<SEC-DOCUMENT>0001193125-24-278733.txt : 20241216
<SEC-HEADER>0001193125-24-278733.hdr.sgml : 20241216
<ACCEPTANCE-DATETIME>20241213174403
ACCESSION NUMBER:		0001193125-24-278733
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20241211
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20241216
DATE AS OF CHANGE:		20241213

FILER:

	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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		241549539

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d904625d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2024" xmlns:us-types="http://fasb.org/us-types/2024" 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/20241211" 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/2024" 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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" name="dei:Security12bTitle" contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-318">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2024-12-11_to_2024-12-11">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-20241211.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase"/> </ix:references> <ix:resources> <xbrli:context id="duration_2024-12-11_to_2024-12-11"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-12-11</xbrli:startDate> <xbrli:endDate>2024-12-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</xbrli:startDate> <xbrli:endDate>2024-12-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</xbrli:startDate> <xbrli:endDate>2024-12-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</xbrli:startDate> <xbrli:endDate>2024-12-11</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:8pt; 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:6pt;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:6pt; 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_2024-12-11_to_2024-12-11" id="ixv-353">8-K</ix:nonNumeric></span></p> <p style="font-size:6pt;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:6pt; 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:10pt; 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_2024-12-11_to_2024-12-11" format="ixt:datemonthdayyearen" id="ixv-354">December&#160;11, 2024</ix:nonNumeric></p> <p style="font-size:6pt;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:6pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityRegistrantName" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-355">FLAGSTAR FINANCIAL, 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:6pt;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:6pt;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_2024-12-11_to_2024-12-11" format="ixt-sec:stateprovnameen" id="ixv-356">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_2024-12-11_to_2024-12-11" id="ixv-357">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_2024-12-11_to_2024-12-11" id="ixv-358">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:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-359">102 Duffy Avenue</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-360">Hicksville</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2024-12-11_to_2024-12-11" format="ixt-sec:stateprovnameen" id="ixv-361">New York</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-362">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:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-363">(516)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-364">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:10pt; 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="margin-top:10pt; 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:10pt;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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-365">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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-366">FLG</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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen" id="ixv-367">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_2024-12-11_to_2024-12-11_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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" id="ixv-368">FLG RPU</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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember" format="ixt-sec:exchnameen" id="ixv-369">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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" id="ixv-108"><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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" id="ixv-370">FLG RPA</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_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" format="ixt-sec:exchnameen" id="ixv-371">New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="font-size:6pt;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:6pt; 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_2024-12-11_to_2024-12-11" format="ixt-sec:boolballotbox" id="ixv-372">&#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_2024-12-11_to_2024-12-11" format="ixt-sec:boolballotbox" id="ixv-373">&#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_2024-12-11_to_2024-12-11" format="ixt-sec:boolballotbox" id="ixv-374">&#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">Pre-commencement 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_2024-12-11_to_2024-12-11" format="ixt-sec:boolballotbox" id="ixv-375">&#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">Pre-commencement 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:10pt; 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:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company&#8194;<ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2024-12-11_to_2024-12-11" format="ixt-sec:boolballotbox" id="ixv-376">&#9744;</ix:nonNumeric></p> <p style="margin-top:10pt; 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;5.02</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">Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><span style="font-style:italic">Board of Directors </span></p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On December&#160;11, 2024, Brian Callanan was appointed to the Board of Directors (the &#8220;Board&#8221;) of Flagstar Financial, Inc. (&#8220;FLG&#8221; or the &#8220;Company&#8221;) and Flagstar Bank, N.A., a wholly owned subsidiary of the Company (the &#8220;Bank&#8221;), effective December&#160;16, 2024. Mr.&#160;Callanan was appointed to fill the vacancy resulting from the previously disclosed resignation of Peter Schoels with a term that expires at the Company&#8217;s 2025 annual meeting of stockholders. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&#160;Callanan currently serves as Managing Director and General Counsel at Liberty Strategic Capital, a Washington, D.C.-based private equity firm with approximately $3&#160;billion in assets under management. He serves on the firm&#8217;s Investment Committee, leads its legal function, and plays an active role in the firm&#8217;s financial sector investment efforts. Prior to joining Liberty, Mr.&#160;Callanan served as General Counsel of the U.S. Department of the Treasury from 2019 to 2021, leading a team of approximately 2,000 lawyers across the department and its bureaus. As Chief Legal Officer, Mr.&#160;Callanan played a key role on major Treasury initiatives including the implementation of historic economic rescue programs in response to <span style="white-space:nowrap">COVID-19,</span> the design of new economic sanctions, the expansion of national security reviews of foreign investment, and the implementation of tax reform. As Deputy General Counsel, Mr.&#160;Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. Prior to his public service, Mr.&#160;Callanan previously worked in private practice as a litigator in Washington, DC, and previously served as Staff Director and General Counsel of the U.S. Senate Permanent Subcommittee on Investigations and served as a senior advisor to Senator Rob Portman. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&#160;Callanan was appointed as a director of the Company and the Bank pursuant to the terms of the previously disclosed investment agreement, dated as of March&#160;7, 2024, by and between the Company and affiliates of funds managed by Liberty 77 Capital L.P. (the &#8220;Investment Agreement&#8221;). A description of the Investment Agreement is included in the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> filed on March&#160;14, 2024 and is incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&#160;Callanan was not appointed to serve on any committee of the Board of Directors in connection with his appointment as a director. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with his appointment, Mr.&#160;Callanan will be entitled to receive the standard remuneration provided to the Company&#8217;s <span style="white-space:nowrap">non-employee</span> directors, which includes an annual cash retainer of $75,000 and an annual equity award totaling $115,000. No material plan, contract or arrangement has been entered into, or materially amended, in connection with Mr.&#160;Callanan&#8217;s appointment as a director and no grant or award has been made to Mr.&#160;Callanan under any such plan, contract or arrangement in connection with his appointment as a director. In the event of such entry into, or amendment of, a material plan, contract or arrangement in connection with Mr.&#160;Callanan&#8217;s appointment as a director, the Company will file an amendment to this report within four business days thereof. Except as set forth above, there have been no transactions directly or indirectly involving Mr.&#160;Callanan that would be required to be disclosed pursuant to Item 404(a) of Regulation <span style="white-space:nowrap">S-K</span> of the Securities and Exchange Commission (the &#8220;SEC&#8221;). </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><span style="font-style:italic">Chief Financial Officer </span></p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On December&#160;13, 2024, the Company announced that Lee M. Smith will be appointed Senior Executive Vice President and Chief Financial Officer of the Company and the Bank, effective December&#160;27, 2024. Mr. Smith succeeds Craig Gifford, who advised the Company on December&#160;11, 2024 of his intention to resign from his position of Senior Executive Vice President and Chief Financial Officer of the Company and the Bank effective December&#160;27, 2024. Mr. Gifford&#8217;s resignation was not the result, in whole or in part, of any disagreement with the Company or the Bank on any matters relating to the Company&#8217;s or Bank&#8217;s operations, policies or practices. Mr. Gifford will remain with the Company and Bank through March&#160;31, 2025 and will work closely with Mr.&#160;Smith during the transition period. </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; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&#160;Smith, age 50, joined the former Flagstar Bancorp, Inc. (&#8220;Flagstar&#8221;) in 2013 as Executive Vice President and Chief Operating Officer and was appointed Senior Executive Vice President and President of Mortgage in September 2020. Following the merger of Flagstar with and into the Company on December&#160;1, 2022, he retained that position. As the Chief Operating Officer, he played an integral role in the turnaround of Flagstar in addition to his responsibilities for several key business units as well as strategy, balance sheet and cost optimization, and mergers and acquisitions. Prior to joining Flagstar, Mr.&#160;Smith was a partner with MatlinPatterson Global Advisers LLC, a private equity fund based in New York, where he managed a number of portfolio companies across a multitude of industries and sat on various boards. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Compensation information relating to Mr.&#160;Smith can be found in the Company&#8217;s definitive proxy statement on Schedule 14A, filed with the SEC on April&#160;26, 2024, The Company has not entered into, nor amended, any material plan, contract or arrangement to which Mr.&#160;Smith is a party or in which he participates in connection with his appointment as Senior Executive Vice President and Chief Financial Officer, and no grant or award has been made to Mr.&#160;Smith under any such plan, contract or arrangement in connection with his appointment as Senior Executive Vice President and Chief Financial Officer. In the event of such entry into, or amendment of, a material plan, contract or arrangement in connection with Mr.&#160;Smith&#8217;s appointment, the Company will file an amendment to this report within four business days thereof. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">There are no family relationships between Mr.&#160;Smith and any director or executive officer of the Company, and there are no arrangements or understandings with any person pursuant to which he has been selected as an executive officer of the Company. Except as provided above, there have been no transactions directly or indirectly involving Mr.&#160;Smith that would be required to be disclosed pursuant to Item 404(a) of Regulation <span style="white-space:nowrap">S-K</span> of the SEC. </p> <p style="font-size:18pt;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;8.01.</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">Other Events. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On December&#160;13, 2024, the Company issued press releases announcing the appointment of Mr.&#160;Callanan to the Boards of the Company and the Bank, and the appointment of Mr.&#160;Smith as Senior Executive Vice President and Chief Financial Officer, respectively. Copies of the press releases are attached as Exhibits 99.1 and 99.2 to this Current Report on Form <span style="white-space:nowrap">8-K</span> and are incorporated by reference herein. </p> <p style="font-size:18pt;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;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">The following exhibits are filed herewith: </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:5%;vertical-align:top" align="left">99.1</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"><a href="d904625dex991.htm">Press Release, dated December&#160;13, 2024 </a> </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:5%;vertical-align:top" align="left">99.2</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"><a href="d904625dex992.htm">Press Release, dated December&#160;13, 2024 </a> </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:5%;vertical-align:top" align="left">104</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">Cover Page Interactive Data File (embedded within the Inline XBRL document) </p></td></tr></table> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline">Cautionary Statements Regarding Forward-Looking Statements </span></p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Form 8-K may include <span style="white-space:nowrap">forward-looking</span> statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, 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 </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">
