL 25 $5,465,000 $218,600 $4,416 3.17%
LYNCHBURG, VA 27 $5,435,000 $201,296 $3,866 3.32%
EVANSVILLE, IN-KY 32 $5,330,000 $166,563 $3,173 3.20%
HAMMOND, LA 28 $5,320,000 $190,000 $4,867 3.45%
EL PASO, TX 27 $5,275,000 $195,370 $4,292 3.20%
HOMOSASSA SPRINGS, FL 24 $5,220,000 $217,500 $4,846 3.31%
HAGERSTOWN-MARTINSBURG, MD-WV 24 $5,180,000 $215,833 $4,974 2.98%
CANTON-MASSILLON, OH 31 $5,175,000 $166,935 $5,032 3.41%
BLOOMINGTON, IL 27 $5,145,000 $190,556 $2,606 2.74%
YORK-HANOVER, PA 25 $5,145,000 $205,800 $4,204 2.98%
ATHENS-CLARKE COUNTY, GA 24 $5,110,000 $212,917 $3,799 3.34%
EL CENTRO, CA 24 $5,060,000 $210,833 $3,517 3.16%
HICKORY-LENOIR-MORGANTON, NC 22 $4,930,000 $224,091 $4,315 3.37%
ROANOKE, VA 19 $4,835,000 $254,474 $4,269 3.41%
RAPID CITY, SD 20 $4,770,000 $238,500 $3,834 3.14%
TYLER, TX 19 $4,745,000 $249,737 $5,200 3.08%
BROWNSVILLE-HARLINGEN, TX 25 $4,585,000 $183,400 $4,908 3.16%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 22 $4,580,000 $208,182 $3,164 3.25%
MONTGOMERY, AL 19 $4,555,000 $239,737 $3,604 3.01%
ATLANTIC CITY-HAMMONTON, NJ 22 $4,530,000 $205,909 $3,728 3.13%
SPRINGFIELD, MO 25 $4,505,000 $180,200 $3,276 3.15%
MUSKEGON, MI 27 $4,495,000 $166,481 $3,381 3.56%
HOUMA-THIBODAUX, LA 25 $4,435,000 $177,400 $4,058 3.43%
SAGINAW, MI 35 $4,315,000 $123,286 $2,882 3.49%
SHERMAN-DENISON, TX 20 $4,270,000 $213,500 $4,673 3.27%
VALDOSTA, GA 25 $4,035,000 $161,400 $5,624 3.30%
LUBBOCK, TX 15 $4,015,000 $267,667 $4,409 3.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 28 $4,010,000 $143,214 $4,182 3.30%
GAINESVILLE, FL 22 $3,980,000 $180,909 $4,295 3.19%
PANAMA CITY, FL 18 $3,950,000 $219,444 $4,453 3.03%
FAYETTEVILLE, NC 27 $3,775,000 $139,815 $3,479 3.95%
ELKHART-GOSHEN, IN 20 $3,760,000 $188,000 $2,894 3.24%
READING, PA 23 $3,695,000 $160,652 $4,705 3.24%
CHEYENNE, WY 13 $3,655,000 $281,154 $4,797 3.15%
LEWISTON, ID-WA 16 $3,610,000 $225,625 $4,113 3.18%
MANKATO, MN 17 $3,575,000 $210,294 $3,253 3.40%
MANHATTAN, KS 17 $3,455,000 $203,235 $3,864 3.27%
BRUNSWICK, GA 11 $3,395,000 $308,636 $5,155 3.26%
CALIFORNIA-LEXINGTON PARK, MD 12 $3,380,000 $281,667 $5,986 3.36%
PUEBLO, CO 17 $3,335,000 $196,176 $3,602 3.23%
FLORENCE, SC 21 $3,255,000 $155,000 $3,780 3.04%
ROCHESTER, MN 16 $3,190,000 $199,375 $3,520 3.11%
BURLINGTON, NC 14 $3,190,000 $227,857 $3,106 3.11%
SHREVEPORT-BOSSIER CITY, LA 14 $3,120,000 $222,857 $3,677 3.10%
MICHIGAN CITY-LA PORTE, IN 25 $3,095,000 $123,800 $2,739 3.85%
MIDLAND, TX 13 $3,025,000 $232,692 $5,271 3.26%
CARBONDALE-MARION, IL 23 $2,845,000 $123,696 $2,815 3.57%
PEORIA, IL 13 $2,815,000 $216,538 $3,786 3.18%
FOND DU LAC, WI 16 $2,760,000 $172,500 $2,786 3.29%
BLOOMINGTON, IN 13 $2,735,000 $210,385 $2,290 3.31%
BAY CITY, MI 22 $2,720,000 $123,636 $2,735 3.39%
YUMA, AZ 13 $2,705,000 $208,077 $3,150 3.58%
GRANTS PASS, OR 9 $2,695,000 $299,444 $5,156 3.27%
KINGSTON, NY 12 $2,690,000 $224,167 $5,034 3.71%
ALEXANDRIA, LA 12 $2,630,000 $219,167 $5,076 3.55%
VICTORIA, TX 9 $2,625,000 $291,667 $5,046 3.49%
DAYTON-KETTERING, OH 13 $2,595,000 $199,615 $6,834 3.58%
DOVER, DE 11 $2,575,000 $234,091 $3,850 3.31%
OCEAN CITY, NJ 10 $2,550,000 $255,000 $4,176 3.25%
JEFFERSON CITY, MO 16 $2,540,000 $158,750 $3,020 3.42%
LAFAYETTE-WEST LAFAYETTE, IN 14 $2,500,000 $178,571 $3,060 3.46%
LONGVIEW, TX 11 $2,485,000 $225,909 $5,723 3.45%
HARRISONBURG, VA 11 $2,455,000 $223,182 $4,376 3.33%
POCATELLO, ID 13 $2,425,000 $186,538 $5,941 3.20%
JACKSONVILLE, NC 10 $2,420,000 $242,000 $4,206 2.96%
CASPER, WY 10 $2,380,000 $238,000 $3,841 3.07%
SAN ANGELO, TX 14 $2,240,000 $160,000 $3,281 3.22%
GULFPORT-BILOXI, MS 10 $2,180,000 $218,000 $3,986 3.56%
JOHNSON CITY, TN 8 $2,150,000 $268,750 $3,269 3.13%
AMARILLO, TX 6 $2,090,000 $348,333 $5,367 3.07%
SYRACUSE, NY 9 $2,055,000 $228,333 $4,554 3.43%
ROCKFORD, IL 14 $2,000,000 $142,857 $4,062 3.53%
FAIRBANKS, AK 7 $1,975,000 $282,143 $3,740 3.09%
SCRANTON--WILKES-BARRE, PA 15 $1,965,000 $131,000 $4,986 3.58%
EAST STROUDSBURG, PA 11 $1,945,000 $176,818 $5,626 3.25%
ABILENE, TX 9 $1,935,000 $215,000 $3,924 3.43%
