Sec Form 4 Filing - Raffetto Richard A @ FLAGSTAR BANK, NATIONAL ASSOCIATION - 2025-03-04

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person Raffetto Richard A 2. Issuer Name and Ticker or Trading Symbol FLAGSTAR BANK, NATIONAL ASSOCIATION [ NYSE:FLG] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) SEVP Pres of Com & Priv Bnking (Last) (First) (Middle) 102 DUFFY AVENUE 3. Date of Earliest Transaction (MM/DD/YY) 03/04/2025 (Street) HICKSVILLE, NY11801 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 03/04/2025 I 570 ( 1 ) A $ 11.85 1,122 ( 2 ) I By 401(k) Plan Common Stock 06/04/2025 I 92 ( 1 ) A $ 11.67 1,215 ( 3 ) I By 401(k) Plan Common Stock 09/04/2025 S 4 ( 4 ) D $ 12.93 1,212 ( 5 ) ( 6 ) I By 401(k) Plan Common Stock 12/04/2025 P 95 ( 4 ) A $ 12.85 1,386 ( 6 ) ( 7 ) I By 401(k) Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Raffetto Richard A 102 DUFFY AVENUE HICKSVILLE, NY11801 SEVP Pres of Com & Priv Bnking Signatures /s/ Jan M. Klym, by Power of Attorney 02/06/2026 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Intra-Plan Transfer by the reporting person within the Issuer's qualifying 401(k) Plan, are exempt pursuant to Rule 16b3(f). ( 2 )Includes 552 shares acquired from routine payroll contributions within the Issuer's qualifying 401(k) Plan. ( 3 )Includes .47 shares that were acquired due to dividend reinvestment in the Plan on March 17, 2025, which with aggregated fractional shares which resulted in an increase in whole shares. ( 4 )Intra-Plan Transfer by the reporting person within the Issuer's qualifying 401(k) Plan. ( 5 )Includes 1 share that was acquired as a result of dividend reinvestment on June 17, 2025. ( 6 )On September 4, 2025, shares of common stock of the Issuer were transferred out of the stock fund of the reporting person's 401(k) plan due to the instructions to rebalance certain securities within the 401(k) plan. On December 4, 2025, the 401(k) plan was rebalanced and shares of common stock of the Issuer were transferred back into the Issuer stock fund within the 401(k) plan which created two matchable transactions. The profit realized by these transactions was disgorged to the Issuer. ( 7 )Includes 1 share that was acquired on September 17, 2025, and 1 share acquired on December 17, 2025 both from dividend reinvestment, and 77 shares acquired from routine payroll contributions in January 2026.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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