Oritani Financial Corp. is a holding company for Oritani Bank (the Bank). The Bank's principal business consists of attracting retail and commercial bank deposits from the public in the areas surrounding its corporate office in the Township of Washington, New Jersey. It invests those deposits, together with funds generated from operations, in commercial real estate loans, one- to four-family residential mortgage loans, as well as in second mortgage and equity loans, and investment securities. The Bank provides a range of deposit banking services to individual and corporate customers in the New Jersey counties of Bergen, Hudson, Essex and Passaic. It provides loans to individual and corporate customers in New Jersey, as well as corporate customers primarily in portions of the states of New York and Pennsylvania. Its primary sources of funds are deposits, borrowings and principal and interest payments on loans and securities.