New York Community Bank Mortgage Rates, Fees & Info
Westbury, NYLEI: QODK9N71Q3XVQS2JKH91
Tax ID: 11-1212640
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Review & Overview
New York Community Bank is a large bank specializing in Refi and Home Purchase loans. New York Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Trenton, Bridgeport, and Virginia Beach among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)New York Community Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 1/25/23 |
| 30 Year Conventional Refi | 6.27% | 1/25/23 |
| 30 Year Cash-out Refi | 6.27% | 1/25/23 |
| 15 Year Conventional Purchase | 5.68% | 1/25/23 |
| 15 Year Conventional Refi | 5.68% | 1/25/23 |
| 15 Year Cash-out Refi | 5.68% | 1/25/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
786Origination Dollar Volume (All Markets)
$7,782,320,000Employee count
2,696Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 569 | $4,318,165,000 | $7,589,042 | $0 | 3.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 95 | $1,249,455,000 | $13,152,158 | $0 | 3.08% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $200,015,000 | $66,671,667 | $0 | 3.07% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $182,050,000 | $45,512,500 | $0 | 2.85% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $159,165,000 | $53,055,000 | $0 | 2.84% |
| COLUMBUS, OH (FHA|USDA|VA) | 18 | $158,130,000 | $8,785,000 | $0 | 2.85% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $120,010,000 | $30,002,500 | $0 | 3.20% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 21 | $115,315,000 | $5,491,190 | $0 | 3.15% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 7 | $111,165,000 | $15,880,714 | $0 | 2.70% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 5 | $107,395,000 | $21,479,000 | $0 | 3.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $107,230,000 | $13,403,750 | $0 | 3.26% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $72,430,000 | $12,071,667 | $0 | 3.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $60,005,000 | $60,005,000 | $0 | 2.45% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $53,505,000 | $53,505,000 | $0 | 2.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $48,955,000 | $48,955,000 | $0 | 3.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $48,550,000 | $24,275,000 | $0 | 2.90% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $48,490,000 | $24,245,000 | $0 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $47,205,000 | $47,205,000 | $0 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $47,155,000 | $47,155,000 | $0 | 3.10% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $46,005,000 | $46,005,000 | $0 | 3.00% |
| AKRON, OH (FHA|USDA|VA) | 5 | $45,235,000 | $9,047,000 | $0 | 3.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $43,435,000 | $43,435,000 | $0 | 3.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $41,410,000 | $20,705,000 | $0 | 3.10% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $41,255,000 | $41,255,000 | $0 | 3.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $37,315,000 | $37,315,000 | $0 | 3.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $34,005,000 | $34,005,000 | $0 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $32,405,000 | $32,405,000 | $0 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $30,505,000 | $30,505,000 | $0 | 3.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $30,405,000 | $30,405,000 | $0 | 2.90% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $29,105,000 | $29,105,000 | $0 | 3.40% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $25,705,000 | $5,141,000 | $0 | 3.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $25,005,000 | $25,005,000 | $0 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $14,105,000 | $14,105,000 | $0 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $8,505,000 | $8,505,000 | $0 | 3.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $8,255,000 | $8,255,000 | $0 | 3.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $5,765,000 | $5,765,000 | $0 | 2.85% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $5,735,000 | $5,735,000 | $0 | 3.20% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $5,170,000 | $2,585,000 | $0 | 3.38% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $0 | 3.40% |
| READING, PA (FHA|USDA|VA) | 1 | $4,505,000 | $4,505,000 | $0 | 3.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $4,365,000 | $4,365,000 | $0 | 3.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $3,675,000 | $3,675,000 | $0 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $0 | 3.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 786 | $7,782,320,000 | $9,901,170 | $0 | 3.15% |
For 2021, New York Community Bank's most frequently originated type of loan was Conventional, with 786 originations.
Loan Reason
For 2021, New York Community Bank's most frequently cited loan purpose was Refi, with 607 originations. The 2nd most popular reason was Home Purchase, with 175 originations.
Loan Duration/Length
For 2021, New York Community Bank's most frequently cited loan duration was 10 Year, with 500 originations. The 2nd most popular length was Other, with 281 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 527 | $3,576,285,000 | $6,786,120 |
| 2.5-3% | 253 | $3,880,045,000 | $15,336,146 |
| <2.5% | 5 | $318,425,000 | $63,685,000 |
| 4-5% | 1 | $7,565,000 | $7,565,000 |
During 2021, New York Community Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 527 originations.
