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  "documentTitle": "New York Community Bancorp | Results Presentation Deck | 26 slides",
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  "presentationDate": "2022-11-01 00:00:00",
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      "text": "We lend on current, in-place cash flows and not on future or projected cash flows.",
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      "text": "We have $13.0 billion of NYS multi-family loans with rent-regulated units greater than 50% of total units.",
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      "text": "$19.5 billion or 52% of the MF portfolio is subject to NYS rent regulations; WALTV (1) on this portion of the MF portfolio is 57.05%, 358 basis points below the overall MF portfolio.",
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      "text": "Multi-Family Vacancy Rate (Residential Units) As of 09/30/2022: 3.11%",
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      "text": "(1) Weighted Average LTV",
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      "text": "Our Multi-Family Portfolio is Well Insulated Against Recent Changes in the Rent Regulation Laws",
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