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 our 2024 annual meeting of shareholders; (i)&#160;the conversion or exchange of shares of the Company&#8217;s preferred stock; (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; (k)&#160;the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l)&#160;the effects of the reverse stock split; and (m)&#160;transactions relating to the sale of our mortgage business and mortgage warehouse business. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><span style="white-space:nowrap">Forward-looking</span> statements are typically identified by such words as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;outlook,&#8221; &#8220;estimate,&#8221; &#8220;forecast,&#8221; &#8220;project,&#8221; &#8220;should,&#8221; &#8220;confident,&#8221; and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, <span style="white-space:nowrap">forward-looking</span> statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our <span style="white-space:nowrap">forward-looking</span> statements. Furthermore, because <span style="white-space:nowrap">forward-looking</span> 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 <span style="white-space:nowrap">forward-looking</span> 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; 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, including changes required 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; recent turnover in our Board of Directors and our executive management team; 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 imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; 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 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 Forms <span style="white-space:nowrap">10-Q</span> for the quarters ended March&#160;31, 2024, June&#160;30, 2024, and September&#160;30, 2024 and in other SEC reports we file. Our <span style="white-space:nowrap">forward-looking</span> statements may also be subject to other risks and uncertainties, including those in our SEC filings, which are accessible on our website and at the SEC&#8217;s website, www.sec.gov. </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">SIGNATURE </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:47%"/>

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

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

<td style="vertical-align:bottom;width:1%"/>
<td style="width:46%"/></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom" colspan="3">Date: December&#160;13, 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">FLAGSTAR FINANCIAL, 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"/>
<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-99.1
<SEQUENCE>2
<FILENAME>d904625dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</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 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">102 Duffy Avenue, Hicksville, NY 11801 &#9679; Phone: (516) <FONT STYLE="white-space:nowrap">683-4420</FONT> &#9679; flagstar.com </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="65%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="34%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>NEWS RELEASE</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>Investor Contact:</B></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>FOR IMMEDIATE RELEASE</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">Salvatore J. DiMartino</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">(516) <FONT STYLE="white-space:nowrap">683-4286</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman"><B>Media Contact:</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">Nicole Yelland</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">(248) 219-9234</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FLAGSTAR FINANCIAL, INC. APPOINTS BRIAN CALLANAN TO BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>HICKSVILLE, N.Y., December</B><B></B><B>&nbsp;13, 2024 </B>&#150; Flagstar Financial, Inc. (NYSE: FLG) (the &#147;Company&#148;) today announced the
appointment of Brian Callanan, Senior Managing Director and General Counsel at Liberty Strategic Capital (&#147;Liberty&#148;), to its Board of Directors, effective December 16, 2024. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Commenting on the appointment, Joseph M. Otting, Chairman, President, and CEO said, &#147;I&#146;m pleased to have Brian join our Board. His proven track
record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian&#146;s perspectives will provide valuable guidance, and his leadership
will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan
leads the firm&#146;s legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the
department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during <FONT STYLE="white-space:nowrap">COVID-19,</FONT> the design of new economic sanctions, and the implementation of tax reform.
While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department&#146;s highest honor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This appointment aligns with the $1.05&nbsp;billion equity investment in March 2024, which stipulated that two Board seats would be granted to lead investor
Liberty Strategic Capital. With Callanan&#146;s addition, the Company&#146;s Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting, Milton
Berlinski, Alessandro P. DiNello, Alan Frank, Marshall Lux, Lead Independent Director Secretary Steven T. Mnuchin, Allen Puwalski, and Jennifer Whip. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About Flagstar Financial, Inc. </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flagstar
Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York. At September&nbsp;30, 2024, the Company had $114.4&nbsp;billion of assets,
$73.0&nbsp;billion of loans, deposits of $83.0&nbsp;billion, and total stockholders&#146; equity of $8.6&nbsp;billion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flagstar Bank, N.A. operates over
400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast.&nbsp;In addition, the Bank has approximately 90 private banking teams located in over 10 cities in the
metropolitan New York City region and on the West Coast, which serve the needs of <FONT STYLE="white-space:nowrap">high-net</FONT> worth individuals and their businesses. </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" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Cautionary Statements Regarding Forward-Looking Statements </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This release may include <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements by the Company and our authorized officers pertaining to such
matters as our goals, beliefs, intentions, and expectations regarding (a)&nbsp;revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among
other matters; (b)&nbsp;the future costs and benefits of the actions we may take; (c)&nbsp;our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d)&nbsp;our assessments of interest rate and other market
risks; (e)&nbsp;our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f)&nbsp;our ability to attract, incentivize, and retain key personnel and the roles of key personnel;
(g)&nbsp;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&nbsp;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&nbsp;billion in assets must maintain; (h)&nbsp;the effect on our capital ratios of the approval of
certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i)&nbsp;the conversion or exchange of shares of the Company&#146;s preferred stock; (j)&nbsp;the payment of dividends on shares of the Company&#146;s
capital stock, including adjustments to the amount of dividends payable on shares of the Company&#146;s preferred stock; (k)&nbsp;the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus
Incentive Plan; (l)&nbsp;the effects of the reverse stock split; and (m)&nbsp;transactions relating to the sale of our mortgage business and mortgage warehouse business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Forward-looking</FONT> statements are typically identified by such words as &#147;believe,&#148; &#147;expect,&#148;
&#147;anticipate,&#148; &#147;intend,&#148; &#147;outlook,&#148; &#147;estimate,&#148; &#147;forecast,&#148; &#147;project,&#148; &#147;should,&#148; &#147;confident,&#148; and other similar words and expressions, and are subject to numerous
assumptions, risks, and uncertainties, which change over time. Additionally, <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to
update our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements. Furthermore, because <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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 <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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; 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, including changes required
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; recent turnover in our Board of
Directors and our executive management team; 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 <FONT STYLE="white-space:nowrap">non-financial</FONT> institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened
litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring
of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the
Company&#146;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 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&nbsp;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;
</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" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
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&#146;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&#146;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 <FONT STYLE="white-space:nowrap">10-K/A</FONT> for the year ended December&nbsp;31, 2023, Quarterly Report on Forms <FONT
STYLE="white-space:nowrap">10-Q</FONT> for the quarters ended March&nbsp;31, 2024, June&nbsp;30, 2024, and September&nbsp;30, 2024, and in other SEC reports we file. Our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements may also be
subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC&#146;s website,
www.sec.gov. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>d904625dex992.htm
<DESCRIPTION>EX-99.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.2</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 99.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">102 Duffy Avenue, Hicksville, NY 11801 &#9679; Phone: (516) <FONT STYLE="white-space:nowrap">683-4420</FONT> &#9679; flagstar.com </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="65%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="34%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>NEWS RELEASE</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>Investor Contact:</B></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>FOR IMMEDIATE RELEASE</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">Salvatore J. DiMartino</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">(516) <FONT STYLE="white-space:nowrap">683-4286</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman"><B>Media Contact:</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">Steven Bodakowski</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">(248) <FONT STYLE="white-space:nowrap">312-5872</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FLAGSTAR FINANCIAL, INC. NAMES LEE SMITH AS CHIEF FINANCIAL OFFICER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>HICKSVILLE, N.Y., December</B><B></B><B>&nbsp;13, 2024 </B>&#150; Flagstar Financial, Inc. (NYSE: FLG) (the &#147;Company&#148;), today announced the
appointment of Lee Smith as Senior Executive Vice President and Chief Financial Officer (CFO), effective December&nbsp;27, 2024. The appointment follows the decision of current CFO Craig Gifford to step down to reengage in personal endeavors outside
of the banking industry. Gifford will remain with the Bank through March&nbsp;31, 2025, and work closely with Smith during the transition period, ensuring a seamless hand-over and continued support for the Bank&#146;s ongoing initiatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;For more than a decade, Lee has been an instrumental member of Flagstar&#146;s executive team. He is a proven leader with a strong track record, has the
requisite experience and expertise, and possesses deep knowledge of the Company. The Board of Directors and I have full faith and confidence in Lee to continue to help guide the Company in this financial leadership position,&#148; said Joseph M.
Otting, Chairman, President, and CEO. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Smith joined legacy Flagstar Bancorp, Inc. in 2013 as Chief Operating Officer and his transition to CFO comes after
serving on Flagstar&#146;s executive management team for more than a decade, most recently as President of Mortgage. He has an extensive background in accounting, finance, mortgage, private equity, and operations, spanning more than 25 years. His
experience in managing large-scale transactions, optimizing financials and operations, and working with regulators demonstrates a strong ability to drive financial performance, ensure compliance, and lead financial operations. Additionally, his
leadership in M&amp;A deals, capital markets, and financial management positions him well to oversee financial strategies, risk mitigation, and operational efficiency at a senior financial level. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">His prior roles include Partner at Matlin Patterson Global Advisers LLC, a private investment firm. He is also a member of the Institute of Chartered
Accountants in England and Wales (ICAEW) since 1998 and has a BSc in Economics and Accountancy from Loughborough University in England. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Otting added,
&#147;I want to express our sincere appreciation to Craig for his impactful contributions over the past year. His leadership during this time has been invaluable, and we wish him all the best. As all of our stakeholders know, we have been working
relentlessly to elevate Flagstar to new heights. I also recognize the personal sacrifices and time commitment required away from our personal lives for this journey. Given the substantial progress we&#146;ve made as a Company, I am comfortable that
this is a good time for this transition, and I am confident the momentum we&#146;ve gained will only strengthen as we move forward.&#148; </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" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO" STYLE="width:3.79514in;height:0.413194in;">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About Flagstar Financial, Inc. </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in
Hicksville, New York. At September&nbsp;30, 2024, the Company had $114.4&nbsp;billion of assets, $73.0&nbsp;billion of loans, deposits of $83.0&nbsp;billion, and total stockholders&#146; equity of $8.6&nbsp;billion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the
Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of
<FONT STYLE="white-space:nowrap">high-net</FONT> worth individuals and their businesses. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Cautionary Statements Regarding Forward-Looking Statements
</U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This release may include <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements by the Company and our authorized officers pertaining
to such matters as our goals, beliefs, intentions, and expectations regarding (a)&nbsp;revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material
transactions, among other matters; (b)&nbsp;the future costs and benefits of the actions we may take; (c)&nbsp;our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d)&nbsp;our assessments of interest
rate and other market risks; (e)&nbsp;our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f)&nbsp;our ability to attract, incentivize, and retain key personnel and the roles of
key personnel; (g)&nbsp;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&nbsp;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&nbsp;billion in assets must maintain; (h)&nbsp;the effect on our capital ratios of
the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i)&nbsp;the conversion or exchange of shares of the Company&#146;s preferred stock; (j)&nbsp;the payment of dividends on shares of the
Company&#146;s capital stock, including adjustments to the amount of dividends payable on shares of the Company&#146;s preferred stock; (k)&nbsp;the availability of equity and dilution of existing equity holders associated with amendments to the
2020 Omnibus Incentive Plan; (l)&nbsp;the effects of the reverse stock split; and (m)&nbsp;transactions relating to the sale of our mortgage business and mortgage warehouse business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Forward-looking</FONT> statements are typically identified by such words as &#147;believe,&#148; &#147;expect,&#148;
&#147;anticipate,&#148; &#147;intend,&#148; &#147;outlook,&#148; &#147;estimate,&#148; &#147;forecast,&#148; &#147;project,&#148; &#147;should,&#148; &#147;confident,&#148; and other similar words and expressions, and are subject to numerous
assumptions, risks, and uncertainties, which change over time. Additionally, <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to
update our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements. Furthermore, because <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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 <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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; 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, including changes required
under relevant accounting and regulatory </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" ALIGN="center">


<IMG SRC="g904625g1214021745518.jpg" ALT="LOGO" STYLE="width:3.79514in;height:0.413194in;">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our
Board of Directors and our executive management team; 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 <FONT STYLE="white-space:nowrap">non-financial</FONT> institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or
threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the
restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of
the Company&#146;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 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&nbsp;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&#146;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&#146;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 <FONT STYLE="white-space:nowrap">10-K/A</FONT> for the year ended December&nbsp;31, 2023, Quarterly Report on Forms <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarters ended
March&nbsp;31, 2024, June&nbsp;30, 2024, and September&nbsp;30, 2024, and in other SEC reports we file. Our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements may also be subject to other risks and uncertainties, including those we
may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC&#146;s website, www.sec.gov. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>nycb-20241211.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:20241122.1 -->
<!-- Creation date: 12/14/2024 3:25:51 AM 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/2024"
  xmlns:nycb="http://www.mynycb.com/20241211"
  xmlns:dei="http://xbrl.sec.gov/dei/2024"
  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/2024"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.mynycb.com/20241211"
  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/2024/dei-2024.xsd" namespace="http://xbrl.sec.gov/dei/2024" />
    <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/2024/naics-2024.xsd" namespace="http://xbrl.sec.gov/naics/2024" />
    <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/2024/elts/us-gaap-2024.xsd" namespace="http://fasb.org/us-gaap/2024" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd" namespace="http://fasb.org/us-types/2024" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20241211_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-20241211_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-20241211_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//20241211/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>5
<FILENAME>nycb-20241211_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:20241122.1 -->
<!-- Creation date: 12/14/2024 3:25:55 AM 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//20241211/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20241211.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.mynycb.com//20241211/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="nycb-20241211.xsd#nycb_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="nycb-20241211.xsd#nycb_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="nycb_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="nycb-20241211.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:loc xlink:href="nycb-20241211.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.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>6
<FILENAME>nycb-20241211_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:20241122.1 -->
<!-- Creation date: 12/14/2024 3:25:51 AM 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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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-20241211.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-20241211.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/2024/elts/us-gaap-2024.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/2024/elts/us-gaap-2024.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/2024/elts/us-gaap-2024.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-20241211.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-20241211.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>7
<FILENAME>nycb-20241211_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:20241122.1 -->
<!-- Creation date: 12/14/2024 3:25:52 AM 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//20241211/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20241211.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.mynycb.com//20241211/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="nycb-20241211.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-20241211.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/2024/elts/us-gaap-2024.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/2024/elts/us-gaap-2024.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/2024/elts/us-gaap-2024.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-20241211.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-20241211.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="nycb_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g904625g1214021745518.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g904625g1214021745518.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  G 6<# 2(  A$! Q$!_\0
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M*ZV/*::=F;'_  MCP-_T,$/_ 'ZD_P#B:LGXD>$%TQ-1.M1?8WF:!9?+?!<
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ME5V!CG #,I ]LD#M0!H> _$7@[QL^HV\/AZUL[^0+)>6DT",LH4X#=,-@MW
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M1V#*Y )'3<#D_I6?XF^&'Q \30P:IJMS#>:H[%#;B5$2WB X Z#))/3TZG-
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75ZBB@ HHHH **** "BBB@ HHHH __]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<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="idm46729133177264">
<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>Dec. 11, 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">Dec. 11,  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">FLAGSTAR FINANCIAL, 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">FLG<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">FLG RPU<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">FLG RPA<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> -Number 240<br> -Section 14a<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>11
<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^(+
M.7\N?<^E[[GT/:'2MS<C?6?!TXM;WD9N6\3[KC':US0N*&-7<LW(QU2ODRG8
M.9_ [/UH/I[Q[?K9)(2OFEDM(Q:02X&S022X_(O*\"K$">AD6R4)RU3393>*
M$IY"&V[I4_5*E=?EK[DHN#Q;Y.FOH70^+,_Y/%_GM,T+,T.W<DOJMI2^M28X
M2O2QS'!.'LL,.V<\DAVV=Z =-?OV77;D(Z4P4Y=#N!I"O@-MNIW<.CB>F)&Y
M"M-2D&_#^>G%>!KB.=D$N7V85VWGV-'1^^?!4;"C[SR6'<>(\J(A[J&&F,_#
M0X=Y>U^89Y7&4#04;6RL)"Q&MV"XU_$L%.!D8"V@!X.O40+R4E5@,5O& RN0
MHGQ,C$7H<.>77%_CT9+CVZ9EM6ZO*7<9;2)2.<)IF!-GJ\K>9;'!51W/55OR
ML+YJ/;053L_^6:W(GPP13A8+$DACE!>F2J+S&5.^YRM)Q%4XOT4SMA*7&+SC
MYL=Q3E.X$G:V#P(RN;LYJ7IE,6>F\M\M# DL6XA9$N)-7>W5YYN<KGHB=OJ7
M=\%@\OUPR4</Y3OG7_1=0ZY^]MWC^FZ3.TA,G'G%$0%T10(CE1P&%A<RY%#N
MDI &$P'-E,E$\ *"9*8<@)CZ"[WR#+DI%<ZM/CE_12R#ADY>TB42%(JP# 4A
M%W+C[^^3:G>,U_HL@6V$5#)DU1?*0XG!/3-R0]A4)?.NVB8+A=OB5,V[&KXF
M8$O#>FZ=+2?_VU[4/;07/4;SHYG@'K.'<YMZN,)%K/]8UA[Y,M\Y<-LZW@->
MYA,L0Z1^P7V*BH 1JV*^NJ]/^26<.[1[\8$@F_S6VZ3VW> ,?-2K6J5D*Q$_
M2P=\'Y(&8XQ;]#1?CQ1BK::QK<;:,0QY@%CS#*%F.-^'19H:,]6+K#F-"F]!
MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
M" " C8U9E?4#TD<%   &&0  &    'AL+W=O<FMS:&5E=',O<VAE970Q+GAM
M;+6985/;.!"&_XHF=W-S-P/$LB&$'F0F!$(SA9 AZ75ZG?L@;"718%NN)!/X
M][>R@YVVSBI#"Q^(G5BO'VNU^VZ4TY54#WK)N2%/29SJL];2F.Q=NZW#)4^8
M/I 93^&3N50),W"J%FV=*<ZB8E 2MWW/Z[03)M)6[[1X;Z)ZIS(WL4CY1!&=
M)PE3S^<\EJNS%FV]O'$G%DMCWVCW3C.VX%-N/F83!6?M2B42"4^UD"E1?'[6
MZM-WYT''#BBN^$?PE=XX)O91[J5\L">CZ*SE62(>\]!8"08OCWS X]@J <?7
MM6BKNJ<=N'G\HCXL'AX>YIYI/I#Q)Q&9Y5FKVR(1G[,\-G=R]9ZO'^C(ZH4R
MUL5_LEI?Z[5(F&LCD_5@($A$6KZRI_5$[#+ 7P_P"^[R1@7E!3.L=ZKDBBA[
M-:C9@^)1B]$ )U(;E:E1\*F <:9W(<,<)MD0ED;D,C7"/)-16D8;9NVT;> F
M]M)VN!8\+P7];8(\/""4[A'?\P^_'=X&M@K0KP#]0B]P ?8; <F7:QA 1H8G
M^K\FVE+]L%G=KOEW.F,A/VO!HM9</?)6[X_?:,?[&V$/*O8 4^_U 3PJX(<Q
M6S31X>/G+-8<X3BL. Y1G?6T#8!$L1BF+^)/Y -_;B+"E3SX.Z&>=QP@6$<5
MUA$J5H5V]ISQ)A9\>'?_ P+1J2 ZNT%,N!+2+K&(0"8U\CB47E:^:^D?5VC'
MNX3MCB^$AL !XY@EC6"XSO"Z?S6=]>_(<#3NCP>C_O4>&8T'!PABMT+L[H(X
M2D.I,JG*E)P:F#\RD#DL-UAU,FIDQH4O+A&ZDXKN9!>ZH8@Y&>?)/5=-(+@&
MW0_H4><(H:%>76N]77AF[(F,(EAS8B["<LJVTSDDO<X^#8Z/ ]_'"#?<@.Y"
MV(\BJ(9Z[^6 %$7V-FT,I$.2>CZYR.=S4'WD:8[5,UJ; D7K]@^< WLF%9G)
M5;-GX7+O1?B@'T4<HW1UV:=XW?Z>KDP(P)LH^2C2L'D:<<WQ9PRM=@*ZDQ54
M:!.I#5C"OR+;FJ@.14J['L78:CN@>$$O@MB'WG(["B[PYQ'M_(6AU*9 \5I^
M+4.8E<E2IECE<(ATNL'^(9@E1E1[ <6+^"<EC.$I3$V2Y.FZ;NA&*ES(U530
MNO93O$9/92Q"842Z(#>PP)5@<2,/KN+DJ:L]Q4OU1/%B>CAD6-E70/O%%;F=
MS[?$#]=SD?EUX??Q*OT#V4CK',A<@ Y9)V!=]_V=ZOYEPM7"QO,*%,S2,F<L
M;>P3'8).M(W^'Z_-=MZ*ID*&#^3+#;?)V-SIOT6K[]=%WP_>]HL*6O]?BU\;
M@X^7\2D/<V69J7]/9L)\;X5K2%QD,U9[Y'?OP*,D8XH\LCCG)(.EKI=,H>NB
M=@L?+_8SQ2*[5*?/R;UL+#P.@>'U%092>X6/E_EJYBZ?PB5+%WQKF^X0&G^>
M8EVO7WN%CY?X<S'/%3@$C\AM5O:7TG!-/J;"D#6N@',TF]!;O'8YUM[B=]\V
MFU#3>2U^;44^;AT[9A,NTAS&;Z-X.273&VRKHO:H #<3=SXY!""?R-WD(P93
M^U& V\?N.>40<N144-M0@-O04#Q!'&:2#&/)BI[GSC;U4VA[()/Z$)H45FP>
M,[O+:#<3,FYRVT,J#N:N8*S;P7"$UVY6;>Q6O:V#!6_A8$'M8,&O<#"'2!'F
M?2/W?R[,/Y@?]H2UY04_:WD.@3)%^QA,;7O!K[(]A]"V%&UO[&K;7PANF.U-
M-8GY''2\@V-X5E5NNI<G1F;%1O>]-$8FQ>&2,VBP[07P^5Q"^5R?V+WSZJ>/
MWO]02P,$%     @ @(V-69^@&_"Q @  X@P   T   !X;"]S='EL97,N>&UL
MW5=M:]LP$/XK0C]@;F)JXI$8MD!AL(U"\V%?E5AV!'KQ9+ES^NNGLVPG:75E
MW8>QS:')W3VZNT=W)YFN6W>2_.'(N2.]DKK=T*-SS?LD:0]'KEC[SC1<>Z0R
M5C'G55LG;6,Y*UMP4C)9WMQDB6)"TV*M.W6G7$L.IM-N0V]H4JPKH\^6E :#
M7\H4)X],;NB62;&W8EC+E)"G8%Z"X6"DL<1Y*GQ#%V!IGP*\"!JP'.,HH8T%
M8Q(RA._]N/P9,&FM5X64,\$E#89BW3#GN-5W7AD6#\87$!GEW:GQ#&O+3HOE
M+3T[##\^R=[8DMLYS8).IF(M>05TK*B/\.M,DP#HG%%>* 6KC68#A\EC%'S8
M Y?R 5KXK;J*W5<D].)3"6T@L-5)](1&,80)"L2_C!9B7X2]_:VPI!&/QGWL
M_&[TH'_OC./WEE>B'_2^FO-CT1=X=-8T\O1!BEHK'O;^RPF+-9O\R-%8\>2S
MP:0<O(%;2AZY=>)P:?EA6;/CO9NFJ:]PSLM_D/.?K7/--;=,7I+VH_\W5_DM
MC)/Q]%P<T:L#.EL)7(0;^A7N5WGF0/:=D$[H43N*LN3ZQ3GUX1W;^PO\*KY?
M7_**==+M9G!#S_(77HI.Y?.J>ZC+N.HL?X;[:)'-M[#/)73)>UYN1]76^T$D
M7O!9QP<<GB-WPQ-',)^ Q1' L#P8 \PG>&%Y_J?]K-#]! SCMHHB*]1GA?H$
MKQBR'3Y8GKA/[I_X3O,\3;,,J^AV&V6PQ>J69? 7CX9Q P\L#V1Z6ZWQ;N,3
M\OH<8#U];4*PG>*3B.T4KS4@\;J!1Y['NXWE 0^L"]CL0/YX'IBIN$^:0E<Q
M;M@)QI$\QQ"8Q?B,9AE2G0P^\?Y@IR1-\SR. !9GD*88 J<11S &P %#TG1X
M#SY['R73>RHY_U=3_ 102P,$%     @ @(V-69>*NQS     $P(   L   !?
M<F5L<R\N<F5L<YV2N6[#, Q ?\70GC 'T"&(,V7Q%@3Y 5:B#]@2!8I%G;^O
MVJ5QD L9>3T\$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:<Z10J[4+!XUA])
M1-MC0[!:+#Y +AEFM[UD%J=SI%>(7->=I3W;+T]!;X"O.DQQ0FE(2S,.\,W2
M?S+W\PPU1>5*(Y5;&GC3Y?YVX$G1H2)8%II%R=.B':5_'<?VD-/IKV,BM'I;
MZ/EQ:%0*CMQC)8QQ8K3^-8+)#^Q^ %!+ P04    " " C8U9'#AEZC\!   \
M @  #P   'AL+W=O<FMB;V]K+GAM;(U1RV["0 S\E=5^0!-0BU1$N)0^D*H6
ME8K[DG6(Q3XBKP,M7U\G452D7GKR>FR-9V87YTC'?8Q']>5=2(6NF9MYEJ6R
M!F_236P@R*2*Y U+2X<L-03&IAJ O<NF>3[+O,&@EXN1:T/9=1,92L88!.R
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M4$L! A0#%     @ @(V-60=!36*!    L0   !               ( !
M &1O8U!R;W!S+V%P<"YX;6Q02P$"% ,4    " " C8U9Z6HKT.\    K @
M$0              @ &O    9&]C4')O<',O8V]R92YX;6Q02P$"% ,4
M" " C8U9F5R<(Q &  "<)P  $P              @ '- 0  >&PO=&AE;64O
M=&AE;64Q+GAM;%!+ 0(4 Q0    ( ("-C5F5]0/21P4   89   8
M      " @0X(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4
M" " C8U9GZ ;\+$"  #B#   #0              @ &+#0  >&PO<W1Y;&5S
M+GAM;%!+ 0(4 Q0    ( ("-C5F7BKL<P    !,"   +              "
M 6<0  !?<F5L<R\N<F5L<U!+ 0(4 Q0    ( ("-C5D<.&7J/P$  #P"   /
M              "  5 1  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4    " "
MC8U9)!Z;HJT   #X 0  &@              @ &\$@  >&PO7W)E;',O=V]R
M:V)O;VLN>&UL+G)E;'-02P$"% ,4    " " C8U999!YDAD!  #/ P  $P
M            @ &A$P  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08     "0 )
+ #X"  #K%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<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>13
<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>15
<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="d904625d8k.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//20241211/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="d904625d8k.htm">d904625d8k.htm</File>
    <File>nycb-20241211.xsd</File>
    <File>nycb-20241211_def.xml</File>
    <File>nycb-20241211_lab.xml</File>
    <File>nycb-20241211_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="28">http://xbrl.sec.gov/dei/2024</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>18
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "d904625d8k.htm": {
   "nsprefix": "nycb",
   "nsuri": "http://www.mynycb.com/20241211",
   "dts": {
    "inline": {
     "local": [
      "d904625d8k.htm"
     ]
    },
    "schema": {
     "local": [
      "nycb-20241211.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/2024/elts/srt-2024.xsd",
      "https://xbrl.fasb.org/srt/2024/elts/srt-roles-2024.xsd",
      "https://xbrl.fasb.org/srt/2024/elts/srt-types-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd",
      "https://xbrl.sec.gov/country/2024/country-2024.xsd",
      "https://xbrl.sec.gov/dei/2024/dei-2024.xsd",
      "https://xbrl.sec.gov/naics/2024/naics-2024.xsd",
      "https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd"
     ]
    },
    "definitionLink": {
     "local": [
      "nycb-20241211_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "nycb-20241211_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nycb-20241211_pre.xml"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 1,
   "axisCustom": 0,
   "memberStandard": 1,
   "memberCustom": 2,
   "hidden": {
    "total": 3,
    "http://xbrl.sec.gov/dei/2024": 3
   },
   "contextCount": 4,
   "entityCount": 1,
   "segmentCount": 3,
   "elementCount": 30,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2024": 28
   },
   "report": {
    "R1": {
     "role": "http://www.mynycb.com//20241211/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_2024-12-11_to_2024-12-11",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d904625d8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "duration_2024-12-11_to_2024-12-11",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d904625d8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.mynycb.com//20241211/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/20241211",
     "localname": "BifurcatedOptionNotesUnitSecuritiesMember",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "ClassOfStockDomain",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "CommonStockMember",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "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/20241211",
     "localname": "DocumentAndEntityInformationLineItems",
     "presentation": [
      "http://www.mynycb.com//20241211/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/20241211",
     "localname": "DocumentAndEntityInformationTable",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "DocumentType",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.mynycb.com//20241211/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/20241211",
     "localname": "FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.mynycb.com//20241211/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": [
      "r5"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.mynycb.com//20241211/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": [
      "r4"
     ]
    },
    "us-gaap_StatementClassOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementClassOfStockAxis",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.mynycb.com//20241211/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/2024",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.mynycb.com//20241211/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": "14a",
   "Subsection": "12"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>19
<FILENAME>0001193125-24-278733-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-24-278733-xbrl.zip
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M%3K X/8&N&-[Y:#'0R7N6WGBR \CH,EQ!]:7/#R.?''[JQB[AS!GP,/@/&C
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M^._.+^W3KX>L<_;MV_'EY?'9Z9-@;"T#QG]Q-0"1D,91A7VI=6JLU=A8WYF
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MA_V4=T/!/!&&:#IARG2EL4*?$^[[]K-9R>S4B\.0)TKLVC_N)A"'FM#VT[@
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M(C"-F0J UE(>B3A3X9@I(#O5&],*YH6X"^@RM11Z::?0,X-Y)./1V#[KQ2$
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M *&X:)_U93Q*!XC:!/TMKI@O>N N4X.=MF$;&VRZG[=HXUUCJZ8.2%NR=GA
MS7D)-N=AL=.")]3J5G.38;$NXF+YQ<YK:@4'T-KS5EFM'!S.QOO??MAN[@!3
MWEV_:E_^2N]V]*O/)RPV[Q 6SXNEX]X=-(K5AC,)/IB*(PR G$4(U 'D',4D
M*#(E:!0@S$0K\'K.@.A'7X.#"**UPC$N/@I@:62-"."#)U+<! K> R;AD8>6
M,?<\;'K#P7A1I\^EKW2<PK^S7FYME>?U<BYAUPPUY,A?6AG=7^[N'!TV,\&S
M#Q]FDZ083E$D?N78 %T!9PXV0#CB8X5:#J;^L#_(S04P4V*Y^\,._;=G=Y/<
MNB6"7BBXQ-#R@(KQ/MP3G5SNK4@?7K=ENWQ)!CL[98O=N>+$$>=3>>N)-N?G
MLXLOAQ?5SMG)2?O\\G#7_O&6;<YF<Z9)R>A/8"JRC^[IE#Q.Q1!+MAO-O8U:
MHS7=U.E.]EI&WUW4I7?Y121<IIFDJK0O@001&DN%DK@#L'*P4LZHG4&J/788
M"MLO6 S=8^TDB8,H)1L2GDR_AZI41(K#\#%K2XF2&$>K6</90RR\I<3NIP^:
M_MX-4D"4MW+P.0:54T;/O>T#\P C_(."A=V#Y_- 0,\B-OM*D@K[+ /80P?L
M# YZDXU ,W-]+#IC@$IPQCY6\7NDXE9CCQ[3W\T]4IQXPS#>>\>.K"ZNL./(
MJ[%5\\;1R5<S'NG%F:J3FUUZ,M#:Q6R?>71=8:>U=JW".)C1X*..63Q"FUAE
M7>#<@,L\,V%F*@,*$]BI*TR 2^=1OG@"-YL:-S7V3=;T5_/1TPO"D-:[X1YL
M=0QFB,I"LCEZ,A[2HP1-$YUP\0/EA3&:*3 .>"E/M)P+$-CLTAO$(E3&MH$S
MES@#3\$J2@#UL';J;BYO_ !P-P!7$::\AT+0\C"IPO0?H D$I*I-2G)7$[>>
M@^BFL0?N@H2I,/$DY UN1[%O\(2,24M;=.9?120D; 9O+5 BQ'V?!'!"Z9A=
M@F&8@BGI =$FR&E(#)-7OU7Q&F0?FZQNT![%R\_AU5X ^-2XQ5S;;8!!5(#F
MQS4-:!<.$\\#A I72H"8T8[H$&$DP5-COP@+/ S4>3,YS _B.((G6J!1"VZ:
M"E%A8(& Y8FWHH2B#[OJ91&)PPKM%:]3)]^/:VK$2YX1A*G)"\M6:4P%Q6I
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M 3+[,P/2Q>+=,/@S"WR,==OD0H5YIA8MA/D0(!FH:P" AV,5P$<_H-I";-%
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M+:=),PG80+![,CL3065"NJ*=_"JL@BTZ@:DHC,(MI4;7V-PB[<:7F/;O70X
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M[WMQ-A_RTOI)[VN_WHW],7P>I,/PX/\!4$L#!!0    ( ("-C5D2VH;_[!0
M +Q"   1    9#DP-#8R-61E>#DY,2YH=&WM7%US&S>R?6<5_P-*R:;L*HHB
M)=F1)5E5%$79S.IK*26^OF_@#$C"&LYP@1G1O+_^GFY@OBA*=G:UV4I5\I"(
M,QB@T>@^?;H;E>./=Y<7)\<?![VSDV;C^&YX=S$X&?S/]KMW[>[QCON)YSM^
M@#@^O3[[+$X_]*\OKD?OMSY]'-X-ML3MW>>+P?NM2,=J>Z;T=)8>7B5F+J.M
M$]%LX/N^BE-E3H[/AK_E@Y<Z3&>'!^TW.MX2,M+3&!.H2;K%R]SDP^;23'6\
MG2:+P\XB/1+^]SA)TV3N'DV2.-VV^O_48;?\/9%S':T.[_1<67&EEF*4S"56
MZET,/UR]WS(DY-;)\>G)X.M,CW4J:,?B>.?TY'CGYJ0B0&7V7<R^)L\C<;9.
M?HK'=G%$LV#C3^WC\7>Y9 &KBK3 FAM>?A"WH_[[K>F[SO[;W3?3[FYWO[/;
M_7G_S9ON0?O+8DI?WKW?NKC^<.UT]V+R5V:I'NUNN_.MB6BE<6)"98HG[0Z&
M"9M$.A0_=/B?[]#5W@N>>:[9;F=7G&63R4KT'E2<J9;XJ(-[^Z"C"']??1;=
M[D&G*W[ZX=W;G]\=B9M9$JM#\>I-]^UK<7Q^?757F/!,IVK;+F2@#N-D:>1B
MZ^3MP=[V_OYNYWB'1IX4LTPB.;6I-.T@F8OU#?\[9T1>VSN]&(C^X.+B]J;7
M'UY]>+_5V>+?-[VSL_SWI^'9W<?W6]U.YV];XO1Z=#88\7,O@WNR#<>^Z-W<
M#@[S/Y[5[?I!;+1B%G%TXO\XRP5Y^^9O<,"=N[/RS6_^:[?54N1\8'V"O?W\
M.?XU<B]'^786<JJVQT;)^VT=6QVJ0_F0P/1^WW9.-@M&N'$U^'0K1H.+0>]V
MX&"C%'!]N#NN_-">'H=IA_&#LFEB1!^2R" ]+.;F39;ZW& [%8$_#H8?/@(5
MWM0U5SX6.%]8"Q;?_:.5"+OFK9Y?C\3P\G)P-NS=#5Y*E3QY!;A$W9G$1C3Q
MCRC\'.ZUWW34_/<AS,FMC!XD3DV)7]KB3%]*D^HX(?_\;ZCV3Z>^WX.MNP=O
M/;8^I][GO>)@LU<<_/>]XD]W=/#C2Q5JN897?QG^=VGO2@=)I,1G%44R#O]2
MV_?BQ>[^P6NQVWVW_6YW;[^N-LI6F!"=;,XBF&&]-*6D:';1^W![UQN)\^%5
M[ZH_[%VTQ/"JWQ:]FYOKX=7=K3@=#7M7HM\#K\((<7<-%M8;G8GK<W$V' WZ
M=]>CVR(#>8(/OXCT).['8?_OM[\-+RX&H+SMS^V6.%.!FH^580E("/Z/._KN
M7DOL=G;W6;R??NB^Z1R)<\]HQ;F.91QH&6'#<= 6KZX^@S^*\XL/K\6K=*;
M@;O[/Q_UD_E"QBOZ<7#T6J1)*%="QG&2Q8$*!08V&W*Q2'2<SJ%6D4S$J=$R
M%GU)WB'CEKA5L08UNL0O['^*2&M40&0)SB,^J%@9&0&(LMBJ2,A47&CL)UV)
MV]3(5$UU@+D6.L6@5TXF/\#+U()00J=6G";2A"1 OH!M"369X$_]H I%B>Y;
MIY7V(T+_XB<&Y9%2:--)3+H2%56UQ"^)58N9N&R+ZY0&M41_)C4R<"CMQBC"
M"QI&:NH/KH65.FSY8QG2?]X>S<4B4M+2021B)K%-I_PO6$0DF7$Z:2-5LF)A
M$B1. DH-[IL-: B9'L^MOBZ@3FV5P$>3W"R$5>9!!PI*E%&"'2QU.A,S3&2+
M<R%,0VYI\2Z*Q)@FP,N,=H<)))XK$22D@$R1A.JK"K)4D3)(.,P3VPF5'%*-
M1R0+K;0-YYR+!VWQL.TVY':+/2AC%^Y _:*T*^A)/,@HDV.@\C33(7:@G-Y(
M7F@(*:V=Z46SX;Z)R(9%8'2J PAJ",VQ]]#H!SHKF\%#H >>SB3+= 9#BFUF
MZ"6V)(.95M!U*:S- FC*\I)S^57/82!\WB26HF]"%4%H0UJ@K=N9-&J61"08
M)I\OHF2E6->8(8@T-&C;SL#_ #/UKBJ@+"E";<D8,VUGL*M(+E<0FP]??4VA
M!G(F-AD(&:S9C%'3+.+3;.5_)V8%&\ &=7DJY0>I"F9Q$B73%2"W</U6@1[-
M!IV>95U.X!JY(41JBJ\G "&W&!DK-@4K(B1PZ1CC$;F@3E.5KYP$F74#JY;.
M<*2+KVP;_D>8A=,B5Z)S+T2#)+Q:2 :^#E] 'Q+UU_8M,@JU0$:1HR(]O@,3
M@!EA$KBBL4K1Q+NM3J?C]0S]!R:QUN%J6$P Y5B @U:3]159'C)HDD?<JU5A
MS7/YA3<%(Y?.86"E,Q(:KA\G<_@O,": ><*'ID;.K0B=B7^3TO>O?QN>;7??
MM?)Z"6TN!&!-8]IJ#-,JUK#2G9&W;1JI80V*08+]GI0COT(8@H)VL_%IIB.G
M8Q(&\D*1&>+!HYT7=CNGT*)"O^4(.YZ6D")#0 E>XF?%)-UJ%!\2DY)L<\*X
M!.(94LL" NNQIJD4K.$<TS+T.4QDI0-!E7YP,5#T(O45B^'CC^1D*1;K+0&]
M+:^:_"!S^YT!-V%L8@8MF3\@$MV1]-4XS;5;Z_R:1/RQV^Z\<;0!VXY(>>J?
MF8;:2[<@JT*2#".B^-D2, W\#;18D%99$PC?Z3+QH=@J2;$AR:*0@@-L+$Y=
MJ"*G]A,GIMEX,N*WQ2<2,#_H7'LR#+7S>Q*]0E'HY28:X"1=PI8H[B%(Z30C
M490TP%KR$K\E !N.T9*,\'HEYLP9,(..@R@+R2"?CM'LGP..<022UY,);,5L
MBO.7;"+-QJG"^K&]URVR( M?"4TB;J@:<87L(J''L.]S:.Z^1;I'W$  N\B^
MML0%Z7 (FUNHF(0H>=6M"HP"QR.%*HKY=VUQ&</Y=4P31GARDRUEQ.N2Y+^H
M.-83Z &NMWC>&@]>B,D>_WK2&R=9^C0A/=[Y]61#9;\BS-N7D"5?O]E8%T"[
ML /7)>T&SLK(L J13_E8KMH]$/$$UN)A/H)(Y-R &Q@I$&N,<9:,C-X&@*_4
M(-[=E;9+:\UPGO_,@!/**'*.>GT; G].S#U'R5NU2-DNG;_N=5K>>BO> #88
MPJF[^^W]NE=#1FFM N8U&S_^O-?N/'H=)9+0&H:56(JF>/3CP?I C^8)$3TX
M<7#OR8SSPAP[^-/VV]J7[?5>QXN#W8;S$0D("[#%<N1M-O81<L?PJF"F:LXM
M!04Q#<<%5B$P*IN3'-+M%6(%C@E'2YN_U.%2^;^C)."(PZ=,X.Z)(^WE'LK.