Loan Sizing
2021 saw New York Community Bank place emphasis on $1MM+ loans with 769 originations, totaling $7,768,615,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 786 | $7,782,320,000 | $9,901,170 | $0 | 3.15% |
Approval Rates
Total approvals of all applications94.07%
New York Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination92.49%
New York Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 786 | $7,782,320,000 | $9,901,170 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 786 | $7,782,320,000 | $9,901,170 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| NEW YORK COMMUNITY BANCORP INC | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| New York Community Bank | 1092 Old Country Road Plainview, NY 11803 | Full Service B&M | $103,721 |
| New York Community Bank | 100 Duffy Ave Hicksville, NY 11801 | Full Service B&M | $71,679 |
| New York Community Bank | 100 East Camelback Road Phoenix, AZ 85012 | Full Service B&M | $94,919 |
| New York Community Bank | 1000 Pine Avenue Union, NJ 7083 | Full Service B&M | $76,553 |
| New York Community Bank | 101 Barkalow Ave Freehold, NJ 7728 | Full Service B&M | $55,894 |
| New York Community Bank | 101 Wicks Road Brentwood, NY 11717 | Full Service Retail | $50,099 |
| New York Community Bank | 102 Duffy Avenue Hicksville, NY 11801 | Full Service B&M | $0 |
| New York Community Bank | 104-08 Rockaway Beach Boulevard Rockaway Park, NY 11694 | Full Service B&M | $71,923 |
| New York Community Bank | 10619 Continental Avenue Forest Hills, NY 11375 | Full Service B&M | $186,540 |
| New York Community Bank | 10633 North Tatum Blvd. Phoenix, AZ 85028 | Full Service B&M | $124,819 |
| New York Community Bank | 10706 West Bell Road Sun City, AZ 85351 | Full Service B&M | $144,902 |
| New York Community Bank | 108 7th Street Garden City, NY 11530 | Full Service B&M | $95,389 |
| New York Community Bank | 127 North Congress Avenue Boynton Beach, FL 33426 | Full Service B&M | $172,620 |
| New York Community Bank | 1270 Clove Road Staten Island, NY 10301 | Full Service B&M | $75,566 |
| New York Community Bank | 1280 Broadway Hewlett, NY 11557 | Full Service B&M | $105,773 |
| New York Community Bank | 1280 Union Turnpike New Hyde Park, NY 11040 | Full Service B&M | $70,529 |
| New York Community Bank | 130 East Main Street Bay Shore, NY 11706 | Full Service B&M | $81,289 |
| New York Community Bank | 130 Wheatley Plaza Greenvale, NY 11548 | Full Service Retail | $8,894 |
| New York Community Bank | 132 Avenue U Brooklyn, NY 11223 | Full Service B&M | $133,850 |
| New York Community Bank | 133 S Livingston Avenue Livingston, NJ 7039 | Full Service B&M | $70,746 |
| New York Community Bank | 133-11 20th Avenue College Point, NY 11356 | Full Service B&M | $82,353 |
| New York Community Bank | 134-40 Springfield Blvd. Springfield Gardens, NY 11413 | Full Service Retail | $17,346 |
| New York Community Bank | 1351 Forest Avenue Staten Island, NY 10302 | Full Service Retail | $20,081 |
| New York Community Bank | 136-65 Roosevelt Avenue Flushing, NY 11354 | Full Service B&M | $164,702 |
| New York Community Bank | 14 Conklin Street Farmingdale, NY 11735 | Full Service B&M | $198,604 |
| New York Community Bank | 1400 Old Northern Boulevard Roslyn, NY 11576 | Full Service B&M | $305,822 |
| New York Community Bank | 14033 Cedar Rd South Euclid, OH 44118 | Full Service B&M | $85,342 |
| New York Community Bank | 14177 Pearl Road Strongsville, OH 44136 | Full Service B&M | $107,308 |
| New York Community Bank | 142 Broad Street Elizabeth, NJ 7201 | Full Service B&M | $10,788 |
| New York Community Bank | 1445 Richmond Avenue Staten Island, NY 10314 | Limited, Drive-thru | $0 |
| New York Community Bank | 14543 West Grand Avenue Surprise, AZ 85374 | Full Service B&M | $186,261 |
| New York Community Bank | 1460 Richmond Avenue Staten Island, NY 10314 | Full Service B&M | $198,545 |
| New York Community Bank | 15 Maiden Lane New York City, NY 10038 | Full Service B&M | $100,949 |
| New York Community Bank | 15 Market Street Kenilworth, NJ 7033 | Full Service B&M | $97,407 |
| New York Community Bank | 150 Green Street Woodbridge, NJ 7095 | Full Service B&M | $27,412 |
