<SEC-DOCUMENT>0001193125-22-016061.txt : 20220124
<SEC-HEADER>0001193125-22-016061.hdr.sgml : 20220124
<ACCEPTANCE-DATETIME>20220124162106
ACCESSION NUMBER:		0001193125-22-016061
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20220124
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220124
DATE AS OF CHANGE:		20220124

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		22549601

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d289094d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2021" xmlns:us-types="http://fasb.org/us-types/2021-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nycb="http://www.mynycb.com/20220124" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>Form 8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body><div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2022-01-24_to_2022-01-24">NEW YORK COMMUNITY BANCORP INC</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember" name="dei:Security12bTitle" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM </ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" name="dei:Security12bTitle" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2022-01-24_to_2022-01-24">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2022-01-24_to_2022-01-24">0000910073</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="nycb-20220124.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2022-01-24_to_2022-01-24"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-01-24</xbrli:startDate> <xbrli:endDate>2022-01-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-01-24</xbrli:startDate> <xbrli:endDate>2022-01-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNoteUnitSecuritiesMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-01-24</xbrli:startDate> <xbrli:endDate>2022-01-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-01-24</xbrli:startDate> <xbrli:endDate>2022-01-24</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Washington, D.C. 20549</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2022-01-24_to_2022-01-24">8-K</ix:nonNumeric></span></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section 13 or 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of the Securities Exchange Act of 1934</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt:datemonthdayyearen"><span style="text-decoration:underline">January</span><span style="text-decoration:underline"></span><span style="text-decoration:underline"> 24, 2022</span></ix:nonNumeric></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">NEW YORK COMMUNITY BANCORP, INC.</span> </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact name of registrant as specified in its charter)</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2022-01-24_to_2022-01-24">1-31565</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2022-01-24_to_2022-01-24">06-1377322</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or other jurisdiction of</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">incorporation or organization)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(I.R.S. Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2022-01-24_to_2022-01-24">102 Duffy Avenue</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2022-01-24_to_2022-01-24">Hicksville</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2022-01-24_to_2022-01-24">11801</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Address of principal executive offices)</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2022-01-24_to_2022-01-24">(516)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2022-01-24_to_2022-01-24">683-4100</ix:nonNumeric></span></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Registrant&#8217;s telephone number, including area code)</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Not applicable</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Former name or former address, if changed since last report)</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section 12(b) of the Act:</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, $0.01 par value per share</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NYCB</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"> <span style=" -sec-ix-hidden:Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES <sup style="font-size:85%; text-align: center;margin:auto; vertical-align:top">SM </sup></span> </span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">NYCB PU</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <span style=" -sec-ix-hidden:Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"><span style="font-weight:bold"><span style="white-space:nowrap"><span style="white-space:nowrap">Fixed-to-Floating</span></span> Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</span></span> </td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">NYCB PA</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (Section 230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 (Section <span style="white-space:nowrap">240.12b-2</span> of this chapter).