M9[B%R9<S?*+/^PE^MIV*AO$:MM$.<)2,W28!L<0>HI5XUX%L^@$_V+9(\E11
M!&<YG/G01D6W(P*.85Z 9F.N4I,L$D0V $MN5J)/I^7LE27SZ4HI8('V1'WX
M7:Q4R,;Q3;I ^MB.59JSA26I$0*%H-MA!AS*F8$V8IQ9X"X,U!8XM',V_ TH
MX+N17$FG>L8"=K>*5-U^J"BQ9C[TJ%*'&5/@5X<R6LJ5I2K(SH(6^3@2M\/_
MQ0;VMO)YN5MZ^,,[_F>M$^,K"?W!U=U@]"_V2Y_KF/[5:7RFT[@F\EKU:@-^
MU"?ZS_6I?6#KRXP\V 5@N".G%&*$E,4PR(!-$C?<OD@2=MW*H&K0>R($OTC4
M8SYH%!</,-G*0Z#ZMC-/O/"1$S[W:5ON8;RJ!2*&$Z2\4,HL,9"/R!DS(\[G
M*=-F_$HX/P% 2:1KE E9_FR: "!:X(\@:A/&ZI1**D5"0:EHD'KP-86.7\G7
M[LR-XG8Q9=G2T$KXBR(<93UAYM-'CH@"T1>PB.PLT@A?(4$BAT >$O@:5(3Y
M2""C[3T$D-'*:HJ6E&$1K32<Q0>8P'WIQ729!<&WX;R72A^R2(PH^6@VBC&T
M_R/Q:NRWP,EO1E.#/-C4P>48V=#$AV>N++G)J-9 YYG*>X4I C\%'P"AJG5G
MA(_ $;'%?!\AZ6/,)8\HL3Y%9B;@DBAK$U C"BT@H,F2<GGWAD(DY=Y8+'QZ
M,3HUPYR(8E95(10>FPV2@J90U2DX_UIM*!R5%2ADOG$U?I,F;$;F1=4))B#T
M 2\?<X'"XC=7M;#?0(5T7BR/75D8,,DPV2P#CL5 R;P:6> #3+GE54!&S,DW
M%:B2.*9"ID]V*1UG%=1>'S4;KZ9/K..K2_2XK%&4*BLW[UVCNGMD&N36TN=9
M-,=<@8WZ"DZ5&06)63BF6\V/N%2C4I<OYS537TYFFKG;<MY<6CAMSF9CS NM
M0-0%PCN;HK=,2K0AP"V"GR0C1MI#K":=F20#4:+\YFS8WX;%:,MRE[[1*M&C
M5- DBR('*RE@#7\6]02G<#)H5Q'@9T5U0_N\CV6;@@RD5(^;8?T?$=3K-!C'
MZ5BRF&>PVCG.E\X8UC&K.*6K+N=6F2.$(3 J_9*(VX.DTE"S$3B\(YF +,Q\
M^#5V#=1<+PSF]1AZSG5\&<> *)RH<C7E26TXA-,5X9#G4I&)#\C @P+L=*J*
MCPH!U])G<%YD@I2",*W'I%\JDR[D*B]H,7M3E"QCA>>FQ+:]9GC&&MT.OV2^
MY$8GR_J:4WY47P"K,C)]8Z$-LM]79)</4D>Y'6$"GZ.0(84ZRG)35E]= 31_
MGQ]&!0+9ER3$#FNBXXPZXGH>:Y#89F/H84*)FXB:>J^B1Y93[(."E('KLMC"
M+B#B$0OV:IY_5 D8SL-]T&3$DY'*H6X.[YO"]@LF[8K2^=,EVTMFR_=_0/7I
MFZ3B_)ND F*+=+6@>CUY/!4\D*4YO^&Z)I**D$F#:Y P7WA0+5]#=P\=5_#/
MF@WWD% KT NL5!_,1".L/T/V1B*NS0ISF3_ZG+*,@!*GVE,X^Y=2!/_0SJA$
M5G\&[YVXVI)_7 D &EH&AOL=.PX$I[ EVR!M 9)I*2YE90#@A(P21IS-%YYV
M<-!U'U WCZ&)<L4\'N2(P7T+G&E;]'QR2H?0>@FN:!?(R>#7!.B%-X3$$?#'
MBO<QER&83)51A@G,*TY2P;LA.H%G&1$W]N7\;4;U6.)!U"%L-K(%STL^\N\+
MWA;G&=4"#!Q+$3L-)/G4"VAD[>@J![;IH( (F:,U641P8G*B2*PW)>CEZFNH
M@3>F1736ZC&4G1-1.L:)2>:>.I2^X$H(S+5RT<I@[-< F^'N'55(JNM49G>3
MTS=(.%+0_Z"4]@\ GNL7.>RU,ZDU"VS+<QQBQ03)"X1L4F'DW.OQH1V*J6MD
M-!M%DP3_=8[E2R&&PAXR%LT.'\O<Y^B J<2#/X^J'_GJD@5+-MI9AJ?W]7:;
MKT8=>=?F#VO4O/[*EP#%!'OSQ^]7"M7<M=-,/LAE5?F@HF7@LRQ;XE>S\;C'
M7%L5S"P2BM7O^J?UU[2\S]1('418DY*(DJEQ>E=KZ#$GQ1F!E]7HQW=D-965
MO=D70WG[7L\N::I.GG]HB$=@$!"(&T24=3]0=5$&7 IF07C)2G.*/V'C<]!7
MH;\@0[DD!4.JB5GEHA4>S$FCC%AP.P.%+#()O^<UFNU[VHYMEQ2;@VWYY1'W
MP8AZ9R;F2%&]><"DM^C#%*NHHD=2D8\*F(_V\72FMS;P^S.\C3G%<YM=,'VK
MK$<F!P;.&^# ZY9@4"ALN]FHY1N$S 2%WT2C.(FWBTER+*I.51,E@F[L6L>]
MI %4Y@WXD'S;M>(HY/* 8R^=4Z(KDO,3T"JJ+)=6Z2<! \+VF6U2WXG3$,JB
M.)V*R<K+]FN+7G'RS[61J2Q4P8V4:K5#N+)LU0E@%W'@V8CBL0 W:L7@A J.
M[@!@3B/QRZ.#\XXC7PQP-S,\-(R!GO?0GXYS9*0;"%P\>?# 6;D&X,RF-$%I
MTMC=)/':8"4"WCA/:S:>HN!'Z^9&7<AI3)=$JA&7Z&G,";PO3'EV%\\D7[92
M>5U#*]^YI4ZU)PJT@G/%J'I!JY0>=/$>.@XJ\Q=V(0/.N"9(D-B6"=:U-=FB
M""]X0O5SZI=XFM9LK&5?A?50LFOR8+0J_0[\2SI<GAB9*TZUG $1_>")-6"#
M-*W7.C-T-\4Q!ZY>K<:T6BJ#>Q8WD)"%6MKK>^*: R3"?K"FNV[S-25P%4O8
M+-F5XTHM,:?SD7Q?)9[ <U(DU-7*4K,QRL"?Y,ZO]T92=S@?U_*-/?\5U#6T
M1OHB$- !W-NYBJ0+(&ZTIV+*M9QM44<AWNTGLMZ)N>")+4R5:]PPB:(V-L($
MM:<LW8%#W@MZ9>?L<[RMVG"W1Y=&2(15HY7+@NMNR,2_Y4NXVCCMJ182ASHM
MK7;):NR&%M@A#\?XL5HE'FKI%IA)HK8@1K9&N-:9EHQL4EWK=_*KC9[Q?!%L
M<_D+D6MS_:N('_]Z#4Q\=PGLL&(M'C_XEL6LCAWKY>!:O8!OO5%*-%;,KK@(
M#U2-??6<MFOHZB6HS1%UW/[JN_W5=_LS]=V:C74G8=H1&'<YUMT6Y*N5Q4U$
MUTJI1IAUW""24KE+EI@:.ZF6XERQG40HBFX+ZA50:L,7+@*7 OA+)-I%6!<S
MYF/-M*GD"M1*,GE * ER<?DI]0TPGUO'TX2D+U:ND#@&J@5A418SNSEZ&DSR
MX@HUCP 3F;O^6NE'%%!A5R!!9=;@EJ-Z:96>.,JP%K37@8GNXR+@.]96S$^E
M)A"$N=.21R6?(KE>7B4</,(Z+S]>Y]7]?.+U\A4%/IP 1F!\[$HMADVCJI0Y
MJ6XE3G-\[4V-<LD! P(72J E-IZK_JA?CR:<WM'@;.&O5 3(%'.RN*&$_5W=
M&H+S_%@\#<W+/P4_-QH>Q36#&L970\9*9/81K_*YA8^;A55Y'@FU5:L^U>NN
MKIBQ8CI7F<5=B%JRL="U\R)%$=+=S<<A9M8UE8+,PO^9HP5>\QS0_8W;\@9I
M=<$*20-QR5(.=)&>:^>6+;Y<FDM0S9%>_^=O(ETFU.X"WRTNN9<=:NO3*.P'
MU'<B78KL+^HCK2]J+2-J:)W[]W17N5+JZ+F.T$B1DU,:=TZW6K^99'8[VW_?
MZ>79Y<2#T4K!UN@R8;C6^=MSU&>O)?[A+JC!JNI+6K]FL_'\JO]87]/?>+-^
M7;Y>6EMTOR5^R6*U?M6-SO+)>W"^4.6H[>V@#ZV3L&Q)$QTI1T-?H#!(8,-T
M=8QCKE!6?X]X,T%]W+'U/7ND*/  7^2"(<1J65S2:!5=1B0'@!V.8'#O5MXD
MS&_3^DMK:5X'2(J*#"D"NW=7(!Q(,=WF!%G[_AH-7*HQ6*UKTWL@Q+<Y0OFW
MR F6RV4;]MB>)@_/7=8ZWJ'__00>\O^UXO\!4$L#!!0    ( ("-C5EBL5J+
MK!4  %Y%   1    9#DP-#8R-61E>#DY,BYH=&WM7&MS&S>R_<XJ_@>4DDW9
M511%ZF'+DJPJFJ(L9BG)*RGQ]?T&SH DK'GM8$8T]]?OZ0;F15&VLZMD:[>2
MV@<UQ "-?IP^W0!S<G%W.3D]N1@-SD[;K9.[\=UD=#KZO^TW;[J[)SOV3SS?
