Flagstar Bank Mortgage Lending & HMDA Data, 2015

In 2015, Flagstar Bank of Troy, MI reported 138,683 mortgage applications totaling $35.8 billion. The average application was for $257,966, and applicants reported an average income of $91,349. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (9,654), Houston-The Woodlands-Sugar Land, TX (5,953) and Riverside-San Bernardino-Ontario, CA (5,411) (applications in parentheses).

Mortgage Company & Address Flagstar Bank
5151 Corporate Drive
Troy, MI 48098
Tel #: available with data download
Federal Regulator * available with data download
Years 2015  
Total Number of Mortgage Applications 138,683
Total Mortgage Loan Application Amount $35,775,520,000
Average Mortgage Loan Application Amount $257,966
Highest Mortgage Loan Application Amount $7,200,000
Average Applicant Income $91,349
Highest Applicant Income $6,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Flagstar Bank by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 9,654 $ 3,596,541,000 $ 372,544 $ 112,000
Orange, California 5,077 $ 2,112,888,000 $ 416,168 $ 135,000
San Diego, California 3,334 $ 1,239,166,000 $ 371,675 $ 110,000
Harris, Texas 3,238 $ 736,050,000 $ 227,316 $ 116,000
Maricopa, Arizona 3,072 $ 776,076,000 $ 252,628 $ 89,000
Riverside, California 3,070 $ 841,658,000 $ 274,155 $ 94,000
Oakland, Michigan 2,841 $ 601,149,000 $ 211,597 $ 96,000
San Bernardino, California 2,341 $ 616,975,000 $ 263,551 $ 91,000
Santa Clara, California 2,081 $ 1,103,672,000 $ 530,356 $ 167,000
Cook, Illinois 2,059 $ 484,085,000 $ 235,106 $ 82,000
Palm Beach, Florida 1,974 $ 491,897,000 $ 249,187 $ 111,000
King, Washington 1,886 $ 647,315,000 $ 343,221 $ 123,000
Wayne, Michigan 1,660 $ 277,041,000 $ 166,892 $ 81,000
Broward, Florida 1,627 $ 413,866,000 $ 254,373 $ 102,000
Alameda, California 1,611 $ 690,936,000 $ 428,886 $ 138,000
Sacramento, California 1,509 $ 405,902,000 $ 268,987 $ 92,000
Macomb, Michigan 1,490 $ 223,072,000 $ 149,712 $ 63,000
Miami-Dade, Florida 1,428 $ 357,146,000 $ 250,102 $ 96,000
Fort Bend, Texas 1,375 $ 356,163,000 $ 259,027 $ 117,000
Contra Costa, California 1,079 $ 424,706,000 $ 393,610 $ 130,000
Hennepin, Minnesota 1,053 $ 245,785,000 $ 233,414 $ 75,000
Travis, Texas 1,052 $ 303,757,000 $ 288,742 $ 133,000
Ventura, California 981 $ 381,412,000 $ 388,799 $ 115,000
Orange, Florida 848 $ 186,577,000 $ 220,020 $ 79,000
Clark, Nevada 820 $ 183,581,000 $ 223,879 $ 82,000
Lee, Florida 815 $ 173,200,000 $ 212,515 $ 113,000
Hillsborough, Florida 769 $ 172,457,000 $ 224,261 $ 87,000
Montgomery, Texas 748 $ 169,483,000 $ 226,581 $ 113,000
Douglas, Nebraska 657 $ 108,309,000 $ 164,853 $ 56,000
DuPage, Illinois 640 $ 155,097,000 $ 242,339 $ 101,000
Arapahoe, Colorado 634 $ 158,819,000 $ 250,503 $ 85,000
Jefferson, Colorado 628 $ 166,305,000 $ 264,816 $ 78,000
Bexar, Texas 628 $ 130,179,000 $ 207,291 $ 69,000
St. Louis, Missouri 617 $ 122,668,000 $ 198,813 $ 68,000
Suffolk, New York 609 $ 191,136,000 $ 313,852 $ 97,000
Fresno, California 590 $ 138,346,000 $ 234,484 $ 91,000
Williamson, Texas 589 $ 139,111,000 $ 236,181 $ 118,000
Nassau, New York 574 $ 209,943,000 $ 365,754 $ 114,000
Snohomish, Washington 574 $ 167,790,000 $ 292,317 $ 100,000
Collin, Texas 566 $ 146,062,000 $ 258,060 $ 110,000
Denver, Colorado 558 $ 143,070,000 $ 256,397 $ 85,000
San Mateo, California 550 $ 269,221,000 $ 489,492 $ 150,000
Salt Lake, Utah 546 $ 135,537,000 $ 248,236 $ 80,000
San Joaquin, California 535 $ 131,327,000 $ 245,471 $ 91,000
Kent, Michigan 535 $ 77,504,000 $ 144,867 $ 69,000
Lake, Illinois 533 $ 126,089,000 $ 236,564 $ 102,000
Washtenaw, Michigan 529 $ 110,207,000 $ 208,330 $ 85,000
Fairfax, Virginia 521 $ 200,873,000 $ 385,552 $ 103,000
Collier, Florida 509 $ 150,859,000 $ 296,383 $ 156,000
Johnson, Kansas 508 $ 115,528,000 $ 227,417 $ 69,000
Multnomah, Oregon 508 $ 131,552,000 $ 258,960 $ 96,000
