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                    <ccc>XXXXXXXX</ccc>
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            <liveTestFlag>LIVE</liveTestFlag>



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    <formData>
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            <issuerCik>0000910073</issuerCik>
            <issuerName>NEW YORK COMMUNITY BANCORP INC.</issuerName>
            <secFileNumber>001-31565</secFileNumber>
            <issuerAddress>
                <ns2:street1>102 DUFFY AVENUE</ns2:street1>
                <ns2:city>HICKSVILLE</ns2:city>
                <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                <ns2:zipCode>11801</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>5166834100</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>JAMES J CARPENTER &amp; NANCY CARPENTER</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>former director</relationshipToIssuer>
            </relationshipsToIssuer>
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        <securitiesInformation>
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            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
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            <noOfUnitsOutstanding>820716107</noOfUnitsOutstanding>
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            <securitiesExchangeName>NYSE</securitiesExchangeName>
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            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
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            <amountOfSecuritiesAcquired>8400</amountOfSecuritiesAcquired>
            <paymentDate>03/31/2012</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
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        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/31/2013</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8400</amountOfSecuritiesAcquired>
            <paymentDate>03/31/2013</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/28/2012</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10000</amountOfSecuritiesAcquired>
            <paymentDate>04/28/2012</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/18/2019</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>11056</amountOfSecuritiesAcquired>
            <paymentDate>03/18/2019</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/26/2019</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>3724</amountOfSecuritiesAcquired>
            <paymentDate>03/26/2019</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/16/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>13862</amountOfSecuritiesAcquired>
            <paymentDate>03/16/2020</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/02/2009</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>15000</amountOfSecuritiesAcquired>
            <paymentDate>04/02/2009</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/25/2012</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8000</amountOfSecuritiesAcquired>
            <paymentDate>03/25/2012</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/04/2012</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7000</amountOfSecuritiesAcquired>
            <paymentDate>04/04/2012</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/04/2009</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7000</amountOfSecuritiesAcquired>
            <paymentDate>04/04/2009</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/13/2013</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>12115</amountOfSecuritiesAcquired>
            <paymentDate>03/13/2013</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/25/2013</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8000</amountOfSecuritiesAcquired>
            <paymentDate>03/25/2013</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/04/2013</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7000</amountOfSecuritiesAcquired>
            <paymentDate>04/04/2013</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/28/2013</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10000</amountOfSecuritiesAcquired>
            <paymentDate>04/28/2013</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/19/2019</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>11926</amountOfSecuritiesAcquired>
            <paymentDate>03/19/2019</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/16/2019</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7073</amountOfSecuritiesAcquired>
            <paymentDate>03/16/2019</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/29/2019</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7117</amountOfSecuritiesAcquired>
            <paymentDate>03/29/2019</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/19/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>11926</amountOfSecuritiesAcquired>
            <paymentDate>03/19/2020</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/26/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7299</amountOfSecuritiesAcquired>
            <paymentDate>03/26/2020</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/29/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>13947</amountOfSecuritiesAcquired>
            <paymentDate>03/29/2020</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/29/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>5655</amountOfSecuritiesAcquired>
            <paymentDate>04/29/2020</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/16/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>13862</amountOfSecuritiesAcquired>
            <paymentDate>03/16/2021</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/26/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7299</amountOfSecuritiesAcquired>
            <paymentDate>03/26/2021</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/29/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>13947</amountOfSecuritiesAcquired>
            <paymentDate>03/29/2021</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/29/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>5655</amountOfSecuritiesAcquired>
            <paymentDate>04/29/2021</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/22/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>38174</amountOfSecuritiesAcquired>
            <paymentDate>03/22/2022</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/26/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7299</amountOfSecuritiesAcquired>
            <paymentDate>03/26/2022</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>03/29/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>13946</amountOfSecuritiesAcquired>
            <paymentDate>03/29/2022</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
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        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/29/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
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            <paymentDate>04/29/2022</paymentDate>
            <natureOfPayment>Services Rendered</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>05/16/2024</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ James J Carpenter</signature>
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144
0001316829
XXXXXXXX
LIVE
0000910073
NEW YORK COMMUNITY BANCORP INC.
