Lenders › Flagstar Bank NA › Louisiana
Flagstar Bank NA in Louisiana
HMDA record for properties in Louisiana, calendar year 2024. National record · Louisiana 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 Louisiana, Flagstar Bank NA reported 441 applications and 290 originations for 2024, $62m in all.
Its denial rate in the state was 23.0%, below the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Louisiana originations was 0.5 percentage points (state median 0.4).
Applications in the state were up 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Louisiana | Louisiana, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.0% | 30.2% | 29.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.6% | 17.0% | 12.8% | 15.6% |
| Average originated loan | $213k | $234k | $303k | $329k |
| Home purchase share | 79.0% | 63.7% | 68.2% | 57.0% |
| FHA-insured share | 45.5% | 20.7% | 22.2% | 13.4% |
| VA-guaranteed share | 6.6% | 9.3% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateLouisiana, all lenders
Loan purpose and loan type in Louisiana
By purpose
Home purchase 79% (229)Home improvement 0% (1)Refinancing 5% (15)Cash-out refinancing 14% (41)Other purpose 1% (4)
By type
Conventional 41% (118)FHA 46% (132)VA 7% (19)USDA 7% (21)
Denial reasons as coded
Share of 88 denials in Louisiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Louisiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson Parish | 57 | 43 | $12m | 14.0% |
| St. Mary Parish | 43 | 41 | $6.8m | 0.0% |
| Lafayette Parish | 48 | 37 | $7.7m | 15.9% |
| East Baton Rouge Parish | 40 | 29 | $7.1m | 21.6% |
| St. Tammany Parish | 34 | 17 | $3.8m | 33.3% |
| Orleans Parish | 35 | 12 | $2.1m | 53.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Louisiana in 2024?
290 loans totalling $62m, from 441 applications reported for properties in Louisiana.
What is Flagstar Bank NA's denial rate in Louisiana?
23.0% of decided applications in Louisiana were denied, against 30.2% 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 Louisiana counties does Flagstar Bank NA lend in most?
By originations: Jefferson Parish (43), St. Mary Parish (41), Lafayette Parish (37), East Baton Rouge Parish (29), St. Tammany Parish (17).
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 Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.