Lenders › Flagstar Bank NA › California
Flagstar Bank NA in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Flagstar Bank NA's 2024 HMDA record for California covers 6,403 applications, 3,423 of them originated, worth $1.7bn.
Its denial rate in the state was 33.1%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its California originations was 0.3 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.1% | 24.8% | 29.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.5% | 19.9% | 12.8% | 15.6% |
| Average originated loan | $493k | $566k | $303k | $329k |
| Home purchase share | 56.5% | 51.2% | 68.2% | 57.0% |
| FHA-insured share | 9.4% | 11.4% | 22.2% | 13.4% |
| VA-guaranteed share | 4.4% | 4.8% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 57% (1,934)Home improvement 1% (34)Refinancing 11% (369)Cash-out refinancing 28% (959)Other purpose 4% (127)
By type
Conventional 86% (2,951)FHA 9% (323)VA 4% (149)
Denial reasons as coded
Share of 1,749 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,187 | 602 | $363m | 37.3% |
| Riverside County | 792 | 407 | $152m | 34.5% |
| San Diego County | 675 | 368 | $221m | 31.7% |
| San Bernardino County | 618 | 290 | $96m | 36.8% |
| Orange County | 463 | 247 | $165m | 31.7% |
| Sacramento County | 283 | 159 | $63m | 30.9% |
| Placer County | 187 | 116 | $53m | 29.8% |
| Ventura County | 180 | 112 | $66m | 25.5% |
| Contra Costa County | 180 | 103 | $58m | 28.4% |
| Alameda County | 194 | 97 | $56m | 33.8% |
| Fresno County | 140 | 76 | $24m | 28.2% |
| Kern County | 128 | 72 | $21m | 28.6% |
| Santa Clara County | 130 | 67 | $46m | 39.5% |
| Nevada County | 86 | 67 | $23m | 18.1% |
| Sonoma County | 104 | 63 | $32m | 33.7% |
| San Joaquin County | 113 | 55 | $22m | 36.7% |
| Solano County | 87 | 53 | $24m | 24.3% |
| Butte County | 54 | 39 | $13m | 18.4% |
| San Mateo County | 72 | 37 | $29m | 35.0% |
| El Dorado County | 41 | 32 | $15m | 11.1% |
| San Luis Obispo County | 55 | 27 | $12m | 43.8% |
| Stanislaus County | 56 | 26 | $7.7m | 38.1% |
| San Francisco County | 50 | 25 | $25m | 41.9% |
| Merced County | 37 | 19 | $5.2m | 33.3% |
| Santa Cruz County | 31 | 19 | $8.9m | 24.0% |
| Tulare County | 42 | 18 | $4.8m | 47.1% |
| Madera County | 34 | 18 | $5.8m | 30.8% |
| Marin County | 31 | 18 | $13m | 35.7% |
| Santa Barbara County | 38 | 15 | $5.3m | 44.4% |
| Monterey County | 26 | 9 | $4.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in California in 2024?
3,423 loans totalling $1.7bn, from 6,403 applications reported for properties in California.
What is Flagstar Bank NA's denial rate in California?
33.1% of decided applications in California were denied, against 24.8% for all lenders in the state and 29.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Flagstar Bank NA lend in most?
By originations: Los Angeles County (602), Riverside County (407), San Diego County (368), San Bernardino County (290), Orange County (247).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.