ST. JOSEPH, MO-KS 9 $1,915,000 $212,778 $3,073 3.43%
SIERRA VISTA-DOUGLAS, AZ 9 $1,855,000 $206,111 $4,284 3.10%
WAUSAU-WESTON, WI 8 $1,810,000 $226,250 $2,936 3.19%
HATTIESBURG, MS 12 $1,800,000 $150,000 $4,708 3.30%
ROCHESTER, NY 15 $1,795,000 $119,667 $3,642 3.56%
FORT SMITH, AR-OK 11 $1,755,000 $159,545 $5,072 3.37%
MONROE, LA 8 $1,670,000 $208,750 $3,043 3.13%
BURLINGTON-SOUTH BURLINGTON, VT 6 $1,630,000 $271,667 $4,334 3.21%
PARKERSBURG-VIENNA, WV 12 $1,540,000 $128,333 $4,166 3.42%
KOKOMO, IN 9 $1,505,000 $167,222 $3,830 3.33%
WARNER ROBINS, GA 8 $1,500,000 $187,500 $2,692 3.16%
COLUMBUS, GA-AL 9 $1,495,000 $166,111 $3,806 3.01%
TUSCALOOSA, AL 6 $1,440,000 $240,000 $4,132 3.41%
DOTHAN, AL 7 $1,425,000 $203,571 $3,313 3.47%
CHAMBERSBURG-WAYNESBORO, PA 8 $1,400,000 $175,000 $4,397 3.21%
WHEELING, WV-OH 10 $1,370,000 $137,000 $4,114 3.40%
LAS CRUCES, NM 7 $1,355,000 $193,571 $3,797 3.58%
SPRINGFIELD, OH 10 $1,350,000 $135,000 $3,778 3.37%
LA CROSSE-ONALASKA, WI-MN 7 $1,335,000 $190,714 $3,518 3.49%
ODESSA, TX 7 $1,305,000 $186,429 $3,981 3.44%
MIDLAND, MI 9 $1,295,000 $143,889 $2,541 3.71%
PITTSFIELD, MA 6 $1,280,000 $213,333 $3,821 3.26%
VINELAND-BRIDGETON, NJ 6 $1,250,000 $208,333 $4,643 3.29%
GREENVILLE, NC 6 $1,250,000 $208,333 $3,396 3.48%
KANKAKEE, IL 6 $1,170,000 $195,000 $4,603 2.90%
MACON-BIBB COUNTY, GA 5 $1,145,000 $229,000 $7,244 2.99%
HUNTINGTON-ASHLAND, WV-KY-OH 6 $1,080,000 $180,000 $4,484 3.30%
KINGSPORT-BRISTOL, TN-VA 6 $1,040,000 $173,333 $3,267 3.29%
NEW BERN, NC 4 $1,020,000 $255,000 $4,383 2.94%
BOWLING GREEN, KY 6 $1,020,000 $170,000 $3,763 3.30%
ANNISTON-OXFORD, AL 5 $995,000 $199,000 $3,523 3.25%
LEWISTON-AUBURN, ME 6 $970,000 $161,667 $4,516 3.22%
SUMTER, SC 5 $945,000 $189,000 $4,046 3.61%
OWENSBORO, KY 4 $930,000 $232,500 $2,773 3.09%
COLUMBUS, IN 3 $925,000 $308,333 $1,864 2.84%
JACKSON, TN 5 $905,000 $181,000 $4,078 3.39%
IOWA CITY, IA 4 $880,000 $220,000 $4,030 3.46%
ELIZABETHTOWN-FORT KNOX, KY 6 $880,000 $146,667 $2,742 3.15%
ROME, GA 5 $855,000 $171,000 $3,327 3.44%
AMES, IA 4 $840,000 $210,000 $3,297 3.16%
GRAND FORKS, ND-MN 4 $830,000 $207,500 $3,270 3.58%
WICHITA FALLS, TX 3 $825,000 $275,000 $3,423 3.92%
MORRISTOWN, TN 6 $820,000 $136,667 $4,524 3.38%
HINESVILLE, GA 5 $805,000 $161,000 $3,285 3.65%
BLACKSBURG-CHRISTIANSBURG, VA 4 $780,000 $195,000 $2,335 3.04%
FARMINGTON, NM 5 $775,000 $155,000 $5,245 3.53%
CLEVELAND, TN 4 $770,000 $192,500 $4,530 3.00%
HOT SPRINGS, AR 4 $740,000 $185,000 $1,985 3.52%
WEIRTON-STEUBENVILLE, WV-OH 8 $730,000 $91,250 $3,420 3.61%
STAUNTON, VA 3 $715,000 $238,333 $4,390 3.12%
CEDAR RAPIDS, IA 6 $710,000 $118,333 $3,695 3.58%
TEXARKANA, TX-AR 3 $705,000 $235,000 $7,470 3.71%
DALTON, GA 5 $685,000 $137,000 $3,144 3.12%
DUBUQUE, IA 3 $655,000 $218,333 $2,435 3.20%
SPRINGFIELD, IL 4 $650,000 $162,500 $2,724 3.36%
MANSFIELD, OH 3 $625,000 $208,333 $5,974 3.73%
FLORENCE-MUSCLE SHOALS, AL 3 $555,000 $185,000 $3,379 3.34%
LIMA, OH 4 $500,000 $125,000 $5,212 3.85%
GETTYSBURG, PA 3 $475,000 $158,333 $4,442 3.27%
MUNCIE, IN 4 $470,000 $117,500 $3,514 3.58%
CHARLESTON, WV 2 $410,000 $205,000 $6,048 3.74%
BINGHAMTON, NY 2 $380,000 $190,000 $3,228 2.69%
ROCKY MOUNT, NC 1 $375,000 $375,000 $8,949 4.38%
DECATUR, IL 3 $345,000 $115,000 $2,102 3.25%
LAWTON, OK 3 $335,000 $111,667 $6,516 4.29%
GADSDEN, AL 2 $330,000 $165,000 $2,879 3.24%
GRAND ISLAND, NE 2 $330,000 $165,000 $2,317 2.98%
DANVILLE, IL 5 $295,000 $59,000 $2,090 3.51%
BLOOMSBURG-BERWICK, PA 1 $265,000 $265,000 $4,354 3.23%
UTICA-ROME, NY 2 $250,000 $125,000 $4,655 3.00%
PINE BLUFF, AR 2 $240,000 $120,000 $3,011 3.53%
WATERLOO-CEDAR FALLS, IA 2 $240,000 $120,000 $4,124 3.69%
BANGOR, ME 2 $230,000 $115,000 $1,103 3.37%
BECKLEY, WV 2 $200,000 $100,000 $4,469 3.56%
LEBANON, PA 1 $175,000 $175,000 $3,843 3.38%
TERRE HAUTE, IN 2 $170,000 $85,000 $3,797 3.44%
WILLIAMSPORT, PA 1 $145,000 $145,000 $6,795 3.25%
ENID, OK 2 $140,000 $70,000 $4,060 3.81%
CUMBERLAND, MD-WV 2 $110,000 $55,000 $4,236 5.13%
GOLDSBORO, NC 2 $90,000 $45,000 $2,443 4.00%

