Investors Bank Mortgage Rates, Fees & Info

Short Hills, NJ

LEI: 5493002VB77GOYB9O402

Tax ID: 22-1368780

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Investors Bank is a small bank specializing in Home Purchase and Refi loans. Investors Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Trenton, Baltimore, and Bridgeport among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Investors Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Investors Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.83% 4/21/24
    30 Year Conventional Refi 6.16% 4/21/24
    30 Year Cash-out Refi 6.43% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 5.89% 4/21/24
    15 Year Conventional Refi 5.87% 4/21/24
    15 Year Cash-out Refi 5.87% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Investors Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Investors Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,445

    Origination Dollar Volume (All Markets)

    $2,914,225,000

    Employee count

    1,928 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,875 $2,266,125,000 $788,217 $5,122 3.90%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 253 $348,115,000 $1,375,949 $4,473 4.00%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 217 $65,745,000 $302,972 $4,051 3.81%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $38,325,000 $38,325,000 $0 3.63%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 28 $37,180,000 $1,327,857 $5,853 3.99%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $36,610,000 $1,830,500 $3,649 3.92%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $32,635,000 $32,635,000 $0 3.63%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 7 $21,275,000 $3,039,286 $6,019 4.41%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $11,735,000 $11,735,000 $0 3.63%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $9,400,000 $2,350,000 $4,046 4.19%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $9,040,000 $4,520,000 $0 4.25%
    OCEAN CITY, NJ (FHA|USDA|VA) 10 $6,560,000 $656,000 $5,427 4.31%
    COLUMBUS, OH (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 4.00%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $5,735,000 $1,911,667 $3,671 4.29%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $5,495,000 $1,831,667 $4,018 4.00%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 10 $4,760,000 $476,000 $4,628 4.00%
    LEBANON, PA (FHA|USDA|VA) 1 $4,455,000 $4,455,000 $0 4.63%
    SANTA FE, NM (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 4.00%
    DOVER, DE (FHA|USDA|VA) 2 $630,000 $315,000 $4,001 4.75%
    Outside of Metro Areas 1 $615,000 $615,000 $5,696 4.75%
    READING, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,263 4.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,250 4.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,670 5.13%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $135,000 $135,000 $2,864 5.25%
    Investors Bank's top markets include New York, Philadelphia, Trenton, Baltimore, and Bridgeport among others.

    Their top states include:
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Investors Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Neffs National Bank
    Similarity Rank: 30
    N C P D Federal Credit Union
    Similarity Rank: 55
    Iron Workers Savings Bank
    Similarity Rank: 63
    Bogota Savings Bank
    Similarity Rank: 63
    Union County Savings Bank
    Similarity Rank: 66
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 80
    MUTUAL SECURITY CREDIT UNION
    Similarity Rank: 96
    Union Savings Bank
    Similarity Rank: 108
    Haddon Savings Bank
    Similarity Rank: 116
    Freehold Savings Bank
    Similarity Rank: 120

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,037 $2,826,055,000 $930,542 $5,002 3.97%
    HELOC 408 $88,170,000 $216,103 n/a 3.42%

    For 2018, Investors Bank's most frequently originated type of loan was Conventional, with 3,037 originations. Their 2nd most popular type was HELOC, with 408 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,008 $1,246,030,000 $620,533 $5,432 3.88%
    Refi 882 $1,422,640,000 $1,612,971 $3,271 3.84%
    Cash Out Refi 431 $225,565,000 $523,353 $5,099 4.21%
    Other 97 $16,785,000 $173,041 $383 3.57%
    Home Improvement 27 $3,205,000 $118,704 $382 4.38%

