Lenders › Flagstar Bank NA › Indiana
Flagstar Bank NA in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana 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.
In Indiana, Flagstar Bank NA reported 1,367 applications and 707 originations for 2024, $124m in all.
Its denial rate in the state was 33.9%, above the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Indiana originations was 0.7 percentage points (state median 0.5).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.9% | 21.5% | 29.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.8% | 15.8% | 12.8% | 15.6% |
| Average originated loan | $175k | $216k | $303k | $329k |
| Home purchase share | 56.9% | 53.1% | 68.2% | 57.0% |
| FHA-insured share | 18.7% | 14.5% | 22.2% | 13.4% |
| VA-guaranteed share | 2.8% | 6.0% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 57% (402)Home improvement 7% (53)Refinancing 7% (52)Cash-out refinancing 20% (142)Other purpose 8% (58)
By type
Conventional 78% (550)FHA 19% (132)VA 3% (20)USDA 1% (5)
Denial reasons as coded
Share of 376 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allen County | 299 | 138 | $19m | 39.2% |
| Marion County | 121 | 67 | $15m | 33.0% |
| Hamilton County | 83 | 59 | $17m | 15.7% |
| Clark County | 63 | 45 | $10m | 25.0% |
| St. Joseph County | 62 | 28 | $3.5m | 36.7% |
| Huntington County | 39 | 28 | $2.0m | 17.6% |
| Hendricks County | 37 | 24 | $5.2m | 25.0% |
| Floyd County | 37 | 24 | $4.5m | 31.4% |
| Steuben County | 37 | 18 | $2.8m | 29.6% |
| DeKalb County | 26 | 12 | $1.0m | — |
| Lake County | 26 | 7 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Indiana in 2024?
707 loans totalling $124m, from 1,367 applications reported for properties in Indiana.
What is Flagstar Bank NA's denial rate in Indiana?
33.9% of decided applications in Indiana were denied, against 21.5% 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 Indiana counties does Flagstar Bank NA lend in most?
By originations: Allen County (138), Marion County (67), Hamilton County (59), Clark County (45), St. Joseph County (28).
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 Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.