Sonoma, California 494 $ 165,800,000 $ 335,627 $ 112,000
Adams, Colorado 474 $ 108,152,000 $ 228,168 $ 60,000
Mohave, Arizona 472 $ 89,544,000 $ 189,711 $ 95,000
Douglas, Colorado 472 $ 149,146,000 $ 315,987 $ 95,000
Montgomery, Maryland 461 $ 157,079,000 $ 340,735 $ 102,000
Spokane, Washington 454 $ 87,595,000 $ 192,940 $ 76,000
Stanislaus, California 452 $ 100,456,000 $ 222,247 $ 57,000
Placer, California 449 $ 146,266,000 $ 325,759 $ 108,000
Pima, Arizona 448 $ 84,311,000 $ 188,194 $ 67,000
Brevard, Florida 448 $ 83,536,000 $ 186,464 $ 81,000
St. Lucie, Florida 443 $ 68,326,000 $ 154,234 $ 79,000
Pinellas, Florida 431 $ 93,683,000 $ 217,361 $ 108,000
Bergen, New Jersey 429 $ 148,837,000 $ 346,939 $ 114,000
Dallas, Texas 428 $ 100,724,000 $ 235,336 $ 111,000
Jackson, Missouri 427 $ 72,317,000 $ 169,360 $ 40,000
Solano, California 421 $ 121,698,000 $ 289,068 $ 90,000
St. Charles, Missouri 420 $ 78,336,000 $ 186,514 $ 44,000
Tarrant, Texas 417 $ 86,414,000 $ 207,227 $ 92,000
Livingston, Michigan 410 $ 76,524,000 $ 186,643 $ 81,000
Will, Illinois 409 $ 93,624,000 $ 228,909 $ 95,000
Kern, California 403 $ 87,036,000 $ 215,970 $ 83,000
Genesee, Michigan 403 $ 53,581,000 $ 132,955 $ 63,000
Deschutes, Oregon 391 $ 100,490,000 $ 257,007 $ 102,000
Franklin, Ohio 381 $ 63,321,000 $ 166,196 $ 45,000
Mecklenburg, North Carolina 373 $ 83,866,000 $ 224,841 $ 84,000
St. Johns, Florida 370 $ 84,984,000 $ 229,686 $ 86,000
Dakota, Minnesota 365 $ 78,129,000 $ 214,052 $ 58,000
Queens, New York 363 $ 128,424,000 $ 353,785 $ 102,000
Ingham, Michigan 361 $ 46,592,000 $ 129,063 $ 63,000
Jackson, Michigan 360 $ 38,457,000 $ 106,825 $ 62,000
San Francisco, California 358 $ 168,590,000 $ 470,921 $ 142,000
Anoka, Minnesota 358 $ 74,120,000 $ 207,039 $ 59,000
Denton, Texas 358 $ 91,039,000 $ 254,298 $ 99,000
Brown, Wisconsin 355 $ 57,709,000 $ 162,560 $ 69,000
Duval, Florida 351 $ 73,093,000 $ 208,242 $ 81,000
Sedgwick, Kansas 350 $ 50,747,000 $ 144,991 $ 60,000
Kings, New York 348 $ 159,090,000 $ 457,155 $ 134,000
Providence, Rhode Island 347 $ 74,741,000 $ 215,391 $ 85,000
Manatee, Florida 337 $ 79,042,000 $ 234,545 $ 90,000
Benton, Washington 329 $ 65,671,000 $ 199,607 $ 85,000
Baltimore, Maryland 324 $ 78,819,000 $ 243,268 $ 77,000
Ramsey, Minnesota 324 $ 61,960,000 $ 191,234 $ 61,000
Pierce, Washington 324 $ 81,176,000 $ 250,543 $ 86,000
Volusia, Florida 317 $ 54,295,000 $ 171,277 $ 82,000
Blair, Pennsylvania 316 $ 42,693,000 $ 135,104 $ 71,000
Galveston, Texas 313 $ 66,941,000 $ 213,869 $ 103,000
Polk, Florida 311 $ 44,132,000 $ 141,903 $ 55,000
Sarasota, Florida 311 $ 72,379,000 $ 232,729 $ 87,000
Monmouth, New Jersey 305 $ 93,459,000 $ 306,422 $ 126,000
Marion, Oregon 303 $ 60,358,000 $ 199,201 $ 71,000
Seminole, Florida 302 $ 64,435,000 $ 213,360 $ 83,000
Clark, Washington 302 $ 75,022,000 $ 248,417 $ 97,000
Ada, Idaho 300 $ 59,564,000 $ 198,546 $ 85,000
Sheboygan, Wisconsin 291 $ 38,871,000 $ 133,577 $ 72,000
Washington, Minnesota 287 $ 69,676,000 $ 242,773 $ 67,000
El Paso, Colorado 284 $ 69,116,000 $ 243,366 $ 60,000
Utah, Utah 277 $ 66,879,000 $ 241,440 $ 83,000
Martin, Florida 275 $ 62,669,000 $ 227,887 $ 122,000
Anne Arundel, Maryland 271 $ 86,900,000 $ 320,664 $ 87,000
Ocean, New Jersey 260 $ 68,046,000 $ 261,715 $ 97,000
Flathead, Montana 256 $ 58,084,000 $ 226,890 $ 75,000
Charleston, South Carolina 255 $ 75,087,000 $ 294,458 $ 103,000
Fulton, Georgia 251 $ 65,319,000 $ 260,235 $ 72,000
Pasco, Florida 250 $ 47,502,000 $ 190,008 $ 63,000
Gwinnett, Georgia 249 $ 49,800,000 $ 200,000 $ 36,000
Ottawa, Michigan 248 $ 37,783,000 $ 152,350 $ 63,000
Burleigh, North Dakota 243 $ 57,260,000 $ 235,637 $ 86,000
Greenville, South Carolina 243 $ 41,785,000 $ 171,954 $ 60,000
Brazoria, Texas 234 $ 45,817,000 $ 195,799 $ 96,000
Cobb, Georgia 232 $ 52,781,000 $ 227,504 $ 59,000
Prince William, Virginia 232 $ 76,644,000 $ 330,362 $ 70,000
Kane, Illinois 231 $ 47,843,000 $ 207,112 $ 75,000
Prince George's, Maryland 227 $ 58,997,000 $ 259,898 $ 64,000
Davis, Utah 226 $ 52,475,000 $ 232,190 $ 73,000
Klamath, Oregon 220 $ 35,643,000 $ 162,013 $ 77,000
Washington, Oregon 219 $ 56,722,000 $ 259,004 $ 89,000
Westchester, New York 215 $ 66,273,000 $ 308,246 $ 123,000
Hamilton, Tennessee 215 $ 42,668,000 $ 198,455 $ 87,000
Howard, Maryland 212 $ 71,273,000 $ 336,193 $ 102,000
El Dorado, California 211 $ 68,286,000 $ 323,630 $ 115,000
Davidson, Tennessee 211 $ 45,499,000 $ 215,635 $ 90,000
Shasta, California 209 $ 47,547,000 $ 227,497 $ 87,000
Montgomery, Pennsylvania 206 $ 51,121,000 $ 248,160 $ 87,000
Horry, South Carolina 204 $ 38,532,000 $ 188,882 $ 81,000
Middlesex, New Jersey 202 $ 52,419,000 $ 259,500 $ 91,000
Dane, Wisconsin 202 $ 42,700,000 $ 211,386 $ 74,000
Allegheny, Pennsylvania 194 $ 33,522,000 $ 172,793 $ 79,000
Philadelphia, Pennsylvania 192 $ 34,947,000 $ 182,015 $ 57,000
Loudoun, Virginia 190 $ 74,608,000 $ 392,673 $ 85,000
San Luis Obispo, California 189 $ 66,538,000 $ 352,052 $ 118,000
McHenry, Illinois 188 $ 35,928,000 $ 191,106 $ 83,000
Clackamas, Oregon 187 $ 53,088,000 $ 283,893 $ 102,000
Osceola, Florida 186 $ 36,775,000 $ 197,715 $ 74,000
Marion, Indiana 186 $ 28,759,000 $ 154,618 $ 81,000
Hamilton, Indiana 185 $ 42,379,000 $ 229,075 $ 92,000
Cumberland, Pennsylvania 184 $ 34,672,000 $ 188,434 $ 81,000
Hays, Texas 184 $ 49,559,000 $ 269,342 $ 119,000
Sarpy, Nebraska 183 $ 31,255,000 $ 170,792 $ 56,000
Saginaw, Michigan 181 $ 19,557,000 $ 108,049 $ 56,000
Vanderburgh, Indiana 180 $ 24,387,000 $ 135,483 $ 14,000
Allen, Indiana 178 $ 24,571,000 $ 138,039 $ 30,000
Wright, Minnesota 175 $ 35,753,000 $ 204,302 $ 67,000
Missoula, Montana 174 $ 38,570,000 $ 221,666 $ 56,000
Nevada, California 173 $ 47,972,000 $ 277,294 $ 113,000
Weld, Colorado 173 $ 42,489,000 $ 245,601 $ 64,000
Pinal, Arizona 170 $ 26,922,000 $ 158,364 $ 56,000
Anchorage, Alaska 168 $ 55,216,000 $ 328,666 $ 109,000
Brazos, Texas 168 $ 35,530,000 $ 211,488 $ 136,000
Fairfield, Connecticut 166 $ 53,157,000 $ 320,222 $ 109,000
Cascade, Montana 165 $ 29,698,000 $ 179,987 $ 95,000
Webb, Texas 159 $ 28,778,000 $ 180,993 $ 88,000
Richmond, New York 158 $ 54,040,000 $ 342,025 $ 102,000
Scott, Minnesota 154 $ 34,975,000 $ 227,110 $ 46,000
Essex, New Jersey 154 $ 44,601,000 $ 289,616 $ 114,000
Rockland, New York 154 $ 48,437,000 $ 314,525 $ 128,000
Bucks, Pennsylvania 154 $ 40,206,000 $ 261,077 $ 94,000
Monterey, California 152 $ 50,091,000 $ 329,546 $ 115,000
Yolo, California 152 $ 45,216,000 $ 297,473 $ 110,000
Baltimore City, Maryland 152 $ 31,206,000 $ 205,302 $ 101,000
Passaic, New Jersey 152 $ 37,571,000 $ 247,177 $ 75,000
Burlington, New Jersey 150 $ 34,017,000 $ 226,780 $ 72,000
Tulare, California 147 $ 30,901,000 $ 210,210 $ 79,000
Jefferson, Missouri 145 $ 22,491,000 $ 155,110 $ 40,000
Boulder, Colorado 144 $ 44,255,000 $ 307,326 $ 103,000
Morris, New Jersey 143 $ 47,838,000 $ 334,531 $ 107,000
Union, New Jersey 143 $ 39,887,000 $ 278,930 $ 98,000
Lincoln, New Mexico 143 $ 26,390,000 $ 184,545 $ 137,000
Santa Barbara, California 140 $ 49,262,000 $ 351,871 $ 102,000
DeKalb, Georgia 140 $ 31,135,000 $ 222,392 $ 61,000
Camden, New Jersey 138 $ 26,816,000 $ 194,318 $ 64,000
Larimer, Colorado 137 $ 33,527,000 $ 244,722 $ 66,000
Kent, Rhode Island 137 $ 28,330,000 $ 206,788 $ 75,000
Ward, North Dakota 136 $ 30,498,000 $ 224,250 $ 78,000
Eaton, Michigan 133 $ 16,177,000 $ 121,631 $ 54,000
Yellowstone, Montana 133 $ 25,189,000 $ 189,390 $ 67,000
Cuyahoga, Ohio 132 $ 17,253,000 $ 130,704 $ 48,000
Washington, Rhode Island 132 $ 34,821,000 $ 263,795 $ 102,000
Santa Cruz, California 131 $ 55,679,000 $ 425,030 $ 140,000
Hartford, Connecticut 131 $ 28,575,000 $ 218,129 $ 65,000
Orange, New York 129 $ 31,872,000 $ 247,069 $ 105,000
Middlesex, Massachusetts 128 $ 43,598,000 $ 340,609 $ 79,000
Lancaster, Nebraska 128 $ 19,904,000 $ 155,500 $ 63,000
Minnehaha, South Dakota 128 $ 23,506,000 $ 183,640 $ 3,000
Santa Fe, New Mexico 127 $ 35,356,000 $ 278,393 $ 134,000
Hamilton, Ohio 127 $ 18,657,000 $ 146,905 $ 53,000
Thurston, Washington 127 $ 29,946,000 $ 235,795 $ 85,000
Lake, Florida 126 $ 26,528,000 $ 210,539 $ 83,000
Comal, Texas 126 $ 33,779,000 $ 268,087 $ 138,000
Lucas, Ohio 125 $ 15,948,000 $ 127,584 $ 56,000
Monroe, Florida 123 $ 39,759,000 $ 323,243 $ 138,000
Hudson, New Jersey 121 $ 36,485,000 $ 301,528 $ 103,000
Bristol, Massachusetts 119 $ 32,744,000 $ 275,159 $ 92,000
Wake, North Carolina 119 $ 28,104,000 $ 236,168 $ 50,000
Norfolk, Massachusetts 118 $ 38,553,000 $ 326,720 $ 78,000
Cherokee, Georgia 117 $ 25,222,000 $ 215,572 $ 44,000
Erie, New York 117 $ 19,193,000 $ 164,042 $ 85,000
Flagler, Florida 116 $ 18,375,000 $ 158,405 $ 82,000
Jefferson, Texas 112 $ 16,081,000 $ 143,580 $ 83,000
St. Louis City, Missouri 111 $ 16,433,000 $ 148,045 $ 54,000
Carver, Minnesota 110 $ 32,022,000 $ 291,109 $ 92,000
El Paso, Texas 110 $ 17,947,000 $ 163,154 $ 70,000
Clay, Missouri 109 $ 17,595,000 $ 161,422 $ 41,000
Clay, Florida 108 $ 18,498,000 $ 171,277 $ 71,000
Sherburne, Minnesota 107 $ 20,645,000 $ 192,943 $ 59,000
Gloucester, New Jersey 107 $ 21,213,000 $ 198,252 $ 68,000
Franklin, Washington 107 $ 19,673,000 $ 183,859 $ 83,000
Yakima, Washington 107 $ 17,935,000 $ 167,616 $ 60,000
Jefferson, Kentucky 105 $ 15,988,000 $ 152,266 $ 36,000
Ross, Ohio 105 $ 12,463,000 $ 118,695 $ 53,000
Lane, Oregon 105 $ 22,931,000 $ 218,390 $ 75,000
Marin, California 103 $ 47,633,000 $ 462,456 $ 156,000
Bernalillo, New Mexico 103 $ 19,875,000 $ 192,961 $ 87,000
Monroe, Michigan 102 $ 14,446,000 $ 141,627 $ 58,000
Weber, Utah 102 $ 21,897,000 $ 214,676 $ 54,000
Val Verde, Texas 100 $ 13,751,000 $ 137,510 $ 61,000
Forsyth, Georgia 99 $ 25,479,000 $ 257,363 $ 59,000
Scott, Iowa 99 $ 15,207,000 $ 153,606 $ 69,000
Essex, Massachusetts 99 $ 29,778,000 $ 300,787 $ 80,000
Jefferson, Alabama 97 $ 17,308,000 $ 178,432 $ 86,000
Clinton, Michigan 97 $ 16,999,000 $ 175,247 $ 75,000
Summit, Ohio 97 $ 14,167,000 $ 146,051 $ 21,000
Erie, Pennsylvania 97 $ 13,708,000 $ 141,319 $ 64,000
York, Pennsylvania 97 $ 19,059,000 $ 196,484 $ 74,000
Merced, California 96 $ 18,098,000 $ 188,520 $ 69,000
Worcester, Massachusetts 94 $ 21,971,000 $ 233,734 $ 68,000
Washoe, Nevada 94 $ 24,540,000 $ 261,063 $ 107,000
Rockingham, New Hampshire 94 $ 24,530,000 $ 260,957 $ 67,000
Troup, Georgia 93 $ 15,013,000 $ 161,430 $ 47,000
Whatcom, Washington 93 $ 21,703,000 $ 233,365 $ 80,000
Napa, California 91 $ 36,852,000 $ 404,967 $ 121,000
District of Columbia, District Of Columbia 91 $ 36,396,000 $ 399,956 $ 83,000
Bell, Texas 91 $ 15,614,000 $ 171,582 $ 85,000
Frederick, Maryland 90 $ 24,765,000 $ 275,166 $ 69,000
Kalamazoo, Michigan 89 $ 12,746,000 $ 143,213 $ 61,000
Somerset, New Jersey 89 $ 27,746,000 $ 311,752 $ 113,000
Washington, Utah 89 $ 20,603,000 $ 231,494 $ 93,000
Columbia, Georgia 88 $ 16,241,000 $ 184,556 $ 68,000
Delaware, Ohio 88 $ 19,440,000 $ 220,909 $ 46,000
New Castle, Delaware 87 $ 21,114,000 $ 242,689 $ 66,000
Indian River, Florida 87 $ 14,178,000 $ 162,965 $ 51,000
Polk, Oregon 87 $ 17,324,000 $ 199,126 $ 68,000
Okaloosa, Florida 86 $ 14,294,000 $ 166,209 $ 73,000
Chatham, Georgia 86 $ 18,254,000 $ 212,255 $ 80,000
Marion, Florida 85 $ 12,635,000 $ 148,647 $ 66,000
Dauphin, Pennsylvania 85 $ 14,861,000 $ 174,835 $ 75,000
Humboldt, California 84 $ 18,239,000 $ 217,130 $ 73,000
Harford, Maryland 84 $ 21,195,000 $ 252,321 $ 65,000
Calhoun, Michigan 84 $ 9,930,000 $ 118,214 $ 56,000
Cass, Missouri 84 $ 16,656,000 $ 198,285 $ 48,000
Douglas, Oregon 84 $ 14,818,000 $ 176,404 $ 60,000
Hidalgo, Texas 84 $ 15,007,000 $ 178,654 $ 102,000
Hall, Georgia 83 $ 18,380,000 $ 221,445 $ 73,000
Polk, Iowa 83 $ 14,347,000 $ 172,855 $ 73,000
Lapeer, Michigan 83 $ 13,365,000 $ 161,024 $ 66,000
