Lender in Texas · HMDA 2025
Flagstar Bank, N.A. mortgages in Texas
Flagstar Bank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Flagstar Bank, N.A. originated 791 owner-occupied single-family loans in Texas from 1,166 completed applications.
Its median conventional purchase loan costs were $6,620 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
791
of 1,166 applications
Denial rate
30.0%
Purchase · TX 10.2%
Rate spread
+0.06 pts
Conv. · TX +0.09 pts
Loan amount
$295,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 943 | 652 | 30.0% | 6.625% | +0.06 pts | $6,620 | $295,000 |
| Refinance | 127 | 85 | 28.3% | 6.625% | −0.06 pts | $4,890 | $445,000 |
| Cash-out refinance | 96 | 54 | 41.7% | 6.875% | +0.33 pts | $6,740 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Flagstar Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Val Verde County | 6 | 20 | 5.2% |
| Walker County | 17 | 8 | 1.4% |
| Zapata County | 20 | 1 | 2.4% |
| Washington County | 21 | 4 | 1.0% |
| Trinity County | 22 | 2 | 1.8% |
| Winkler County | 23 | 1 | 2.4% |
| Austin County | 25 | 4 | 1.1% |
| Llano County | 25 | 3 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology