Flagstar Bank 's primary sources of funds are deposits obtained through its 176 community banking branches and the Internet as well as deposits obtained from municipalities and investment banking firms . Funds are also obtained through loan repayments and sales in the ordinary course of business , advances from the Federal Home Loan Bank of Indianapolis ( FHLB ) , community banking operations , customer escrow accounts and security repurchase agreements . The Bank uses several of these sources at any one time to manage its daily and forecasted liquidity needs to satisfy operational requirements and policy levels while managing overall interest costs . Retail deposits were $ 5.7 billion at September 30 , 2009 , as compared to $ 6.0 billion at June 30 , 2009 and $ 4.8 billion at September 30 , 2008 . At September 30 , 2009 , the Bank had a $ 7.0 billion line of credit with the FHLB , which was collateralized to $ 5.3 billion .