Lender in California · HMDA 2025
Flagstar Bank, N.A. mortgages in California
Flagstar Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Flagstar Bank, N.A. originated 621 owner-occupied single-family loans in California from 1,065 completed applications.
Its median conventional purchase loan costs were $7,370 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
621
of 1,065 applications
Denial rate
39.4%
Purchase · CA 8.9%
Rate spread
+0.17 pts
Conv. · CA +0.09 pts
Loan amount
$615,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 736 | 433 | 39.4% | 6.750% | +0.17 pts | $7,370 | $615,000 |
| Refinance | 228 | 136 | 37.3% | 6.750% | +0.11 pts | $3,870 | $885,000 |
| Cash-out refinance | 101 | 52 | 48.5% | 6.875% | +0.26 pts | $4,610 | $545,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology