FLAGSTAR BANK, FSB

HICKSVILLE, NY · Supervised by OTS

Est. 1987FDIC #32,541

Satisfactory Down

Current rating · Exam: November 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

None on record

0 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.10%

Institution Profile

FDIC BankFind

Website

www.flagstar.com

Address

102 Duffy Ave, HICKSVILLE, NY

County

Nassau County

Established

May 20, 1987

Total Assets

$87.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 16, 2007

Exam Type

Large Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$87.1B

Total Deposits

$66.8B

Net Loans

$59.7B

Net Income

$21M

ROA

0.10%

Below avg for Regional banks. Peer avg: 0.88%

ROE

1.03%

Risk-Based Capital

16.68%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA0.10%Peer avg: 0.88%▼ Below avg

Risk-Based Capital16.68%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate24.64%Peer avg: 26.91%▲ Above avg

Complaints / $B0.00Peer avg: 0.04▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

360

Branch Deposits

$70.2B

1-Year Change

-59

5-year net change: +199 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	50,863	57.89%	24.64%
2023	54,786	55.71%	25.57%
2022	98,947	61.85%	20.81%
2021	161,304	68.34%	15.99%
2020	173,141	70.05%	15.16%
2019	117,085	70.89%	17.80%
2018	102,661	71.19%	21.40%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Consumer Complaints

CFPB · through Aug 2022

Last 12 Months

All Time

106

Monetary Relief

0.9%

Untimely Response

Most common complaint type: Mortgage· 0 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2007	Satisfactory	Large Bank
Sep 2004	Outstanding	Large Bank
Feb 2001	Satisfactory	Large Bank

5 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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