001-31565
102 DUFFY AVENUE
HICKSVILLE
NY
11801
5166834100
JAMES J CARPENTER & NANCY CARPENTER
former director
Common
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
8th Floor
New York
NY
10004
300337
1108393.70
820716107
05/16/2024
NYSE
Common
03/31/2012
Restricted stock vesting under a registered plan
Issuer
N
8400
03/31/2012
Services Rendered
Common
03/31/2013
Restricted stock vesting under a registered plan
Issuer
N
8400
03/31/2013
Services Rendered
Common
04/28/2012
Restricted stock vesting under a registered plan
Issuer
N
10000
04/28/2012
Services Rendered
Common
03/18/2019
Restricted stock vesting under a registered plan
Issuer
N
11056
03/18/2019
Services Rendered
Common
03/26/2019
Restricted stock vesting under a registered plan
Issuer
N
3724
03/26/2019
Services Rendered
Common
03/16/2020
Restricted stock vesting under a registered plan
Issuer
N
13862
03/16/2020
Services Rendered
Common
04/02/2009
Restricted stock vesting under a registered plan
Issuer
N
15000
04/02/2009
Services Rendered
Common
03/25/2012
Restricted stock vesting under a registered plan
Issuer
N
8000
03/25/2012
Services Rendered
Common
04/04/2012
Restricted stock vesting under a registered plan
Issuer
N
7000
04/04/2012
Services Rendered
Common
04/04/2009
Restricted stock vesting under a registered plan
Issuer
N
7000
04/04/2009
Services Rendered
Common
03/13/2013
Restricted stock vesting under a registered plan
Issuer
N
12115
03/13/2013
Services Rendered
Common
03/25/2013
Restricted stock vesting under a registered plan
Issuer
N
8000
03/25/2013
Services Rendered
Common
04/04/2013
Restricted stock vesting under a registered plan
Issuer
N
7000
04/04/2013
Services Rendered
Common
04/28/2013
Restricted stock vesting under a registered plan
Issuer
N
10000
04/28/2013
Services Rendered
Common
03/19/2019
Restricted stock vesting under a registered plan
Issuer
N
11926
03/19/2019
Services Rendered
Common
03/16/2019
Restricted stock vesting under a registered plan
Issuer
N
7073
03/16/2019
Services Rendered
Common
03/29/2019
Restricted stock vesting under a registered plan
Issuer
N
7117
03/29/2019
Services Rendered
Common
03/19/2020
Restricted stock vesting under a registered plan
Issuer
N
11926
03/19/2020
Services Rendered
Common
03/26/2020
Restricted stock vesting under a registered plan
Issuer
N
7299
03/26/2020
Services Rendered
Common
03/29/2020
Restricted stock vesting under a registered plan
Issuer
N
13947
03/29/2020
Services Rendered
Common
04/29/2020
Restricted stock vesting under a registered plan
Issuer
N
5655
04/29/2020
Services Rendered
Common
03/16/2021
Restricted stock vesting under a registered plan
Issuer
N
13862
03/16/2021
Services Rendered
Common
03/26/2021
Restricted stock vesting under a registered plan
Issuer
N
7299
03/26/2021
Services Rendered
Common
03/29/2021
Restricted stock vesting under a registered plan
Issuer
N
13947
03/29/2021
Services Rendered
Common
04/29/2021
Restricted stock vesting under a registered plan
Issuer
N
5655
04/29/2021
Services Rendered
Common
03/22/2022
Restricted stock vesting under a registered plan
Issuer
N
38174
03/22/2022
Services Rendered
Common
03/26/2022
Restricted stock vesting under a registered plan
Issuer
N
7299
03/26/2022
Services Rendered
Common
03/29/2022
Restricted stock vesting under a registered plan
Issuer
N
13946
03/29/2022
Services Rendered
Common
04/29/2022
Restricted stock vesting under a registered plan
Issuer
N
5655
04/29/2022
Services Rendered
Y
05/16/2024
/s/ James J Carpenter