M<0/$R;OKLT_BW?OA]>3ZYNW6QXOQW6A+W-Y]FHS>;@4Z4ML+I>>+[.@J3D,9
M;)V*=@OO#U64J?3TY&S\:S%XJ?UL<738/=#1EI"!GD>80,VR+5[F0S$LE.E<
M1]M9G!SUDNQ8N+^G<9;%H7TTBZ-LV^A_J*-^]?=,ACI8'=WI4!EQI9;B)@XE
M5AI,QN^OWFZE).36Z<F[T]&7A9[J3-".Q<G.N].3G0^G-0%JL^]B]C5Y'HFS
M=?I3-#7),<V"C3^UC\?O%9)YK"K2 FMN?/E>W-X,WV[-W_3V7^T>S/N[_?W>
M;O_U_L%!_[#[.9G3FW=OMR;7[Z^M[IY-_MHL==/N=GO?FHA6FL:IK]+R2;>'
M8<+$@?;%#SW^YSMTM?>,-B\TV^_MBK-\-EN)P8.*<M41%]J[-P\Z"/#YZI/H
M]P][??'3#V]>O7YS+#XLXD@=B1<'_5<OQ<GY]=5=Z<(+G:EMDTA/'47Q,I7)
MUNFKP[WM_?W=WLD.C3PM9YD%<FXRF7:].!3K&_YW;$11.W@W&8GA:#*Y_3 8
MCJ_>O]WJ;?'?'P9G9\7?'\=G=Q=OM_J]WE^VQ+OKF[/1#3]W,M@GVPCLR>##
M[>BH^/!5W:X;8J,7LX@WI^[#62'(JX._( !W[LZJ;WYU;]NM5B(7 YL3[.T7
MS_$_-_;+FV([B9RK[6FJY/VVCHSVU9%\B.%ZOVT[IYL%(]RX&GV\%3>CR6AP
M.[*P40FX/MR:JS#:T^,P[3AZ4":+4S&$)-++CLJY>9.5/C?X3DW@B]'X_050
MX:"IN>JQ@'WA+5A\]X]6(OR:MWI^?2/&EY>CL_'@;O1<JN3):\ EFL$D-J*)
M>T3IYVBO>]!3X6]#F--;&3Q(6$V)G[OB3%_*---13/'YGU#M?YWZ?@NV[AZ^
M<MCZ-?5^/2H.-T?%X7\^*O[K3(<XOE2^EFMX]:?C?Q]N9 H41+R+?7D?+\V]
M_E-SWPL9N_N'WP$9>_W=[8/#U[L;(8,*&^9.IYL+#B9CS\T^*?%-!N]O[P8W
MXGQ\-;@:C@>3CAA?#;OB:G YNA63T4C<7H[O+L3@5@POQJ/S:J"X/C\?#T<W
M9:7R!&]^%M%)UHOQ\*^WOXXGDQ&H<?=3MR/.E*?"J4I9 A*"_\_Z1W^O(W9[
MN_LLWD\_] ]ZQ^+<,5]QKB,9>5H&V&WD=<6+JT_@F>)\\OZE>)$M%+AR?__U
M\3 .$QFMZ(_#XY<=D2$X5D)&49Q'GO(%1K9;,DEB'64AE"KBF9@H)6Y#G2V$
M-.)611H$:O1%>7FF'Y3X57M*?$@5Q0S&R\@7PX56LTHB<3V;85 J7@S/K[&F
MFLV4Q^\6N[7[VWUM]]<5=Y"W+L0L#@)$,$DG?.5IH^.()//R-*7O,:\8IE+/
MQ7L]FZ$TPKZ$R50B_'@9T1^I4M$<(2YT)!*5FCB"7"KR%:(\-2+.,Y*_W<*D
MM,A41O<ZFF.TGYLL777+B9<H9#!;*#'1DG1"P]]A.#ZD<3Y?"/ 3;V%WM-?G
M'1UT6"W+.+T77A ;%:SLNU:K?I[26C11EDJ 3T;;@Y0Z]J&MR-COI3!*AH$R
M1BPPW7;\ )72O!Z\3*/4\H7)H;24])66<I&I7QUCB]$\MEO"_)+4;[J/:J5G
M=W+K=>>0)R0"ET%R; 0VE#[*0?*L!9QJ"NM@*Y -RL[)Y+!.R*Y!9BZ<O-B*
M*ITO@T:ZX@)F-9@V26,"_$!A\M1J&$K+TIBTFTKO'H;S8,0.+\JNGJJ_YW"G
M3&%2TKA"%+!2^<],&V5ME\3&*/H/9(=;W0," ^7#GYS#N+BRKOLNEO 4?'.F
ML6!&#D9SC+$L9)[E\*"99.FL]684.A[[)FD$[EJ8E#XO5)"(>8XQ]95H<+;
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ME24(,SFFHW/++ZB(-;9.(.A#WDM=@5+6$. SP/Z_YR[G8G"[U3BO@\"? -
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M88TK(DJNQN5=G#;$0/Z#C<#+&O3C.ZJ:VLK.[<NAO'VG9ULTU2<O7BQ.(H!
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M!U/G]D<[6_]B;W[F]/QC'OWP+U!+ P04    " " C8U9LT]'[20(  "J6@
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MHF ,&[)@K0O6PC!/HR]L%Q6/%(WOI^**<[FDOF(Y6T73+QJ6:_X'4$L#!!0
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MS<:*1Y_[2U*+?PTG#F&OH::@_4+#^:MA;PJZX DFK GE*NL7PUN___+#"NP
M[KC*E"<)9[FD&TBF(!HAW35^<:('.BD_&+DE>?RJ3K8?R"P3F@'$=WD(MUR!
M_,2(&D.4Z1@)R/K<FGI\Y3";RK&$3UX5X2NRA'C"KRC7F67SD98R!J'#[M]R
MIL\_&=7ECW /(@6587IOPVLX:+]A8R[TBV^CU':9=Z]@>G]^35=T^578GDZ(
MJK>2JK9[O===NRL,OD^$A?=;Z^CH-5QS/0^PKU7'1OD5Q?.Z]+:,'$2WI<!R
M.W6&VUKJ0"L0F Y9#,O?8567WQYC!SGN45+P[!PYP].JG^C\UL58MG&07EF
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MHK-@)V<ZYL_FKXGK(^;-_-%.E_P#4$L! A0#%     @ @(V-60%?80*Z(@
M1[H   X              ( !     &0Y,#0V,C5D.&LN:'1M4$L! A0#%
M  @ @(V-61+:AO_L%   O$(  !$              ( !YB(  &0Y,#0V,C5D
M97@Y.3$N:'1M4$L! A0#%     @ @(V-66*Q6HNL%0  7D4  !$
M     ( ! 3@  &0Y,#0V,C5D97@Y.3(N:'1M4$L! A0#%     @ @(V-62_,
M()Q !   9A$  !$              ( !W$T  &YY8V(M,C R-#$R,3$N>'-D
M4$L! A0#%     @ @(V-6:NWTNX !@  &#8  !4              ( !2U(
M &YY8V(M,C R-#$R,3%?9&5F+GAM;%!+ 0(4 Q0    ( ("-C5FS3T?M) @
M *I:   5              "  7Y8  !N>6-B+3(P,C0Q,C$Q7VQA8BYX;6Q0
M2P$"% ,4    " " C8U9SE(>_;4%  #B.0  %0              @ '58
K;GEC8BTR,#(T,3(Q,5]P<F4N>&UL4$L%!@     '  < P@$  +UF      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>d904625d8k_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/2024"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nycb="http://www.mynycb.com/20241211"
  xmlns:us-gaap="http://fasb.org/us-gaap/2024"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nycb-20241211.xsd" xlink:type="simple"/>
    <context id="duration_2024-12-11_to_2024-12-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2024-12-11</startDate>
            <endDate>2024-12-11</endDate>
        </period>
    </context>
    <context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</startDate>
            <endDate>2024-12-11</endDate>
        </period>
    </context>
    <context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</startDate>
            <endDate>2024-12-11</endDate>
        </period>
    </context>
    <context id="duration_2024-12-11_to_2024-12-11_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>2024-12-11</startDate>
            <endDate>2024-12-11</endDate>
        </period>
    </context>
    <dei:Security12bTitle
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="Hidden_dei_Security12bTitle_duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember">Bifurcated Option Note Unit SecuritiES SM</dei:Security12bTitle>
    <dei:AmendmentFlag contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-318">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2024-12-11_to_2024-12-11"
      id="Hidden_dei_EntityCentralIndexKey">0000910073</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-353">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-354">2024-12-11</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-355">FLAGSTAR FINANCIAL, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-356">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-357">1-31565</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-358">06-1377322</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-359">102 Duffy Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-360">Hicksville</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-361">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-362">11801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-363">(516)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-364">683-4100</dei:LocalPhoneNumber>
    <dei:Security12bTitle
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-365">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-366">FLG</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-367">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="ixv-368">FLG RPU</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-BifurcatedOptionNotesUnitSecuritiesMember"
      id="ixv-369">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-108">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-370">FLG RPA</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-12-11_to_2024-12-11_us-gaap-StatementClassOfStockAxis_nycb-FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"
      id="ixv-371">NYSE</dei:SecurityExchangeName>
    <dei:WrittenCommunications contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-372">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-373">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-374">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-375">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2024-12-11_to_2024-12-11" id="ixv-376">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
