EXHIBIT 32.2

    CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of Flagstar Bancorp, Inc. (the
"Company") on Form 10-Q for the quarter ended September 30, 2004 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Michael W. Carrie, Chief Financial Officer of the Company, certify, to the best
of my knowledge, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

               (1)  The Report fully complies with the requirements of Section
                    13(a) or 15(d) of the Securities Exchange Act of 1934; and

               (2)  The information contained in the Report fairly presents, in
                    all material respects, the financial condition and results
                    of operations of the Company.

Dated: November 9, 2004                    by: /s/ Michael W. Carrie
                                               ---------------------
                                               Michael W. Carrie
                                               Executive Director, Treasurer and
                                               Chief Financial Officer