Flagstar
Last verified September 16, 2026
Flagstar is a mortgage lender headquartered in Hicksville, NY. Use the mortgagee clause below to list Flagstar correctly on a homeowners insurance policy.
Mortgagee Clause
Flagstar ISAOA ATIMA
Company Profile
- Headquarters
- Hicksville, NY
Source: Company history verified via 2024 NYCB/Flagstar merger and rebrand press coverage.
Contact
- Phone
- 833-811-3061
- Fax
- 888-882-1859
- Website
- https://www.flagstar.com/customer-support/all-faqs/loan-servicing-faqs.html#accordion-1cb04d689e-item-356a5135ca (opens in a new tab)
Source: flagstar.com.
Mailing Address
PO Box 7646Springfield, OH 45501
Additional Notes
Flagstar Bank merged with New York Community Bancorp (NYCB) in 2022, and the combined company rebranded all operations under the Flagstar name in 2024 (the parent company itself is now named Flagstar Financial). If your paperwork references NYCB or an older Flagstar address, confirm current mortgagee details directly with Flagstar.
Understanding Your Mortgagee Clause
A mortgagee clause is the exact wording your homeowners insurance policy must carry so that if the property is damaged, your lender's financial interest is protected alongside your own. It has three parts: the lender's legal name, the ISAOA/ATIMA designation, and the lender's mailing address for insurance correspondence — all three need to match what the lender has on file.
ISAOA stands for "Its Successors and/or Assigns." ATIMA stands for "As Their Interests May Appear." Together they mean that if your loan is later sold or transferred to another company — which happens often in the mortgage industry — your policy's protection automatically follows the loan to its new owner, with no need to update the policy yourself.
Getting the clause wrong is more than a paperwork issue: an insurer that can't match your policy to your lender's records may flag it as lapsed, which can trigger lender-placed (and usually far more expensive) coverage. If Flagstar has sold or transferred your loan since your policy was written, double-check the clause above against your most recent mortgage statement before renewing.