Exhibit  99.2
                                                                  -------------
                                                         OMB Number:  3235-0569
                                                    Expires:   January 31, 2003


  STATEMENT UNDER OATH OF PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL
  OFFICER REGARDING FACTS AND CIRCUMSTANCES RELATING TO EXCHANGE ACT FILINGS


I, Jeffrey R. Leeds, Executive Vice President and Chief Financial Officer of
GreenPoint Financial Corp., state and attest that:


         (1)  To the best of my knowledge, based upon a review of the covered
         reports of GreenPoint Financial Corp., and, except as corrected or
         supplemented in a subsequent covered report:


              *       no covered report contained an untrue statement of a
                      material fact as of the end of the period covered by such
                      report (or in the case of a report on Form 8-K or
                      definitive proxy materials, as of the date on which it was
                      filed); and

              *       no covered report omitted to state a material fact
                      necessary to make the statements in the covered report, in
                      light of the circumstances under which they were made, not
                      misleading as of the end of the period covered by such
                      report (or in the case of a report on Form 8-K or
                      definitive proxy materials, as of the date on which it was
                      filed).

         (2)  I have  reviewed  the  contents  of this  statement  with the
         Audit  Committee  of the  GreenPoint  Financial  Corp.  Board of
         Directors.

         (3) In this statement under oath, each of the following, if filed on or
         before the date of this statement, is a "covered report":


             *        GreenPoint  Financial  Corp.'s  Annual  Report on Form
                      10-K for the  fiscal  year  ended  December  31,  2001
                      filed  with the Commission on March 29, 2002;

             *        all reports on Form 10-Q, all reports on Form 8-K and all
                      definitive  proxy  materials of GreenPoint  Financial
                      Corp.  filed with the Commission subsequent to the filing
                      of the Form 10-K identified above; and

             *        any amendments to any of the foregoing.



         /s/ Jeffrey R. Leeds                     Subscribed and sworn to
         -----------------------------------      before me this 9th day of
         Jeffrey R. Leeds                         August 2002.
         Executive Vice President and
         Chief Financial Officer
         GreenPoint Financial Corp.               /s/ Andy Occhino
         August 9, 2002                           ------------------
                                                  Notary Public
                                                  My Commission Expires: 8/18/02