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In 1959, the bank made far more $25 million by providing FHA and VA mortgages to residents. 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 only the beginner. 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 zillion.