Also known as: Flagstar Bank; Flagstar Mortgage
Flagstar Bank is a regional bank headquartered in Troy, Michigan, and a subsidiary of New York Community Bancorp. It is notable for operating both as a retail bank in its core Michigan markets and as a national mortgage originator and servicer.
For individual customers in Michigan and its other markets, Flagstar commonly offers personal checking and savings accounts, home mortgages, personal loans, and home equity products. For consumers outside its physical branch footprint, Flagstar is most likely to be encountered as a mortgage lender or loan servicer rather than as a full-service banking relationship.
Flagstar is a significant mortgage lender nationally, offering conventional, FHA, VA, and jumbo loan products. Some borrowers who have mortgages originated by other lenders may find that their loan has been serviced by Flagstar after the sale of mortgage servicing rights, which is common in the mortgage industry.
For businesses, Flagstar provides commercial loans, commercial real estate financing, and business banking services.
The bank operates a mobile app and online banking platform for account management, bill pay, and fund transfers.
Flagstar has a national mortgage servicing operation, meaning that consumers whose mortgages were originated by other lenders may find their loan transferred to Flagstar for servicing over the life of the loan. This is standard practice in the mortgage industry. Consumers with questions about a serviced mortgage should contact Flagstar's servicing team directly.
Flagstar Bank is FDIC-insured and deposits are covered up to applicable limits. Rates, fees, and product availability vary by individual circumstances and location. Consumers should verify whether retail banking products are available in their state.
Quick info
Bank
Flagstar Bank; Flagstar Mortgage
New York Community Bancorp, Inc.
FDIC-insured.
2026-06-06
Want to feel clearer about your money?
Ask Fin gives you simple tools for budgeting, spotting savings, exploring income ideas and building better money habits. General guidance only — not regulated advice.
Start with Ask Fin — freeMain products and services
Mortgages; personal banking; business banking; home equity
Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about Flagstar Bank, N.A.?
Start with Flagstar Bank, N.A.'s internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Flagstar Bank, N.A. regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Flagstar Bank, N.A.'s official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Flagstar Bank, N.A. has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Flagstar Bank, N.A. issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
Start with Ask FinFree — no payment details needed.