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New York Community Bank (NYCB) is the savings bank subsidiary of the publicly traded company New York Community Bancorp. New York Community Bancorp is the fourth largest thrift in the United States and the largest in New York State.〔SNL DataSource, http://www.snl.com/bank/〕 It is also the leading producer of multi-family loans for portfolio in New York City.〔 NYCB was founded in 1859 in Flushing, Queens as Queens County Savings Bank, and changed their name on December 15, 2000 to New York Community Bank to better reflect their market area beyond Queens. NYCB serves New York City, Long Island, and Westchester County through its Queens County Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, Roslyn Savings Bank, and New York Community branded branches. It serves northern New Jersey through its newly formed Garden State Community Bank division, which consolidated four divisions: First Savings Bank of New Jersey, Ironbound Bank, Penn Federal Savings Bank, and Synergy Bank. Customers of NYCB can make transactions at any branch regardless of division. Additionally, New York Community Bancorp has a second, commercial banking subsidiary, New York Commercial Bank (formerly Long Island Commercial Bank), which operates two divisions, New York Commercial Bank and Atlantic Bank of New York. The two subsidiaries operate separate banking systems but transactions for both can be effected at any NYCB-marked branch. ==Multi Family Lending== In New York City—where the majority of the housing stock consists of rental units in multi-family buildings—New York Community Bank has been producing multi-family loans for more than 40 years. As the only lender to consistently provide funds to finance the City’s multi-family buildings—even in times of economic crisis—New York Community Bank has established itself as a leader in this lending niche. Most of the loans produced by the Bank are secured by low- to moderate-income buildings that are subject to rent control and rent stabilization laws. In fact, of the $32 billion of multi-family loans produced by the Bank from January 1, 1993 through March 31, 2011, approximately $24 billion—or 75%--were secured by such properties. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「New York Community Bank」の詳細全文を読む スポンサード リンク
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