| New York Community Bank | 15001 Snow Road Brook Park, OH 44142 | Full Service B&M | $74,610 |
| New York Community Bank | 1501 Deer Park Avenue North Babylon, NY 11703 | Full Service B&M | $155,576 |
| New York Community Bank | 151 Eagle Rock Avenue Roseland, NJ 7068 | Full Service B&M | $390,302 |
| New York Community Bank | 1536a South Federal Highway Delray Beach, FL 33483 | Full Service B&M | $70,377 |
| New York Community Bank | 1545 South Power Road Mesa, AZ 85206 | Full Service B&M | $80,334 |
| New York Community Bank | 155 Central Ave East Newark, NJ 7029 | Full Service B&M | $51,480 |
| New York Community Bank | 155-15 Aguilar Avenue Flushing, NY 11367 | Full Service Retail | $8,697 |
| New York Community Bank | 156-02 Cross Bay Boulevard Howard Beach, NY 11414 | Full Service B&M | $321,324 |
| New York Community Bank | 156-10 Northern Boulevard Flushing, NY 11354 | Full Service B&M | $68,931 |
| New York Community Bank | 15639 Cross-Bay Boulevard Howard Beach, NY 11414 | Limited, Drive-thru | $0 |
| New York Community Bank | 15870 Pines Blvd Pembroke Pines, FL 33027 | Full Service B&M | $72,868 |
| New York Community Bank | 160 South Main Street Freeport, NY 11520 | Full Service B&M | $23,895 |
| New York Community Bank | 1601 Veterans Hwy Islandia, NY 11749 | Full Service B&M | $39,538 |
| New York Community Bank | 1608 Kings Highway Brooklyn, NY 11229 | Full Service B&M | $21,764 |
| New York Community Bank | 167 Shore Road Port Washington, NY 11050 | Full Service B&M | $36,674 |
| New York Community Bank | 168-170 Main Street Matawan, NJ 7747 | Full Service B&M | $27,395 |
| New York Community Bank | 171-173 Broadway Bayonne, NJ 7002 | Full Service B&M | $86,574 |
| New York Community Bank | 1727 Route 130 North Brunswick, NJ 8902 | Full Service B&M | $25,996 |
| New York Community Bank | 1759 Central Park Avenue Yonkers, NY 10710 | Full Service B&M | $75,234 |
| New York Community Bank | 1785 Victory Boulevard Staten Island, NY 10314 | Full Service B&M | $98,377 |
| New York Community Bank | 1801 East Ninth Street Cleveland, OH 44114 | Full Service B&M | $41,438 |
| New York Community Bank | 1833 Hylan Boulevard Staten Island, NY 10305 | Full Service B&M | $156,834 |
| New York Community Bank | 1835 Brittain Road Akron, OH 44310 | Full Service B&M | $93,353 |
| New York Community Bank | 1866 West 25th Street Cleveland, OH 44113 | Full Service B&M | $26,931 |
| New York Community Bank | 1887 Morris Ave Union, NJ 7083 | Full Service B&M | $9,819 |
| New York Community Bank | 1900 Hempstead Turnpike East Meadow, NY 11554 | Full Service B&M | $122,326 |
| New York Community Bank | 1905 Sunrise Highway Bay Shore, NY 11706 | Full Service Retail | $20,715 |
| New York Community Bank | 194-02 Northern Blvd Flushing, NY 11358 | Full Service B&M | $51,030 |
| New York Community Bank | 196-21 Northern Boulevard Flushing, NY 11358 | Full Service B&M | $112,734 |
| New York Community Bank | 198 Jefferson Street Newark, NJ 7105 | Full Service B&M | $77,226 |
| New York Community Bank | 2 Muttontown Eastwoods Road Syosset, NY 11791 | Full Service B&M | $92,410 |
| New York Community Bank | 20133 Farnsleigh Road Shaker Heights, OH 44122 | Full Service B&M | $64,553 |
| New York Community Bank | 20423 State Road 7 Boca Raton, FL 33498 | Full Service B&M | $168,574 |
| New York Community Bank | 2066 Lee Road Cleveland Heights, OH 44118 | Full Service B&M | $57,780 |
| New York Community Bank | 2111 Merrick Avenue Merrick, NY 11566 | Full Service B&M | $86,478 |
| New York Community Bank | 2136 Bartow Avenue Bronx, NY 10475 | Full Service Retail | $12,770 |
| New York Community Bank | 2200 East Camelback Road Phoenix, AZ 85016 | Full Service B&M | $115,967 |
| New York Community Bank | 2225 Jericho Turnpike Commack, NY 11725 | Full Service B&M | $74,689 |
| New York Community Bank | 22255 Center Ridge Rd Rocky River, OH 44116 | Full Service B&M | $85,302 |
| New York Community Bank | 22404 Union Tpke Bayside, NY 11364 | Full Service B&M | $134,159 |
| New York Community Bank | 225 North Wood Avenue Linden, NJ 7036 | Full Service B&M | $12,606 |
| New York Community Bank | 2267 Bellmore Avenue Bellmore, NY 11710 | Full Service B&M | $35,512 |
| New York Community Bank | 23 Little Falls Road Fairfield, NJ 7004 | Full Service B&M | $39,529 |
| New York Community Bank | 23050 Via Villagio Estero, FL 33928 | Full Service B&M | $42,053 |
| New York Community Bank | 2315 Vanderbilt Beach Rd Naples, FL 34109 | Full Service B&M | $82,654 |
| New York Community Bank | 2320 Central Park Ave Yonkers, NY 10710 | Full Service B&M | $72,173 |
| New York Community Bank | 2335 New Hyde Park Rd. New Hyde Park, NY 11040 | Full Service Retail | $36,437 |
| New York Community Bank | 2424 Hylan Boulevard Staten Island, NY 10306 | Full Service Retail | $10,560 |
| New York Community Bank | 244-19 Braddock Ave Bellerose, NY 11426 | Full Service B&M | $100,451 |
| New York Community Bank | 247-53 Jamaica Avenue Bellerose, NY 11426 | Full Service B&M | $66,415 |
| New York Community Bank | 25131 Northern Blvd Little Neck, NY 11362 | Full Service B&M | $206,729 |
| New York Community Bank | 254-09 Horace Harding Expressway Little Neck, NY 11362 | Full Service B&M | $144,854 |
| New York Community Bank | 2555 Richmond Avenue Staten Island, NY 10314 | Full Service B&M | $313,587 |
| New York Community Bank | 2595 Hylan Boulevard Staten Island, NY 10306 | Full Service B&M | $210,249 |
| New York Community Bank | 2624 Morris Avenue Union, NJ 7083 | Full Service B&M | $34,120 |
| New York Community Bank | 2625 S. State Rd. 7 Wellington, FL 33414 | Full Service B&M | $77,541 |
| New York Community Bank | 26300 Cedar Rd Beachwood, OH 44122 | Full Service B&M | $76,926 |
| New York Community Bank | 2641 Merrick Road Bellmore, NY 11710 | Full Service B&M | $267,849 |
| New York Community Bank | 265 Bloomfield Avenue Caldwell, NJ 7006 | Full Service B&M | $67,538 |
| New York Community Bank | 265 North Broadway Hicksville, NY 11801 | Full Service B&M | $60,496 |
| New York Community Bank | 2701 Ponce De Leon Coral Gables, FL 33134 | Full Service B&M | $142,130 |
| New York Community Bank | 27800 Chagrin Blvd Beachwood, OH 44122 | Full Service B&M | $114,916 |
| New York Community Bank | 2783 State Road Cuyahoga Falls, OH 44223 | Full Service B&M | $117,499 |
| New York Community Bank | 2785 West State Route 89a Sedona, AZ 86336 | Full Service B&M | $59,130 |
| New York Community Bank | 282 Port Richmond Avenue Staten Island, NY 10302 | Full Service B&M | $51,164 |
| New York Community Bank | 2875 Veterans Road West Staten Island, NY 10307 | Full Service B&M | $104,645 |
| New York Community Bank | 8810 Mentor Avenue Mentor, OH 44060 | Full Service B&M | $127,985 |
| New York Community Bank | 29-10 Ditmars Boulevard Astoria, NY 11105 | Full Service B&M | $134,965 |
| New York Community Bank | 29169 Euclid Avenue Wickliffe, OH 44092 | Full Service B&M | $86,637 |
| New York Community Bank | 2925 Avenue U Brooklyn, NY 11229 | Full Service B&M | $350,645 |
| New York Community Bank | 2975 West Ray Road Chandler, AZ 85224 | Full Service B&M | $45,443 |
| New York Community Bank | 29950 Lakeshore Boulevard Willowick, OH 44095 | Full Service B&M | $98,105 |
| New York Community Bank | 3001 University Drive Coral Springs, FL 33065 | Full Service B&M | $258,208 |
| New York Community Bank | 30210 Detroit Road Westlake, OH 44145 | Full Service B&M | $72,958 |
| New York Community Bank | 3027 Dollar Mark Way Prescott, AZ 86305 | Full Service B&M | $132,153 |
| New York Community Bank | 3050 W Market St Fairlawn, OH 44313 | Full Service B&M | $137,990 |
| New York Community Bank | 31-42 Steinway Street Astoria, NY 11103 | Full Service B&M | $58,774 |
| New York Community Bank | 310 North Avenue East Cranford, NJ 7016 | Full Service B&M | $83,167 |
| New York Community Bank | 3106 Farrington St Flushing, NY 11354 | Full Service Retail | $20,214 |
| New York Community Bank | 3501 Amboy Road Staten Island, NY 10308 | Full Service Retail | $27,297 |
| New York Community Bank | 36 Ferry Street Newark, NJ 7105 | Full Service B&M | $95,350 |
| New York Community Bank | 36 Pacific Street Newark, NJ 7105 | Full Service B&M | $65,085 |
| New York Community Bank | 36-10 Broadway Astoria, NY 11106 | Full Service B&M | $86,545 |
| New York Community Bank | 3600 West Hillsboro Blvd Deerfield Beach, FL 33442 | Full Service B&M | $183,756 |
| New York Community Bank | 3665 Route 9 North Old Bridge, NJ 8857 | Full Service B&M | $53,468 |
| New York Community Bank | 3681-83 East Tremont Avenue Bronx, NY 10465 | Full Service B&M | $99,504 |
| New York Community Bank | 37 Wilson Ave Newark, NJ 7105 | Full Service B&M | $138,504 |
| New York Community Bank | 37-97 103rd Street Corona, NY 11368 | Full Service B&M | $92,686 |
| New York Community Bank | 3700 North Ocean Blvd. Fort Lauderdale, FL 33308 | Full Service B&M | $148,609 |
| New York Community Bank | 3879 Amboy Road Staten Island, NY 10308 | Full Service B&M | $208,601 |
| New York Community Bank | 3901 Hempstead Turnpike Bethpage, NY 11714 | Full Service Retail | $22,937 |
| New York Community Bank | 400 Main Street Spotswood, NJ 8884 | Full Service B&M | $31,007 |
| New York Community Bank | 4025 E. Chandler Blvd Phoenix, AZ 85048 | Full Service B&M | $39,107 |
| New York Community Bank | 404 Park Avenue South New York, NY 10022 | Full Service B&M | $108,885 |
| New York Community Bank | 41 Station Drive Wyandanch, NY 11798 | Full Service B&M | $40,051 |
| New York Community Bank | 41-11 Bell Boulevard Bayside, NY 11361 | Full Service B&M | $36,544 |
| New York Community Bank | 410 Bergen St Harrison, NJ 7029 | Full Service B&M | $68,158 |
| New York Community Bank | 411 Jericho Turnpike Mineola, NY 11501 | Full Service B&M | $84,044 |
| New York Community Bank | 4246 Broadway New York, NY 10033 | Full Service B&M | $12,733 |
| New York Community Bank | 441 Broadway Bayonne, NJ 7002 | Full Service B&M | $58,633 |
| New York Community Bank | 4419 13th Avenue Brooklyn, NY 11219 | Full Service B&M | $153,002 |
| New York Community Bank | 447 Arthur Godfrey Road Miami Beach, FL 33140 | Full Service B&M | $50,114 |
| New York Community Bank | 4523 Amboy Rd Staten Island, NY 10312 | Full Service B&M | $211,640 |
| New York Community Bank | 471 County Road 520 Marlboro, NJ 7746 | Full Service B&M | $118,662 |
| New York Community Bank | 473 Route 79 Morganville, NJ 7751 | Full Service B&M | $25,556 |
| New York Community Bank | 4800 Great Northern Boulevard North Olmsted, OH 44070 | Full Service B&M | $98,335 |
| New York Community Bank | 4848 Merrick Road Massapequa Park, NY 11762 | Full Service B&M | $155,953 |
| New York Community Bank | 4979 S. Alma School Road Chandler, AZ 85248 | Full Service B&M | $60,794 |
| New York Community Bank | 50 Hempstead Turnpike West Hempstead, NY 11552 | Full Service B&M | $121,570 |
| New York Community Bank | 509 Old Country Road Plainview, NY 11803 | Full Service B&M | $63,243 |
| New York Community Bank | 51-13 108th Street Corona, NY 11368 | Full Service B&M | $725,224 |
| New York Community Bank | 5149 Route 9 North Howell, NJ 7731 | Full Service B&M | $55,047 |
| New York Community Bank | 5461 Sheridan Street Hollywood, FL 33021 | Full Service B&M | $167,853 |
| New York Community Bank | 5550 Glades Road Boca Raton, FL 33431 | Full Service B&M | $148,631 |
| New York Community Bank | 556-02 North Country Road Saint James, NY 11780 | Full Service B&M | $66,364 |
| New York Community Bank | 5767 Broadview Road Parma, OH 44134 | Full Service B&M | $160,395 |
| New York Community Bank | 5770 Hylan Boulevard Staten Island, NY 10309 | Full Service B&M | $47,536 |
| New York Community Bank | 580 Larkfield Road East Northport, NY 11731 | Full Service B&M | $190,210 |
| New York Community Bank | 597 Valley Road Upper Montclair, NJ 7043 | Full Service B&M | $55,729 |
| New York Community Bank | 60-10 Queens Boulevard Woodside, NY 11377 | Full Service B&M | $36,789 |
| New York Community Bank | 6016 Turney Road Garfield Heights, OH 44125 | Full Service B&M | $81,886 |
| New York Community Bank | 603 Village Boulevard West Palm Beach, FL 33409 | Full Service B&M | $56,457 |
| New York Community Bank | 61-49 188th Street Fresh Meadows, NY 11365 | Full Service B&M | $107,220 |
| New York Community Bank | 615 Merrick Ave. Westbury, NY 11590 | Limited, Drive-thru | $12,275,952 |
| New York Community Bank | 6199 Sunrise Highway Massapequa, NY 11758 | Full Service B&M | $51,895 |
| New York Community Bank | 620 Bloomfield Avenue Verona, NJ 7044 | Full Service B&M | $63,699 |
| New York Community Bank | 622 Eagle Rock Avenue West Orange, NJ 7052 | Full Service B&M | $39,482 |
| New York Community Bank | 625 Atlantic Avenue Brooklyn, NY 11217 | Full Service Retail | $26,617 |
| New York Community Bank | 6290 Pearl Rd Parma Heights, OH 44130 | Full Service B&M | $121,744 |
| New York Community Bank | 6404 Lake Worth Road Lake Worth, FL 33463 | Full Service B&M | $96,586 |
| New York Community Bank | 645-100 Rossville Avenue Staten Island, NY 10309 | Full Service B&M | $226,703 |
| New York Community Bank | 65-30 Kissena Boulevard, 65-30 Kissena Blvd. Flushing, NY 11355 | Full Service B&M | $5,358 |
| New York Community Bank | 6500 Mayfield Rd Mayfield Heights, OH 44124 | Full Service B&M | $99,386 |
| New York Community Bank | 6520 Royalton Road North Royalton, OH 44133 | Full Service B&M | $98,548 |
| New York Community Bank | 6528 Hypoluxo Road Lake Worth, FL 33467 | Full Service B&M | $78,028 |
| New York Community Bank | 653 Montauk Highway West Babylon, NY 11704 | Full Service B&M | $78,908 |
| New York Community Bank | 6677 Fresh Pond Road Ridgewood, NY 11385 | Full Service B&M | $30,947 |
| New York Community Bank | 688 Route 70 Brick, NJ 8723 | Full Service Retail | $52,105 |
| New York Community Bank | 6900 East Camelback Road Scottsdale, AZ 85251 | Full Service B&M | $74,056 |
| New York Community Bank | 693 East Jericho Turnpike Huntington Station, NY 11746 | Full Service B&M | $119,082 |
| New York Community Bank | 7000 State Route 179 Sedona, AZ 86351 | Full Service B&M | $59,010 |
| New York Community Bank | 715 Elizabeth Avenue Elizabeth, NJ 7201 | Full Service B&M | $29,593 |
| New York Community Bank | 719 Smithtown Bypass Smithtown, NY 11787 | Full Service B&M | $103,588 |
| New York Community Bank | 720 Grand Boulevard Deer Park, NY 11729 | Full Service B&M | $10,805 |
| New York Community Bank | 720 Richmond Rd Richmond Heights, OH 44143 | Full Service B&M | $92,778 |
| New York Community Bank | 7499 West Atlantic Avenue Delray Beach, FL 33446 | Full Service B&M | $313,543 |
| New York Community Bank | 75 North Central Avenue Valley Stream, NY 11580 | Full Service B&M | $56,364 |
| New York Community Bank | 75-44 Main Street Flushing, NY 11367 | Full Service B&M | $151,757 |
| New York Community Bank | 76-02 Northern Boulevard Jackson Heights, NY 11372 | Full Service B&M | $113,395 |
| New York Community Bank | 761 Route 33 West East Windsor, NJ 8520 | Full Service B&M | $57,680 |
| New York Community Bank | 77 Main St Sayreville, NJ 8872 | Full Service B&M | $85,926 |
| New York Community Bank | 77 Main Street Farmingdale, NJ 7727 | Full Service B&M | $83,648 |
| New York Community Bank | 7709 13th Avenue Brooklyn, NY 11228 | Full Service B&M | $35,853 |
| New York Community Bank | 780 Palisade Avenue Yonkers, NY 10703 | Full Service B&M | $59,641 |
| New York Community Bank | 3140 Long Beach Road Oceanside, NY 11572 | Full Service B&M | $121,397 |
| New York Community Bank | 323 Orange Road Montclair, NJ 7042 | Full Service B&M | $26,143 |
| New York Community Bank | 33-12 30th Avenue Astoria, NY 11103 | Full Service B&M | $130,153 |
| New York Community Bank | 3300 Warren Road Cleveland, OH 44111 | Full Service B&M | $78,989 |
| New York Community Bank | 333 Central Avenue Lawrence, NY 11559 | Full Service B&M | $99,134 |
| New York Community Bank | 335 Nesconset Highway Hauppauge, NY 11788 | Full Service Retail | $29,842 |
| New York Community Bank | 336 N. Broadway Jericho, NY 11753 | Full Service Retail | $30,304 |
| New York Community Bank | 340 U.S. Highway 9 South Bayville, NJ 8721 | Full Service B&M | $65,218 |
| New York Community Bank | 3425 Veterans Memorial Highway Ronkonkoma, NY 11779 | Full Service B&M | $39,920 |
| New York Community Bank | 34400 Aurora Road Solon, OH 44139 | Full Service B&M | $100,312 |
| New York Community Bank | 350 Motor Parkway Hauppauge, NY 11788 | Full Service B&M | $4,607 |
| New York Community Bank | 8081 Jericho Turnpike Woodbury, NY 11797 | Full Service B&M | $138,728 |
| New York Community Bank | 8110-8112 5th Avenue Brooklyn, NY 11209 | Full Service B&M | $22,650 |
| New York Community Bank | 82-10 153rd Ave Howard Beach, NY 11414 | Full Service B&M | $153,195 |
