Two major lenders have ended their disputes with borrowers by agreeing to separate settlements. In the first case, Flagstar Bank has agreed to pay more than $1.1 million in a class-action settlement with white borrowers. A federal judge signed the agreement in Indianapolis on Dec. 22. The case is unusual in that the charges stemmed from the reverse effect of a policy Flagstar implemented in May 2001 to protect minority borrowers against lending discrimination.