X0304 4 2012-01-20 0 0001033012 FLAGSTAR BANCORP INC (NYSE:FBC) 0001368371 Tierney Michael J C/O FLAGSTAR BANCORP, INC. 5151 CORPORATE DRIVE TROY MI 48098 0 1 0 0 Executive Vice-President Flagstar Bancorp, Inc. Common Stock 2012-01-20 4 A 0 4580 0.00 A 107847 D Flagstar Bancorp, Inc. Common Stock 4740 I By 401(k) Plan These shares of Flagstar Bancorp, Inc. Common Stock represent a portion of the reporting person's salary, net of withholdings and deductions, and were issued under Flagstar Bancorp, Inc.'s 2006 Equity Incentive Plan. Because the stock fund component of the 401(k) Plan is accounted for in unit accounting, the number of share equivalents is based on the closing price of Flagstar Bancorp, Inc. Common Stock. /s/ Michael Tierney 2012-01-24