Lender in New York · HMDA 2025
Flagstar Bank, N.A. mortgages in New York
Flagstar Bank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Flagstar Bank, N.A. originated 246 owner-occupied single-family loans in New York from 450 completed applications.
Its median conventional purchase loan costs were $9,520 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
246
of 450 applications
Denial rate
43.9%
Purchase · NY 9.5%
Rate spread
+0.14 pts
Conv. · NY +0.07 pts
Loan amount
$545,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 367 | 200 | 43.9% | 6.500% | +0.14 pts | $9,520 | $545,000 |
| Refinance | 29 | 16 | 41.4% | — | — | — | — |
| Cash-out refinance | 54 | 30 | 40.7% | — | +0.23 pts | $11,020 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology