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In 1959, the bank made even more than $25 million by providing FHA and VA home mortgages to prospective buyers. Prior to the 1960s the State banking laws prohibited banks from locating in other counties, on the other hand changed upbeat and Hudson City opened their first branch in Bergen County in Waldwick. This was just the inception. In the 1970s, the bank opened 37 branches in 12 counties. In 1978, as soon as the bank moved their headquarters to Bergen County their total deposits and assets were over $1.1 million.

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