Flagstar Bank
Hicksville, New York · HQ in Nassau County · NMLS #399797
Flagstar Bank, National Association (NMLS #399797) is a national bank with significant mortgage origination operations. Florida HMDA data includes multi-hundred to multi-thousand originations in 2025.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #399797 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · Nassau County
HQ locality derived from listed_county (Hicksville)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #399797 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Nassau County (listed_county)
- Loan type disclosure: 6/6 — 4 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #399797 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · Texas activity (primary of 3 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: Florida (737 originations) · Georgia (351 originations)
Top counties by originations
- Harris County167
- Montgomery County61
- Collin County57
- Travis County55
- Denton County40
Loan-type mix (Texas originations)
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
3,757 yes · 0 no (CFPB field)
Top complaint issues
- Trouble during payment process1,128(30%)
- Loan modification,collection,foreclosure1,034(27.5%)
- Loan servicing, payments, escrow account549(14.6%)
- Struggling to pay mortgage512(13.6%)
- Applying for a mortgage or refinancing an existing mortgage177(4.7%)
Company response (as published)
- Closed with explanation3,540(94.2%)
- Closed without relief112(3%)
- Closed with monetary relief41(1.1%)
- Closed with non-monetary relief36(1%)
- Closed with relief26(0.7%)
5,097.7complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (3,757) and Florida HMDA originations (737, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Matched to CFPB company name “Flagstar Bank, N.A.”.
CFPB company name(s): Flagstar Bank, N.A.
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 737.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.