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  "documentTitle": "New York Community Bancorp | Results Presentation Deck | 32 slides",
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  "notes": "Includes a dual-axis line chart for housing supply, a choropleth map for footprint, and a stacked bar chart for loan commitments.",
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      "text": "Home builder loan commitments ($mm)",
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      "text": "1. Includes loans classified as commercial real estate and commercial & industrial.",
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      "text": "Flagstar is well positioned. Focused on markets with strong housing fundamentals and higher growth potential. We do business with approximately 70 of the top 100 builders nationwide.",
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      "text": "National relationship-based lending platform launched in 1Q16. Attractive asset class with good spreads (~375 bps). Meaningful cross-sell opportunities including warehouse loans, commercial deposits and purchase originations.",
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