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  "documentTitle": "New York Community Bancorp | Results Presentation Deck | 31 slides",
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  "presentationDate": "2023-07-01 00:00:00",
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      "text": "Home builder loan commitments ($mm): Unpaid principal balance vs Unused (12/31/2022, 03/31/23, 06/30/23)",
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      "text": "Overview: National relationship-based lending platform launched in 1Q16. Attractive asset class with good spreads (~375 bps). Meaningful cross-sell opportunities. Flagstar is well positioned: Focused on markets with strong housing fundamentals. We do business with approximately 70 percent of the top 100 builders nationwide.",
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