Chester, Pennsylvania 83 $ 23,432,000 $ 282,313 $ 87,000
Eau Claire, Wisconsin 83 $ 11,535,000 $ 138,975 $ 62,000
Beaver, Pennsylvania 82 $ 10,772,000 $ 131,365 $ 67,000
Cambria, Pennsylvania 81 $ 9,313,000 $ 114,975 $ 65,000
St. Clair, Michigan 80 $ 13,140,000 $ 164,250 $ 62,000
Dutchess, New York 80 $ 18,094,000 $ 226,175 $ 103,000
New Haven, Connecticut 79 $ 16,890,000 $ 213,797 $ 69,000
Warrick, Indiana 79 $ 13,579,000 $ 171,886 $ 21,000
Isabella, Michigan 79 $ 11,688,000 $ 147,949 $ 61,000
Richmond, Georgia 78 $ 9,687,000 $ 124,192 $ 49,000
Carroll, Maryland 77 $ 20,956,000 $ 272,155 $ 61,000
Milwaukee, Wisconsin 77 $ 12,957,000 $ 168,272 $ 69,000
Butte, California 76 $ 16,868,000 $ 221,947 $ 101,000
Kendall, Illinois 76 $ 14,823,000 $ 195,039 $ 75,000
Taos, New Mexico 76 $ 18,688,000 $ 245,894 $ 129,000
Westmoreland, Pennsylvania 76 $ 13,104,000 $ 172,421 $ 73,000
Kenosha, Wisconsin 76 $ 11,604,000 $ 152,684 $ 49,000
Highlands, Florida 75 $ 8,277,000 $ 110,360 $ 52,000
Douglas, Kansas 75 $ 15,105,000 $ 201,400 $ 103,000
Muskegon, Michigan 75 $ 9,008,000 $ 120,106 $ 35,000
Mercer, New Jersey 75 $ 17,056,000 $ 227,413 $ 91,000
New York, New York 75 $ 34,645,000 $ 461,933 $ 156,000
York, South Carolina 75 $ 14,977,000 $ 199,693 $ 55,000
Williamson, Tennessee 75 $ 23,594,000 $ 314,586 $ 98,000
Broomfield, Colorado 74 $ 20,868,000 $ 282,000 $ 89,000
Stark, Ohio 74 $ 9,660,000 $ 130,540 $ 29,000
Delaware, Pennsylvania 74 $ 17,437,000 $ 235,635 $ 81,000
Perry, Pennsylvania 74 $ 12,360,000 $ 167,027 $ 64,000
Virginia Beach, Virginia 74 $ 19,928,000 $ 269,297 $ 71,000
Bay, Michigan 73 $ 8,131,000 $ 111,383 $ 60,000
Crow Wing, Minnesota 73 $ 13,025,000 $ 178,424 $ 68,000
Park, Montana 73 $ 14,843,000 $ 203,328 $ 84,000
Waukesha, Wisconsin 72 $ 17,643,000 $ 245,041 $ 105,000
Shelby, Alabama 71 $ 13,605,000 $ 191,619 $ 65,000
DeSoto, Mississippi 71 $ 12,121,000 $ 170,718 $ 44,000
Bronx, New York 71 $ 24,690,000 $ 347,746 $ 89,000
Union, North Carolina 71 $ 16,651,000 $ 234,521 $ 67,000
Morton, North Dakota 71 $ 15,180,000 $ 213,802 $ 68,000
Guadalupe, Texas 71 $ 12,793,000 $ 180,183 $ 88,000
Lafayette, Louisiana 70 $ 14,580,000 $ 208,285 $ 99,000
Kootenai, Idaho 69 $ 13,888,000 $ 201,275 $ 71,000
Orleans, Louisiana 69 $ 11,030,000 $ 159,855 $ 74,000
Allegan, Michigan 69 $ 11,697,000 $ 169,521 $ 81,000
Greene, Missouri 69 $ 9,081,000 $ 131,608 $ 10,000
Kings, California 68 $ 13,104,000 $ 192,705 $ 73,000
Story, Iowa 68 $ 10,858,000 $ 159,676 $ 68,000
Gallatin, Montana 68 $ 19,246,000 $ 283,029 $ 66,000
Skagit, Washington 68 $ 15,004,000 $ 220,647 $ 90,000
Kitsap, Washington 67 $ 18,168,000 $ 271,164 $ 87,000
Tehama, California 66 $ 11,851,000 $ 179,560 $ 69,000
Charlotte, Florida 66 $ 12,284,000 $ 186,121 $ 84,000
Henrico, Virginia 66 $ 14,894,000 $ 225,666 $ 65,000
Maui, Hawaii 65 $ 29,275,000 $ 450,384 $ 104,000
St. Clair, Illinois 65 $ 11,127,000 $ 171,184 $ 26,000
Cabarrus, North Carolina 64 $ 15,463,000 $ 241,609 $ 90,000
Chesterfield, Virginia 64 $ 15,089,000 $ 235,765 $ 61,000
Madera, California 63 $ 13,535,000 $ 214,841 $ 74,000
Canyon, Idaho 63 $ 9,895,000 $ 157,063 $ 60,000
Morrison, Minnesota 63 $ 9,192,000 $ 145,904 $ 77,000
Lancaster, Pennsylvania 63 $ 11,226,000 $ 178,190 $ 82,000
Greenwood, South Carolina 63 $ 8,474,000 $ 134,507 $ 57,000
Barron, Wisconsin 62 $ 7,788,000 $ 125,612 $ 45,000
Manitowoc, Wisconsin 61 $ 6,454,000 $ 105,803 $ 59,000
Sutter, California 60 $ 12,270,000 $ 204,500 $ 67,000
Atlantic, New Jersey 60 $ 11,722,000 $ 195,366 $ 64,000
Lewis and Clark, Montana 59 $ 12,989,000 $ 220,152 $ 66,000
Rockwall, Texas 59 $ 14,150,000 $ 239,830 $ 120,000
Marion, West Virginia 59 $ 8,643,000 $ 146,491 $ 57,000
Bonneville, Idaho 58 $ 10,352,000 $ 178,482 $ 58,000
Berkeley, South Carolina 58 $ 11,818,000 $ 203,758 $ 70,000
Jefferson, Louisiana 57 $ 9,230,000 $ 161,929 $ 70,000
Boone, Missouri 57 $ 8,410,000 $ 147,543 $ 48,000
Centre, Pennsylvania 57 $ 10,619,000 $ 186,298 $ 85,000
Monongalia, West Virginia 57 $ 11,320,000 $ 198,596 $ 87,000
Honolulu, Hawaii 56 $ 27,158,000 $ 484,964 $ 70,000
Clatsop, Oregon 56 $ 11,789,000 $ 210,517 $ 79,000
Hendricks, Indiana 55 $ 8,547,000 $ 155,400 $ 52,000
Ionia, Michigan 55 $ 6,793,000 $ 123,509 $ 47,000
Lenawee, Michigan 55 $ 7,105,000 $ 129,181 $ 50,000
Niagara, New York 55 $ 7,508,000 $ 136,509 $ 74,000
Butler, Ohio 55 $ 8,143,000 $ 148,054 $ 48,000
Bartow, Georgia 54 $ 9,177,000 $ 169,944 $ 75,000
Fairfield, Ohio 54 $ 8,961,000 $ 165,944 $ 32,000
Bastrop, Texas 54 $ 10,032,000 $ 185,777 $ 91,000
Ellis, Texas 54 $ 11,362,000 $ 210,407 $ 74,000
Escambia, Florida 53 $ 10,786,000 $ 203,509 $ 55,000
Chisago, Minnesota 53 $ 10,297,000 $ 194,283 $ 56,000
St. Louis, Minnesota 53 $ 8,300,000 $ 156,603 $ 44,000
Hillsborough, New Hampshire 53 $ 11,641,000 $ 219,641 $ 84,000
Lawrence, Pennsylvania 53 $ 5,292,000 $ 99,849 $ 50,000
Ozaukee, Wisconsin 53 $ 10,395,000 $ 196,132 $ 83,000
Wells, Indiana 52 $ 5,674,000 $ 109,115 $ 40,000
Lake, Ohio 52 $ 7,249,000 $ 139,403 $ 35,000
Linn, Oregon 52 $ 8,958,000 $ 172,269 $ 68,000
Pennington, South Dakota 52 $ 10,475,000 $ 201,442 $ 68,000
Shawnee, Kansas 51 $ 6,950,000 $ 136,274 $ 66,000
Wyandotte, Kansas 51 $ 7,712,000 $ 151,215 $ 41,000
Spartanburg, South Carolina 51 $ 7,781,000 $ 152,568 $ 53,000
Outagamie, Wisconsin 51 $ 8,303,000 $ 162,803 $ 49,000
Calaveras, California 50 $ 12,819,000 $ 256,380 $ 121,000
Lehigh, Pennsylvania 50 $ 10,401,000 $ 208,020 $ 89,000
Washington, Pennsylvania 50 $ 9,443,000 $ 188,860 $ 84,000
Stafford, Virginia 50 $ 16,655,000 $ 333,100 $ 69,000
Plymouth, Massachusetts 49 $ 12,328,000 $ 251,591 $ 75,000
Clark, Ohio 49 $ 6,543,000 $ 133,530 $ 38,000
Lorain, Ohio 49 $ 7,173,000 $ 146,387 $ 61,000
Lincoln, South Dakota 49 $ 11,075,000 $ 226,020 $ 18,000
Sumner, Tennessee 49 $ 10,921,000 $ 222,877 $ 64,000
Oconto, Wisconsin 49 $ 8,841,000 $ 180,428 $ 81,000
Lee, Alabama 48 $ 8,975,000 $ 186,979 $ 54,000
Yavapai, Arizona 48 $ 10,811,000 $ 225,229 $ 69,000
Dorchester, South Carolina 48 $ 10,573,000 $ 220,270 $ 73,000
Shelby, Tennessee 48 $ 8,889,000 $ 185,187 $ 79,000
Matanuska-Susitna, Alaska 47 $ 13,124,000 $ 279,234 $ 95,000
Paulding, Georgia 47 $ 7,712,000 $ 164,085 $ 33,000
Licking, Ohio 47 $ 8,331,000 $ 177,255 $ 37,000
Butler, Pennsylvania 47 $ 8,310,000 $ 176,808 $ 64,000
Warren, Pennsylvania 47 $ 4,294,000 $ 91,361 $ 59,000
Montgomery, Tennessee 47 $ 8,087,000 $ 172,063 $ 55,000
Madison, Illinois 46 $ 8,092,000 $ 175,913 $ 28,000
Fayette, Kentucky 46 $ 7,488,000 $ 162,782 $ 65,000
Iredell, North Carolina 46 $ 12,332,000 $ 268,086 $ 103,000
Knox, Tennessee 46 $ 7,779,000 $ 169,108 $ 52,000
Rutherford, Tennessee 46 $ 8,416,000 $ 182,956 $ 55,000
Clallam, Washington 46 $ 10,436,000 $ 226,869 $ 129,000
Monroe, Indiana 45 $ 8,155,000 $ 181,222 $ 35,000
Shiawassee, Michigan 45 $ 4,870,000 $ 108,222 $ 56,000
Jasper, Missouri 45 $ 4,696,000 $ 104,355 $ 29,000
Anderson, South Carolina 45 $ 9,565,000 $ 212,555 $ 76,000
Mendocino, California 44 $ 11,818,000 $ 268,590 $ 86,000
Barnstable, Massachusetts 44 $ 12,308,000 $ 279,727 $ 90,000
Berrien, Michigan 44 $ 6,496,000 $ 147,636 $ 79,000
Sussex, New Jersey 44 $ 10,444,000 $ 237,363 $ 85,000
Clermont, Ohio 44 $ 6,410,000 $ 145,681 $ 47,000
Bedford, Pennsylvania 44 $ 6,578,000 $ 149,500 $ 60,000
Lackawanna, Pennsylvania 44 $ 5,334,000 $ 121,227 $ 56,000
Alachua, Florida 43 $ 7,693,000 $ 178,906 $ 81,000
Sumter, Florida 43 $ 7,665,000 $ 178,255 $ 92,000
Coweta, Georgia 43 $ 9,170,000 $ 213,255 $ 47,000
Lake, Indiana 43 $ 7,923,000 $ 184,255 $ 48,000
Ravalli, Montana 43 $ 9,828,000 $ 228,558 $ 59,000
Lincoln, Wyoming 43 $ 9,255,000 $ 215,232 $ 81,000
Summit, Colorado 42 $ 16,920,000 $ 402,857 $ 183,000
Sussex, Delaware 42 $ 11,391,000 $ 271,214 $ 96,000
