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Flagstar Bank · Texas · 2025

Flagstar Bank in Texas: approval rate, denial rate and rates (2025)

Flagstar Bank took 1,587 mortgage applications in Texas in 2025, ranking #126 of 1,568 lenders active in the state. It originated 59.4% of them and denied 28.3% (31.8% of the applications it decided), against a statewide denial rate of 19.4%.

1.6kApplicationsin TX
31.8%Decision denial ratestate 24.9%
6.50%Median ratestate 6.50%
$285,000Median loanstate $245,000
$341MVolume107 counties
Full Flagstar Bank review All lenders in Texas

Flagstar Bank in Texas vs the state

28.3%Denial rate+8.86 pts vs state
31.8%Decision denial rate+6.85 pts vs state
59.4%Origination rate+4.54 pts vs state
6.50%Median rate0.00 pts vs state
0.10Rate spread (pts)-0.10 pts vs state
$132kMedian applicant income
943Loans originated
449Denied

Trend in Texas

YearApplicationsOriginatedDenial rateMedian rateRank in state
20233,9992,62324.9%6.63%#47
20244,3622,88223.1%6.60%#42
20251,58794328.3%6.50%#126

What Flagstar Bank lends in Texas

By loan purpose

Home purchase 1,095 69% · 28.0% denied
Refinance 155 10% · 25.2% denied
Cash-out refinance 270 17% · 31.5% denied
Home improvement 9 1% · 11.1% denied
Other / HELOC 58 4% · 31.0% denied

By loan type

Conventional 1,153 73% · 26.9% denied
FHA 307 19% · 29.6% denied
VA 112 7% · 33.9% denied
USDA / RHS 15 1% · 66.7% denied

Why it denied Texas applicants

Incomplete application 241 54%
Debt-to-income ratio 103 23%
Other 45 10%
Collateral 29 6%
Credit history 20 4%
Unverifiable information 7 2%
Insufficient cash 4 1%

Where in Texas

Counties with the most Flagstar Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Harris County 28316778 27.6%
Collin County 925723 25.0%
Travis County 905521 23.3%
Montgomery County 896124 27.0%
Bexar County 763626 34.2%
Dallas County 753826 34.7%
Fort Bend County 733923 31.5%
Denton County 684017 25.0%
Tarrant County 593717 28.8%
Williamson County 573314 24.6%

Other large lenders in Texas

LenderGradeApplicationsDenial rateMedian rate
United Shore Financial ServicesB 56,49111.0%6.25%
Rocket MortgageC 45,65822.4%6.63%
21st MortgageF 37,96145.9%9.94%
Dhi Mortgage CompanyB 26,34813.5%4.50%
Lennar MortgageA 21,95920.5%4.50%
Bank of AmericaF 18,00843.0%6.24%
JPMorgan Chase BankB 16,2609.8%6.45%
CMG MortgageA 15,9783.9%6.50%
Vanderbilt Mortgage and FinanceF 15,68344.7%10.50%
Triad Financial ServicesD 15,15850.0%9.35%

Frequently asked questions

Texas: 1,587 applications in 2025, of which 943 were originated and 449 denied.

28.3% of all applications, or 31.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.

The median rate on loans Flagstar Bank originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.

About this data. Figures are Flagstar Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology