UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


         Date of Report (Date of earliest event reported): July 25, 2007
                                                           -------------

                        NEW YORK COMMUNITY BANCORP, INC.
                        --------------------------------
             (Exact name of registrant as specified in its charter)


        Delaware                         1-31565                 06-1377322
        --------                         -------                 ----------
(State or other jurisdiction of     Commission File Number    (I.R.S. Employer
incorporation or organization)                              Identification No.)


                  615 Merrick Avenue, Westbury, New York 11590
                  --------------------------------------------
                    (Address of principal executive offices)


                                 (516) 683-4100
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not applicable
                                 --------------
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
   Act (17 CFR 240.14d-2(b))

[] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
   Act (17 CFR 240.13e-4(c))



                           CURRENT REPORT ON FORM 8-K
                           --------------------------


ITEM 2.02:      Results of Operations and Financial Condition
                ---------------------------------------------

                On July 25, 2007, New York Community Bancorp, Inc. (the
                "Company") issued a press release reporting its earnings for the
                three and six months ended June 30, 2007. A copy of the press
                release is attached as Exhibit 99.1 to this report.

ITEM 7.01:      Regulation FD Disclosure
                ------------------------

                On July 25, 2007, the Company announced that its Board of
                Directors declared a $0.25 per share dividend, payable on
                August 15, 2007 to shareholders of record at August 6, 2007.
                The announcement was included as part of the earnings release
                issued by the Company on July 25th and is incorporated into
                this Item 7.01 by reference to Exhibit 99.1 (but only with
                respect to the information contained in Exhibit 99.1 regarding
                the announcement of the dividend declaration, and not with
                respect to any information furnished under Item 2.02 of this
                Form 8-K.)

ITEM 9.01:      Financial Statements and Exhibits
                ---------------------------------

       (d)      Attached as Exhibit 99.1 is a press release issued by the
                Company on July 25, 2007, reporting its earnings for the three
                and six months ended June 30, 2007.



                                    SIGNATURE
                                    ---------


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date:  July 25, 2007                    NEW YORK COMMUNITY BANCORP, INC.
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                                        /s/ Joseph R. Ficalora
                                        ----------------------
                                        Joseph R. Ficalora
                                        Chairman, President, and Chief Executive
                                        Officer



                                  EXHIBIT INDEX
                                  -------------


Exhibit Number                    Description
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Exhibit 99.1                      Press release issued on July 25, 2007.