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).