| New York Community Bank | 820 Annadale Road Staten Island, NY 10312 | Full Service B&M | $161,634 |
| New York Community Bank | 8210 Macedonia Commons Boulevard Macedonia, OH 44056 | Full Service B&M | $98,027 |
| New York Community Bank | 8211 West Broward Boulevard Plantation, FL 33324 | Full Service B&M | $176,299 |
| New York Community Bank | 832 Jewett Avenue Staten Island, NY 10314 | Full Service B&M | $125,639 |
| New York Community Bank | 8622 Bay Parkway Brooklyn, NY 11214 | Full Service B&M | $7,513 |
| New York Community Bank | 874 Sw St. Lucie West Boulevard Port Saint Lucie, FL 34986 | Full Service B&M | $67,944 |
| New York Community Bank | 8764 East Shea Blvd Scottsdale, AZ 85260 | Full Service B&M | $108,063 |
| New York Community Bank | 8772 Boynton Beach Blvd Boynton Beach, FL 33472 | Full Service B&M | $135,205 |
| New York Community Bank | 900 Merchants Concourse Westbury, NY 11590 | Limited, Drive-thru | $15,552 |
| New York Community Bank | 9100 West Oakland Park Boulevard Sunrise, FL 33351 | Full Service B&M | $135,820 |
| New York Community Bank | 916 Fischer Boulevard Toms River, NJ 8753 | Full Service B&M | $53,657 |
| New York Community Bank | 92-10 Atlantic Ave Ozone Park, NY 11416 | Full Service Retail | $103,478 |
| New York Community Bank | 93-22 Jamaica Ave Woodhaven, NY 11421 | Full Service B&M | $151,342 |
| New York Community Bank | 936 Third Avenue New York, NY 10022 | Full Service B&M | $127,493 |
| New York Community Bank | 949 Broadway Bayonne, NJ 7002 | Full Service B&M | $29,193 |
| New York Community Bank | 950 Montauk Highway Shirley, NY 11967 | Full Service B&M | $23,811 |
| New York Community Bank | 9592 Harding Avenue Surfside, FL 33154 | Full Service B&M | $133,081 |
| New York Community Bank | 97-77 Queens Blvd. Rego Park, NY 11374 | Full Service B&M | $16,699 |
| New York Community Bank | 9747 Nw 41st Street Doral, FL 33178 | Full Service B&M | $76,332 |
| New York Community Bank | 98-16 101st Avenue Ozone Park, NY 11416 | Full Service B&M | $165,873 |
| New York Community Bank | One Manor House Square Yonkers, NY 10701 | Full Service B&M | $19,735 |
| New York Community Bank | One North Hawkins Avenue Akron, OH 44313 | Full Service B&M | $63,974 |
| New York Community Bank | 110-01 Merrick Road Amityville, NY 11701 | Limited, Drive-thru | $0 |
| New York Community Bank | 1100 Hylan Blvd Staten Island, NY 10305 | Full Service B&M | $143,452 |
| New York Community Bank | 111-01 Merrick Road Amityville, NY 11701 | Full Service B&M | $147,397 |
| New York Community Bank | 111-10 Flatlands Avenue Brooklyn, NY 11207 | Full Service Retail | $10,782 |
| New York Community Bank | 1114 Jericho Turnpike New Hyde Park, NY 11040 | Full Service B&M | $132,681 |
| New York Community Bank | 11375 Legacy Ave Palm Beach Gardens, FL 33410 | Full Service B&M | $72,752 |
| New York Community Bank | 1144 Weston Road Weston, FL 33326 | Full Service B&M | $66,757 |
| New York Community Bank | 1162 Green Street Iselin, NJ 8830 | Full Service B&M | $38,352 |
| New York Community Bank | 1214 Castleton Avenue Staten Island, NY 10310 | Full Service B&M | $57,491 |
| New York Community Bank | 1268 Broadway Brooklyn, NY 11221 | Full Service B&M | $68,905 |
| New York Community Bank | 80-35 Jamaica Avenue Woodhaven, NY 11421 | Full Service B&M | $91,628 |
| New York Community Bank | 8010 Fifth Avenue Brooklyn, NY 11209 | Full Service B&M | $116,775 |
For 2021, New York Community Bank had 237 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,689,851 |
| Net interest income | $1,325,621 |
| Total noninterest income | $60,147 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $10,743 |
| Trading account gains and fees | $199 |
| Additional Noninterest Income | $49,205 |
| Pre-tax net operating income | $855,653 |
| Securities gains (or losses, -) | $-289 |
| Income before extraordinary items | $631,102 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $631,102 |
| Minority interest net income | $0 |
| Net income | $631,102 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $631,330 |
New York Community Bank's gross interest income from loans was $1,689,851,000.
