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                                  EXHIBIT 23.2

                               CONSENT OF KPMG LLP

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Independent Auditors' Consent

The Board of Directors
New York Community Bancorp, Inc.:

We consent to the use of our report dated January 22, 2003 relating to our audit
of the consolidated  statements of condition of New York Community Bancorp, Inc.
(the  "Company") as of December 31, 2002 and 2001, and the related  consolidated
statements of income and comprehensive  income,  changes in stockholders' equity
and cash flows for each of the years in the three-year period ended December 31,
2002 which report appears in the Company's  2002 Annual Report to  Shareholders,
which is incorporated by reference in the Company's Form 10-K for the year ended
December  31,  2002,  which  is  incorporated  by  reference  in  the  Company's
registration statement on Form S-8. Our report refers to changes in 2002, as the
Company adopted the provisions of Statement of Financial Accounting Standard No.
142,  "Goodwill  and Other  Intangibles".  Our report  also refers to changes in
2001, as the Company adopted the provisions of Statement of Financial Accounting
Standard No. 141, "Business Combinations".

/s/ KPMG LLP

New York, New York
November 6, 2003