Oritani Financial could give an oratory on local banking in New Jersey. The holding company owns Oritani Bank (formerly Oritani Savings Bank), which offers retail and commercial deposit and loan banking services from about 20 locations in three Garden State counties. Oritani Financial specializes in multi-family and commercial real estate lending, which make up more than half of its loan portfolio. Oritani Financial also writes one- to four-family and second mortgages, as well as equity and construction loans. It invests in real property through its Hampshire Financial, Oritani LLC, and Ormon divisions; Oritani Asset is a real estate investment trust (REIT).

The Home Development Mutual Fund was established by the government in 1978. For this financial services company, time flies when you're having funds. The Home Development Mutual Fund (more commonly known as the Pag-IBIG Fund) is one of the premier financial institutions in the Philippines. It caters to mostly middle-income workers, but also loans to residential developers. As one of the largest financiers of housing loans in the country, the state-run company issues housing bonds (used to finance its housing loan program), offers multi-purpose loans (for medical, educational, and minor home improvement assistance), and provides disaster relief financial assistance.

First United is the holding company for First United Bank & Trust and other financial services subsidiaries. Founded in 1900, the bank operates about 25 branches in the panhandles of western Maryland and eastern West Virginia, as well as the Morgantown, West Virginia area. The bank provides standard services such as checking and savings accounts, money market accounts, and CDs, as well as retirement and trust services. Commercial loans make up the largest portion of the company's loan portfolio (more than 45%), followed by real estate mortgages (more than 35%), consumer installment loans, and construction loans.

Centinel Bank Shares is the holding company for Centinel Bank of Taos. Catering to the Hispanic community, the bank provides traditional deposit services and products such as checking and savings accounts, as well as loans from four branches in New Mexico. CEO Rebeca Rainey's grandfather, Eliu Romero, founded the bank in 1969. He was motivated to establish a bank that would serve the Hispanic community when he was denied for a loan to help start his law practice

First Franklin Corporation operates as the holding company for The Franklin Savings and Loan Company that offers a range of banking products and services in Ohio. Its deposit products include savings accounts, checking accounts, money market accounts, fixed interest rate certificates of deposit with varying maturities, and individual retirement accounts. The company offers conventional first mortgage loans for the purpose of purchasing, refinancing, or constructing one-to four-family residential real property; multi-family residential and nonresidential real estate loans; consumer loans for personal, family, or household purposes, as well as for automobiles, boats, recreational vehicles, and education; and home equity and commercial lines of credit. It also invests in mortgage-backed securities and collateralized mortgage obligations, as well as offers credit card, automated teller machine, voice response telephone inquiry system, and Internet-based banking system services. First Franklin Corporation operates one office in Cincinnati, Ohio; and seven full service branches in Hamilton County, Ohio. First Franklin Corporation was founded in 1883 and is based in Cincinnati, Ohio.

In 2010 Wells Fargo announced that it will merge the business of Wells Fargo Financial, which accounts for less than 2% of the company's loan volume, into its banking operations. The consumer finance arm of US banking superpower Wells Fargo, Wells Fargo Financial operates through approximately 1,100 locations throughout the US, as well as in Canada and the Pacific Rim. The company provides credit cards, personal loans, and real estate-secured loans to consumers. It originates indirect auto loans through more than 18,000 franchised dealers. Wells Fargo Financial, Inc. also provides sales financing to retailers and lease financing to health care and agribusiness concerns.

Security Federal is the holding company for Security Federal Bank, which has about a dozen offices in southwestern South Carolina's Aiken and Lexington counties. It expanded into Columbia, South Carolina and eastern Georgia in 2007. The bank offers checking and savings accounts, credit cards, CDs, IRAs, and other retail products and services. Commercial business and mortgage loans make up more than 60% of the company's lending portfolio, which also includes residential mortgages (about 25%), and consumer loans. Security Federal also offers trust services, investments, and life, home, and auto insurance.

The Commerce Bank of Oregon has one branch in Portland that caters to small businesses, entrepreneurs, and professionals. It serves local residents too. The bank offers standard services, including savings accounts and credit cards. Investment products such as certificates of deposit and money market accounts are provided through affiliate Zions Bank and third-party provider Fidelity. Commercial and industrial loans account for a majority of The Commerce Bank of Oregon's loan portfolio.

Chong Hing Bank (CHB) offers retail and wholesale banking services and products, including deposit accounts, mortgage and automobile loans, corporate banking, and trade financing. The company has approximately 50 branches in Hong Kong and a handful of branches and representative offices in China and the US. Through subsidiaries, CHB also offers insurance and re-insurance investment services, securities trading, and commodities. Its Chong Hing Securities unit offers MPF (pension fund) services. The managing Liu family founded CHB as Liu Chong Hing Bank in 1948.

Summit Bank personal attention is a tradition. Since we opened our first branch in Oakland in 1982, our staff have made people their priority. Summit Bank provides traditional banking services and a full range of financial products for individuals, businesses and professionals, each tailored to meet the specific needs of every client. The Bank's willingness to adapt and to innovate with new products is more than the foundation of our mission - it is the secret to our success. We have earned the confidence of our clients and shareholders by conducting our business in a pragmatic, prudent, and profitable manner.

Inviting Real Estate Agents, Job Placements Agents, Educational Institutes, Software Service Providers, Real Estate Builders, Marriage Bureaus, Travel Agents, Restaurant Owners, Health & Fitness Centers and other Local Businesses to Post a FREE Classified Advertisement on Cootera.com Classifieds Website.