Flagstar Bank Fsb's top markets include Los Angeles, Riverside, Anaheim, San Diego, and Warren among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 63,838 $19,455,140,000 $304,758
2.5-3% 43,991 $14,002,705,000 $318,308
4-5% 6,929 $1,703,585,000 $245,863
<2.5% 4,798 $1,393,180,000 $290,367
5-6% 1,265 $217,735,000 $172,123
6-7% 243 $18,515,000 $76,193
7-8% 3 $95,000 $31,667
Over 8% 1 $5,000 $5,000

During 2020, Flagstar Bank Fsb's average interest rate was 3.34%, while their most frequently originated rate bucket was 3-4%, with 63,838 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 60,320 $17,395,930,000 $288,394 $4,135 3.19%
$100k-200k 26,837 $4,167,855,000 $155,303 $3,613 3.33%
$400k-600k 21,923 $10,400,535,000 $474,412 $4,905 3.19%
$100,000 or less 6,642 $438,760,000 $66,058 $3,029 3.82%
$600k-1MM 4,810 $3,448,350,000 $716,913 $7,186 3.34%
$1MM+ 684 $940,900,000 $1,375,585 $11,497 3.35%

2020 saw Flagstar Bank Fsb place emphasis on $200k-400k loans with 60,320 originations, totaling $17,395,930,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 30,890 $9,956,020,000 $322,306 $4,282 3.23%
$150k-250k 22,731 $8,737,125,000 $384,370 $4,457 3.23%
$50k-75k 22,291 $4,881,035,000 $218,969 $4,118 3.30%
$75k-100k 21,143 $5,767,245,000 $272,773 $4,222 3.25%
$50k or less 11,412 $1,734,170,000 $151,960 $3,847 3.39%
$250k+ 9,464 $4,615,450,000 $487,685 $5,214 3.28%

