WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): July 17, 2003

                             FLAGSTAR BANCORP, INC.
             (Exact name of Registrant as specified in its charter)

          Michigan                      0-22353                 38-3150651
          --------                      -------                 ----------
(State or Other Jurisdiction          (Commission            (I.R.S. Employer
      of Incorporation)               File Number)          Identification No.)

                   5151 Corporate Drive, Troy, Michigan 48098
                    (Address of principal executive offices)

                                 (248) 312-2000
               Registrant's telephone number, including area code

                                 Not Applicable
          (Former Name or former address, if changed since last report)

Item 12. Results of Operations and Financial Conditions (provided under "Item 9.
Regulation FD Disclosure").

         The information required by Item 12 is being provided under Item 9
pursuant to SEC interim filing guidance provided in SEC press release No.

         The information in this Form 8-K is furnished under "Item 12. Results
of Operations and Financial Condition" in accordance with SEC Release No.
33-8216. The information in this Form 8-K and the Exhibit attached hereto shall
not be deemed "filed" for purposes of Section 18 of the Securities Act of 1934,
nor shall it be deemed incorporated by reference in any filing under the
Securities Act of 1933, except as shall be expressly set forth by specific
reference in such filing.

         On July 17, 2003, Flagstar Bancorp, Inc., issued a press release
announcing financial results for the quarter ended June 30, 2003. A copy of this
press release is attached hereto as Exhibit 99.1.


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on behalf by the
undersigned hereunto duly authorized.

                                    FLAGSTAR BANCORP, INC.

Date: July 23, 2003                 By:   /s/ Michael W. Carrie
                                          Michael W. Carrie
                                          Executive Director, Chief Financial
                                          Officer and Treasurer
                                          (Duly Authorized Representative)

                                 EXHIBIT INDEX

Exhibit                  Description
-------                  -----------
99.1                     Results of Operations & Financial Conditions