Weekly Banking Bulletin

August 30, 2019

SECTION I

This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services.   Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking are listed at the end of Section I by type of application or notice.  THE WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS THAT WILL BE ISSUED BY THE DEPARTMENT.  Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Department within 10 calendar days of the date of this bulletin, unless a different time period is specified in the item.  More specifically, such comments or objections, including any that concern CRA-related applications, should be either  (a) delivered by mail or in person to Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to [email protected].

SECTION II

This section records actions taken by the Superintendent of Financial Services, and other information concerning the activities of the Banking Division of the Department of Financial Services.  Actions relating to institutions supervised by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of action; actions relating to institutions supervised by Mortgage Banking are listed at the end of Section II by type of action taken.

GENERAL INFORMATION

Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a three-letter code indicating the unit of the Department which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:

Institution Codes

BK Bank MB Mortgage Banker
BP Budget Planner BR Mortgage Broker
CC Check Casher MS Mortgage Servicer
CU Credit Union PF Premium Finance Agency
FA Foreign Agency PB Private Banker
FB Foreign Branch SD Safe Deposit Company
FR Foreign Representative Office SF Sales Finance Agency
HC Holding Company SL Savings and Loan Association
IC Investment Company SB Savings Bank
LL Licensed Lender TM Transmitter of Money
MK Merchant Bank TR Trust Company
MI Miscellaneous VC Virtual Currency

Regulatory Unit Codes

CM Capital Markets
CRB Community and Regional Banks
CEU Consumer Examination Unit
FWB Foreign and Wholesale Banks
LFS Licensed Financial Services
MBD Mortgage Banking

SECTION I

August 23, 2019 (CU-CRB)
NORTHERN CREDIT UNION
120 Factory Street, Watertown, NY  13601

Application dated August 12, 2019, for permission to open and maintain a station at 256 East Orvis Street, Massena, NY  13662, received.


August 27, 2019 (BK-FWB)
WOORI AMERICA BANK
330 Fifth Avenue, New York, NY 10001

Application dated August 23, 2019, for permission to open and occupy a branch office at 2408 S. Stemmons FWY, Suite 102-105, Lewisville, Denton County, Texas 75067, received.


August 27, 2019 (TM-LFS)
TIJARI HOLDING CORP. OF NEW YORK, INC. DBA DIRHAM EXPRESS
108 W 39th Street – Suite 1115, New York, NY 10018

Notification received for the change of location from 108 W 39th Street – Suite 1115, New York, NY 10018 to 25-29 Steinway Street, Astoria, NY 11103.

The publication of receipt of this notification does not indicate that the notification is deemed complete. A notification is deemed complete and filed when all required and requested information has been provided to the Department by the licensee.


August 28, 2019 (TM-LFS)
ATLANTIC XCHANGE LLC
5846 Schaefer Road, Dearborn, Michigan 48126

Application for a license to engage in business as a transmitter of money, received.

The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.


August 30, 2019
ORDER UNDER SECTION 12-a OF THE NEW YORK BANKING LAW

Notice of intent to issue an order pursuant to Section 12-a of the Banking Law to allow a qualified New York State-chartered credit union (as defined below, a “Qualified Credit Union”) to permit an officer or employee to borrow directly or indirectly on an unsecured basis, or become surety for an unsecured loan or advance made by such Qualified Credit Union, where such loan or advance or aggregate loans or advances exceed $20,000, without regard to the requirement for approval by a majority of the entire board of directors as set forth in Section 456.4 of the Banking Law.  As used herein, a Qualified Credit Union is a New York State-chartered credit union which: (i) has assets of at least $10 million; (ii) at its most recent prior examination, had a CAMEL rating of 1 or 2 in both the management component and the composite ratings; (iii) is “well capitalized” under the National Credit Union Administration’s regulations in 12 CFR Part 702; and (iv) is not operating under a formal or informal enforcement action or administrative order, including, but not limited to, a memorandum of understanding, cease and desist order, letter of understanding and agreement, preliminary warning letter or prompt corrective action directive.

The comment period on this notice will expire September 30, 2019.


Application to establish a Mortgage Loan Servicer’s Branch received for examination:

August 22, 2019 (MS-MBD)
Full Service Branch
Compu-Link Corporation D/B/A Celink
101 West Louis Henna Blvd, Suite 450, Austin, TX 78728


Mortgage Banker License Name Change Received:

August 23, 2019 (MB-MBD)
From: Hunt Mortgage Corporation
To: Hunt Mortgage Corporation D/B/A Mach 1 Mortgage


Article 12-E Applications received.  Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.  They must also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

DATE OF APPLICATION NMLS NO. NAME OF APPLICANT CITY STATE

March 21, 2019

1570687

Melissa Sidoti

Aberdeen

New Jersey

June 13, 2019

236079

Patrick David Hager

Jacksonville Beach

Florida

June 20, 2019

759800

Mark Radtke

Watauga

Texas

July 9, 2019

1784934

Robert Busam

Jericho

New York

July 16, 2019

1863813

Ari Benjamin Lichtman

Far Rockaway

New York

July 19, 2019

1766338

Junaid Masood Choudhary

Smithtown

New York

July 23, 2019

1695646

Abraham Joshua Weberman

Monore

New York

July 26, 2019

1753674

Christophe Duval Pierre-Louis

Rosedale

New York

August 1, 2019

297995

Jason Scott Eichmiller

Ambler

Pennsylvania

August 1, 2019

1744921

Rasika C. Sinhara Mudalige

Staten Island

New York

August 1, 2019

1877367

Earl Edgerton Satahoo

Brooklyn

New York

August 2, 2019

1182461

Charlton Rodriguez

Ozone Park

New York

August 6, 2019

1523176

Laury Maria Hernandez

Wellington

Florida

August 7, 2019

210052

Kim Lieu Huynh

Fountain Valley

California

August 8, 2019

1863007

Brantley Kellison Griffin

Irving

Texas

August 8, 2019

1868830

Brandon Chance Kaylor

Dallas

Texas

August 8, 2019

1868857

Christopher Cody London

Godley

Texas

August 12, 2019

54685

Stephen David Edenbaum

Hollywood

Florida

August 12, 2019

356114

Daniel Morris Maggin

Kensington

Maryland

August 13, 2019

1875914

James Coyne

Yonkers

New York

August 14, 2019

1866826

David Alan Holbrook

Cleveland

Ohio

August 14, 2019

1867171

Julie Christine Zalar

Fairport Harbor

Ohio

August 16, 2019

1034846

Stephen David Remington

Prosper

Texas

August 16, 2019

1790932

John Jimenez

South Hempstead

New York

August 16, 2019

1884027

Ting Shiu Kevin Ng

Manhasset

New York

August 20, 2019

1582935

Charles Taylor Williams

Fishers

Indiana

August 20, 2019

1654612

Vincent Michael Dispigno

Lake Grove

New York

August 21, 2019

1827824

Irma Garcia Morfa

West Palm Beach

Florida

August 21, 2019

1855491

Cody Michael Marts

Willoughby

Ohio

August 21, 2019

1855498

Margaret Katherine Milford

Westlake

Ohio

August 21, 2019

1873236

Rona Yen

Massapequa

New York

August 22, 2019

1866434

Auburn Anne Truskowski

Columbia

Missouri

August 22, 2019

1881955

Dasmin Arteaga DaCosta

Taunton

Massachusetts

August 22, 2019

1882017

John McKinley Bunch

Columbia

Missouri


SECTION II

August 6, 2019 (SF-LFS)
EXETER FINANCE LLC  
2101 W. John Carpenter Freeway, Irving, Texas, 75063 

License rider was issued to reflect the change of main address from 222 W. Las Colinas Blvd., Suite 1800, Irving, Texas, 75039 to 2101 W. John Carpenter Freeway, Irving, Texas, 75063


August 23, 2019 (TR-CRB)
FLUSHING BANK
260 East RXR Plaza, Uniondale, NY 11556

Authorization issued to open and occupy a branch office at 268 North Broadway, Store 1, Hicksville, Nassau County, NY 11801, on or after August 24, 2019.


August 26, 2019 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at the St. Francis de Sales Octoberfest Event, 219 Beach 129th Street, Rockaway Park, Borough of Queens, City of New York 11694.

(This a mobile facility which is to operate at the above event on October 4, 2019, and annually thereafter.)


August 26, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization granting permission to open and occupy a branch office at 186 Route 52, Carmel, Putnam County, NY 10512, surrendered for cancellation.

Office discontinued as of August 20, 2019.


August 26, 2019 (SB-CRB)
APPLE BANK FOR SAVINGS
1395 Northern Boulevard, Manhasset, NY 11030

Approval given to change the designation of principal office located at 1395 Northern Boulevard, Manhasset, Town of North Hempstead, Nassau County, New York 11030 to that of branch office and of branch office located at 122 East 42nd Street, Borough of Manhattan, City of New York 10168 to that of principal office.


August 27, 2019 (BK-CEU)
BANK OF AKRON
46 Main Street, Akron, NY  14001

 

Application accepted on August 27, 2019, pursuant to Section 96-d of the Banking Law, for the designation of the Town of Wilson, (Niagara County), New York, as a Banking Development District.  The co-applicant is the Town of Wilson.


August 27, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following four locations, surrendered for cancellation:

  1. 45 Outwater Lane, Garfield, Bergen County, NJ 07026;
  2. 89 Interstate Shopping Center, Ramsey, Bergen County, NJ 07446;
  3. 408 East Madison Avenue, Dumont, Bergen County, NJ 07628; and
  4. 210 Enterprise Drive, Rockaway, Morris County, NJ 07866.

Offices discontinued as of August 20, 2019, August 21, 2019, August 22, 2019, and August 23, 2019, respectively.


August 27, 2019 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 4055 Merrick Road, Seaford, Nassau County, NY 11783 will not result in a significant reduction of banking services in the community to be affected.


August 27, 2019 (TR-CRB)
MANUFACTURERS & TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

Authorization issued to open and occupy a branch office in Adele H. Stamp Student Union, 3972 Campus Drive, College Park, Prince George’s County, Maryland 20742, on or after August 28, 2019.


August 27, 2019 (TM-LFS)
ENVIOS DE VALORES LA NACIONAL CORP. DBA LA NACIONAL
7901 Southpark Plaza, Suite 216, Littleton, Colorado 80120

Application for use of the dba La Nacional was approved effective August 26, 2019.


August 28, 2019 (TM-LFS)
REALPAGE PAYMENT SERVICES LLC D/B/A RESIDENTDIRECT
2201 Lakeside Boulevard, Richardson, Texas 75082

This entity has been authorized to use the d/b/a ResidentDirect.


August 30, 2019 (CC-LFS)
PLS CHECK CASHER OF NEW YORK, INC.
80-02 Kew Gardens Road, 6th Floor, Suite 603, Kew Gardens, NY 11415

Effective August 26, 2019, license to engage in business as a casher of checks for the branch located at 906 Fulton Street, Brooklyn, NY 11238 was surrendered.


Application to assume inactive status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

August 22, 2019 (BR-MBD)
Allnet Group, Inc.
100 Crossways Park Drive West, Suite 402, Woodbury, NY  11797-2012
Effective Date:  August 9, 2019


License issued to engage in the business as a Mortgage Banker Branch under Article 12-D of the New York State Banking Law:

August 28, 2019 (MB-MBD)
Full Service Branch
NJ Lenders Corp. D/B/As:
Home Owners Mortgage Express
Silver Bay Lending
219 Paterson Avenue, Suite 5, Little Falls, NJ 07424

August 28, 2019 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/A Americasa Home Loans
3031-3039 Valentine Ave, Store # 4, Bronx, NY 10458


License to engage in the business of a Mortgage Banker surrendered:

August 23, 2019 (MB-MBD)
Kittredge Mortgage Corporation
123 Bonnet Street, Manchester, VT 05254
Effective Date: August 19, 2019


Certificate to engage in the business of a Mortgage Loan Servicer surrendered:

August 28, 2019 (MS-MBD)
LongVue Mortgage Capital, Inc.
895 Dove Street, Suite 125, Newport Beach, CA 92660
Effective Date: August 15, 2019


License to engage in the business of a Mortgage Banker Branch surrendered:

August 28, 2019 (MB-MBD)
American Neighborhood Mortgage Acceptance Company, LLC D/B/As:
AnnieMac Home Mortgage
LOFIDIRECT
401 Hackensack Avenue, Suite 804, 8th Floor, Hackensack, NJ 07601
Effective Date: August 28, 2019


Applications for licensing as a Mortgage Loan Originator under Article 12-E of the New York Banking Law, WITHDRAWN.  The individuals listed may not engage in mortgage loan origination activity in New York State or on New York State residential property:

DATE APPLICATION WITHDRAWN NMLS NO. NAME OF APPLICANT CITY STATE

August 22, 2019

1794270

Nyieasha Janelle Moore

Lake Orion

Michigan


Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law.

DATE OF APPROVAL NMLS NO. NAME OF APPLICANT CITY STATE SPONSORING ENTITY

August 21, 2019

55343

Ron Bork

Palm Harbor

Florida

CMG Mortgage, Inc.

August 21, 2019

113113

Craig Gilbert Taylor

Simsbury

Connecticut

Caliber Home Loans, Inc.

August 21, 2019

410852

Ernesta Verone Cornelius-Taylor

North Las Vegas

Nevada

SoFi Lending Corp.

August 21, 2019

484203

Richard Anthony Berardino

Sudbury

Massachusetts

Guaranteed Rate, Inc.

August 21, 2019

1171616

Gwen Bade

Southington

Connecticut

Envoy Mortgage, Ltd.

August 28, 2019

381326

Fernando Mauricio Ordonez

Aventura

Florida

The Q Kapital Group Corp