Flagstar Bank Fsb lent most frequently to those with incomes in the $100k-150k range, with 30,890 originations. The second most popular income band? $150k-250k, with 22,731 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 27,611 $8,224,005,000 $297,852 $3,823 3.19%
30-36% 22,103 $6,707,085,000 $303,447 $4,157 3.26%
<20% 10,251 $2,938,495,000 $286,654 $3,545 3.12%
44% 5,343 $1,578,655,000 $295,462 $4,728 3.41%
42% 4,801 $1,532,685,000 $319,243 $4,788 3.39%
43% 4,691 $1,375,105,000 $293,137 $4,600 3.36%
41% 4,469 $1,392,775,000 $311,652 $4,670 3.37%
39% 4,329 $1,334,455,000 $308,259 $4,458 3.33%
40% 4,316 $1,328,960,000 $307,915 $4,548 3.35%
38% 4,099 $1,271,015,000 $310,079 $4,487 3.34%
36% 3,876 $1,180,550,000 $304,579 $4,237 3.30%
37% 3,828 $1,184,600,000 $309,457 $4,396 3.29%
45% 3,505 $1,073,375,000 $306,241 $4,579 3.31%
49% 3,403 $1,071,465,000 $314,859 $4,698 3.27%
47% 3,045 $946,685,000 $310,898 $4,669 3.27%
48% 3,042 $964,230,000 $316,972 $4,670 3.27%
46% 3,024 $945,340,000 $312,612 $4,594 3.27%
50-60% 2,386 $701,890,000 $294,170 $8,004 3.35%
>60% 44 $17,330,000 $393,864 $5,110 3.29%

Flagstar Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 27,611 originations. The next most common DTI ratio? 30-36%, with 22,103 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 83,171 $24,454,775,000 $294,030 $4,344 3.29%
Not provided 19,366 $5,920,140,000 $305,698 $3,963 3.21%
Asian 13,916 $5,120,290,000 $367,943 $4,063 3.16%
Black 3,754 $961,130,000 $256,028 $5,357 3.40%
American Indian 495 $144,505,000 $291,929 $4,793 3.35%
Native Hawaiian 279 $98,165,000 $351,846 $4,802 3.31%
Asian Indian 120 $37,060,000 $308,833 $4,175 3.08%
Not applicable 4 $20,030,000 $5,007,500 $0 3.88%
Chinese 26 $8,800,000 $338,462 $3,056 3.19%
Other Asian 26 $8,420,000 $323,846 $5,466 3.18%
Filipino 26 $8,260,000 $317,692 $3,934 3.18%
Korean 11 $3,735,000 $339,545 $3,178 3.09%
Vietnamese 10 $3,010,000 $301,000 $3,763 3.19%
Japanese 6 $2,230,000 $371,667 $4,236 3.04%
Other Pacific Islander 4 $1,300,000 $325,000 $3,243 3.53%
Native Hawiian 1 $285,000 $285,000 $7,335 2.80%
Samoan 1 $195,000 $195,000 $4,189 3.88%

Approval Rates

Total approvals of all applications
86.45%

Flagstar Bank Fsb has an average approval rate.

Pick Rate

Approvals leading to origination
85.07%

Flagstar Bank Fsb has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 121,216 $36,792,330,000 $303,527

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 2 $19,810,000 $9,905,000
Single Family (1-4 Units):Manufactured 104 $16,910,000 $162,596
Single Family (1-4 Units):Site-Built 121,110 $36,755,610,000 $303,489