</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2022-01-24_to_2022-01-24" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center"><span style="text-decoration:underline">CURRENT REPORT ON FORM <span style="white-space:nowrap">8-K</span> </span></p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Item 7.01 <span style="text-decoration:underline">Regulation FD Disclosure</span> </p> <p style="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">On January&#160;24, 2022, New York Community Bancorp, Inc. (the &#8220;Company&#8221;) issued a press release announcing that it has entered into an agreement with the National Community Reinvestment Coalition (&#8220;NCRC&#8221;) to support communities of color, the underserved, small businesses, diversity and an ongoing commitment to responsible multi-family lending (the &#8220;Agreement&#8221;). Pursuant to the terms of the Agreement, the Company has committed to provide $28&#160;billion in loans, investments, and other financial support to communities and people of color, <span style="white-space:nowrap">low-</span> and moderate-income (&#8220;LMI&#8221;) families and communities, and small businesses. The Agreement was developed with NCRC and its members in conjunction with the Company&#8217;s pending merger with Flagstar Bancorp, Inc. (&#8220;Flagstar&#8221;), and the Agreement is subject to the closing of the Flagstar merger. </p> <p style="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">The Agreement includes $22&#160;billion in community lending and affordable housing commitments and $6&#160;billion of residential mortgage originations to underserved and LMI borrowers and in LMI and majority-minority neighborhoods over a five-year period. These investments will cover both communities already served by the Company and those it will expand into through its acquisition of Flagstar, and further the positive community impact our merger with Flagstar will have. </p> <p style="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">The disclosure regarding the Agreement is qualified in its entirety by the press release which is attached hereto as Exhibit 99.1 and furnished herewith. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Item 9.01 <span style="text-decoration:underline">Financial Statements and Exhibits</span> </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:7%;vertical-align:top" align="left">(d)<span style="text-decoration:underline"></span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="text-decoration:underline"></span>Attached as Exhibit 99.1 is a press release issued by the Company on January&#160;24, 2022 to announce the Agreement with NCRC. </p></td></tr></table> <p style="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center"><span style="text-decoration:underline">EXHIBIT INDEX </span></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:88%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap">Exhibit&#160;Number</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman">Description</p></td></tr>


<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">Exhibit&#160;99.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d289094dex991.htm">Press release issued by the Company on January&#160;24, 2022. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">Exhibit 104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document).</td></tr>
</table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:47%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom"></td>
<td style="width:47%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">Date:<span style="text-decoration:underline">January&#160;24, 2022</span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">NEW YORK COMMUNITY BANCORP, INC.</td></tr>
<tr style="font-size:1pt">
<td style="height:12pt" colspan="3"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="3" style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Salvatore J. DiMartino</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="3" style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">Salvatore J. DiMartino</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="3" style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">Executive Vice President</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="3" style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">Chief of Staff to the CEO</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d289094dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5" ALIGN="center">


<IMG SRC="g289094g88p05.jpg" ALT="LOGO">
</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5" ALIGN="center">102 Duffy Avenue, Hicksville, NY 11801 &#149; Phone: (516) <FONT STYLE="white-space:nowrap">683-4420</FONT> &#149; www.myNYCB.com</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FOR IMMEDIATE RELEASE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Investor/Media Contact:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Salvatore J. DiMartino</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(516) <FONT
STYLE="white-space:nowrap">683-4286</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>NEW YORK COMMUNITY BANCORP, INC. ANNOUNCES $28 BILLION COMMUNITY BENEFITS AGREEMENT WITH NCRC TO SUPPORT
COMMUNITIES OF COLOR, THE UNDERSERVED, SMALL BUSINESSES, DIVERSITY, AND ONGOING COMMITMENT TO RESPONSIBLE MULTI-FAMILY LENDING </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Hicksville, N.Y.,
