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  <xs:element id="fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" abstract="false" name="SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EquityInstrumentFDICAppreciationIssued" abstract="false" name="EquityInstrumentFDICAppreciationIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" abstract="false" name="FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_ScheduleOfTradingAndAvailableForSaleSecuritiesTableTextBlock" abstract="false" name="ScheduleOfTradingAndAvailableForSaleSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_DirectFinancingLeaseNetInvestmentInLeasePaymentsTableTextBlock" abstract="false" name="DirectFinancingLeaseNetInvestmentInLeasePaymentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" abstract="false" name="ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_ScheduleOfChangesInFairValueIncludedInEarningsTableTextBlock" abstract="false" name="ScheduleOfChangesInFairValueIncludedInEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_NumberOfLocations" abstract="false" name="NumberOfLocations" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_NumberOfStatesInWhichOfficesAreLocated" abstract="false" name="NumberOfStatesInWhichOfficesAreLocated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" abstract="true" name="DefinedBenefitPlanFixedIncomeSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivablePaymentPerformancePeriodThreshold" abstract="false" name="FinancingReceivablePaymentPerformancePeriodThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_FurnitureFixturesAndEquipmentMember" abstract="true" name="FurnitureFixturesAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ATMsMember" abstract="true" name="ATMsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_SignatureBridgeBankMember" abstract="true" name="SignatureBridgeBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FDICMember" abstract="true" name="FDICMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetBeforeFairValueAdjustments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetBeforeFairValueAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_CommercialAndIndustrialLoansMember" abstract="true" name="CommercialAndIndustrialLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentPurchasePriceConsideration" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentPurchasePriceConsideration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForInvestment" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCoreDepositAndOtherIntangibleAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCoreDepositAndOtherIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFairValueOfNetAssetsAndLiabilitiesNet" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFairValueOfNetAssetsAndLiabilitiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" abstract="true" name="MortgageBackedSecuritiesAndOtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PrivateLabelCMOsMember" abstract="true" name="PrivateLabelCMOsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_MortgageLoansHeldForInvestmentMember" abstract="true" name="MortgageLoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_OtherLoansHeldForInvestmentMember" abstract="true" name="OtherLoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_MultiFamilyLoanMember" abstract="true" name="MultiFamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_CommercialRealEstateLoansMember" abstract="true" name="CommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_OneToFourFamilyIncludingInterestRateLocksMember" abstract="true" name="OneToFourFamilyIncludingInterestRateLocksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_OtherLoanCommitmentsMember" abstract="true" name="OtherLoanCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_LeaseFinancingLoansMember" abstract="true" name="LeaseFinancingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OfficersAndDirectorsMember" abstract="true" name="OfficersAndDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableWithGovernmentGuaranty" abstract="false" name="FinancingReceivableWithGovernmentGuaranty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OneToFourFamilyFirstMortgageLoanMember" abstract="true" name="OneToFourFamilyFirstMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" abstract="true" name="CommercialAndIndustrialLoanAndLeaseFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_RealPropertyCollateralMember" abstract="true" name="RealPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_CombinationInterestRateReductionAndTermPaymentExtensionDelayMember" abstract="true" name="CombinationInterestRateReductionAndTermPaymentExtensionDelayMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" abstract="false" name="FinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableWithRelatedAllowanceRecordedInvestment" abstract="false" name="FinancingReceivableWithRelatedAllowanceRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableRecordedInvestment" abstract="false" name="FinancingReceivableRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableRelatedAllowance" abstract="false" name="FinancingReceivableRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableOther" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableOther" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" abstract="true" name="OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_CashFlowLesseeAbstract" abstract="true" name="CashFlowLesseeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_NetLoanAdministrationIncomeMember" abstract="true" name="NetLoanAdministrationIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ServicingAssetAtFairValueNetTransactionCosts" abstract="false" name="ServicingAssetAtFairValueNetTransactionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" abstract="false" name="SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OtherServicingChargesGeneratedByServicingFinancialAssetsAmount" abstract="false" name="OtherServicingChargesGeneratedByServicingFinancialAssetsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SubservicingAssetAtFairValueIncomeAmount" abstract="false" name="SubservicingAssetAtFairValueIncomeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FDICServicedLoansMember" abstract="true" name="FDICServicedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_VariableInterestEntityNumberofEntities" abstract="false" name="VariableInterestEntityNumberofEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_BONUSESUnitsMember" abstract="true" name="BONUSESUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" abstract="true" name="NewYorkCommunityCapitalTrustVBONUSESUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_WarrantOrRightCouponRate" abstract="false" name="WarrantOrRightCouponRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" abstract="false" name="FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_JuniorSubordinatedDebenturesDividendsTerm" abstract="false" name="JuniorSubordinatedDebenturesDividendsTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvanceMaturityYearSeven" abstract="false" name="FederalHomeLoanBankAdvanceMaturityYearSeven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvanceMaturityAverageInterestRateYearSeven" abstract="false" name="FederalHomeLoanBankAdvanceMaturityAverageInterestRateYearSeven" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearSeven" abstract="false" name="FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearSeven" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearSeven" abstract="false" name="FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearSeven" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustXMember" abstract="true" name="NewYorkCommunityCapitalTrustXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_PennFedCapitalTrustIIIMember" abstract="true" name="PennFedCapitalTrustIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustXIMember" abstract="true" name="NewYorkCommunityCapitalTrustXIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIIMember" abstract="true" name="FlagstarStatutoryTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
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  <xs:element id="fbc_DebtSecuritiesAvailableForSaleMember" abstract="true" name="DebtSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_LoansAndLeasesMember" abstract="true" name="LoansAndLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_InterestRateSwapsandSwaptionsMember" abstract="true" name="InterestRateSwapsandSwaptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" abstract="true" name="RateLockCommitmentsAndUSTreasuryFuturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" abstract="true" name="MortgageServicingRightsMSRImpairmentRecoveryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbc_LoansHeldForInvestmentMember" abstract="true" name="LoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_SeriesDPreferredStockWarrantsMember" abstract="true" name="SeriesDPreferredStockWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_PreferredStockDividendPaymentRateVariableRate" abstract="false" name="PreferredStockDividendPaymentRateVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fbc_TemporaryEquitySharesCommonStockIssuableUponConversion" abstract="false" name="TemporaryEquitySharesCommonStockIssuableUponConversion" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="fbc_MultiFamilyAndCommercialRealEstateMember" abstract="true" name="MultiFamilyAndCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbc_DefinedBenefitPlanEquitySmallCapValueMember" abstract="true" name="DefinedBenefitPlanEquitySmallCapValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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</xs:schema>
