Exhibit

EXHIBIT 21

Subsidiaries of Registrant

(As of December 31, 2019)



		State or Jurisdiction of Incorporation or Organization
Name		State or Jurisdiction of Incorporation or Organization
Douglas Insurance Agency, Inc.		Michigan
Flagstar Bank, FSB		United States of America
Flagstar Investment, LLC		Michigan
Flagstar Mortgage Securities, LLC		Delaware
Flagstar Opportunities Fund Limited Partnership		Michigan
Flagstar Opportunities, LLC		Michigan
Flagstar Real Estate Holdings, Inc.		Michigan
Flagstar Reinsurance Company		Vermont
Flagstar REO, LLC		Delaware
Flagstar Statutory Trust II		Connecticut
Flagstar Statutory Trust III		Delaware
Flagstar Statutory Trust IV		Delaware
Flagstar Statutory Trust V		Delaware
Flagstar Statutory Trust VI		Delaware
Flagstar Statutory Trust VII		Delaware
Flagstar Statutory Trust VIII		Delaware
Flagstar Statutory Trust IX		Delaware
Flagstar Statutory Trust X		Delaware
Lenderful, LLC		Michigan
Long Lake MSR, Inc.		Maryland
Long Lake REIT		Maryland
Propshop Mortgage, LLC		Delaware
REIT #1, Inc.		Michigan
REIT #2, Inc.		Michigan
REIT Holding Co #1, Inc.		Michigan
REIT Holding Co #2, Inc.		Michigan