January&nbsp;24, 2022 &#150; New York Community Bancorp, Inc. (NYSE: NYCB) (the &#147;Company&#148; or &#147;NYCB&#148;) and the National Community Reinvestment Coalition (&#147;NCRC&#148;) announced today the Company&#146;s commitment to provide
$28&nbsp;billion in loans, investments, and other financial support to communities and people of color, <FONT STYLE="white-space:nowrap">low-</FONT> and moderate-income (&#147;LMI&#148;) families and communities, and small businesses. The
Company&#146;s Community Pledge Agreement (the &#147;Agreement&#148;) was developed with NCRC and its members in conjunction with the Company&#146;s pending merger with Flagstar Bancorp, Inc. (&#147;Flagstar&#148;). The Agreement is subject to the
closing of the Flagstar merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Agreement includes $22&nbsp;billion in community lending and affordable housing commitments and $6&nbsp;billion of
residential mortgage originations to underserved and LMI borrowers and in LMI and majority-minority neighborhoods over a five-year period. These significant investments will cover both communities already served by the Company and those it will
expand into through its acquisition of Flagstar, and further the positive community impact our merger with Flagstar will have. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Over the past
several months, members of both NYCB&#146;s and Flagstar&#146;s leadership teams have met with NCRC and nearly 80 of its member organizations and were humbled by everything they do for their communities,&#148; said Thomas R. Cangemi, Chairman,
President, and CEO of New York Community Bancorp, Inc. &#147;This multi-year agreement reflects our commitment to provide greater economic opportunities for LMI communities and communities of color in both of our market areas and bridge the racial
wealth gap that exists today.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Added Sandro DiNello, President and CEO of Flagstar Bancorp, Inc., &#147;Flagstar goes into this agreement with the
momentum of an outstanding CRA rating and a long history of investing in underserved communities. This is a <FONT STYLE="white-space:nowrap">far-reaching,</FONT> substantial agreement that aims to move the needle on closing the racial wealth gap and
bringing expanded CRA initiatives to the broader footprint of our pending new company. We thank the leadership of NCRC and its members for their hard work in bringing this agreement to fruition.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Once the NYCB/Flagstar merger closes, the combined company will have $85&nbsp;billion in assets, operate nearly 400 branches in nine states, and 84 retail
loan production offices across a <FONT STYLE="white-space:nowrap">28-state</FONT> footprint, as well as a national mortgage origination and servicing platform. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;We appreciate the leadership and commitment of NYCB to collaborate with us and our members to create this impactful community agreement,&#148; said
Jesse Van Tol, President and CEO of NCRC. &#147;This plan is a significant commitment to increase investments, services and loans for <FONT STYLE="white-space:nowrap">low-</FONT> and moderate-income communities and neighborhoods of color where these
banks operate. With this agreement, we established a new product change and innovation committee that we hope will lead to significant product offerings and added a 40% increase over 5 years in community development loans and investments.&#148; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Agreement addresses several important areas of need within our communities that were identified during
our meetings with NCRC and its member organizations. These include, but are not limited to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Affordable Housing and Residential Mortgage Lending:</B> NYCB pledges to originate $5.7&nbsp;billion of loans
for home purchases, refinances, home improvement, and home equity loans to underserved and LMI borrowers and in majority-minority communities. The Company will also provide loan products or participate in affordable housing programs which address
the specific needs of LMI borrowers and create a $10&nbsp;million down payment assistance fund to support home ownership for LMI borrowers. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>The Continuation of our Responsible Multi-Family Lending Practices: </B>NYCB is committed to promoting fair
and responsible multi-family lending practices for all multi-family loans within its portfolio. These include practices designed to prevent community harm and protect tenants&#146; rights, such as displacement, speculative investing, landlord
vetting, lead paint abatement, and tenant outreach programs. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Small Business Lending: </B>NYCB will provide $542&nbsp;million in loans to small businesses with less than
$1&nbsp;million in revenues and in LMI and majority-minority communities. In addition to originating loans directly to small businesses, the Company will also provide funding to nonprofit organizations that assist small businesses and provide grants
