Flagstar Bank, N.A.

9,656 mortgages originated in 2025 across 31 states, and what they cost borrowers.

Loans originated

9,656

Median rate

6.619%

Median lender fees

$5,536

Median loan amount

$255,000

Median spread over APOR

0.238

Paid discount points

43.8%

Received lender credits

28.4%

Purchases / refinances

63.9% / 29.3%

Conventional / FHA / VA

75.8% / 17.7% / 5.8%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 84.3% of loans here — see methodology.

Where Flagstar Bank, N.A. lent

States with at least 50 loans in 2025, ranked by volume.