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  <xs:element id="fbc_SoftwareExpense" abstract="false" name="SoftwareExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ProfessionalServices" abstract="false" name="ProfessionalServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PaymentForProceedsFromOtherOperatingActivityNet" abstract="false" name="PaymentForProceedsFromOtherOperatingActivityNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" abstract="false" name="ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" abstract="false" name="PaymentsForProceedsFromOtherChangesInFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" abstract="false" name="ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ScheduleOfTradingAndAvailableForSaleSecuritiesTableTextBlock" abstract="false" name="ScheduleOfTradingAndAvailableForSaleSecuritiesTableTextBlock" 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_ScheduleOfIncomeTaxBenefitAndEffectiveTaxRateTableTextBlock" abstract="false" name="ScheduleOfIncomeTaxBenefitAndEffectiveTaxRateTableTextBlock" 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_MortgageBackedSecuritiesAndOtherSecuritiesMember" abstract="true" name="MortgageBackedSecuritiesAndOtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CorporateAndOtherBondsSecuritiesMember" abstract="true" name="CorporateAndOtherBondsSecuritiesMember" 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_CommercialAndIndustrialLoansMember" abstract="true" name="CommercialAndIndustrialLoansMember" 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_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_FinancialAsset90DaysOrMorePastDueAndStillAccruingMember" abstract="true" name="FinancialAsset90DaysOrMorePastDueAndStillAccruingMember" 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"/>
  <xs:element id="fbc_NonAccrualMember" abstract="true" name="NonAccrualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_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_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_VariableInterestEntityNumberOfEntities" abstract="false" name="VariableInterestEntityNumberOfEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvanceMaturityYearSix" abstract="false" name="FederalHomeLoanBankAdvanceMaturityYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvanceMaturityAverageInterestRateRemainderOfFiscalYear" abstract="false" name="FederalHomeLoanBankAdvanceMaturityAverageInterestRateRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvanceMaturityAverageInterestRateYearSix" abstract="false" name="FederalHomeLoanBankAdvanceMaturityAverageInterestRateYearSix" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRolling9Months" abstract="false" name="FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRolling9Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearSix" abstract="false" name="FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNext9RollingMonths" abstract="false" name="FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNext9RollingMonths" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearSix" abstract="false" name="FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearSix" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_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"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIIIMember" abstract="true" name="FlagstarStatutoryTrustIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIVMember" abstract="true" name="FlagstarStatutoryTrustIVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVMember" abstract="true" name="FlagstarStatutoryTrustVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIMember" abstract="true" name="FlagstarStatutoryTrustVIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIIMember" abstract="true" name="FlagstarStatutoryTrustVIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIIIMember" abstract="true" name="FlagstarStatutoryTrustVIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIXMember" abstract="true" name="FlagstarStatutoryTrustIXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustXMember" abstract="true" name="FlagstarStatutoryTrustXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarBancorpMember" abstract="true" name="FlagstarBancorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_SubordinatedNotesMaturingIn2028Member" abstract="true" name="SubordinatedNotesMaturingIn2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_SubordinatedNotesMaturingIn2030Member" abstract="true" name="SubordinatedNotesMaturingIn2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="fbc_ForeignCurrencyForwardsMember" abstract="true" name="ForeignCurrencyForwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MunicipalBondsAndCapitalTrustMember" abstract="true" name="MunicipalBondsAndCapitalTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_MunicipalBondsForeignNotesAndCapitalTrustMember" abstract="true" name="MunicipalBondsForeignNotesAndCapitalTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ImpairedLoansFairValueDisclosure" abstract="false" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NonaccrualLoansMember" abstract="true" name="NonaccrualLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FairValueOptionContractualPrincipalOutstandingAssets" abstract="false" name="FairValueOptionContractualPrincipalOutstandingAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FairValueOptionLoansHeldAsAssets" abstract="false" name="FairValueOptionLoansHeldAsAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NoncumulativePreferredStockSeriesAMember" abstract="true" name="NoncumulativePreferredStockSeriesAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NoncumulativeConvertiblePreferredStockSeriesBMember" abstract="true" name="NoncumulativeConvertiblePreferredStockSeriesBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NoncumulativeConvertiblePreferredStockSeriesCMember" abstract="true" name="NoncumulativeConvertiblePreferredStockSeriesCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NonVotingCommonEquivalentStockSeriesDMember" abstract="true" name="NonVotingCommonEquivalentStockSeriesDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquityAmountOutstandingValueAbstract" abstract="true" name="TemporaryEquityAndEquityAmountOutstandingValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquitySharesAuthorizedAbstract" abstract="true" name="TemporaryEquityAndEquitySharesAuthorizedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquitySharesIssuedAbstract" abstract="true" name="TemporaryEquityAndEquitySharesIssuedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquitySharesOutstandingAbstract" abstract="true" name="TemporaryEquityAndEquitySharesOutstandingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquityParValueAbstract" abstract="true" name="TemporaryEquityAndEquityParValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_TemporaryEquityAndEquityLiquidationPreferenceAbstract" abstract="true" name="TemporaryEquityAndEquityLiquidationPreferenceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_CommonStockLiquidationPreferenceValue" abstract="false" name="CommonStockLiquidationPreferenceValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_TemporaryEquityDividendRatePercentage" abstract="false" name="TemporaryEquityDividendRatePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_SeriesDNYCEStockMember" abstract="true" name="SeriesDNYCEStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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"/>
  <xs:element id="fbc_StrikePriceOfWarrants" abstract="false" name="StrikePriceOfWarrants" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="fbc_MultiFamilyAndCommercialRealEstateMember" abstract="true" name="MultiFamilyAndCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" abstract="false" name="OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NumberOfCyberBreachSection" abstract="false" name="NumberOfCyberBreachSection" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_NumberOfClassAction" abstract="false" name="NumberOfClassAction" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
</xs:schema>