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 8,141 $2,101,135,000 $258,093 $3,418 3.20%
40-60% 23,906 $7,564,270,000 $316,417 $3,473 3.08%
60-80% 48,942 $15,717,510,000 $321,146 $4,143 3.27%
80-100% 36,932 $10,899,590,000 $295,126 $5,080 3.32%
Over 100% 671 $229,615,000 $342,198 $10,649 3.33%
Under 20% 2,615 $278,355,000 $106,446 $2,826 4.07%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Flagstar Bank, FSB 111 East Wayne Street Fort Wayne, IN 46802 Full Service B&M $32,307
Flagstar Bank, FSB 1 Yorkshire Drive Decatur, IN 46733 Full Service B&M $42,627
Flagstar Bank, FSB 100 East First Street Gillett, WI 54124 Full Service B&M $23,743
Flagstar Bank, FSB 100 East Wayne Street, Suite 100 South Bend, IN 46601 Full Service B&M $16,386
Flagstar Bank, FSB 1000 East Dupont Road Fort Wayne, IN 46825 Full Service B&M $59,412
Flagstar Bank, FSB 1000 N Main St Monticello, IN 47960 Full Service B&M $6,915
Flagstar Bank, FSB 1001 N. Main Street Rochester, MI 48307 Full Service B&M $127,247
Flagstar Bank, FSB 101 Broad Street Michigan Center, MI 49254 Full Service B&M $47,235
Flagstar Bank, FSB 101 South Main Street Bluffton, IN 46714 Full Service B&M $31,719
Flagstar Bank, FSB 101 West Washington Street Marquette, MI 49855 Full Service B&M $47,085
Flagstar Bank, FSB 10166 Pelham Street Taylor, MI 48180 Full Service B&M $45,622
Flagstar Bank, FSB 10325 Chestnut Plaza Drive Fort Wayne, IN 46814 Full Service B&M $146,824
Flagstar Bank, FSB 10474 Rancho Road Adelanto, CA 92301 Full Service B&M $19,478
Flagstar Bank, FSB 1300 N 3rd St. Marquette, MI 49855 Full Service B&M $36,990
Flagstar Bank, FSB 1303 College Avenue Houghton, MI 49931 Full Service B&M $58,294
Flagstar Bank, FSB 1311 South Latson Road Howell, MI 48843 Full Service B&M $51,953
Flagstar Bank, FSB 1329 Eighth Avenue Menominee, MI 49858 Full Service B&M $35,352
Flagstar Bank, FSB 13427 15 Mile Road Sterling Heights, MI 48312 Full Service B&M $82,564
Flagstar Bank, FSB 1372 S. Centerville Rd Sturgis, MI 49091 Full Service B&M $22,510
Flagstar Bank, FSB 13937 Silver Hill Road Mountain, WI 54149 Full Service B&M $11,654
Flagstar Bank, FSB 1400 East Lake Lansing Road East Lansing, MI 48823 Full Service B&M $38,850
Flagstar Bank, FSB 1401 Presque Isle Avenue Marquette, MI 49855 Full Service B&M $5,565
Flagstar Bank, FSB 147 North River Ave Holland, MI 49424 Full Service B&M $45,152
Flagstar Bank, FSB 14800 La Paz Drive Victorville, CA 92395 Full Service B&M $103,702
Flagstar Bank, FSB 14816 First Street Hoagland, IN 46745 Full Service B&M $22,891
Flagstar Bank, FSB 1507 Cleveland Avenue Marinette, WI 54143 Full Service Retail $7,619
Flagstar Bank, FSB 1536 State Rd 930 E New Haven, IN 46774 Full Service B&M $45,898
Flagstar Bank, FSB 15386 South Helmer Road Battle Creek, MI 49015 Full Service B&M $33,852
Flagstar Bank, FSB 1541 North Main Street Rushville, IN 46173 Full Service B&M $50,638
Flagstar Bank, FSB 15479 Main Street Hesperia, CA 92345 Full Service B&M $99,673
Flagstar Bank, FSB 15783 Eureka Southgate, MI 48195 Full Service B&M $58,510
Flagstar Bank, FSB 16003 Quantico Road Apple Valley, CA 92307 Full Service B&M $197,973
Flagstar Bank, FSB 1601 Briarwood Circle, Suite 100 Ann Arbor, MI 48108 Full Service B&M $80,467
Flagstar Bank, FSB 16390 Silver Parkway Fenton, MI 48430 Full Service B&M $68,155
Flagstar Bank, FSB 1648 N Perry Rd Pontiac, MI 48340 Full Service B&M $12,162
Flagstar Bank, FSB 16821 Kercheval Grosse Pointe, MI 48230 Full Service B&M $100,846
Flagstar Bank, FSB 1717 North West Avenue Jackson, MI 49202 Full Service B&M $52,631
Flagstar Bank, FSB 17250 Hayes St Grand Haven, MI 49417 Full Service B&M $48,087
Flagstar Bank, FSB 516 North Lincoln Road Escanaba, MI 49829 Full Service B&M $41,037
Flagstar Bank, FSB 17430 13 Mile Road Beverly Hills, MI 48025 Full Service B&M $52,294
Flagstar Bank, FSB 1801 Grand River Ave Okemos, MI 48864 Full Service B&M $69,227
Flagstar Bank, FSB 1805 South Stephenson Avenue Iron Mountain, MI 49801 Full Service B&M $30,683
Flagstar Bank, FSB 18411 Mack Ave Detroit, MI 48236 Full Service B&M $16,356
Flagstar Bank, FSB 1969 44th Street, Southeast Grand Rapids, MI 49508 Full Service B&M $44,666
Flagstar Bank, FSB 19733 Mack Avenue Grosse Pointe Woods, MI 48236 Full Service B&M $86,843
Flagstar Bank, FSB 200 S Van Buren St Auburn, IN 46706 Full Service B&M $30,242
Flagstar Bank, FSB 2000 Horton Road Jackson, MI 49203 Full Service B&M $68,674
Flagstar Bank, FSB 202 East Ninth Street Rochester, IN 46975 Full Service B&M $24,082
Flagstar Bank, FSB 20355 Hall Rd Macomb, MI 48044 Full Service B&M $61,171
Flagstar Bank, FSB 2050 W. Big Beaver Rd. Troy, MI 48084 Full Service B&M $92,114
Flagstar Bank, FSB 210 W Huron St Ann Arbor, MI 48104 Full Service B&M $38,255
Flagstar Bank, FSB 7016 South Cedar Street Lansing, MI 48911 Full Service B&M $27,051
Flagstar Bank, FSB 21427 W Grand River Ave Suite 140, Ste 140 Detroit, MI 48219 Full Service B&M $1,153
Flagstar Bank, FSB 2203 N. Telegraph Road Monroe, MI 48162 Full Service B&M $34,539
Flagstar Bank, FSB 2204 North Wayne Street Angola, IN 46703 Full Service B&M $54,138
Flagstar Bank, FSB 22322 Gratiot Eastpointe, MI 48021 Full Service B&M $33,383
Flagstar Bank, FSB 225 East Central Avenue Oconto Falls, WI 54154 Full Service B&M $17,409
Flagstar Bank, FSB 23108 Harper Saint Clair Shores, MI 48080 Full Service B&M $75,517
Flagstar Bank, FSB 2317 West Western Avenue South Bend, IN 46619 Full Service B&M $27,226
Flagstar Bank, FSB 234 West Genesee Street Iron River, MI 49935 Full Service B&M $22,632
Flagstar Bank, FSB 23636 West Rd Brownstown Township, MI 48183 Full Service B&M $72,322
Flagstar Bank, FSB 24235 Novi Rd. Novi, MI 48375 Full Service B&M $59,630
Flagstar Bank, FSB 245 Morton St Shipshewana, IN 46565 Full Service B&M $18,418
Flagstar Bank, FSB 26051 Crocker Boulevard Harrison Township, MI 48045 Full Service B&M $45,962
Flagstar Bank, FSB 26545 Ford Road Dearborn Heights, MI 48127 Full Service B&M $53,571
Flagstar Bank, FSB 2720 Guilford Street Huntington, IN 46750 Full Service B&M $30,546
Flagstar Bank, FSB 2744 S. Adams Rd. Rochester Hills, MI 48309 Full Service Retail $39,156
Flagstar Bank, FSB 28177 Orchard Lake Road Farmington Hills, MI 48334 Full Service B&M $84,151
Flagstar Bank, FSB 2829 Niles Avenue Saint Joseph, MI 49085 Full Service B&M $37,958
Flagstar Bank, FSB 28653 Woodward Ave Berkley, MI 48072 Full Service B&M $47,537
Flagstar Bank, FSB 29049 Joy Road Westland, MI 48185 Full Service B&M $52,009
Flagstar Bank, FSB 2926 Mishawaka Avenue South Bend, IN 46615 Full Service B&M $11,661
Flagstar Bank, FSB 301 South Main Street Brooklyn, MI 49230 Full Service B&M $53,007
Flagstar Bank, FSB 301 West Michigan Avenue Jackson, MI 49201 Full Service B&M $910,007
Flagstar Bank, FSB 30105 Mound Rd Warren, MI 48092 Full Service B&M $69,534
Flagstar Bank, FSB 3045 E. Michigan Avenue Jackson, MI 49202 Full Service B&M $49,364
Flagstar Bank, FSB 30515 Milford Road New Hudson, MI 48165 Full Service B&M $46,978
Flagstar Bank, FSB 31049 Dequindre Road Madison Heights, MI 48071 Full Service B&M $61,533
Flagstar Bank, FSB 31061 Hayes Road Warren, MI 48088 Full Service B&M $57,456
Flagstar Bank, FSB 31110 Novi Rd. Novi, MI 48377 Full Service B&M $83,136
Flagstar Bank, FSB 31230 Grand River Ave Farmington, MI 48336 Full Service B&M $66,417
Flagstar Bank, FSB 31550 Northwestern Hwy, Suite 130, Ste 130 Farmington Hills, MI 48334 Full Service B&M $56,666
Flagstar Bank, FSB 6200 S Saginaw Street Grand Blanc, MI 48439 Full Service B&M $70,135
Flagstar Bank, FSB 3205 28th St Se Grand Rapids, MI 49512 Full Service B&M $19,035
Flagstar Bank, FSB 3220 Us Hwy 41 W Marquette, MI 49855 Full Service B&M $34,079
Flagstar Bank, FSB 3233 Fairlane Drive Allen Park, MI 48101 Full Service B&M $32,447
Flagstar Bank, FSB 33390 W. 14 Mile Road West Bloomfield, MI 48322 Full Service B&M $66,506
Flagstar Bank, FSB 34680 23 Mile Road Chesterfield, MI 48047 Full Service B&M $69,993
Flagstar Bank, FSB 34945 Gratiot Avenue Clinton Township, MI 48035 Full Service B&M $51,847
Flagstar Bank, FSB 3500 Greenfield Road Dearborn, MI 48120 Full Service B&M $35,504
Flagstar Bank, FSB 35238 Woodward Avenue Birmingham, MI 48009 Full Service B&M $55,309
Flagstar Bank, FSB 354 E. Chicago Street Ste C Coldwater, MI 49036 Full Service B&M $57,361
Flagstar Bank, FSB 3650 Plymouth Road Ann Arbor, MI 48105 Full Service B&M $44,727
Flagstar Bank, FSB 37070 Mound Road Sterling Heights, MI 48310 Full Service B&M $59,336
Flagstar Bank, FSB 37655 6 Mile Road Livonia, MI 48152 Full Service B&M $136,209
Flagstar Bank, FSB 382 West Cleveland Road Granger, IN 46530 Full Service B&M $30,416
Flagstar Bank, FSB 3901 Woodward Ave, Ste. 100b Detroit, MI 48201 Full Service B&M $10,080
Flagstar Bank, FSB 3902 South Clinton Street Fort Wayne, IN 46806 Full Service B&M $47,106
Flagstar Bank, FSB 3915 Telegraph Road Bloomfield Hills, MI 48302 Full Service B&M $119,817
Flagstar Bank, FSB 39900 8 Mile Rd Northville, MI 48167 Full Service B&M $47,804
Flagstar Bank, FSB 40900 Garfield Road Clinton Township, MI 48038 Full Service B&M $61,281
Flagstar Bank, FSB 42200 Ford Road Canton, MI 48187 Full Service B&M $138,087
Flagstar Bank, FSB 425 N. Lapeer Rd Oxford, MI 48371 Full Service B&M $50,635
Flagstar Bank, FSB 4364 Lake Michigan Drive Nw Grand Rapids, MI 49534 Full Service B&M $36,960
Flagstar Bank, FSB 43850 Schoenherr Road Sterling Heights, MI 48313 Full Service B&M $76,102
Flagstar Bank, FSB 4400 Miami St South Bend, IN 46614 Full Service B&M $19,169
Flagstar Bank, FSB 4675 32nd Avenue, Suite 110 Hudsonville, MI 49426 Full Service B&M $25,260
Flagstar Bank, FSB 475 Romence Rd. Portage, MI 49024 Full Service B&M $40,410
Flagstar Bank, FSB 4755 Washtenaw Aveunue Ann Arbor, MI 48108 Full Service B&M $37,009
Flagstar Bank, FSB 4895 Phelan Road Phelan, CA 92371 Full Service B&M $36,451
Flagstar Bank, FSB 50 S. Howell Hillsdale, MI 49242 Full Service B&M $63,083
Flagstar Bank, FSB 500 Woodward Ave Suite 100 Detroit, MI 48226 Full Service B&M $15,971
Flagstar Bank, FSB 5017 Rochester Road Troy, MI 48085 Full Service B&M $98,232
Flagstar Bank, FSB 900 East Cloverland Drive Ironwood, MI 49938 Full Service B&M $41,716
Flagstar Bank, FSB 50891 Sabrina Drive Shelby Township, MI 48315 Full Service B&M $147,614
Flagstar Bank, FSB 5105 Highland Road Waterford, MI 48327 Full Service B&M $44,981
Flagstar Bank, FSB 5110 Cascade Road, Southeast Grand Rapids, MI 49546 Full Service B&M $58,435
Flagstar Bank, FSB 5151 Corporate Drive Troy, MI 48098 Full Service B&M $10,364,270
Flagstar Bank, FSB 5525 St. Joe Road Fort Wayne, IN 46835 Full Service B&M $29,739
Flagstar Bank, FSB 5610 West Saginaw Hwy Lansing, MI 48917 Full Service B&M $54,037
Flagstar Bank, FSB 5720 Sashabaw Road Clarkston, MI 48346 Full Service B&M $65,449
Flagstar Bank, FSB 5770 Coventry Lane Fort Wayne, IN 46804 Full Service B&M $33,306
Flagstar Bank, FSB 5903 Bluffton Road Fort Wayne, IN 46809 Full Service B&M $27,914
Flagstar Bank, FSB 599 General Motors Rd Milford, MI 48381 Full Service B&M $54,237
Flagstar Bank, FSB 6000 U.S. 41 South Marquette, MI 49855 Full Service B&M $29,106
Flagstar Bank, FSB 601 Jackson Street La Porte, IN 46350 Full Service B&M $53,425
Flagstar Bank, FSB 6302 East State Boulevard Fort Wayne, IN 46815 Full Service B&M $62,298
Flagstar Bank, FSB 6324 W Jefferson Blvd Fort Wayne, IN 46804 Full Service B&M $31,107
Flagstar Bank, FSB 6490 Highland Rd White Lake, MI 48383 Full Service B&M $31,750
Flagstar Bank, FSB 6560 West Main Street Kalamazoo, MI 49009 Full Service B&M $40,352
Flagstar Bank, FSB 700 Us Hwy 41 W Ishpeming, MI 49849 Full Service B&M $34,151
Flagstar Bank, FSB 704 S. Brown Street Jackson, MI 49203 Full Service B&M $79,610
Flagstar Bank, FSB 760 S. Us 131, Ste 1 Three Rivers, MI 49093 Full Service B&M $30,984
Flagstar Bank, FSB 7950 Cooley Lake Rd Waterford, MI 48327 Full Service B&M $32,695
Flagstar Bank, FSB 800 Northcrest Shopping Center Fort Wayne, IN 46805 Full Service B&M $38,808
Flagstar Bank, FSB 812 West Seventh Street Auburn, IN 46706 Full Service B&M $12,371
Flagstar Bank, FSB 833 E. 16th Street, Ste 30 Holland, MI 49423 Full Service B&M $45,264
Flagstar Bank, FSB 841 North Cass Street Wabash, IN 46992 Full Service B&M $25,532
Flagstar Bank, FSB 901 West State Boulevard Fort Wayne, IN 46808 Full Service B&M $28,694
Flagstar Bank, FSB 914 Charlevoix Drive, Ste 100 Grand Ledge, MI 48837 Full Service B&M $42,248
Flagstar Bank, FSB 9332 Lee Road Brighton, MI 48116 Full Service B&M $73,556
Flagstar Bank, FSB 945 East Armory Road Barstow, CA 92311 Full Service B&M $57,954
Flagstar Bank, FSB S938 U.S. 41 Stephenson, MI 49887 Full Service B&M $22,677
Flagstar Bank, FSB 1112 North Detroit Street Lagrange, IN 46761 Full Service B&M $14,457
Flagstar Bank, FSB 1131 W. Warren Avenue Detroit, MI 48201 Full Service Retail $11,565
Flagstar Bank, FSB 115 Hospital Drive Van Wert, OH 45891 Full Service B&M $50,799
Flagstar Bank, FSB 115 N Pine St Gwinn, MI 49841 Full Service B&M $23,685
Flagstar Bank, FSB 119 North Main Street Monticello, IN 47960 Full Service B&M $47,406
Flagstar Bank, FSB 12 North Broadway Avenue Peru, IN 46970 Full Service B&M $31,461
Flagstar Bank, FSB 122 Brooklyn Road Napoleon, MI 49261 Full Service B&M $33,067
Flagstar Bank, FSB 12470 Hesperian Road Victorville, CA 92395 Limited, Mobile/Seasonal Office $0
Flagstar Bank, FSB 12530 Hesperia Road Victorville, CA 92395 Full Service B&M $98,335
Flagstar Bank, FSB 126 West Highland Howell, MI 48843 Full Service B&M $34,391
Flagstar Bank, FSB 1261 Highway 2 Wrightwood, CA 92397 Full Service B&M $44,024
Flagstar Bank, FSB 1290 S Main Street Ste A Chelsea, MI 48118 Full Service B&M $64,543
Flagstar Bank, FSB 4400 Orchard Lake Road West Bloomfield, MI 48323 Full Service B&M $68,338
Flagstar Bank, FSB 44691 Mound Road Sterling Heights, MI 48314 Full Service B&M $64,028
Flagstar Bank, FSB 4542 Orion Road Rochester, MI 48306 Full Service B&M $61,384
Flagstar Bank, FSB 45505 Michigan Ave Canton, MI 48188 Full Service B&M $65,974
Flagstar Bank, FSB 4555 Canal Ave Sw Grandville, MI 49418 Full Service B&M $27,788
Flagstar Bank, FSB 4585 Alpine Avenue Nw Comstock Park, MI 49321 Full Service B&M $41,465

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $818,698
Net interest income $707,293
Total noninterest income $1,326,175
Gross Fiduciary activities income $0
Service charges on deposit accounts $18,314
Trading account gains and fees $65,207
Additional Noninterest Income $1,242,654
Pre-tax net operating income $740,654
Securities gains (or losses, -) $0
Income before extraordinary items $566,229
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $566,229
Minority interest net income $0
Net income $566,229
Sale, conversion, retirement of capital stock, net $11,852
Net operating income $566,229

Bank Expenses

Item Value (in 000's)
Total interest expense $111,405
Provision for credit losses $131,751
Total noninterest expense $1,161,063
Salaries and employee benefits $664,245
Premises and equipment expense $152,040
Additional noninterest expense $344,778
Applicable income taxes $174,425
Net charge-offs $9,260
Cash dividends $82,000

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 1.0%
Real Estate loans 2.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 3.0%
HELOC loans 0.0%
All other family 3.0%
Commercial & industrial loans 1.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $21,035,502
Deposits held in domestic offices $21,035,502
Deposits by Individuals, partnerships, and corporations $19,129,517
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,765,329
Deposits by Commercial banks and other depository institutions in U.S. $140,657
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $5,304,392
Demand deposits $5,304,392
Nontransaction accounts $15,731,111
Money market deposit accounts (MMDAs) $698,351
Other savings deposits (excluding MMDAs) $12,185,261
Total time deposits $2,847,500
Total time and savings deposits $15,731,111
Noninterest-bearing deposits $10,213,230
Interest-bearing deposits $10,822,272
Retail deposits $19,324,612
IRAs and Keogh plan accounts $171,100
Brokered deposits $1,034,035
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $31,013,209
Cash & Balances due from depository institutions $624,816
Interest-bearing balances $373,342
Total securities $2,319,346
Federal funds sold & reverse repurchase $0
Net loans and leases $25,588,797
Loan and leases loss allowance $252,491
Trading account assets $15,859
Bank premises and fixed assets $264,836
Other real estate owned $8,242
Goodwill and other intangibles $486,291
All other assets $1,705,022

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $31,013,209
Total Liabilities $28,470,329
Total deposits $21,035,502
Interest-bearing deposits $10,822,272
Deposits held in domestic offices $21,035,502
% insured (estimated) $65
Federal funds purchased and repurchase agreements $485,004
Trading liabilities $99,744
Other borrowed funds $6,489,124
Subordinated debt $0
All other liabilities $360,955

Issued Loan Types

Type Value (in 000's)
Net loans and leases $25,588,797
Loan and leases loss allowance $252,491
Total loans and leases (domestic) $25,841,288
All real estate loans $15,754,908
Real estate loans in domestic offices $15,754,908
Construction and development loans $1,540,667
Residential 1-4 family construction $602,254
Other construction, all land development and other land $938,413
Loans secured by nonfarm nonresidential properties $1,447,994
Nonfarm nonresidential secured by owner-occupied properties $389,147
Commercial real estate & other non-farm, non-residential $1,058,847
Multifamily residential real estate $162,853
1-4 family residential loans $12,603,394
Farmland loans $0
Loans held in foreign offices $0
Farm loans $134
Commercial and industrial loans $937,167
To non-U.S. addressees $2,712
Loans to individuals $1,004,181
Credit card loans $0
Related Plans $21,358
Consumer Auto Loans $7,147
Other loans to individuals $975,676
All other loans & leases $8,144,898
Loans to foreign governments and official institutions $0
Other loans $8,054,489
Loans to depository institutions and acceptances of other banks $29,250
Loans not secured by real estate $82,344
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $71,555
Non 1-4 family restructured loans & leases $6,406
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 248 $77,550 $312,702
Nonfarm, nonresidential loans - <$100k 34 $2,021 $59,441
Nonfarm, nonresidential loans - $100-250k 76 $10,886 $143,237
Nonfarm, nonresidential loans - $250k-1MM 138 $64,643 $468,428
Commercial & Industrial, US addressed loans - <$1MM 1,029 $56,090 $54,509
Commercial & Industrial, US addressed loans - <$100k 851 $25,321 $29,754
Commercial & Industrial, US addressed loans - $100-250k 107 $9,990 $93,364
Commercial & Industrial, US addressed loans - $250k-1MM 71 $20,779 $292,662
Agriculture operations loans - <$1MM 1 $134 $134,000
Agriculture operations loans - $100-250k 1 $134 $134,000