Lenders › Flagstar Bank NA › Pennsylvania
Flagstar Bank NA in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania 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 Pennsylvania, Flagstar Bank NA reported 1,311 applications and 870 originations for 2024, $174m in all.
Its denial rate in the state was 24.0%, close to the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Pennsylvania originations was 0.4 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 24.0% | 24.2% | 29.4% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.4% | 14.1% | 12.8% | 15.6% |
| Average originated loan | $200k | $226k | $303k | $329k |
| Home purchase share | 73.6% | 48.7% | 68.2% | 57.0% |
| FHA-insured share | 25.2% | 9.8% | 22.2% | 13.4% |
| VA-guaranteed share | 5.1% | 4.0% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 74% (640)Home improvement 1% (6)Refinancing 5% (41)Cash-out refinancing 18% (160)Other purpose 3% (23)
By type
Conventional 66% (576)FHA 25% (219)VA 5% (44)USDA 4% (31)
Denial reasons as coded
Share of 277 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Blair County | 135 | 116 | $19m | 12.8% |
| Allegheny County | 101 | 67 | $15m | 22.1% |
| Erie County | 69 | 49 | $8.4m | 25.8% |
| Cambria County | 59 | 49 | $7.8m | 12.5% |
| Philadelphia County | 79 | 40 | $8.0m | 38.5% |
| Crawford County | 43 | 31 | $4.3m | 24.4% |
| Montgomery County | 51 | 29 | $9.7m | 26.8% |
| Berks County | 40 | 27 | $5.9m | 20.6% |
| Bucks County | 51 | 26 | $8.8m | 40.9% |
| Northampton County | 34 | 26 | $5.7m | 18.2% |
| Westmoreland County | 36 | 25 | $4.4m | 19.4% |
| Huntingdon County | 31 | 25 | $4.1m | 13.8% |
| Delaware County | 50 | 24 | $5.2m | 41.5% |
| Chester County | 37 | 22 | $6.0m | 29.0% |
| Lehigh County | 34 | 22 | $5.2m | 20.7% |
| York County | 33 | 20 | $3.8m | 25.9% |
| Lackawanna County | 27 | 17 | $3.0m | 24.0% |
| Monroe County | 29 | 12 | $3.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Pennsylvania in 2024?
870 loans totalling $174m, from 1,311 applications reported for properties in Pennsylvania.
What is Flagstar Bank NA's denial rate in Pennsylvania?
24.0% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does Flagstar Bank NA lend in most?
By originations: Blair County (116), Allegheny County (67), Erie County (49), Cambria County (49), Philadelphia County (40).
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 Pennsylvania. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.