Pottawattamie, Iowa 42 $ 6,117,000 $ 145,642 $ 58,000
Itasca, Minnesota 42 $ 6,415,000 $ 152,738 $ 42,000
Nicollet, Minnesota 42 $ 6,446,000 $ 153,476 $ 19,000
Newport, Rhode Island 42 $ 13,101,000 $ 311,928 $ 112,000
Beaufort, South Carolina 42 $ 11,608,000 $ 276,380 $ 109,000
Grayson, Texas 42 $ 7,586,000 $ 180,619 $ 98,000
Lee, Mississippi 41 $ 6,396,000 $ 156,000 $ 76,000
Lincoln, Missouri 41 $ 6,194,000 $ 151,073 $ 44,000
Platte, Missouri 41 $ 7,864,000 $ 191,804 $ 37,000
Cape May, New Jersey 41 $ 8,973,000 $ 218,853 $ 133,000
Warren, New Jersey 41 $ 8,971,000 $ 218,804 $ 92,000
Saratoga, New York 41 $ 8,133,000 $ 198,365 $ 57,000
Bristol, Rhode Island 41 $ 12,373,000 $ 301,780 $ 90,000
Spotsylvania, Virginia 41 $ 10,024,000 $ 244,487 $ 57,000
Tuolumne, California 40 $ 9,444,000 $ 236,100 $ 94,000
Madison, Kentucky 40 $ 6,523,000 $ 163,075 $ 78,000
Gaston, North Carolina 40 $ 8,297,000 $ 207,425 $ 86,000
Lancaster, South Carolina 40 $ 9,814,000 $ 245,350 $ 118,000
McLennan, Texas 40 $ 7,841,000 $ 196,025 $ 85,000
Monroe, Wisconsin 40 $ 5,760,000 $ 144,000 $ 55,000
Litchfield, Connecticut 39 $ 8,639,000 $ 221,512 $ 76,000
Lee, Georgia 39 $ 6,308,000 $ 161,743 $ 75,000
Albany, New York 39 $ 7,158,000 $ 183,538 $ 83,000
Medina, Ohio 39 $ 5,838,000 $ 149,692 $ 26,000
Lawrence, Tennessee 39 $ 3,910,000 $ 100,256 $ 44,000
Hardin, Texas 39 $ 6,458,000 $ 165,589 $ 75,000
Butler, Kansas 38 $ 5,928,000 $ 156,000 $ 72,000
Barry, Michigan 38 $ 5,074,000 $ 133,526 $ 68,000
Wood, Ohio 38 $ 5,245,000 $ 138,026 $ 63,000
Orange, Texas 38 $ 5,599,000 $ 147,342 $ 75,000
Taylor, Texas 38 $ 6,538,000 $ 172,052 $ 79,000
Dougherty, Georgia 37 $ 5,125,000 $ 138,513 $ 60,000
Rock Island, Illinois 37 $ 4,154,000 $ 112,270 $ 55,000
Midland, Michigan 37 $ 4,880,000 $ 131,891 $ 78,000
Franklin, Missouri 37 $ 6,357,000 $ 171,810 $ 29,000
Cumberland, Tennessee 37 $ 4,642,000 $ 125,459 $ 53,000
Arlington, Virginia 37 $ 15,077,000 $ 407,486 $ 98,000
Island, Washington 37 $ 10,092,000 $ 272,756 $ 117,000
New London, Connecticut 36 $ 8,454,000 $ 234,833 $ 76,000
Hernando, Florida 36 $ 4,848,000 $ 134,666 $ 53,000
Hawaii, Hawaii 36 $ 14,141,000 $ 392,805 $ 103,000
Sangamon, Illinois 36 $ 5,071,000 $ 140,861 $ 13,000
St. Mary's, Maryland 36 $ 9,094,000 $ 252,611 $ 64,000
Grand Traverse, Michigan 36 $ 6,215,000 $ 172,638 $ 84,000
Gage, Nebraska 36 $ 4,300,000 $ 119,444 $ 54,000
Wharton, Texas 36 $ 5,409,000 $ 150,250 $ 90,000
Amador, California 35 $ 8,291,000 $ 236,885 $ 101,000
Yuba, California 35 $ 7,216,000 $ 206,171 $ 71,000
Suffolk, Massachusetts 35 $ 11,470,000 $ 327,714 $ 80,000
Warren, Ohio 35 $ 8,219,000 $ 234,828 $ 47,000
Richland, South Carolina 35 $ 6,304,000 $ 180,114 $ 64,000
Chippewa, Wisconsin 35 $ 5,107,000 $ 145,914 $ 57,000
St. Croix, Wisconsin 35 $ 7,533,000 $ 215,228 $ 80,000
San Benito, California 34 $ 10,986,000 $ 323,117 $ 63,000
Douglas, Georgia 34 $ 4,706,000 $ 138,411 $ 34,000
Kenton, Kentucky 34 $ 4,066,000 $ 119,588 $ 32,000
Charles, Maryland 34 $ 9,499,000 $ 279,382 $ 48,000
Panola, Mississippi 34 $ 4,374,000 $ 128,647 $ 65,000
Hunterdon, New Jersey 34 $ 9,112,000 $ 268,000 $ 106,000
Buncombe, North Carolina 34 $ 8,319,000 $ 244,676 $ 81,000
Warren, Virginia 34 $ 6,767,000 $ 199,029 $ 26,000
Lake, California 33 $ 6,378,000 $ 193,272 $ 85,000
Mesa, Colorado 33 $ 7,064,000 $ 214,060 $ 47,000
Santa Rosa, Florida 33 $ 6,591,000 $ 199,727 $ 36,000
Hampden, Massachusetts 33 $ 6,636,000 $ 201,090 $ 40,000
Isanti, Minnesota 33 $ 6,010,000 $ 182,121 $ 42,000
Crawford, Pennsylvania 33 $ 3,909,000 $ 118,454 $ 57,000
Northampton, Pennsylvania 33 $ 6,625,000 $ 200,757 $ 87,000
Wilson, Tennessee 33 $ 6,958,000 $ 210,848 $ 65,000
Kaufman, Texas 33 $ 6,543,000 $ 198,272 $ 91,000
Wood, West Virginia 33 $ 4,333,000 $ 131,303 $ 57,000
Kewaunee, Wisconsin 33 $ 3,772,000 $ 114,303 $ 55,000
Racine, Wisconsin 33 $ 6,448,000 $ 195,393 $ 61,000