    For 2018, Investors Bank's most frequently cited loan purpose was Home Purchase, with 2,008 originations. The 2nd most popular reason was Refi, with 882 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,405 $973,375,000 $404,730 $5,364 3.92%
    Other 469 $687,745,000 $1,466,407 $5,185 3.53%
    10 Year 257 $1,096,005,000 $4,264,611 $1,613 4.07%
    15 Year 197 $103,485,000 $525,305 $3,847 4.12%
    20 Year 84 $41,420,000 $493,095 $2,908 4.57%
    5 Year 31 $11,205,000 $361,452 $372 4.10%
    3 Year 2 $990,000 $495,000 $0 5.38%

    For 2018, Investors Bank's most frequently cited loan duration was 30 Year, with 2,405 originations. The 2nd most popular length was Other, with 469 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,675 $695,775,000 $415,388
    $<1k 272 $163,740,000 $601,985
    $2k-3k 170 $85,220,000 $501,294
    $5k+ 73 $47,915,000 $656,370
    $3k-4k 58 $37,040,000 $638,621
    $4k-5k 34 $25,280,000 $743,529

    Investors Bank's average total fees were $5,364, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,675 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,683 $1,454,335,000 $864,133
    3-4% 1,035 $1,241,905,000 $1,199,908
    <2.5% 358 $1,820,000 $5,084
    2.5-3% 226 $43,360,000 $191,858
    5-6% 141 $160,295,000 $1,136,844
    6-7% 2 $12,510,000 $6,255,000

    During 2018, Investors Bank's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 4-5%, with 1,683 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 778 $388,620,000 $499,512 $5,604 4.17%
    $200k-400k 736 $211,610,000 $287,514 $4,271 4.13%
    $100,000 or less 689 $21,145,000 $30,689 $1,631 2.96%
    $600k-1MM 448 $327,530,000 $731,094 $6,727 4.19%
    $100k-200k 436 $63,560,000 $145,780 $3,453 4.09%
    $1MM+ 358 $1,901,760,000 $5,312,179 $8,496 4.10%

    2018 saw Investors Bank place emphasis on $400k-600k loans with 778 originations, totaling $388,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 863 $370,515,000 $429,334 $5,342 4.04%
    $250k+ 702 $453,040,000 $645,356 $6,292 4.07%
    $100k-150k 615 $176,905,000 $287,650 $4,526 3.97%
    $50k-75k 413 $49,445,000 $119,722 $3,657 3.48%
    $75k-100k 326 $60,590,000 $185,859 $3,892 3.83%
    $50k or less 208 $14,730,000 $70,817 $3,208 3.25%

    Investors Bank lent most frequently to those with incomes in the $150k-250k range, with 863 originations. The second most popular income band? $250k+, with 702 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 777 $297,355,000 $382,696 $5,008 3.91%
    30-36% 746 $281,360,000 $377,158 $4,964 3.91%
    <20% 236 $77,330,000 $327,669 $4,670 3.92%
    42% 192 $58,090,000 $302,552 $5,070 3.70%
    39% 151 $59,005,000 $390,762 $4,936 3.99%
    38% 146 $58,980,000 $403,973 $5,109 3.96%
    37% 142 $61,720,000 $434,648 $5,667 4.00%
    40% 138 $49,950,000 $361,957 $5,251 3.77%
    36% 130 $50,770,000 $390,538 $5,184 3.93%
    41% 113 $34,725,000 $307,301 $4,762 3.75%
    43% 101 $26,745,000 $264,802 $4,777 3.64%
    44% 94 $24,140,000 $256,809 $4,673 3.83%
    45% 55 $13,835,000 $251,545 $4,958 3.64%
    49% 41 $10,155,000 $247,683 $4,500 3.98%
    46% 36 $12,170,000 $338,056 $5,308 4.05%
    48% 35 $9,435,000 $269,571 $5,395 3.85%
    47% 34 $8,980,000 $264,118 $4,885 3.88%
    50-60% 5 $685,000 $137,000 $4,484 3.03%
    >60% 4 $1,210,000 $302,500 $6,474 3.62%

    Investors Bank lent most frequently to those with DTI ratios of 20-30%, with 777 originations. The next most common DTI ratio? 30-36%, with 746 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 268 $1,776,580,000 $6,629,030 $0 4.16%
    White 2,069 $745,425,000 $360,283 $4,955 3.94%
    Not provided 706 $249,520,000 $353,428 $4,882 3.78%
    Asian 308 $119,500,000 $387,987 $5,560 3.80%
    Black 76 $17,110,000 $225,132 $4,780 3.72%
    Asian Indian 5 $2,395,000 $479,000 $4,312 4.23%
    American Indian 3 $1,105,000 $368,333 $4,921 4.12%
    Guamanian 1 $905,000 $905,000 $6,713 4.50%
    Other Asian 4 $890,000 $222,500 $11,255 3.75%
    Chinese 4 $450,000 $112,500 $4,397 3.65%
    Native Hawaiian or Islander 1 $345,000 $345,000 $4,353 4.88%

    Approval Rates

    Total approvals of all applications
    82.22%

    Investors Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    92.80%

    Investors Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,445 $2,914,225,000 $845,929

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 251 $1,742,365,000 $6,941,693
    Single Family (1-4 Units):Site-Built 3,194 $1,171,860,000 $366,894

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 308 $128,640,000 $417,662 $3,805 3.91%
    40-60% 400 $414,470,000 $1,036,175 $4,810 4.11%
    60-80% 1,359 $1,662,625,000 $1,223,418 $5,510 4.18%
    80-100% 671 $299,715,000 $446,669 $5,117 4.25%
    Over 100% 6 $94,070,000 $15,678,333 $0 4.08%
    Under 20% 701 $314,705,000 $448,937 $836 2.92%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    INVESTORS BANK Conventional home mortgage Trouble during payment process 2 50.0%
    INVESTORS BANK FHA mortgage Trouble during payment process 1 25.0%
    INVESTORS BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Investors Bank 1 Outwater Lane Garfield, NJ 7026 Full Service B&M $53,990
    Investors Bank 1000 Highway 36 Atlantic Highlands, NJ 7716 Full Service B&M $68,420
    Investors Bank 1001 Highway #71 Spring Lake, NJ 7762 Full Service B&M $171,543
    Investors Bank 1006 Kresson Road Voorhees, NJ 8043 Full Service B&M $42,749
    Investors Bank 101 Jfk Parkway Short Hills, NJ 7078 Full Service B&M $0
    Investors Bank 101 N Broadway Pitman, NJ 8071 Full Service B&M $93,051
    Investors Bank 103-42 Lefferts Blvd. South Richmond Hill, NY 11419 Full Service B&M $13,025
    Investors Bank 105 North Avenue W Cranford, NJ 7016 Full Service B&M $95,790
    Investors Bank 1065 Stuyvesant Avenue Irvington, NJ 7111 Full Service B&M $61,460
    Investors Bank 1067 Broadway Bayonne, NJ 7002 Full Service B&M $221,821
    Investors Bank 108 Engle Street Englewood, NJ 7631 Full Service B&M $41,240
    Investors Bank 1153 Valley Road Stirling, NJ 7980 Full Service B&M $95,789
    Investors Bank 1155 Whitehorse-Mercerville Rd. Trenton, NJ 8619 Full Service B&M $118,523
    Investors Bank 1164 Wantagh Avenue Wantagh, NY 11793 Full Service B&M $99,024
    Investors Bank 1174 Jericho Turnpike Commack, NY 11725 Full Service B&M $41,465
    Investors Bank 1200 Forest Avenue Staten Island, NY 10310 Full Service B&M $46,402
    Investors Bank 1201 Avenue J Brooklyn, NY 11201 Full Service B&M $21,214
    Investors Bank 1207 Quentin Road Brooklyn, NY 11229 Full Service B&M $40,596
    Investors Bank 123 Ridge Road Lyndhurst, NJ 7071 Full Service B&M $129,347
    Investors Bank 124 East Main Street Maple Shade, NJ 8052 Full Service B&M $53,112
    Investors Bank 1291 Springfield Avenue New Providence, NJ 7974 Full Service B&M $116,782
    Investors Bank 130 North County Line Road Jackson, NJ 8527 Full Service B&M $76,786
    Investors Bank 130 Washington Avenue Carteret, NJ 7008 Full Service B&M $69,689
    Investors Bank 130 Watchung Avenue Plainfield, NJ 7060 Full Service B&M $49,435
    Investors Bank 1300 Liberty Avenue Hillside, NJ 7205 Full Service B&M $137,508
    Investors Bank 1330 St. Georges Avenue Avenel, NJ 7001 Full Service B&M $47,778
    Investors Bank 1331 Springfield Avenue Irvington, NJ 7111 Full Service B&M $58,638
    Investors Bank 134 Main Street Madison, NJ 7940 Full Service B&M $73,595
    Investors Bank 1421 Avenue M Brooklyn, NY 11230 Full Service Retail $72,887
    Investors Bank 150-07 14th Avenue Whitestone, NY 11357 Full Service B&M $70,585
    Investors Bank 1500 Finnegans Lane North Brunswick, NJ 8902 Full Service B&M $97,847
    Investors Bank 1556 Hylan Boulevard Staten Island, NY 10305 Full Service B&M $29,197
    Investors Bank 1577 Northern Blvd Manhasset, NY 11030 Full Service B&M $124,703
    Investors Bank 160 Lawrenceville-Pennington Road Lawrenceville, NJ 8648 Full Service B&M $51,249
    Investors Bank 1655 Oak Tree Road Edison, NJ 8820 Full Service B&M $70,594
    Investors Bank 169 Broadway Long Branch, NJ 7740 Full Service B&M $116,390
    Investors Bank 169 Main Street Chatham, NJ 7928 Full Service B&M $106,557
    Investors Bank 1752 Veterans Memorial Highway Islandia, NY 11749 Full Service B&M $21,954
    Investors Bank 184 Ferry Street Newark, NJ 7105 Full Service B&M $82,984
    Investors Bank 190 East Jericho Turnpike Mineola, NY 11501 Full Service B&M $119,310
    Investors Bank 192 Kings Highway Middletown, NJ 7748 Full Service B&M $156,491
    Investors Bank 193 Morris Avenue Springfield, NJ 7081 Full Service B&M $218,244
    Investors Bank 1951 Route 70 East Cherry Hill, NJ 8003 Full Service B&M $34,909
    Investors Bank 2 Commerce Blvd Succasunna, NJ 7876 Full Service B&M $133,937
    Investors Bank 20 White Street Red Bank, NJ 7701 Full Service B&M $110,445
    Investors Bank 21 West Main Street Freehold, NJ 7728 Full Service B&M $350,025
    Investors Bank 213 Harrison Street Nutley, NJ 7110 Full Service B&M $88,670
    Investors Bank 213 Us Highway 130 Bordentown, NJ 8505 Full Service B&M $68,939
    Investors Bank 2147 Bridge Avenue Point Pleasant Boro, NJ 8742 Full Service Retail $125,226
    Investors Bank 2150 Merrick Road Merrick, NY 11566 Full Service B&M $35,015
    Investors Bank 2150 Route 130 North Burlington Township, NJ 8016 Full Service B&M $50,807
    Investors Bank 2200 Richmond Avenue Staten Island, NY 10314 Full Service B&M $23,162
    Investors Bank 221 River Street Hoboken, NJ 7030 Full Service B&M $19,950
    Investors Bank 225 Demott Lane Somerset, NJ 8873 Full Service B&M $215,785
    Investors Bank 23-02 31st Street Astoria, NY 11105 Full Service B&M $61,406
    Investors Bank 2300 Route 33 Robbinsville, NJ 8691 Full Service B&M $140,272
    Investors Bank 23201 Columbus Road Columbus, NJ 8022 Full Service B&M $33,894
    Investors Bank 24 East Northfield Road Livingston, NJ 7039 Full Service B&M $261,129
    Investors Bank 2400 Lemoine Avenue Fort Lee, NJ 7024 Full Service B&M $118,746
    Investors Bank 2426 Route 34 North Manasquan, NJ 8736 Full Service B&M $93,516
    Investors Bank 2441-A Route 22 West Union, NJ 7083 Full Service B&M $68,225
    Investors Bank 2449 South Plainfield Avenue South Plainfield, NJ 7080 Full Service B&M $105,279
    Investors Bank 246-248 Hackensack Avenue East Rutherford, NJ 7073 Full Service B&M $1,019
    Investors Bank 249 Millburn Avenue Millburn, NJ 7041 Full Service B&M $3,328,162
    Investors Bank 255 Lafayette Street Newark, NJ 7105 Full Service B&M $165,267
    Investors Bank 2560 Ocean Avenue Brooklyn, NY 11229 Full Service B&M $32,893
    Investors Bank 2580 Hylan Blvd. Staten Island, NY 10306 Full Service B&M $21,351
    Investors Bank 267 5th Avenue New York, NY 10016 Full Service B&M $97,788
    Investors Bank 268 Brighton Beach Avenue Brooklyn, NY 11235 Full Service B&M $42,577
    Investors Bank 27 Prospect Street East Orange, NJ 7017 Full Service B&M $36,540
    Investors Bank 271 Page Avenue Staten Island, NY 10310 Full Service B&M $58,013
    Investors Bank 273 Brick Boulevard Brick, NJ 8723 Full Service B&M $70,075
    Investors Bank 275 Chestnut Street Newark, NJ 7105 Full Service B&M $103,681
    Investors Bank 276 Route 53, Suite 3 Denville, NJ 7834 Full Service B&M $99,682
    Investors Bank 2846 Steinway Street Astoria, NY 11103 Full Service B&M $47,006
    Investors Bank 300 Bergen Avenue Kearny, NJ 7032 Full Service Retail $168,499
    Investors Bank 301 Greentree Road Sewell, NJ 8080 Full Service B&M $121,841
    Investors Bank 301 Harrison Avenue Harrison, NJ 7029 Full Service B&M $46,702
    Investors Bank 31-01 Broadway Astoria, NY 11106 Full Service B&M $105,396
    Investors Bank 310 Pompton Avenue Cedar Grove, NJ 7009 Full Service B&M $160,411
    Investors Bank 3100 Route 38 Mount Laurel, NJ 8054 Full Service B&M $417,298
    Investors Bank 314 7th Avenue Brooklyn, NY 11215 Full Service B&M $16,302
    Investors Bank 315 Us Hwy 202/206 Pluckemin, NJ 7978 Full Service B&M $67,891
    Investors Bank 320 Evesboro-Medford Road Marlton, NJ 8053 Full Service B&M $31,313
    Investors Bank 3265 Highway 9 Freehold, NJ 7728 Full Service B&M $195,157
    Investors Bank 345a Matawan Road Matawan, NJ 7747 Full Service B&M $81,479
    Investors Bank 3563 Rt 22 E Whitehouse Station, NJ 8889 Full Service B&M $120,212
    Investors Bank 360 Martin Luther King Drive, Unit 7h Jersey City, NJ 7304 Full Service B&M $69,409
    Investors Bank 360 Sthwy 34 South Colts Neck, NJ 7722 Full Service B&M $84,945
    Investors Bank 365 Broad Street Bloomfield, NJ 7003 Full Service B&M $228,857
    Investors Bank 3780 Nostrand Avenue New York City, NY 11235 Full Service B&M $98,661
    Investors Bank 385 George Street New Brunswick, NJ 8901 Full Service B&M $54,657
    Investors Bank 393 Springfield Avenue Summit, NJ 7901 Full Service B&M $183,345
    Investors Bank 399 Atlantic Avenue Brooklyn, NY 11217 Full Service B&M $25,990
    Investors Bank 415 Stokes Road Medford, NJ 8055 Full Service B&M $39,456
    Investors Bank 425 N. Black Horse Pike Williamstown, NJ 8094 Full Service B&M $47,516
    Investors Bank 425 Route 70 Lakewood, NJ 8701 Full Service B&M $132,715
    Investors Bank 4255 Us Highway 9 Howell, NJ 7731 Full Service B&M $13,778
    Investors Bank 43 - 08 Bell Boulevard Bayside, NY 11361 Full Service B&M $122,470
    Investors Bank 431 Court Street Brooklyn, NY 11231 Full Service B&M $66,612
    Investors Bank 437 Park Avenue Scotch Plains, NJ 7076 Full Service B&M $96,849
    Investors Bank 441 Springfield Avenue Berkeley Heights, NJ 7922 Full Service B&M $87,404
    Investors Bank 45 Washington Street Morristown, NJ 7960 Full Service B&M $136,998
    Investors Bank 450 Union Hill Road Morganville, NJ 7751 Full Service B&M $200,332
    Investors Bank 4500 S. Broad St Yardville, NJ 8620 Full Service B&M $133,691
    Investors Bank 451 Lacey Road Whiting, NJ 8759 Full Service B&M $92,328
    Investors Bank 453 Speedwell Avenue Morris Plains, NJ 7950 Full Service B&M $61,508
    Investors Bank 4624 13th Avenue Brooklyn, NY 11219 Full Service Retail $177,782
    Investors Bank 485 Hamilton Avenue Trenton, NJ 8609 Full Service B&M $103,878
    Investors Bank 500 Clifton Avenue Clifton, NJ 7011 Full Service B&M $159,710
    Investors Bank 500 Route 33 Mercerville, NJ 8619 Full Service B&M $96,192
    Investors Bank 51 South Broad Street Elizabeth, NJ 7202 Full Service B&M $194,801
    Investors Bank 52 Main Street Vincentown, NJ 8088 Full Service B&M $43,507
    Investors Bank 536 Bloomfield Avenue Montclair, NJ 7042 Full Service B&M $83,339
    Investors Bank 55 Old Highway 22 Clinton, NJ 8809 Full Service B&M $111,527
    Investors Bank 56 Westfield Avenue Clark, NJ 7066 Full Service B&M $96,677
    Investors Bank 561 Us Hwy 1 Edison, NJ 8817 Full Service B&M $31,716
    Investors Bank 563 Larkfield Road East Northport, NY 11731 Full Service B&M $13,449
    Investors Bank 565 Stelton Road Piscataway, NJ 8854 Full Service B&M $120,982
    Investors Bank 575 Main Street Woodbridge, NJ 7095 Full Service B&M $129,834
    Investors Bank 58-25 Myrtle Avenue Ridgewood, NY 11385 Full Service B&M $8,687
    Investors Bank 598-608 State Street Perth Amboy, NJ 8861 Full Service B&M $88,863
    Investors Bank 605 Madison Avenue Lakewood, NJ 8701 Full Service B&M $138,245
    Investors Bank 636 Inman Avenue Colonia, NJ 7067 Full Service B&M $23,867
    Investors Bank 6402 18th Avenue Brooklyn, NY 11204 Full Service B&M $12,601
    Investors Bank 645 Route 18 East Brunswick, NJ 8816 Full Service B&M $39,385
    Investors Bank 675 Hempstead Turnpike Franklin Square, NY 11010 Full Service B&M $10,267
    Investors Bank 680 Delsea Drive Glassboro, NJ 8028 Full Service B&M $72,501
    Investors Bank 69-71 Grand Avenue Maspeth, NY 11378 Full Service B&M $26,298
    Investors Bank 698 Route 202 North Flemington, NJ 8822 Full Service B&M $76,432
    Investors Bank 70 Hackensack Avenue Hackensack, NJ 7601 Full Service B&M $19,780
    Investors Bank 7123 3rd Avenue Brooklyn, NY 11209 Full Service B&M $32,215
    Investors Bank 725 Bloomfield Avenue Verona, NJ 7044 Full Service B&M $69,989
    Investors Bank 7414 13th Avenue Brooklyn, NY 11228 Full Service B&M $20,758
    Investors Bank 75 South Orange Avenue South Orange, NJ 7079 Full Service B&M $50,911
    Investors Bank 77 Central Avenue Clark, NJ 7066 Full Service B&M $124,982
    Investors Bank 7826 5th Avenue Brooklyn, NY 11209 Full Service B&M $109,214
    Investors Bank 79 W. Upper Ferry Rd. W. Trenton, NJ 8628 Full Service B&M $65,311
    Investors Bank 80 Hartford Road Moorestown, NJ 8057 Full Service B&M $299,786
    Investors Bank 81 Court Street Brooklyn, NY 11201 Full Service B&M $175,117
    Investors Bank 820 Bloomfield Avenue West Caldwell, NJ 7006 Full Service B&M $16,498
    Investors Bank 829 Sanford Ave Newark, NJ 7106 Full Service B&M $32,048
    Investors Bank 84 Route 31 Pennington, NJ 8534 Full Service B&M $21,952
    Investors Bank 8601 21st Avenue Brooklyn, NY 11214 Full Service B&M $23,896
    Investors Bank 864 Route 37 West Toms River, NJ 8755 Full Service B&M $240,901
    Investors Bank 8724 Fourth Avenue Brooklyn, NY 11209 Full Service B&M $61,253
    Investors Bank 874 Fischer Boulevard, Bay Plaza Shopping Center Toms River, NJ 8753 Full Service B&M $106,225
    Investors Bank 88 Norwood Avenue Deal, NJ 7723 Full Service B&M $245,144
    Investors Bank 896 Manhattan Avenue Brooklyn, NY 11222 Full Service B&M $35,778
    Investors Bank 946 Amboy Avenue Edison, NJ 8837 Full Service B&M $130,980
    Investors Bank 977 Stuyvesant Avenue Union, NJ 7083 Full Service B&M $155,271
    Investors Bank Rd#1 State Highway #57 Washington, NJ 7882 Full Service B&M $69,504

    For 2018, Investors Bank had 152 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $969,892
    Net interest income $681,684
    Total noninterest income $35,226
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $9,968
    Trading account gains and fees $0
    Additional Noninterest Income $25,258
    Pre-tax net operating income $300,531
    Securities gains (or losses, -) $-31,735
    Income before extraordinary items $200,997
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $200,997
    Minority interest net income $0
    Net income $200,997
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $226,067

    Investors Bank's gross interest income from loans was $969,892,000.
    Investors Bank's net interest income from loans was $681,684,000.
    Investors Bank's fee based income from loans was $9,968,000.
    Investors Bank's net income from loans was $200,997,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $288,208
    Provision for credit losses $12,000
    Total noninterest expense $404,379
    Salaries and employee benefits $235,746
    Premises and equipment expense $62,276
    Additional noninterest expense $106,357
    Applicable income taxes $67,799
    Net charge-offs $7,151
    Cash dividends $289,200

    Investors Bank's interest expense for loans was $288,208,000.
    Investors Bank's payroll and benefits expense were $235,746,000.
    Investors Bank's property, plant and equipment expenses $62,276,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $17,862,420
    Deposits held in domestic offices $17,862,420
    Deposits by Individuals, partnerships, and corporations $13,776,691
    Deposits by U.S. Government $68
    Deposits by States and political subdivisions in the U.S. $4,065,162
    Deposits by Commercial banks and other depository institutions in U.S. $20,499
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,140,457
    Demand deposits $618,878
    Nontransaction accounts $16,721,963
    Money market deposit accounts (MMDAs) $3,638,835
    Other savings deposits (excluding MMDAs) $8,510,879
    Total time deposits $4,572,249
    Total time and savings deposits $17,243,542
    Noninterest-bearing deposits $2,817,112
    Interest-bearing deposits $15,045,308
    Retail deposits $15,230,839
    IRAs and Keogh plan accounts $441,189
    Brokered deposits $1,896,080
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $26,266,236
    Cash & Balances due from depository institutions $196,892
    Interest-bearing balances $88,903
    Total securities $3,677,059
    Federal funds sold & reverse repurchase $0
    Net loans and leases $21,387,165
    Loan and leases loss allowance $235,818
    Trading account assets $0
    Bank premises and fixed assets $177,432
    Other real estate owned $6,911
    Goodwill and other intangibles $99,063
    All other assets $721,714

