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Flagstar Bancorp, Inc. operates as the savings and loan holding company for Flagstar Bank, FSB that provides consumer and commercial financial products and services to individuals, and small and middle market businesses in Michigan, Indiana, and Georgia. The company engages in generating deposits and originating loans. Its deposit products include demand deposits, savings and money market accounts, checking deposits, certificates of deposits, municipal deposits, and national deposits. The company�s loan portfolio comprises single-family mortgage loans, home equity lines-of-credit, consumer loans, commercial real estate loans, non-real estate commercial loans, and residential mortgage loans for others. The company, through its other subsidiaries, acts as an agent for life insurance, and health and casualty insurance companies; and provides on-line paperless office solutions for mortgage originators. It also engages in holding investment loans, purchasing securities, selling and securitizing mortgage loans, maintaining and selling mortgage servicing rights, developing new loan products, establishing pricing for mortgage loans to be acquired, providing for lock-in support, and managing interest rate risk associated with these activities. As of December 31, 2007, the company operated a network of 164 banking centers. Flagstar Bancorp, Inc. was founded in 1987 and is headquartered in Troy, Michigan.