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EXHIBIT 21
Subsidiaries of Registrant
(As of December 31, 2007)
(As of December 31, 2007)
| State or Jurisdiction of | ||
| Name | Incorporation or Organization | |
| Douglas Insurance Agency, Inc. | Michigan | |
| Flagstar Bank, FSB | United States of America | |
| Flagstar Commercial Corporation | Michigan | |
| Flagstar Investment Group, Inc. | Michigan | |
| Flagstar Reinsurance Company | Vermont | |
| 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 | |
| Flagstar Title Insurance Agency, Inc. | Michigan | |
| Paperless Office Solutions, Inc. | Michigan |