New York Community Bank's net interest income from loans was $1,325,621,000.
New York Community Bank's fee based income from loans was $10,743,000.
New York Community Bank's net income from loans was $631,102,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $364,230 |
| Provision for credit losses | $3,389 |
| Total noninterest expense | $526,726 |
| Salaries and employee benefits | $294,555 |
| Premises and equipment expense | $87,540 |
| Additional noninterest expense | $144,631 |
| Applicable income taxes | $224,262 |
| Net charge-offs | $-1,650 |
| Cash dividends | $380,000 |
New York Community Bank's interest expense for loans was $364,230,000.
New York Community Bank's payroll and benefits expense were $294,555,000.
New York Community Bank's property, plant and equipment expenses $87,540,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $35,198,444 |
| Deposits held in domestic offices | $35,198,444 |
| Deposits by Individuals, partnerships, and corporations | $33,947,833 |
| Deposits by U.S. Government | $65 |
| Deposits by States and political subdivisions in the U.S. | $750,940 |
| Deposits by Commercial banks and other depository institutions in U.S. | $160,141 |
| Deposits by Banks in foreign countries | $71 |
| Deposits by Foreign governments and official institutions | $339,394 |
| Transaction accounts | $11,533,497 |
| Demand deposits | $11,533,497 |
| Nontransaction accounts | $23,664,947 |
| Money market deposit accounts (MMDAs) | $5,998,024 |
| Other savings deposits (excluding MMDAs) | $6,347,238 |
| Total time deposits | $11,319,685 |
| Total time and savings deposits | $23,664,947 |
| Noninterest-bearing deposits | $4,534,097 |
| Interest-bearing deposits | $30,664,347 |
| Retail deposits | $25,798,462 |
| IRAs and Keogh plan accounts | $852,973 |
| Brokered deposits | $5,690,172 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $59,482,686 |
| Cash & Balances due from depository institutions | $1,804,923 |
| Interest-bearing balances | $1,655,488 |
| Total securities | $5,795,593 |
| Federal funds sold & reverse repurchase | $406,101 |
| Net loans and leases | $45,539,300 |
| Loan and leases loss allowance | $199,204 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $518,974 |
| Other real estate owned | $3,248 |
| Goodwill and other intangibles | $2,419,553 |
| All other assets | $2,994,994 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $59,482,686 |
| Total Liabilities | $51,957,761 |
| Total deposits | $35,198,444 |
| Interest-bearing deposits | $30,664,347 |
| Deposits held in domestic offices | $35,198,444 |
| % insured (estimated) | $72 |
| Federal funds purchased and repurchase agreements | $800,000 |
| Trading liabilities | $0 |
| Other borrowed funds | $15,108,445 |
| Subordinated debt | $0 |
| All other liabilities | $850,872 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $45,539,300 |
| Loan and leases loss allowance | $199,204 |
| Total loans and leases (domestic) | $45,738,504 |
| All real estate loans | $41,697,952 |
| Real estate loans in domestic offices | $41,697,952 |
| Construction and development loans | $208,920 |
| Residential 1-4 family construction | $4,080 |
| Other construction, all land development and other land | $204,840 |
| Loans secured by nonfarm nonresidential properties | $6,700,807 |
| Nonfarm nonresidential secured by owner-occupied properties | $383,968 |
| Commercial real estate & other non-farm, non-residential | $6,316,839 |
| Multifamily residential real estate | $34,627,776 |
| 1-4 family residential loans | $160,449 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $2,042,838 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,774 |
| Credit card loans | $0 |
| Related Plans | $1,158 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $616 |
| All other loans & leases | $1,995,940 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $200,401 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $143,840 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $16,264 |
| Non 1-4 family restructured loans & leases | $16,264 |
| Total loans and leases (foreign) | $0 |
New York Community Bank had $45,539,300,000 of loans outstanding in 2021. $41,697,952,000 of loans were in real estate loans. $208,920,000 of loans were in development loans. $34,627,776,000 of loans were in multifamily mortgage loans. $160,449,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 206 | $89,556 | $434,738 |
| Nonfarm, nonresidential loans - <$100k | 4 | $159 | $39,750 |
| Nonfarm, nonresidential loans - $100-250k | 31 | $3,221 | $103,903 |
| Nonfarm, nonresidential loans - $250k-1MM | 171 | $86,176 | $503,953 |
| Commercial & Industrial, US addressed loans - <$1MM | 738 | $96,112 | $130,233 |
| Commercial & Industrial, US addressed loans - <$100k | 411 | $10,710 | $26,058 |
| Commercial & Industrial, US addressed loans - $100-250k | 127 | $17,046 | $134,220 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 200 | $68,356 | $341,780 |