Original filing text · Part II

Item 1A — Risk Factors

Flagstar Bank, National Association · 10-Q · Q2 FY2026 · Period ended Jun 30, 2026

This is the extracted source text from the SEC filing. Formatting may differ from the original document.

Please see “Item 1A. Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2025 for information regarding risk factors that could materially affect our business, financial condition, or future results of operations. There have been no changes with regard to the risk factors disclosed in “Item 1A. Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2025.