Hudson City Bancorp, Inc. serves as the holding company of its subsidiary, Hudson City Savings Bank (the Bank). The Bank is a federal stock savings bank. The Company is a community and consumer-oriented retail savings bank offering traditional deposit products, residential real estate mortgage loans and consumer loans. It purchases mortgages and mortgage-backed securities and other securities issued by United States government-sponsored enterprises as well as other investments. It operates through 135 branches in the New York metropolitan area. It operates approximately 97 branches located in 17 counties throughout the State of New Jersey. In New York State, it operates 10 branch offices in Westchester County, 12 branch offices in Suffolk County, one branch office each in Putnam and Rockland Counties and five branch offices in Richmond County (Staten Island). It also operates nine branch offices in Fairfield County, Connecticut.