Lenders › Flagstar Bank NA › Ohio
Flagstar Bank NA in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio, Flagstar Bank NA reported 1,328 applications and 765 originations for 2024, $146m in all.
Its denial rate in the state was 31.8%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Ohio originations was 0.6 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 31.8% | 23.5% | 29.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.2% | 17.7% | 12.8% | 15.6% |
| Average originated loan | $191k | $218k | $303k | $329k |
| Home purchase share | 72.8% | 51.7% | 68.2% | 57.0% |
| FHA-insured share | 23.1% | 12.3% | 22.2% | 13.4% |
| VA-guaranteed share | 6.5% | 5.9% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 73% (557)Home improvement 1% (10)Refinancing 6% (43)Cash-out refinancing 16% (124)Other purpose 4% (31)
By type
Conventional 69% (527)FHA 23% (177)VA 7% (50)USDA 1% (11)
Denial reasons as coded
Share of 365 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 197 | 100 | $17m | 36.2% |
| Franklin County | 128 | 84 | $19m | 28.6% |
| Mahoning County | 68 | 54 | $8.4m | 16.9% |
| Summit County | 99 | 51 | $8.4m | 37.6% |
| Lucas County | 55 | 33 | $4.8m | 32.7% |
| Stark County | 51 | 31 | $5.2m | 31.9% |
| Hamilton County | 52 | 30 | $9.2m | 32.6% |
| Lorain County | 45 | 24 | $4.6m | 31.4% |
| Trumbull County | 34 | 22 | $3.7m | 26.7% |
| Medina County | 38 | 21 | $4.2m | 30.3% |
| Delaware County | 30 | 21 | $6.7m | 25.0% |
| Montgomery County | 34 | 17 | $3.0m | 45.2% |
| Lake County | 33 | 15 | $2.4m | 33.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Ohio in 2024?
765 loans totalling $146m, from 1,328 applications reported for properties in Ohio.
What is Flagstar Bank NA's denial rate in Ohio?
31.8% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Flagstar Bank NA lend in most?
By originations: Cuyahoga County (100), Franklin County (84), Mahoning County (54), Summit County (51), Lucas County (33).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.