Lenders › Flagstar Bank NA › Texas
Flagstar Bank NA in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas covers 4,362 applications, 2,882 of them originated, worth $891m.
Its denial rate in the state was 25.6%, close to the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Texas originations was 0.3 percentage points (state median 0.2).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.6% | 26.0% | 29.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.9% | 11.8% | 12.8% | 15.6% |
| Average originated loan | $309k | $350k | $303k | $329k |
| Home purchase share | 82.1% | 72.8% | 68.2% | 57.0% |
| FHA-insured share | 24.8% | 19.8% | 22.2% | 13.4% |
| VA-guaranteed share | 6.2% | 10.4% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 82% (2,365)Home improvement 1% (15)Refinancing 7% (212)Cash-out refinancing 8% (218)Other purpose 2% (72)
By type
Conventional 69% (1,975)FHA 25% (715)VA 6% (180)USDA 0% (12)
Denial reasons as coded
Share of 1,008 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 911 | 605 | $194m | 27.0% |
| Montgomery County | 280 | 206 | $61m | 20.5% |
| Fort Bend County | 235 | 149 | $48m | 29.1% |
| Collin County | 190 | 130 | $53m | 22.8% |
| Tarrant County | 164 | 103 | $33m | 23.2% |
| Webb County | 118 | 99 | $23m | 13.2% |
| Bexar County | 156 | 95 | $24m | 27.4% |
| Dallas County | 181 | 94 | $35m | 36.0% |
| Travis County | 158 | 94 | $46m | 34.5% |
| Hidalgo County | 127 | 80 | $20m | 25.2% |
| Denton County | 144 | 78 | $34m | 33.9% |
| Williamson County | 107 | 78 | $29m | 22.8% |
| Cameron County | 84 | 68 | $17m | 10.5% |
| El Paso County | 111 | 62 | $15m | 30.4% |
| Val Verde County | 85 | 61 | $14m | 21.5% |
| Galveston County | 66 | 50 | $14m | 16.4% |
| Bell County | 64 | 45 | $12m | 23.3% |
| Brazoria County | 61 | 40 | $14m | 29.3% |
| Jefferson County | 53 | 36 | $7.4m | 24.5% |
| Brazos County | 47 | 36 | $10m | 20.0% |
| Orange County | 42 | 34 | $6.8m | 19.0% |
| Wichita County | 29 | 25 | $4.6m | 3.8% |
| Bastrop County | 33 | 24 | $7.7m | 17.2% |
| Lubbock County | 37 | 22 | $4.5m | 23.3% |
| Ellis County | 26 | 21 | $7.5m | — |
| Hays County | 31 | 18 | $5.9m | 29.6% |
| McLennan County | 27 | 18 | $4.7m | — |
| Guadalupe County | 26 | 18 | $5.2m | — |
| Comal County | 30 | 17 | $5.6m | — |
| Nueces County | 26 | 13 | $4.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Texas in 2024?
2,882 loans totalling $891m, from 4,362 applications reported for properties in Texas.
What is Flagstar Bank NA's denial rate in Texas?
25.6% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Flagstar Bank NA lend in most?
By originations: Harris County (605), Montgomery County (206), Fort Bend County (149), Collin County (130), Tarrant County (103).
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 Texas. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.