to small businesses, including those that were impacted by <FONT STYLE="white-space:nowrap">COVID-19.</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Community Development Lending and Investments: </B>The Company intends to invest $21.7&nbsp;billion in
community development loans and investments, including those that address the needs of LMI communities and individuals and New Markets Tax Credit and Low Income Housing Credit projects. As part of this, NYCB will invest in home ownership and
affordable housing strategies with <FONT STYLE="white-space:nowrap">minority-led</FONT> organizations and organizations that address housing issues in minority communities. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Philanthropy: </B>NYCB will commit $16.5&nbsp;million in philanthropic support to nonprofit organizations that
meet the needs of LMI and majority-minority communities and individuals. This includes support for those organizations with majority-minority leadership and nonprofit organizations serving immigrant and refugee communities, housing counseling,
foreclosure prevention, and workforce development. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Access to Banking Products and Services: </B>As a result of the merger with Flagstar, NYCB does not plan to
close any branches, including branches in LMI or majority-minority communities. In addition, the Bank will seek to maintain a diverse and inclusive workforce which reflects the demographics of the communities it serves and will endeavor to maintain
its practice of staffing branches by individuals who live in the same communities and who are conversant in the language spoken in their communities. NYCB will also prioritize employment opportunities within the local communities. The Company will
continue to offer banking products and services to financially underserved communities and individuals, including access to its Bank On certified &#147;Simply One&#148; product. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Additional initiatives include financial education programs for seniors, adults, children, and small business, supplier diversity, and age friendly banking.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Added Mr.&nbsp;Cangemi: &#147;We believe that this important and groundbreaking level of commitment will benefit all of the communities we currently
serve and the newer communities we plan to serve once our merger with Flagstar closes. I would also like to thank Jesse Van Tol and his team at NCRC for their leadership and guidance during this process.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About New York Community Bancorp, Inc. </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Based in
Hicksville, NY, New York Community Bancorp, Inc. is a leading producer of multi-family loans on <FONT STYLE="white-space:nowrap">non-luxury,</FONT> rent-regulated apartment buildings in New York City, and the parent of New York Community Bank. At
September&nbsp;30, 2021, the Company reported assets of $57.9&nbsp;billion, loans of $43.7&nbsp;billion, deposits of $34.6&nbsp;billion, and stockholders&#146; equity of $7.0&nbsp;billion. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Reflecting our growth through a series of acquisitions, the Company operates 236 branches through eight
local divisions, each with a history of service and strength: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio
Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About the National Community Reinvestment Coalition </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The National Community Reinvestment Coalition and its grassroots member organizations create opportunities for people to build wealth. We work with community
leaders, policymakers, and financial institutions to champion fairness in banking, housing, and business. NCRC was formed in 1990 by national, regional, and local organizations to increase the flow of private capital into traditionally underserved
communities. NCRC has grown into an association of more than 6oo community-based organizations in 42 states that promote access to basic banking services, affordable housing, entrepreneurship, job creation, and vibrant communities for America&#146;s
working families. More can be found at: www.ncrc.org. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>nycb-20220124.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 1/25/2022 2:13:29 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2021-01-31"
  xmlns:nycb="http://www.mynycb.com/20220124"
  xmlns:dei="http://xbrl.sec.gov/dei/2021"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.mynycb.com/20220124"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2021/dei-2021.xsd" namespace="http://xbrl.sec.gov/dei/2021" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2021/naics-2021.xsd" namespace="http://xbrl.sec.gov/naics/2021" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" namespace="http://fasb.org/us-gaap/2021-01-31" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd" namespace="http://fasb.org/us-types/2021-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20220124_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20220124_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20220124_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="nycb_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="nycb_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="nycb_BifurcatedOptionNoteUnitSecuritiesMember" name="BifurcatedOptionNoteUnitSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" name="FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>4
<FILENAME>nycb-20220124_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 1/25/2022 2:13:33 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20220124.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_BifurcatedOptionNoteUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNoteUnitSecuritiesMember" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="nycb_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="nycb_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_BifurcatedOptionNoteUnitSecuritiesMember" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="31.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="52.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>nycb-20220124_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 1/25/2022 2:13:29 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_DocumentAndEntityInformationTable" xlink:to="nycb_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="nycb_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:loc xlink:href="nycb-20220124.xsd#nycb_BifurcatedOptionNoteUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNoteUnitSecuritiesMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_BifurcatedOptionNoteUnitSecuritiesMember" xlink:to="nycb_BifurcatedOptionNoteUnitSecuritiesMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNoteUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Bifurcated Option Note Unit Securities [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNoteUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Bifurcated Option Note Unit Securities [Member]</link:label>
    <link:loc xlink:href="nycb-20220124.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>nycb-20220124_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 1/25/2022 2:13:30 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20220124.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="nycb_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationTable" xlink:to="nycb_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_BifurcatedOptionNoteUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNoteUnitSecuritiesMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_BifurcatedOptionNoteUnitSecuritiesMember" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="nycb-20220124.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g289094g88p05.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g289094g88p05.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H
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M0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4
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MQ/\ Z"U<>(^.)M3^%GOWPI_Y)EHG^X__ *,:NPYV=E0 4 % !0 4 % !0 4
M% !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0
M 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 %
M !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0
M4 % !0 4 % !0!P_Q?\ ^26ZS_VQ_P#1R4 SP;Q#_P B5H/^>U<='^-,Z)_"
MC/TW_D4=;_WX/_0C6E2W/%,B.BN=5X,\3&^C&FWCYN8Q^[<_QKZ'WKDQ-!K6
M)M2G<O>*_#BZU:>=  +V$?(?[X_NG^E1AZW([/8JI#F1Q"J4\"3*P(8:@ 0>
MWR5V7O43,+6@S KJ,PH * "@#K_"_P#R*WB'_KB?_06KCQ'QQ-J?PL]^^%/_
M "3+1/\ <?\ ]&-78<[.RH * "@ H * "@ H * "@ H * "@ H * "@ H *
M"@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H
M * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "
M@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H X?XO_\
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M[=(%*XCP,%@2>3R?H10!U5 !0 4 % '->./%D/@[PW+J;Q^;*6$<$6<;W.<
M^W!)^E ''Z-JGQ#NM!_X2FZN[3[/'N=M+^S[6DC0D-ANH8X) Y[?2@#N?!^M
M2^(O"UEJ\T8C>Z#.$'\(W$ ?D!0!N4 % !0 4 % !0 4 % !0 4 % !0 4 %
M !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0
M4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 %
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M5CG.T_W?2H<K24>YI&'-&3['F'_#37_4H_\ E1_^U59F'_#37_4H_P#E1_\
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M*WB'_KB?_06KCQ'QQ-J?PL]^^%/_ "3+1/\ <?\ ]&-78<[-7Q'_ ,?&A?\
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M5>GX1@?C0!E_#J^?Q+::)J$LQ?\ LS3C"P)SF5G*9/N%A_\ 'Z /2* "@ H
M* "@ H * "@#X@\=_P#(_P#B'_L(3?\ H9K*C_#1OB/XGR7Y(]C_ &=?%V^*
M\\*7+\IFYM<GM_&H_'!_$UV/WZ=^J_+_ ('^1Q_#4\G^?_#?D>WZS_R [_\
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MOD_8_,QM8C[V\>GI71.');S5S",KMKL=)_PS+_U-W_E._P#MM04;G@_X#_\
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M3L:5*H[\RW152FDK/9GV+X,UMO$?@W2=7?'F7-NK28Z;QPWZ@UM6BHS=MO\
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M^:4#-3P!9MIGQ2\<6KKM,DB3J/569F!_\>% &!K=N]U\4O'-RJDQVNARAF[
MFW4 ?S_*@#+T"X.EM\+[Y3L,SW%L[>JM,5P?^^S0!T'Q+TA=>^)^@Z4V,W-A
M,BDG #;9-IZ>N#0!N?!?5_M/@^32)W/VS2YVB>,]54DD?KN'X4".7^*\#:%\
M2O#GB5ABUW1[V'.#&^3Q_ND?D:!]#VX2)Y6\,-@&=V>*!'B5_<?VB_@#7B<Q
M2ZU<?,>P>YRH_(?I0,W_ (SVK:E;>&].C&9+G4E0+ZY&/ZT",[XKVV_P[KTR
MY!M+VTD!'\/[O;_[-0,9I2R+\7?"1F&)GT022?[[+(S?J30!G_$M)8+274[<
M?O[3Q%\A]"88R/U04 =)H%O]C^-]Y; 8$.B1(/P,8_I0(3X3'9X@\<(>&&I'
M(_X')0!KZ;_R+4##H^OR,#[?;&H Y3Q!IC:;\?\ 1;F%=D&HA9'QT9U#*?Y*
M?Q]Z!G1Z$0?C;XIQVLX!_P".K0(H>.?^2N^!_P#>?^= 'ITR+);R1NH9&4@@
M]QB@#S+X#QJG@F^95 )U!QGV")B@#U&@ H * "@ H * "@ H ^)/&D33_$?7
M85(#2:E*HSTR9"*C#1<XQBNIKBY*$G)]$OR(]-N]2\ ^.(IV4QWNF7.V1.S
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ME^K.:"M.7R_K\#Q?XS?\E8US_?C_ /1:UQTMGZO\SJJ]/1'TY\.?^2;^'?\
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MM]1&R?'195'7\5'Z&L8^[-Q^:_7^O,WE[T%+JM/\O\ON.1^#W_)5M!_ZZO\
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M_P %8O WB4:U)K?]H.L31QQ_9/*VDX^;.]NV1^-5&?+%KN9RCS-/L>K5!84
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MAXLL==_X2/[7]E+'R?L6S=E2OWMYQU]*TA/D37=6)E'F/8:S*"@ H X?XO\
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M@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H
M* "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@
M H * "@ H * "@ H * "@ H * .'^+_'PMUG_MC_ .CDH"USQ:?2SK?A+2((
M;NVB>%=S"5\=O;->>JGLZC=MSJY>:)E?\(-=_P#02L/^_I_PK7ZRNQ'LP_X0
M:[_Z"5A_W]/^%'UE=@]F'_"#7?\ T$K#_OZ?\*/K*[![,/\ A!KO_H)6'_?T
M_P"%'UE=@]F7;/P[K6GILM-;L8AG/RR=_P#OFHE6C+=#4&MBW_9_B?\ Z&2U
M_P"_O_V-3STOY2K2[C3IWB9A@^)+;\)2/_9:.>G?X0M+N9]SX2U2\??<ZU:3
M-ZR3LV/S%6J\(_"K$\C?4T;'23H?AK6XY[RUD::!MOE29Z*WK]:SE4]I*+0U
M'E1[;\*/^28Z)_N/_P"C&KT3G>Y=\5^"=/\ &(MX]3NKU;>')$$,H5&;^\1@
MY(YQ]:!;&8GPNT9FL([V]U'4+.P_X][2ZF5HD_ *"?Q- '1?\(_!_P )$FM?
M:[L3)$85A\P>4%.,C;CU /U% &.OP\TR/7+_ %F*_P!2BO;Y669XYP,JW8<<
M8P,?04 :VE^'+/2M .BI)/<6>PQXN)-Y"$8VY],<8H CU'PKIFK>'(M#OHVE
MMHHU1&SAT*C 8'L: *EEX-BCU&RU&_U6^U&\L6/V>2=E 12I4C"J <@\D\\#
MF@!+SP5;2W=]+8W]UIL>HC%[#;!-LW&">5)5B"02N,_7F@"?4?!NEZCX<BT
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M@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H
M* "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@
M H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H RO$>@6GB?0;G1[U
MY4MKC;O:$@,-K!A@D$=5':@#@O\ A0GA7_G^U7_O]'_\10M!W:#_ (4)X5_Y
M_=5_[_1__$4:=@NP_P"%">%?^?W5?^_T?_Q%&G8+L/\ A0GA7_G]U7_O]'_\
M11IV"[#_ (4)X5_Y_=5_[_1__$4:=@NP_P"%">%?^?W5?^_T?_Q%&G8+L/\
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MKS_P+N/_ (J@ _X5-\2?^BE7G_@7<?\ Q5 !_P *F^)/_12KS_P+N/\ XJ@
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M_P *F^)/_12KS_P+N/\ XJ@!R?";XCE@'^)=Z%[D75P3_P"A4 2_\*D\?_\
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M>_\ ?R;_ .+H /\ A3?CC_HI5[_W\F_^+H /^%-^./\ HI5[_P!_)O\ XN@
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MIGQA_P!%/U+_ ,B__': #_A3/C#_ **?J7_D7_X[0 ?\*9\8?]%/U+_R+_\
M': #_A3/C#_HI^I?^1?_ ([0 ?\ "F?&'_13]2_\B_\ QV@ _P"%,^,/^BGZ
LE_Y%_P#CM &YX)^&.M^%O$D>IWWC&YU2!(V0V\BN 21@'ER./I0!Z;0!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.4</span><table class="report" border="0" cellspacing="2" id="idm140236149759816">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jan. 24, 2022</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nycb_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NEW YORK COMMUNITY BANCORP INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000910073<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 24,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-31565<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">06-1377322<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">102 Duffy Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Hicksville<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">11801<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(516)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">683-4100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nycb_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNoteUnitSecuritiesMember', window );">Bifurcated Option Note Unit Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nycb_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Bifurcated Option Note Unit SecuritiES SM <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PU<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember', window );">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nycb_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nycb_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nycb_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nycb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNoteUnitSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNoteUnitSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>d289094d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2021"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nycb="http://www.mynycb.com/20220124"
  xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nycb-20220124.xsd" xlink:type="simple"/>
    <context id="duration_2022-01-24_to_2022-01-24">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2022-01-24</startDate>
            <endDate>2022-01-24</endDate>
        </period>
    </context>
    <context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-24</startDate>
            <endDate>2022-01-24</endDate>
        </period>
    </context>
    <context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNoteUnitSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-24</startDate>
            <endDate>2022-01-24</endDate>
        </period>
    </context>
    <context id="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-24</startDate>
            <endDate>2022-01-24</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2022-01-24_to_2022-01-24"
      id="Hidden_dei_EntityRegistrantName">NEW YORK COMMUNITY BANCORP INC</dei:EntityRegistrantName>
    <dei:Security12bTitle
      contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember"
      id="Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM </dei:Security12bTitle>
    <dei:Security12bTitle
      contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="Hidden_dei_Security12bTitle_duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</dei:Security12bTitle>
    <dei:AmendmentFlag contextRef="duration_2022-01-24_to_2022-01-24">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2022-01-24_to_2022-01-24"
      id="Hidden_dei_EntityCentralIndexKey">0000910073</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2022-01-24_to_2022-01-24">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2022-01-24_to_2022-01-24">2022-01-24</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2022-01-24_to_2022-01-24">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2022-01-24_to_2022-01-24">1-31565</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2022-01-24_to_2022-01-24">06-1377322</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2022-01-24_to_2022-01-24">102 Duffy Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2022-01-24_to_2022-01-24">Hicksville</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2022-01-24_to_2022-01-24">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2022-01-24_to_2022-01-24">11801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2022-01-24_to_2022-01-24">(516)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2022-01-24_to_2022-01-24">683-4100</dei:LocalPhoneNumber>
    <dei:Security12bTitle contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NYCB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">NYCB PU</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNoteUnitSecuritiesMember">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">NYCB PA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-01-24_to_2022-01-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:WrittenCommunications contextRef="duration_2022-01-24_to_2022-01-24">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2022-01-24_to_2022-01-24">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2022-01-24_to_2022-01-24">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2022-01-24_to_2022-01-24">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2022-01-24_to_2022-01-24">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>10
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M3^2B/QK<W8_)<#1 0 \+T$.T@SX$)<P#<QWQ>14@WG[&(R,0CJ."XZA)P 9
MHGD$J0G%BMR(MRHB7,F#OV/J>5T?P>H46!U4K"B;Z5M:F3Z\>6__!H'H%A#=
M9A!CH:5RY1L2F*65/+C2^ZSZY<.'FGG5*]AZ3?(V3 *E4Z77DVEB@8X,5 ;)
MA)RJL!(5%[Z\0NB."[KC)G37,A)DE,7/0E>!X!ITWZ='G2.$AGJE2WI->*9\
M188A9%3.9+ .V6ZZ&DFOLT_];M='LTFW?)PV(>R'H1;&[+U?D-P>[Y+*1-9(
M4H^1RVPV ]57D6286]#2SBG[7YP#=Z<TF:IE]6J#RWV2P8MYE5&$TI7N3QO9
M?T&WGA" -];J529!=1AKEH(G#*WT>XH;]M=H8V4L&.Y?,MTY46L4*>UY%&,K
MUP"*6W>>Q#[L"G>CX *_'='.[QA*Z?L4=^[/*H"HC!<JP9RC1J33\_</82G"
MB,I%@.+>_:BEM2*!T,1QEFQ\PU12X4)U2S8MO9_B'CU1D0RDE<F<W$*!:\FC
M2AY<I9:G='N*6_58BSP\ F;8>M6&S8W0Y&XVVY$_7*^.C)7&SW"7_H9L:$P&
M9'6 -;*U@*7OLT:^?Q4+/7?Y_ @*=N&84YY4[L)J!&O1MG;NN#>[N.6;"A6\
MD"^WPDU&;(_.2IMF_L]X*6"E^3+<*B<BR+3KA;)G,I7VZ^5F$UE<9#L>>^17
M[\"C).6:O/(H$R2%<C(+KM'8EX[,<$.=:AZZ<IB\Q<^J<G+7"(R>!A<826G(
M#/?2(G17JV#!D[G8^495(S1ZFF!;2U8:,L-]]$+.,@TV+$)REZXW<0I6^8=$
M6K*AE<(TJMC2<5GOIU1L::D,M\"&%8N*N".A$Y/R0)RU4MAU"/TJ6HW"=S4A
MDUN"O8^7#NSC5EE?R34"KI+)^ &#*=W6Q\VQ>3'7"-44LU^:K(^;[+5<02*F
MBEQ'BN<K^KW;LDY@48<:[D-N$JB\+.+N],N]B*;"9FZ'I 4L71K:-O9G?^L0
MY:?XLU_ZL_\C_+E&) _EOE7[WQ?*;ZP=&V%IZ/[W&GJ-P'H:]#&8TM/]'^7I
M-4*[ID%[ZT33G0[?<K>[,202,]#Q#KHP5KT^<%W?6)7FAYS/REH5YY<+P6&+
MYAZ WV<*/&ISX\Y-BV/O\W\!4$L#!!0    ( *&".%2?H!OPL0(  .(,   -
M    >&PO<W1Y;&5S+GAM;-U7;6O;,!#^*T(_8&YB:N*1&+9 8;"-0O-A7Y58
M=@1Z\62Y<_KKI[-L)VEU9=V'L<VAR=T]NKM'=R>9KEMWDOSAR+DCO9*ZW="C
M<\W[)&D/1ZY8^\XT7'ND,E8QYU5;)VUC.2M;<%(R6=[<9(EB0M-BK3MUIUQ+
M#J;3;D-O:%*L*Z//EI0&@U_*%">/3&[HEDFQMV)8RY20IV!>@N%@I+'$>2I\
M0Q=@:9\"O @:L!SC**&-!6,2,H3O_;C\&3!IK5>%E#/!)0V&8MTPY[C5=UX9
M%@_&%Q 9Y=VI\0QKRTZ+Y2T].PP_/LG>V)+;.<V"3J9B+7D%=*RHC_#K3),
MZ)Q17B@%JXUF X?)8Q1\V .7\@%:^*VZBMU7)/3B4PEM(+#52?2$1C&$"0K$
MOXP68E^$O?VML*01C\9][/QN]*!_[XSC]Y97HA_TOIKS8]$7>'36-/+T08I:
M*Q[V_LL)BS6;_,C16/'DL\&D'+R!6TH>N77B<&GY85FSX[V;IJFO<,[+?Y#S
MGZUSS36W3%Z2]J/_-U?Y+8R3\?1<'-&K SI;"5R$&_H5[E=YYD#VG9!.Z%$[
MBK+D^L4Y]>$=V_L+_"J^7U_RBG72[69P0\_R%UZ*3N7SJGNHR[CJ+'^&^VB1
MS;>PSR5TR7M>;D?5UOM!)%[P6<<'')XC=\,31S"?@,41P+ \& /,)WAA>?ZG
M_:S0_00,X[:*(BO49X7Z!*\8LAT^6)ZX3^Z?^$[S/$VS#*OH=AMEL,7JEF7P
M%X^&<0,/+ ]D>ENM\6[C$_+Z'& ]?6U"L)WBDXCM%*\U(/&Z@4>>Q[N-Y0$/
MK O8[$#^>!Z8J;A/FD)7,6[8"<:1/,<0F,7XC&894IT,/O'^8*<D3?,\C@ 6
M9Y"F& *G$4<P!L !0])T> \^>Q\ETWLJ.?]74_P$4$L#!!0    ( *&".%27
MBKL<P    !,"   +    7W)E;',O+G)E;'.=DKENPS ,0'_%T)XP!] AB#-E
M\18$^0%6H@_8$@6*19V_K]JE<9 +&7D]/!+<'FE [3BDMHNI&/T04FE:U;@!
M2+8ECVG.D4*NU"P>-8?20$3;8T.P6BP^0"X99K>]9!:G<Z17B%S7G:4]VR]/
M06^ KSI,<4)I2$LS#O#-TG\R]_,,-47E2B.56QIXT^7^=N!)T:$B6!::1<G3
MHAVE?QW']I#3Z:]C(K1Z6^CY<6A4"H[<8R6,<6*T_C6"R0_L?@!02P,$%
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M              "  0    !D;V-0<F]P<R]A<' N>&UL4$L! A0#%     @
MH8(X5( >, [N    *P(  !$              ( !KP   &1O8U!R;W!S+V-O
M<F4N>&UL4$L! A0#%     @ H8(X5)E<G",0!@  G"<  !,
M ( !S $  'AL+W1H96UE+W1H96UE,2YX;6Q02P$"% ,4    " "A@CA4$DN?
M;RL%   "%P  &               @($-"   >&PO=V]R:W-H965T<R]S:&5E
M=#$N>&UL4$L! A0#%     @ H8(X5)^@&_"Q @  X@P   T
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;72YX;6Q02P4&      D "0 ^ @  SA0

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.21.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>118</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d289094d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d289094d8k.htm">d289094d8k.htm</File>
    <File>d289094dex991.htm</File>
    <File>nycb-20220124.xsd</File>
    <File>nycb-20220124_def.xml</File>
    <File>nycb-20220124_lab.xml</File>
    <File>nycb-20220124_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://fasb.org/us-gaap/2021-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2021</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d289094d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "nycb-20220124_def.xml"
     ]
    },
    "inline": {
     "local": [
      "d289094d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "nycb-20220124_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nycb-20220124_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "nycb-20220124.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2021/dei-2021.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "https://xbrl.sec.gov/naics/2021/naics-2021.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd",
      "https://xbrl.sec.gov/country/2021/country-2021.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2021": 5,
    "total": 5
   },
   "keyCustom": 0,
   "keyStandard": 118,
   "memberCustom": 2,
   "memberStandard": 1,
   "nsprefix": "nycb",
   "nsuri": "http://www.mynycb.com/20220124",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d289094d8k.htm",
      "contextRef": "duration_2022-01-24_to_2022-01-24",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d289094d8k.htm",
      "contextRef": "duration_2022-01-24_to_2022-01-24",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2021",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "nycb_BifurcatedOptionNoteUnitSecuritiesMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Bifurcated Option Note Unit Securities [Member]",
        "terseLabel": "Bifurcated Option Note Unit Securities [Member]"
       }
      }
     },
     "localname": "BifurcatedOptionNoteUnitSecuritiesMember",
     "nsuri": "http://www.mynycb.com/20220124",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "nycb_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://www.mynycb.com/20220124",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "nycb_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://www.mynycb.com/20220124",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]",
        "terseLabel": "Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]"
       }
      }
     },
     "localname": "FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "nsuri": "http://www.mynycb.com/20220124",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2021-01-31",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2021-01-31",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2021-01-31",
     "presentation": [
      "http://www.mynycb.com//20220124/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001193125-22-016061-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-22-016061-xbrl.zip
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M=N.@J5:_7S6FO2SHW_55O_I;_3]02P,$%     @ H8(X5 O0 LW-$0  "#\
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M^#6;*H;"W\^Q/I;1DCZ<G N3N,>TSC[[3<AH).B%CLRTB618.*.G-)OX#-J
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M-1#P$9JKS:S"LM]Y!DX[V+C^<K)0=CJE ,V[G<64''1&81G !0B0>KT&*%C
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M>WJTE=;P'+732QH7G)Z>^O;;IZ:Z^T@]M5UGT_977^JFDG2D[>HC#^TDY)"
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M=W>ZY!]02P$"% ,4    " "A@CA46!_73 ,2  "6>P  #@
M@ $     9#(X.3 Y-&0X:RYH=&U02P$"% ,4    " "A@CA4"] "S<T1   (
M/P  $0              @ $O$@  9#(X.3 Y-&1E>#DY,2YH=&U02P$"% ,4
M    " "A@CA44G*/XTD$  "($0  $0              @ $K)   ;GEC8BTR
M,#(R,#$R-"YX<V102P$"% ,4    " "A@CA4+XAJ$0@&   M-@  %0
M        @ &C*   ;GEC8BTR,#(R,#$R-%]D968N>&UL4$L! A0#%     @
MH8(X5&ENO=<K"   M%H  !4              ( !WBX  &YY8V(M,C R,C Q
M,C1?;&%B+GAM;%!+ 0(4 Q0    ( *&".%0LS..XP@4  /$Y   5
M      "  3PW  !N>6-B+3(P,C(P,3(T7W!R92YX;6Q02P4&      8 !@"#
) 0  ,3T

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
