<SEC-DOCUMENT>0000000000-24-011638.txt : 20241227
<SEC-HEADER>0000000000-24-011638.hdr.sgml : 20241227
<ACCEPTANCE-DATETIME>20241016153609
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-24-011638
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20241016

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLAGSTAR FINANCIAL, 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:		UPLOAD
		SEC FILE NUMBER:	001-31565

	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:	20240311

	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
PUBLIC REFERENCE ACCESSION NUMBER:		0000910073-24-000077
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<DOCUMENT>
<TYPE>TEXT-EXTRACT
<SEQUENCE>2
<FILENAME>filename2.txt
<TEXT>
                                                            October 16, 2024

Craig Gifford
Senior Executive Vice President and Chief Financial Officer
New York Community Bancorp, Inc.
102 Duffy Avenue
Hicksville, New York 11801

       Re: New York Community Bancorp, Inc.
           Amendment No. 1 to Form 10-K for the Fiscal Year ended December 31,
2023
           Forms 10-Q for the Fiscal Quarters Ended March 31, 2024 and June 30,
2024
           File No. 001-31565
Dear Craig Gifford:

       We have reviewed your filings and have the following comments.

       Please respond to this letter within ten business days by providing the
requested
information or advise us as soon as possible when you will respond. If you do
not believe a
comment applies to your facts and circumstances, please tell us why in your
response.

       After reviewing your response to this letter, we may have additional
comments.

Amendment No. 1 to Form 10-K
Management's Discussion and Analysis of Financial Condition, page 55

1.     We note your response to comment 17. In future filings, please clarify
management's
       view of the potential impact of your choice to focus on lending to
borrowers who have
       additional relationships with your banking operations on your ability to
maintain or
       grow your loan portfolio. Similarly, please clarify if this strategy
will require
       additional staff resources to maintain and attract new relationship
clients.
Form 10-Q for the Fiscal Quarter Ended June 30, 2024
Multi-Family Loans, page 13

2.     Reference is made to the second paragraph. It appears that this
disclosure is not
       consistent with your response to comment 11 where you state, "The
multi-family loan
       portfolio had $15.4 billion in loans outstanding that were in their
interest-only period
       as of June 30, 2024." You go on to state that, "Historically, we
originated certain
       loans with an initial interest-only period which was typically 24 months
or less.
       However, policy allowed for the interest-only period to exceed 24
months." In this
 October 16, 2024
Page 2

       section of your quarterly report, you state that, "as of the end of the
June 30 quarter,
       the weighted average interest only-period was 22 months." Please discuss
in future
       filings the extent to which the loans that remain in interest only
periods represent
       loans that had been granted longer periods before they entered
amortization, including
       whether the loans shared any characteristics (e.g. size, geographic
location, affiliations
       between the borrowing parties, etc.). Alternatively, revise your
disclosure to clarify
       the interest-only period for your loan portfolio.
Regulatory Capital, page 27

3.     Please revise future filings to include the information provided in your
response to
       prior comment 25 related to the regulatory requirements of becoming a
Category IV
       banking organization including your progress to meeting the transition
requirements.
        We remind you that the company and its management are responsible for
the accuracy
and adequacy of their disclosures, notwithstanding any review, comments, action
or absence
of action by the staff.

       Please contact William Schroeder at 202-551-3294 or John Nolan at
202-551-3492 if
you have questions regarding comments on the financial statements and related
matters. Please contact Todd Schiffman at 202-551-3491 or Christian Windsor at
202-551-
3419 with any other questions.



                                                             Sincerely,

                                                             Division of
Corporation Finance
                                                             Office of Finance
</TEXT>
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