<SEC-DOCUMENT>0001193125-24-224128.txt : 20240924
<SEC-HEADER>0001193125-24-224128.hdr.sgml : 20240924
<ACCEPTANCE-DATETIME>20240924080102
ACCESSION NUMBER:		0001193125-24-224128
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20240924
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240924
DATE AS OF CHANGE:		20240924

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP, INC.
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		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:		241317590

	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:	NEW YORK COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	20001128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d816575d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:us-types="http://fasb.org/us-types/2023" 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/20240924" 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/2023" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>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_Security12bTitle_duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" name="dei:Security12bTitle" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-309">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2024-09-24_to_2024-09-24">0000910073</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xlink:type="simple" xlink:href="nycb-20240924.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase"/> </ix:references> <ix:resources> <xbrli:context id="duration_2024-09-24_to_2024-09-24"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-09-24</xbrli:startDate> <xbrli:endDate>2024-09-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-09-24_to_2024-09-24_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>2024-09-24</xbrli:startDate> <xbrli:endDate>2024-09-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-09-24</xbrli:startDate> <xbrli:endDate>2024-09-24</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-09-24_to_2024-09-24_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>2024-09-24</xbrli:startDate> <xbrli:endDate>2024-09-24</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_2024-09-24_to_2024-09-24" id="ixv-344">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&#160;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_2024-09-24_to_2024-09-24" format="ixt:datemonthdayyearen" id="ixv-345">September&#160;24, 2024</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"><ix:nonNumeric name="dei:EntityRegistrantName" contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-346">NEW YORK COMMUNITY BANCORP, INC.</ix:nonNumeric></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 style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></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_2024-09-24_to_2024-09-24" format="ixt-sec:stateprovnameen" id="ixv-347">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_2024-09-24_to_2024-09-24" id="ixv-348">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_2024-09-24_to_2024-09-24" id="ixv-349">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_2024-09-24_to_2024-09-24" id="ixv-350">102 Duffy Avenue</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-351">Hicksville</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2024-09-24_to_2024-09-24" format="ixt-sec:stateprovnameen" id="ixv-352">New York</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-353">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_2024-09-24_to_2024-09-24" id="ixv-354">(516)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-355">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;text-align:center">Securities registered pursuant to Section&#160;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 style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></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"> <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"> <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"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-356">Common Stock, $0.01 par value per share</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-357">NYCB</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen" id="ixv-358">New York Stock Exchange</ix:nonNumeric></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_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES <sup style="font-size:75%; text-align: center;margin:auto; vertical-align:top">SM</sup></span> </td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" id="ixv-359">NYCB PU</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" format="ixt-sec:exchnameen" id="ixv-360">New York Stock Exchange</ix:nonNumeric></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"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" id="ixv-111"><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</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" id="ixv-361">NYCB PA</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" format="ixt-sec:exchnameen" id="ixv-362">New York Stock Exchange</ix:nonNumeric></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_2024-09-24_to_2024-09-24" format="ixt-sec:boolballotbox" id="ixv-363">&#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_2024-09-24_to_2024-09-24" format="ixt-sec:boolballotbox" id="ixv-364">&#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_2024-09-24_to_2024-09-24" format="ixt-sec:boolballotbox" id="ixv-365">&#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_2024-09-24_to_2024-09-24" format="ixt-sec:boolballotbox" id="ixv-366">&#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&#8194;<ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2024-09-24_to_2024-09-24" format="ixt-sec:boolballotbox" id="ixv-367">&#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&#160;13(a) of the Exchange Act.&#8194;&#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%;clear:both"/>

<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;font-weight:bold;text-align:center">CURRENT REPORT ON FORM <span style="white-space:nowrap">8-K</span> </p> <p style="font-size:12pt;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:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#8201;1.01</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;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On September&#160;23, 2024, New York Community Bancorp, Inc. (the &#8220;Company&#8221; or &#8220;NYCB&#8221;) entered into separate share exchange agreements with (a)&#160;affiliates of funds managed by Liberty 77 Capital L.P. (&#8220;Liberty&#8221;) and (b)&#160;affiliates of funds managed by Hudson Bay Capital Management, LP (&#8220;Hudson Bay&#8221; and, together with Liberty, the &#8220;Investors&#8221;, and each of the share exchange agreements entered into with each of the Investors on September&#160;23, 2024, an &#8220;Exchange Agreement,&#8221; and, collectively, the &#8220;Exchange Agreements&#8221;). </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the terms of each Investor&#8217;s respective Exchange Agreement, on September&#160;23, 2024, (a) Liberty exchanged 114,355 shares of Series&#160;B Noncumulative Convertible Preferred Stock of the Company, par value $0.01 per share (&#8220;Series B Preferred Stock&#8221;), for the issuance by the Company of 38,118,329 shares of common stock of the Company, par value $0.01 per share (&#8220;Common Stock&#8221;), to Liberty; and (b)&#160;Hudson Bay exchanged 13,600 shares of Series B Preferred Stock for the issuance by the Company of 4,533,331 shares of Common Stock to Hudson Bay (each an &#8220;Exchange,&#8221; and, collectively, the &#8220;Exchanges&#8221;). The number of shares of Series B Preferred Stock of Hudson Bay so exchanged is an amount such that Hudson Bay (together with its affiliates) would not beneficially own in excess of 9.99% of the shares of Common Stock outstanding immediately following the Exchanges. All of the Exchanges were consummated simultaneously. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The shares of Series B Preferred Stock that were exchanged for shares of Common Stock in the applicable Exchange on March&#160;11, 2024 were issued in connection with the Company&#8217;s approximately $1.05&#160;billion capital raise transaction pursuant to separate investment agreements, dated March&#160;7, 2024, entered into by the Company and the investors signatory thereto, each of which was amended on March&#160;11, 2024 (collectively, the &#8220;Investment Agreements&#8221;). Each share of Series B Preferred Stock is automatically convertible into shares of Common Stock (or, in limited circumstances, a share of Series C Noncumulative Preferred Stock of the Company) in a transfer by the holder thereof consistent with the rules and limitations of Regulation Y of the Bank Holding Company Act of 1956, as amended. The Investment Agreements contemplated that the Company, on the one hand, and each individual Investor, on the other hand, would cooperate in good faith to effect exchanges of shares of Series B Preferred Stock for shares of Common Stock, subject to receipt of certain regulatory approvals. The Investment Agreements, along with (i)&#160;the Registration Rights Agreement, dated March&#160;11, 2024, entered into by the Company and the investors signatory thereto and (ii)&#160;warrants issued by the Company to the investors in connection with the capital raise pursuant to which the holder may acquire capital stock of the Company, were disclosed and described in the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> filed on March&#160;14, 2024 and in the Company&#8217;s definitive proxy statement filed on April&#160;26, 2024. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Immediately following the Exchanges, (a)&#160;Liberty held no shares of Series B Preferred Stock; and (b)&#160;Hudson Bay held 750 shares of Series B Preferred Stock, which are (in the aggregate) convertible into approximately 249,999 shares of Common Stock. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of the close of business on September&#160;23, 2024 (and after giving effect to the Exchanges), the number of shares of Common Stock outstanding was 415,261,212&#160;shares. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing description of (a)&#160;the Exchange Agreement entered into with Liberty is qualified in its entirety by reference to the full text of the form of Exchange Agreement filed as Exhibit 10.1 hereto, and (b)&#160;the Exchange Agreements entered into with Hudson Bay are qualified in their entirety by reference to the full text of the form of Exchange Agreement filed as Exhibit 10.2 hereto, each of which is incorporated herein by reference. </p>
</div></div>



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

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<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:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#8201;9.01</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;font-weight:bold;text-align:left">Financial Statements and Exhibits </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) Exhibits. </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 style="vertical-align:bottom;width:3%"/>
<td style="width:94%"/></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d816575dex101.htm">Form of Exchange Agreement with Liberty* </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="http://www.sec.gov/Archives/edgar/data/910073/000119312524199447/d745147dex101.htm">Form of Exchange Agreement with Hudson Bay* (incorporated by reference to Exhibit&#160;10.1 to the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> filed with the Securities and Exchange Commission on August&#160;13, 2024 (File <span style="white-space:nowrap">No.&#160;1-31565)).</span> </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">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> <p style="font-size:12pt;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:2%;vertical-align:top" align="left">*</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">Pursuant to&#160;Item 601(a)(5) of&#160;Regulation <span style="white-space:nowrap">S-K,</span> certain schedules and similar attachments have been omitted. The registrant hereby agrees to furnish a copy of any omitted schedule or similar attachment to the SEC upon request. </p></td></tr></table> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Cautionary Note Regarding Forward-Looking Statements </p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Current Report on Form <span style="white-space:nowrap">8-K</span> may include forward-looking statements within the meaning of the federal securities laws by NYCB pertaining to such matters as our goals, intentions, and expectations regarding (a)&#160;revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b)&#160;the future costs and benefits of the actions we may take; (c)&#160;our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d)&#160;our assessments of interest rate and other market risks; (e)&#160;our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f)&#160;our ability to attract, incentivize and retain key personnel and the roles of key personnel; (g)&#160;our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December&#160;1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100&#160;billion in assets must maintain; (h)&#160;the effect on our capital ratios of the approval of certain proposals approved by our shareholders during the 2024 annual meeting of our shareholders; (i)&#160;the conversion or exchange of shares of the Company&#8217;s preferred stock, including receipt of required regulatory approvals necessary or desirable to effect further exchanges; and (j)&#160;the payment of dividends on shares of the Company&#8217;s capital stock, including adjustments to the amount of dividends payable on shares of the Company&#8217;s preferred stock. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Forward-looking statements are typically identified by such words as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;outlook,&#8221; &#8220;estimate,&#8221; &#8220;forecast,&#8221; &#8220;project,&#8221; &#8220;should,&#8221; and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward-looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward-looking statements. Furthermore, because forward-looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our forward-looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; the inability of the Company&#8217;s wholly-owned subsidiary, Flagstar Bank, N.A., and Nationstar Mortgage LLC to execute the transaction contemplated by the MSR Purchase Agreement and Asset Purchase Agreement or satisfy customary closing conditions in connection therewith; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses requirements under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from <span style="white-space:nowrap">non-financial</span> institutions; changes in legislation, regulations, and policies; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; the impact of failures or disruptions in or breaches of the Company&#8217;s operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia/Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by </p>
</div></div>



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

<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">
their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December&#160;1, 2022, and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management&#8217;s attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company&#8217;s merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form <span style="white-space:nowrap">10-K/A</span> for the year ended December&#160;31, 2023, Quarterly Report on Form <span style="white-space:nowrap">10-Q</span> for the quarters ended March&#160;31, 2024 and June&#160;30, 2024 and in other SEC reports we file. Our forward-looking statements may also be subject to other risks and uncertainties, including those we may discuss in this Amendment, during investor presentations, or in our other SEC filings, which are accessible on our website and at the SEC&#8217;s website, <span style="text-decoration:underline">www.sec.gov</span>. </p>
</div></div>



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

<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">SIGNATURE </span></p> <p style="margin-top:12pt; 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:45%"/>

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

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

<td style="vertical-align:bottom;width:1%"/>
<td style="width:44%"/></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom" colspan="3">Date: September&#160;24, 2024</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">NEW YORK COMMUNITY BANCORP, INC.</td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">&#8195;&#8195;</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <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 style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Salvatore J. DiMartino</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Executive Vice President</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Director of Investor Relations</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d816575dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<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 10.1 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SHARE EXCHANGE AGREEMENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This <B>SHARE EXCHANGE AGREEMENT</B> (this &#147;<U>Agreement</U>&#148;) is entered into as of [<I>DATE</I>], by and between New York Community
Bancorp, Inc., a Delaware corporation (the &#147;<U>Company</U>&#148;), and [<I>STOCKHOLDER</I>] (the &#147;<U>Stockholder</U>&#148;). Capitalized terms used (but not defined) herein shall have the meanings ascribed to them in that certain
Investment Agreement, dated as of March&nbsp;7, 2024 (as amended, modified or supplemented from time to time in accordance with its terms, including on March&nbsp;11, 2024, the &#147;<U>Investment Agreement</U>&#148;), by and between the Company and
the Stockholder. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, as of the date hereof, the Stockholder is the owner of [&#149;] issued and outstanding shares of the Company&#146;s Series B
Noncumulative Convertible Preferred Stock, par value $0.01 per share (the &#147;<U>Series B Preferred Stock</U>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, the Stockholder and the Company desire that (a)&nbsp;the Stockholder transfer, deliver, convey and assign [&#149;] shares of
Series B Preferred Stock (the &#147;<U>Shares</U>&#148;) to the Company and (b)&nbsp;the Company issue to the Stockholder [&#149;] shares of Common Stock (the &#147;<U>Exchange Shares</U>&#148;) in exchange for the Shares (the
&#147;<U>Exchange</U>&#148;), all pursuant to the terms and conditions set forth in this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>NOW THEREFORE</B>, in
consideration of the foregoing and the respective representations, warranties, covenants, agreements and conditions hereinafter set forth, and intending to be legally bound hereby, the parties agree as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE&nbsp;1 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXCHANGE
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.1 <U>Delivery and Assignment of Series B Preferred Stock</U>. At the Closing (as defined below), the Stockholder shall transfer,
deliver, convey and assign to the Company, free and clear of all Liens (other than transfer restrictions imposed under the Certificate of Designations (Series B) or applicable securities Laws), the Shares in exchange for the Exchange Shares, at
which time the Shares shall be canceled and retired and revert to authorized but unissued shares of preferred stock of the Company, and Stockholder shall thereafter have no right, title or interest in the Shares. For the avoidance of doubt, the
transfer of the Shares shall be evidenced by book-entry notation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.2 <U>Issuance of Exchange Shares</U>. Contemporaneously with the
Stockholder&#146;s delivery of the Shares to the Company pursuant to <U>Section</U><U></U><U>&nbsp;1.1</U>, the Company shall issue and deliver, or cause to be issued and delivered, the Exchange Shares to the Stockholder free and clear of all Liens
(other than transfer restrictions imposed under applicable securities Laws). For the avoidance of doubt, the issuance of the Exchange Shares shall be evidenced by book-entry notation and the Company shall provide such evidence to the Stockholder
promptly following the Closing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.3 <U>Closing</U>. The closing of the Exchange (the &#147;<U>Closing</U>&#148;) shall be effective as of
the date hereof and occur simultaneously with the execution hereof, remotely via the exchange of documents and signatures, unless another place, time or date is agreed to in writing by the parties. All deliveries to be made or other actions to be
taken at the Closing shall be deemed to occur </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">
simultaneously, and no such delivery or action shall be deemed complete until all such deliveries and actions have been completed or the relevant parties have agreed to waive such delivery or
action. If the Closing does not occur, any delivery made or other action taken at the Closing shall be deemed not to have occurred and be without force or effect. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE&nbsp;2 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF THE COMPANY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company hereby represents and warrants to the Stockholder as of the date hereof that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.1 <U>Organization</U>. The Company is a corporation duly organized, validly existing and in good standing under the laws of the State of
Delaware and is a bank holding company duly registered under the BHC Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.2 <U>Authority</U>. The Company has full corporate power and
authority to execute and deliver this Agreement, to perform its obligations hereunder and to consummate the Closing. The execution, delivery and performance by the Company of this Agreement and the consummation of the Exchange have been duly
authorized by all necessary corporate action on the part of the Company, and no further corporate approval or authorization is required on the part of the Company to enter into this Agreement or effect the Exchange. This Agreement has been duly and
validly executed and delivered by the Company and (assuming due authorization, execution and delivery by the Stockholder) and constitutes a valid and binding obligation of the Company, enforceable against the Company in accordance with its terms,
except as the same may be limited by the Enforceability Exceptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.3 <U>No Violation</U>. None of the execution and delivery of this
Agreement by the Company, the performance by the Company of its obligations hereunder, the consummation by the Company of the Exchange, or compliance by the Company with any of the terms or provisions hereof, will (A)&nbsp;violate any provision of
the Company Certificate of Incorporation or the Company Bylaws or (B)&nbsp;(x)&nbsp;violate any Law applicable to the Company, any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with, result in a
breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation
under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of the Company or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond,
mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the
case of <U>clauses</U><U></U><U>&nbsp;(B)(x)</U> and <U>(B)(y)</U> above) for such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations which would not, either individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.4 <U>Valid Issuance of Shares</U>. All of the Exchange Shares have been duly
authorized by all necessary corporate action on the part of the Company and, when issued pursuant to this Agreement upon receipt by the Company of the Shares in exchange therefor, will be validly issued, fully paid and nonassessable and free and
clear of all Liens (other than transfer restrictions imposed under applicable securities Laws), and no current or past stockholder of the Company will have any preemptive right or similar rights in respect thereof. The Exchange Shares shall be
issued in compliance with applicable securities Laws. </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.5 <U>No Brokers or Finders</U>. No person has or will have, as a result of any act or
omission of the Company, any right, interest or claim against or upon the Company for any commission, fee or other compensation as a finder or broker, or in any similar capacity, in connection with the transactions contemplated by this Agreement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.6 <U>Consents and Approvals</U>. No consent, approval, waiver, exemption, authorization, notice, registration, declaration or filing is
required to be obtained by or from, or to be given by the Company to, or made by the Company with, any Governmental Entity in connection with the execution, delivery and performance by the Company of this Agreement (including to issue the Exchange
Shares). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.7 <U>Holding Period</U>. For the purposes of Rule 144 of the Securities Act, the Company hereby acknowledges and agrees that
(a)&nbsp;the holding period of the Shares may be tacked onto the holding period of the Exchange Shares received in respect of such Shares and (b)&nbsp;it will not take a position contrary to <U>clause (a)</U>&nbsp;above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.8 <U>Capitalization</U>. As of [<I>DATE</I>], there were [&#149;] shares of Common Stock issued and outstanding (for the avoidance of doubt,
excluding treasury shares). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE&nbsp;3 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF THE STOCKHOLDER </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Stockholder hereby represents and warrants to the Company as of the date hereof that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.1 <U>Organization</U>. The Stockholder is duly organized, validly existing and in good standing under the laws of the jurisdiction of its
organization. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.2 <U>Authority</U>. The Stockholder has the corporate, partnership or limited liability (as applicable) power and
authority to execute and deliver this Agreement, to perform its obligations hereunder and to consummate the Closing. The execution, delivery and performance by the Stockholder of this Agreement and the consummation of the Exchange have been duly
authorized by all necessary organizational action on the part of the Stockholder, and no further organizational approval or authorization is required on the part of the Stockholder to enter into this Agreement or effect the Exchange. This Agreement
been duly and validly executed and delivered by the Stockholder and (assuming due authorization, execution and delivery by the Company) and constitutes a valid and binding on the Stockholder and enforceable against the Stockholder in accordance with
its terms, except as the same may be limited by the Enforceability Exceptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.3 <U>No Violation</U>. None of the execution and
delivery of this Agreement by the Stockholder, the performance by the Stockholder of its obligations hereunder, the consummation by the Stockholder of the Exchange, or compliance by the Stockholder with any of the terms or provisions hereof, will
(A)&nbsp;violate any provision of the Stockholder&#146;s organizational documents or (B)&nbsp;(x)&nbsp;violate any Law applicable to the Stockholder or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any
provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">
default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of its
properties or assets under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Stockholder is a party, or by which the
Stockholder or any of its properties or assets may be bound, except (in the case of <U>clauses</U><U></U><U>&nbsp;(B)(x)</U> and <U>(B)(y)</U> above) for such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or
creations which would not, either individually or in the aggregate, reasonably be expected to materially and adversely affect the Stockholder&#146;s ability to consummate the Exchange and the other transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.4 <U>Title to Shares</U>. The Stockholder (a)&nbsp;directly holds all of the Shares and (b)&nbsp;has good, valid and marketable title to the
Shares, free and clear of any Liens (other than transfer restrictions (i)&nbsp;imposed under the Certificate of Designations (Series B) or applicable securities Laws or (ii)&nbsp;that the Stockholder may have created in favor of a prime broker under
and in accordance with its prime brokerage agreement with such broker (which such prime brokerage agreement is not primarily in respect of the Shares), which are of a customary nature). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.5 <U>Consents and Approvals</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) No consent, approval, waiver, exemption, authorization, notice, registration, declaration or filing (other than any filing required under
Section&nbsp;13 or Section&nbsp;16 of the Securities Exchange Act of 1934, as amended) is required to be obtained by or from, or to be given by the Stockholder to, or made by the Stockholder with, any Governmental Entity in connection with the
execution, delivery and performance by the Stockholder of this Agreement (including to acquire the Exchange Shares). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) The Stockholder
is not aware of any facts, events or circumstances that, upon consummation of the transactions contemplated herein, would reasonably be expected to cause the Stockholder or any of its affiliates to be presumed to &#147;control&#148; the Company or
Company Bank for purposes of the BHC Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.6 <U>Acknowledgement</U>. The Stockholder acknowledges and agrees that the Exchange has not
been registered under the Securities Act or under any state securities Laws and represents that it (a)&nbsp;is acquiring the Exchange Shares pursuant to an exemption from registration under the Securities Act for its own account or for one or more
separate accounts maintained by it for the benefit of one or more other Institutional Accredited Investors and not with a view to the distribution thereof in violation of any securities Laws; <U>provided</U> that the disposition of the
Stockholder&#146;s property shall at all times be within the Stockholder&#146;s control; <U>provided</U>, <U>further</U>, that by making the representations in this <U>Section</U><U></U><U>&nbsp;3.6</U>, the Stockholder does not agree to hold any of
the Exchange Shares for any minimum or other specific term and reserves the right to dispose of the Exchange Shares at any time in accordance with applicable securities Laws, (b)&nbsp;will not sell or otherwise dispose of any of the Exchange Shares,
except in compliance with the registration requirements or exemption provisions of the Securities Act and any applicable U.S. state securities Laws and (c)&nbsp;was given the opportunity to ask questions and receive answers concerning the terms and
conditions of the Exchange and to obtain any additional information which the Company possesses or can acquire without unreasonable effort or expense. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.7 <U>No Brokers or Finders</U>. In connection with the Exchange and the other transactions
contemplated hereby, none of the Stockholder, its affiliates, or any of its or their respective officers, directors, employees or agents has employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees,
commissions or finder&#146;s fees, in each case, for which the Company would be liable. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE&nbsp;4 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MISCELLANEOUS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.1
<U>Notices</U>. All notices and other communications hereunder shall be in writing and shall be deemed duly given on (a)&nbsp;the date of delivery if delivered personally, or if by email, upon delivery (<U>provided</U> that no auto-generated error
or <FONT STYLE="white-space:nowrap">non-delivery</FONT> or similar message is generated in response thereto), (b) the first (1st) business day following the date of dispatch if delivered utilizing a <FONT STYLE="white-space:nowrap">next-day</FONT>
service by a recognized <FONT STYLE="white-space:nowrap">next-day</FONT> courier or (c)&nbsp;the earlier of confirmation of receipt or the fifth (5th) business day following the date of mailing if delivered by registered or certified mail, return
receipt requested, postage prepaid. All notices hereunder shall be delivered to the addresses set forth below, or pursuant to such other instructions as may be designated in writing by the party to receive such notice: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If notice is given to the Company: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">New York Community Bancorp, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">102 Duffy Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Hicksville, New
York 11801 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Bao Nguyen, Senior Executive Vice President, General Counsel and Chief of Staff </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email: ******** </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">With a copy
(which shall not constitute notice) to: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Simpson Thacher&nbsp;&amp; Bartlett LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">425 Lexington Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">New York,
NY 10017 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Sven Mickisch; Matthew Nemeroff; Timothy Gaffney </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">E-mail:</FONT> Sven.Mickisch@stblaw.com; Matthew.Nemeroff@stblaw.com; Timothy.Gaffney@stblaw.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If notice is given to the Stockholder: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[&#149;] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[&#149;] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: [&#149;] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email:
[&#149;] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">With a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[&#149;] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[&#149;] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: [&#149;] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email: [&#149;] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.2 <U>Entire
Agreement</U>. This Agreement (including the documents and the instruments referred to herein), together with the Investment Agreement, the Registration Rights Agreement and any other agreement entered into by the parties hereto (or their
affiliates) in connection with the entry hereof, constitute the entire agreement among the parties and supersede all prior agreements and understandings, written, oral or otherwise, among the parties with respect to the subject matter hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.3 <U>Governing Law; Jurisdiction</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) This Agreement shall be governed by, construed and enforced in accordance with the laws of the State of Delaware, without regard to any
applicable conflicts of law principles. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Each party agrees that it will bring any action, suit, litigation, dispute or proceeding in
respect of any claim arising out of or related to this Agreement or the transactions contemplated hereby exclusively in the Delaware Court of Chancery and any state appellate court therefrom within the State of Delaware, or, if the Delaware Court of
Chancery declines to accept jurisdiction over a particular matter, any federal or state court of competent jurisdiction located in the State of Delaware (the &#147;<U>Chosen Courts</U>&#148;), and, solely in connection with claims arising under this
Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection (A)&nbsp;to laying venue in any such action, suit, litigation,
dispute or proceeding in the Chosen Courts and (B)&nbsp;that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iii)&nbsp;agrees that service of process upon such party in any such action, suit, litigation,
dispute or proceeding will be effective if notice is given in accordance with <U>Section</U><U></U><U>&nbsp;4.1</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.4 <U>Waiver Of
Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY THAT MAY ARISE HEREUNDER IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND, THEREFORE, EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY ACTION, SUIT, LITIGATION, DISPUTE OR PROCEEDING, DIRECTLY OR INDIRECTLY, ARISING OUT OF OR RELATING TO THIS AGREEMENT
OR THE TRANSACTIONS CONTEMPLATED HEREBY. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF THE OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY SUCH
ACTION, SUIT, LITIGATION, DISPUTE OR PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (B)&nbsp;IT UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C)&nbsp;IT MAKES THIS WAIVER VOLUNTARILY, AND (D)&nbsp;IT HAS BEEN INDUCED TO ENTER
INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION 4.4</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.5 <U>Fees and Expenses</U>. Each party shall pay all of its own costs, fees and expenses
relating to the transactions contemplated under this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.6 <U>Amendments and Waivers</U>. Any term or provision hereof may be
amended, terminated or waived with the written consent of the Company and the Stockholder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.7 <U>Counterparts</U>. This Agreement may be
executed in counterparts, all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other party, it being understood that all parties need
not sign the same counterpart. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.8 <U>Disclosure</U>. At or prior to 9:00 a.m., New York City time, on the first business day after the
date hereof, the Company shall file with the SEC a current report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> announcing the Exchange in form and substance mutually agreed by the parties hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.9 <U>Expiration Date</U>. Notwithstanding anything herein to the contrary, if the Closing has not occurred by 5:00 p.m. (New York City time)
on the second (2nd) business day following the date hereof, unless otherwise mutually agreed in writing to by the parties hereto, either party shall have the right (but not the obligation) to terminate this Agreement by delivering a written notice
to that effect to each other party hereto and without liability of any party to any other party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.10 <U>Stockholder Acting
Independently</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Nothing contained herein, and no action taken by the Stockholder pursuant hereto, shall be deemed to constitute
the Stockholder and any other stockholder of the Company as a partnership, an association, a joint venture or any other kind of entity, or create a presumption that the Stockholder and any other stockholder of the Company are in any way acting in
concert or as a group with respect to such obligations or the transactions contemplated hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) The Company and the Stockholder
confirm that the Stockholder has independently participated in the negotiation of the transactions contemplated hereby with the advice of its own counsel and advisors. The Stockholder shall be entitled to independently protect and enforce its
rights, including, without limitation, the rights arising out of this Agreement, and it shall not be necessary for any other person to be joined as an additional party in any proceeding for such purpose. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page Follows</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>IN WITNESS WHEREOF</B>, the undersigned have caused their duly authorized officers to
execute and deliver this Agreement as of the day and year first written above. </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">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>New York Community Bancorp, Inc.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B>[STOCKHOLDER]</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Name:</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page to Share Exchange Agreement</I>] </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>nycb-20240924.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:20231012.2 -->
<!-- Creation date: 9/24/2024 3:57:54 PM Eastern Time -->
<!-- Copyright (c) 2024 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/2023"
  xmlns:nycb="http://www.mynycb.com/20240924"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  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/2023"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.mynycb.com/20240924"
  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/2023/dei-2023.xsd" namespace="http://xbrl.sec.gov/dei/2023" />
    <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/2023/naics-2023.xsd" namespace="http://xbrl.sec.gov/naics/2023" />
    <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/2023/elts/us-gaap-2023.xsd" namespace="http://fasb.org/us-gaap/2023" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" namespace="http://fasb.org/us-types/2023" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20240924_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-20240924_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-20240924_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//20240924/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_BifurcatedOptionNotesUnitSecuritiesMember" name="BifurcatedOptionNotesUnitSecuritiesMember" 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-20240924_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:20231012.2 -->
<!-- Creation date: 9/24/2024 3:57:57 PM Eastern Time -->
<!-- Copyright (c) 2024 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//20240924/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20240924.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="nycb-20240924.xsd#nycb_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="nycb-20240924.xsd#nycb_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="nycb-20240924.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:loc xlink:href="nycb-20240924.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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_BifurcatedOptionNotesUnitSecuritiesMember" 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_Security12bTitle" 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_AmendmentFlag" 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_EntityCentralIndexKey" 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_DocumentType" order="34.001" 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="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_EntityRegistrantName" 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-20240924_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:20231012.2 -->
<!-- Creation date: 9/24/2024 3:57:54 PM Eastern Time -->
<!-- Copyright (c) 2024 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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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-20240924.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-20240924.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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-20240924.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:to="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Bifurcated Option Notes Unit Securities [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Bifurcated Option Notes Unit Securities [Member]</link:label>
    <link:loc xlink:href="nycb-20240924.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-20240924_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:20231012.2 -->
<!-- Creation date: 9/24/2024 3:57:54 PM Eastern Time -->
<!-- Copyright (c) 2024 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//20240924/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20240924.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="nycb-20240924.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-20240924.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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-20240924.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_BifurcatedOptionNotesUnitSecuritiesMember" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="nycb-20240924.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/2023/dei-2023.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="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.24.3</span><table class="report" border="0" cellspacing="2" id="idm45818582127696">
<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>Sep. 24, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</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="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000910073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Sep. 24,  2024<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNotesUnitSecuritiesMember', window );">Bifurcated Option Notes 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="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="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="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="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="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="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="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BifurcatedOptionNotesUnitSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BifurcatedOptionNotesUnitSecuritiesMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M$4<P!L !0])T> \^>Q\ETWLJ.?]74_P$4$L#!!0    ( !U .%F7BKL<P
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M3AI_YHOA/UY_ 5!+ 0(4 Q0    ( !U .%D'04UB@0   +$    0
M      "  0    !D;V-0<F]P<R]A<' N>&UL4$L! A0#%     @ '4 X6::Y
MI2#O    *P(  !$              ( !KP   &1O8U!R;W!S+V-O<F4N>&UL
M4$L! A0#%     @ '4 X69E<G",0!@  G"<  !,              ( !S0$
M 'AL+W1H96UE+W1H96UE,2YX;6Q02P$"% ,4    "  =0#A9$%S(7U$%   /
M&0  &               @($."   >&PO=V]R:W-H965T<R]S:&5E=#$N>&UL
M4$L! A0#%     @ '4 X69^@&_"Q @  X@P   T              ( !E0T
M 'AL+W-T>6QE<RYX;6Q02P$"% ,4    "  =0#A9EXJ[',     3 @  "P
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52P4&      D "0 ^ @  ]10

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<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>11
<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>3.24.3</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d816575d8k.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//20240924/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" isOnlyDei="true" isUsgaap="true" original="d816575d8k.htm">d816575d8k.htm</File>
    <File>nycb-20240924.xsd</File>
    <File>nycb-20240924_def.xml</File>
    <File>nycb-20240924_lab.xml</File>
    <File>nycb-20240924_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="28">http://xbrl.sec.gov/dei/2023</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>
{
 "version": "2.2",
 "instance": {
  "d816575d8k.htm": {
   "nsprefix": "nycb",
   "nsuri": "http://www.mynycb.com/20240924",
   "dts": {
    "inline": {
     "local": [
      "d816575d8k.htm"
     ]
    },
    "schema": {
     "local": [
      "nycb-20240924.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",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd",
      "https://xbrl.sec.gov/country/2023/country-2023.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/naics/2023/naics-2023.xsd"
     ]
    },
    "definitionLink": {
     "local": [
      "nycb-20240924_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "nycb-20240924_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nycb-20240924_pre.xml"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 1,
   "axisCustom": 0,
   "memberStandard": 1,
   "memberCustom": 2,
   "hidden": {
    "total": 3,
    "http://xbrl.sec.gov/dei/2023": 3
   },
   "contextCount": 4,
   "entityCount": 1,
   "segmentCount": 3,
   "elementCount": 30,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 28
   },
   "report": {
    "R1": {
     "role": "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation",
     "longName": "100000 - Document - Document and Entity Information",
     "shortName": "Document and Entity Information",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "duration_2024-09-24_to_2024-09-24",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d816575d8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "duration_2024-09-24_to_2024-09-24",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d816575d8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "nycb_BifurcatedOptionNotesUnitSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.mynycb.com/20240924",
     "localname": "BifurcatedOptionNotesUnitSecuritiesMember",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Bifurcated Option Notes Unit Securities [Member]",
        "terseLabel": "Bifurcated Option Notes Unit Securities [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "terseLabel": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfStockDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfStockDomain",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockMember",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "nycb_DocumentAndEntityInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.mynycb.com/20240924",
     "localname": "DocumentAndEntityInformationLineItems",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "auth_ref": []
    },
    "nycb_DocumentAndEntityInformationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.mynycb.com/20240924",
     "localname": "DocumentAndEntityInformationTable",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date",
        "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Type",
        "terseLabel": "Document Type",
        "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity File Number",
        "terseLabel": "Entity File Number",
        "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.mynycb.com/20240924",
     "localname": "FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "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]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer",
        "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."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer",
        "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."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material",
        "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."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "us-gaap_StatementClassOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementClassOfStockAxis",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.mynycb.com//20240924/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "terseLabel": "Written Communications",
        "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001193125-24-224128-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-24-224128-xbrl.zip
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M-1I>E"1E1<N.PUHN)Z0%X?_0I7Q$1F M,<<=)J/G>;%0ROSS&;Q^Y^'FHM,
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MLX.M3OKK0NKS3H$_KWZJ9.V?)M>'/TOG97E5)0$Z'C.>)! 8:==OS(%)!T*
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M+51=9@W_2OE@% Q+%>.AV& ]3!-@*2S.2="C% R6I*4H?%-&:92R+V \,*.
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MH?#N>]ZO"$&O V38\&A<),B3+H*62*Q7RZ1@:R"(ZOL# !)#"K<%L.VWX#)
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M9'K!"V'FG!&3PL&%-MDY3%DAT4NA_BZ8%%,!:=#"MLY N26=90W'S S<#<O
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M%>]CZWMFJ3SXY?L*?_X#4$L#!!0    ( !U .%D.V7-L @8  !<V   5
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MU:KN8+][,.@M1-#YJ BSO>--2'@IET![&'(6D@IBM5FS=[+QR7(FQY-%0N*
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M+>&28?15AG4>S4.Y_H%<$SXCR=P+KR48X9P$-3]+$,G:ZD[47<4009UZ&D\
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M102BY[5;'DH$X4)7TK\\E$H='$],34S-,9B#$!#=;))S,.PL9CVS2LAJ?@>
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MS4=4#KAP$/-1/9;P_[!%=![LY4S'_-G\-7%SQ+R9/]KIDG\ 4$L! A0#%
M  @ '4 X6?&AB$!&'P  ;JH   X              ( !     &0X,38U-S5D
M.&LN:'1M4$L! A0#%     @ '4 X6=VZ>Y%\'P  _HL  !$
M ( !<A\  &0X,38U-S5D97@Q,#$N:'1M4$L! A0#%     @ '4 X64DI1"I#
M!   91$  !$              ( !'3\  &YY8V(M,C R-# Y,C0N>'-D4$L!
M A0#%     @ '4 X60[9<VP"!@  %S8  !4              ( !CT,  &YY
M8V(M,C R-# Y,C1?9&5F+GAM;%!+ 0(4 Q0    ( !U .%DRX*?>)@@  *E:
M   5              "  <1)  !N>6-B+3(P,C0P.3(T7VQA8BYX;6Q02P$"
M% ,4    "  =0#A9%  'AK@%  #A.0  %0              @ $=4@  ;GEC
H8BTR,#(T,#DR-%]P<F4N>&UL4$L%!@     &  8 @P$   A8      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>d816575d8k_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/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nycb="http://www.mynycb.com/20240924"
  xmlns:us-gaap="http://fasb.org/us-gaap/2023"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nycb-20240924.xsd" xlink:type="simple"/>
    <context id="duration_2024-09-24_to_2024-09-24">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2024-09-24</startDate>
            <endDate>2024-09-24</endDate>
        </period>
    </context>
    <context id="duration_2024-09-24_to_2024-09-24_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>2024-09-24</startDate>
            <endDate>2024-09-24</endDate>
        </period>
    </context>
    <context id="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-09-24</startDate>
            <endDate>2024-09-24</endDate>
        </period>
    </context>
    <context id="duration_2024-09-24_to_2024-09-24_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>2024-09-24</startDate>
            <endDate>2024-09-24</endDate>
        </period>
    </context>
    <dei:Security12bTitle
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="Hidden_dei_Security12bTitle_duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM</dei:Security12bTitle>
    <dei:AmendmentFlag contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-309">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2024-09-24_to_2024-09-24"
      id="Hidden_dei_EntityCentralIndexKey">0000910073</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-344">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-345">2024-09-24</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-346">NEW YORK COMMUNITY BANCORP, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-347">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-348">1-31565</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-349">06-1377322</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-350">102 Duffy Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-351">Hicksville</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-352">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-353">11801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-354">(516)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-355">683-4100</dei:LocalPhoneNumber>
    <dei:Security12bTitle
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-356">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-357">NYCB</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-358">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="ixv-359">NYCB PU</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="ixv-360">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-111">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-361">NYCB PA</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-09-24_to_2024-09-24_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-362">NYSE</dei:SecurityExchangeName>
    <dei:WrittenCommunications contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-363">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-364">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-365">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-366">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2024-09-24_to_2024-09-24" id="ixv-367">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