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $26,266,235
    Total Liabilities $23,526,465
    Total deposits $17,862,420
    Interest-bearing deposits $15,045,308
    Deposits held in domestic offices $17,862,420
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $505,000
    Trading liabilities $0
    Other borrowed funds $5,014,565
    Subordinated debt $0
    All other liabilities $144,480

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $21,387,165
    Loan and leases loss allowance $235,818
    Total loans and leases (domestic) $21,622,983
    All real estate loans $20,068,565
    Real estate loans in domestic offices $20,068,565
    Construction and development loans $235,006
    Residential 1-4 family construction $26,977
    Other construction, all land development and other land $208,029
    Loans secured by nonfarm nonresidential properties $5,758,183
    Nonfarm nonresidential secured by owner-occupied properties $1,148,944
    Commercial real estate & other non-farm, non-residential $4,609,239
    Multifamily residential real estate $8,189,080
    1-4 family residential loans $5,886,287
    Farmland loans $9
    Loans held in foreign offices $0
    Farm loans $3,602
    Commercial and industrial loans $782,126
    To non-U.S. addressees $0
    Loans to individuals $352,051
    Credit card loans $0
    Related Plans $563
    Consumer Auto Loans $22
    Other loans to individuals $351,466
    All other loans & leases $416,639
    Loans to foreign governments and official institutions $0
    Other loans $154,730
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $13,586
    Non 1-4 family restructured loans & leases $2,070
    Total loans and leases (foreign) $0

    Investors Bank had $21,387,165,000 of loans outstanding in 2018. $20,068,565,000 of loans were in real estate loans. $235,006,000 of loans were in development loans. $8,189,080,000 of loans were in multifamily mortgage loans. $5,886,287,000 of loans were in 1-4 family mortgage loans. $3,602,000 of loans were in farm loans. $0 of loans were in credit card loans. $22,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 653 $256,203 $392,348
    Nonfarm, nonresidential loans - <$100k 26 $961 $36,962
    Nonfarm, nonresidential loans - $100-250k 116 $14,163 $122,095
    Nonfarm, nonresidential loans - $250k-1MM 511 $241,079 $471,779
    Commercial & Industrial, US addressed loans - <$1MM 1,133 $123,016 $108,575
    Commercial & Industrial, US addressed loans - <$100k 612 $13,494 $22,049
    Commercial & Industrial, US addressed loans - $100-250k 196 $20,217 $103,148
    Commercial & Industrial, US addressed loans - $250k-1MM 325 $89,305 $274,785
    Farmland loans - <$1MM 2 $9 $4,500
    Farmland loans - <$100k 2 $9 $4,500
    Agriculture operations loans - <$1MM 2 $66 $33,000
    Agriculture operations loans - <$100k 1 $63 $63,000
    Agriculture operations loans - $100-250k 1 $3 $3,000