Lender in Michigan · HMDA 2025
Flagstar Bank, N.A. mortgages in Michigan
Flagstar Bank, N.A.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Flagstar Bank, N.A. originated 2,006 owner-occupied single-family loans in Michigan from 2,748 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $3,620 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
2,006
of 2,748 applications
Denial rate
26.0%
Purchase · MI 7.8%
Rate spread
+0.32 pts
Conv. · MI +0.23 pts
Loan amount
$205,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,352 | 1,733 | 26.0% | 6.625% | +0.32 pts | $3,620 | $205,000 |
| Refinance | 212 | 145 | 19.3% | 6.500% | +0.22 pts | $2,490 | $275,000 |
| Cash-out refinance | 184 | 128 | 28.3% | 6.875% | +0.43 pts | $3,200 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Flagstar Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dickinson County | 2 | 30 | 13.0% |
| Iron County | 2 | 16 | 11.1% |
| Ontonagon County | 2 | 6 | 10.7% |
| Gogebic County | 3 | 19 | 11.6% |
| Wayne County | 4 | 460 | 2.4% |
| Ingham County | 6 | 173 | 5.2% |
| Jackson County | 6 | 83 | 3.8% |
| Eaton County | 6 | 64 | 4.1% |
| Houghton County | 6 | 13 | 4.0% |
| Macomb County | 7 | 266 | 2.1% |
| Clinton County | 7 | 31 | 2.7% |
| Delta County | 7 | 7 | 3.7% |
| Oakland County | 8 | 367 | 1.9% |
| Marquette County | 9 | 15 | 2.5% |
| Hillsdale County | 9 | 12 | 2.4% |
| Menominee County | 9 | 7 | 3.6% |
| Kalamazoo County | 12 | 52 | 1.6% |
| Branch County | 12 | 13 | 2.7% |
| Calhoun County | 17 | 26 | 1.4% |
| St. Joseph County | 19 | 11 | 1.4% |
| Baraga County | 19 | 1 | 2.0% |
| Livingston County | 21 | 31 | 1.0% |
| Berrien County | 23 | 17 | 0.9% |
| Cass County | 23 | 7 | 1.1% |
| Iosco County | 23 | 3 | 1.0% |
| Genesee County | 24 | 57 | 1.0% |
| St. Clair County | 24 | 21 | 0.9% |
| Lenawee County | 24 | 13 | 1.0% |
| Van Buren County | 24 | 7 | 0.8% |
| Huron County | 24 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology