2. New York Community Bancorp ( NYB) New York Community saw its mortgage origination market share remain roughly flat at just 0.7% during the fourth quarter as compared to where it stood in 2010. Nonetheless, FB's Miller believes that will change going forward. During the company's conference call following fourth quarter earnings, President and CEO Joseph Ficalora referred to "strong" mortgage banking income of $24.7 million. Ficalora also highlighted potential government boosts to the mortgage business on the call. " The reality is that there are people in the Congress that recognize that some aspects of the regulatory environment are presenting a conflict with the ability for banking, at least, to increase its lending. So there is an effort in Washington to try and re-stabilize the situation somewhat," he said Thomas Cangemi, the bank's CFO, added that "given our positioning as a mortgage bank, given the timeframe when we actually got into the business, if there is, let's call it, significant changes on the residential side to stimulate activity in the mortgage financing market, we should be a beneficiary there."