Rock, Wisconsin 33 $ 5,101,000 $ 154,575 $ 68,000
Elbert, Colorado 32 $ 10,756,000 $ 336,125 $ 110,000
Effingham, Georgia 32 $ 5,168,000 $ 161,500 $ 84,000
Henry, Georgia 32 $ 5,838,000 $ 182,437 $ 28,000
Huntington, Indiana 32 $ 3,533,000 $ 110,406 $ 33,000
St. Joseph, Michigan 32 $ 3,481,000 $ 108,781 $ 50,000
Tuscola, Michigan 32 $ 2,769,000 $ 86,531 $ 43,000
Cape Girardeau, Missouri 32 $ 3,712,000 $ 116,000 $ 38,000
Yamhill, Oregon 32 $ 5,764,000 $ 180,125 $ 58,000
Lexington, South Carolina 32 $ 4,887,000 $ 152,718 $ 43,000
Nueces, Texas 32 $ 6,614,000 $ 206,687 $ 107,000
Chesapeake, Virginia 32 $ 8,448,000 $ 264,000 $ 81,000
Montgomery, Alabama 31 $ 4,897,000 $ 157,967 $ 66,000
Johnson, Indiana 31 $ 4,335,000 $ 139,838 $ 42,000
Posey, Indiana 31 $ 3,390,000 $ 109,354 $ 41,000
Hillsdale, Michigan 31 $ 3,268,000 $ 105,419 $ 65,000
Washington, Wisconsin 31 $ 6,488,000 $ 209,290 $ 73,000
Walton, Florida 30 $ 7,765,000 $ 258,833 $ 173,000
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Mortgage Loan Application Detail Totals for Flagstar Bank in 2015

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 67,922 $16,364,887,000 $240,000 $7,200,000 $90,000 $6,000,000
Refinancing 66,609 $18,341,242,000 $275,000 $2,600,000 $92,000 $5,868,000
Home Improvement 4,152 $1,069,391,000 $257,000 $1,400,000 $103,000 $1,680,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 80,712 $19,776,380,000 $245,000 $7,200,000 $102,000 $6,000,000
Asian 17,588 $6,002,294,000 $341,000 $2,415,000 $131,000 $2,204,000
Not applicable 15,669 $3,824,878,000 $244,000 $2,600,000 $0 $0
Hispanic 11,807 $2,838,670,000 $240,000 $2,100,000 $82,000 $1,474,000
Not Provided 6,862 $1,932,388,000 $281,000 $1,883,000 $103,000 $2,563,000
Black or African American 5,182 $1,165,007,000 $224,000 $1,318,000 $76,000 $2,345,000
Native Hawaiian or Other Pacific Islander 450 $137,171,000 $304,000 $1,000,000 $103,000 $1,113,000
American Indian or Alaskan Native 413 $98,732,000 $239,000 $899,000 $94,000 $724,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 96,108 $26,146,350,000 $272,000 $7,200,000 $109,000 $6,000,000
FHA-insured (Federal Housing Administration) 28,697 $6,043,973,000 $210,000 $946,000 $46,000 $537,000
VA-guaranteed (Veterans Administration) 11,604 $3,279,008,000 $282,000 $1,700,000 $67,000 $1,073,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,274 $306,189,000 $134,000 $406,000 $45,000 $123,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 97,982 $25,500,075,000 $260,000 $2,600,000 $105,000 $6,000,000
Application Denied By Financial Institution 21,999 $5,741,408,000 $260,000 $7,200,000 $99,000 $4,800,000
Loan Purchased By The Institution 15,663 $3,817,996,000 $243,000 $1,666,000 $0 $0
Application Approved But Not Accepted 2,275 $565,094,000 $248,000 $1,763,000 $97,000 $2,345,000
Application Withdrawn By Applicant 744 $146,681,000 $197,000 $1,000,000 $85,000 $1,374,000
File Closed For Incompleteness 20 $4,266,000 $213,000 $1,100,000 $29,000 $336,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit Application Incomplete 11,779 $3,087,957,000 $262,000 $2,100,000 $103,000 $4,278,000
Debt-To-Income Ratio 4,255 $1,171,179,000 $275,000 $7,200,000 $69,000 $718,000
Collateral 2,844 $698,976,000 $245,000 $2,100,000 $114,000 $2,830,000
Credit History 1,511 $366,888,000 $242,000 $2,000,000 $101,000 $4,800,000
Other 1,068 $279,246,000 $261,000 $2,000,000 $138,000 $2,114,000
Unverifiable Information 231 $62,751,000 $271,000 $1,965,000 $109,000 $1,079,000
Employment History 156 $40,078,000 $256,000 $1,060,000 $79,000 $450,000
Insufficient Cash (Downpayment, Closing Cost) 94 $20,534,000 $218,000 $880,000 $84,000 $307,000
Mortgage Insurance Denied 61 $13,799,000 $226,000 $600,000 $107,000 $425,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Flagstar Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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