Weekly Banking Bulletin

September 6, 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

September 4, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish two electronic facilities (automated teller machines) at Rutter's Farm Store #41, 1621 West Cumberland Street, West Lebanon Township, Lebanon County, Pennsylvania 17042, received.


Application to establish a Mortgage Banker's Branch received for examination:

September 4, 2019 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
110 West Road, Suite 212, Towson, MD 21204

September 4, 2019 (MB-MBD)
Full Service Branch
Home Point Financial Corporation
2400 Maitland Center Parkway, Suite 300, Maitland, FL 32751

September 4, 2019 (MB-MBD)
Full Service Branch
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
332 Route 9, Suite 1A, Forked River, NJ 08731


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

November 1, 2018

31133

Richard J. Russell

Forest Hills

New York

May 17, 2019

210951

Anthony Barber

Manchester

New Jersey

June 21, 2019

1528159

Perla Janeth Gurrola

Phoenix

Arizona

July 5, 2019

597055

Suresh Balu

East Elmhurst

New York

July 15, 2019

1874651

Ken Thompson

Brooklyn

New York

July 17, 2019

98360

Christopher Howard Fox

Levittown

New York

July 30, 2019

1874025

Daniel Aryeh Alpert

Suffern

New York

August 13, 2019

1877068

Minhajul Azad

Clementon

New Jersey

August 15, 2019

918189

Kimberly Dunta Johnson

Frisco

Texas

August 19, 2019

1836666

Robert Charles Miller

Central Islip

New York

August 19, 2019

1876188

Steven Jeremy Rivera

Commack

New York

August 22, 2019

1881960

Ryan Clark Littrell

Hallsville

Missouri

August 23, 2019

1201051

Elena Daron Frac

Columbia

Maryland

August 23, 2019

1775835

Jericho James Rios

Mesa

Arizona

August 23, 2019

1838913

Johana J. Amaya

Uniondale

New York

August 23, 2019

1887732

Kevin Alonzo Almazan

Marshall

Missouri

August 26, 2019

1066856

Michael Christopher Busch

Lake Worth

Florida

August 27, 2019

1460021

Paul Joseph Fox

Bay Shore

New York

August 27, 2019

1845426

Steven Daniel Fohey

Wixom

Michigan

August 27, 2019

1855617

Kostandino Skordileva

Clinton Township

Michigan


SECTION II

August 29, 2019 (LL-LFS)
FLAGSHIP CREDIT ACCEPTANCE, LLC
3 Christy Drive - Suite 201, Chadds Ford, Delaware, Pennsylvania, 19317 

License was issued to reflect the change of location from 4602 E. University Drive, Suite 130, Phoenix, Arizona 85034 to 4415 S Wendler Drive, Suite 121, Tempe, Arizona 85282.

In connection with the above license issuance, the original license was surrendered.


August 30, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
PREMIER NATIONAL INVESTMENT COMPANY, INC.
One M&T Plaza, Buffalo, NY 14203

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 5:00 P.M., August 30, 2019, an Agreement and Plan of Merger, dated as of June 5, 2019, and other required documents, providing for the merger of Premier National Investment Company, Inc. with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company, to be effective September 1, 2019.


August 30, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
M&T REAL ESTATE TRUST
One M&T Plaza, Buffalo, NY 14203

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 5:00 P.M., August 30, 2019, an Agreement and Plan of Merger, dated as of June 5, 2019, and other required documents, providing for the merger of M&T Real Estate Trust with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company, to be effective September 1, 2019.


September 3, 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 3201 Lehigh Street, Allentown, Lehigh County, Pennsylvania 18103, surrendered for cancellation.

Office discontinued as of August 28, 2019.


September 3, 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 25 Indian Rock, Village of Montebello, Rockland County, New York 10901, surrendered for cancellation.

Office discontinued as of August 29, 2019.


September 3, 2019 (BP-LFS)
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE, INC.
6315 Hillside Court, Suite B, Columbia, MD 21046

The application in connection with the following change of assumed name and main office relocation was approved, effective September 3, 2019:

From: 
Consumer Credit Counseling Service of Maryland and Delaware, Inc. DBA Guidewell Financial Solutions
757 Frederick Road, 2nd Floor, Baltimore, MD 21228

To:
Consumer Credit Counseling Service of Maryland and Delaware, Inc. DBA CCCSMD
6315 Hillside Court, Suite B, Columbia, MD 21046


September 4, 2019 (MI-CRB)
HUDSON VALLEY FEDERAL CREDIT UNION
137 Boardman Road, Poughkeepsie, NY 12603

Application, pursuant to Section 486 of the Banking Law, for the conversion of Hudson Valley Federal Credit Union to a New York State-chartered credit union, under the name Hudson Valley Credit Union, with a field of membership which includes Westchester, Rockland, Putnam, Orange, Dutchess, Ulster, Columbia, Greene, Albany, Rensselaer, Saratoga, and Schenectady Counties, approved.


September 4, 2019 (PF-LFS)
IPFS OF NEW YORK, LLC
1055 Broadway, 11th Floor, Kansas City, Missouri 64105

The application for the relocation of a branch office was approved as follows, effective September 21, 2019:

From:  5000 Quorum Drive, Suite 110, Dallas, Texas 75254
To:  14180 North Dallas Parkway, Suite 320, Dallas, Texas 75254


September 4, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M & T Plaza, Buffalo, NY  14203
Applicant notified in writing that no objection will be interposed to the establishment of one electronic facility at each of the following four locations:

  1. University of Maryland, Ellicott Hall, 4052 Stadium Drive, College Park, Prince George’s County, Maryland 20742;
  2. University of Maryland, Lefrak Hall, 7251 Preinkert Drive, College Park, Prince George’s County, Maryland 20742;
  3. University of Maryland, Clarice Smith Performing Arts Center, 8270 Alumni Drive, College Park, Prince George’s County, Maryland 20742; and
  4. Rutter’s Farm Store #81, 15 New Enterprise Drive, Leesport, Ontelaunee Township, Berks County, Pennsylvania 19533.

Certificate issued to engage in the business as a Mortgage Loan Servicer under Article 12-D of the New York State Banking Law:

August 29, 2019 (MS-MBD)
MCLP Asset Company, Inc.
200 West Street, New York, NY 10282


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

August 29, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
2 Elm Square, Suite 203, Andover, MA 01810


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

September 4, 2019 (MB-MBD)
Guaranteed Rate, Inc.
177 Route 236, Halfmoon, NY 12065
Effective Date: August 26, 2019


Mortgage Banker Branch License Address Changes:

August 29, 2019 (MB-MBD)
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
From: 48 Willoughby Street, Suite 3A, Brooklyn, NY 11201
To: 3485 E. Tremont Avenue, Suite A, Bronx, NY 10465


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 30, 2019

65928

Kevin Maldonado

Yonkers

New York

RFA Capital Corp.

August 30, 2019

159695

Thomas Clarence Phillips

Hanover

Maryland

NewRez LLC

August 30, 2019

208077

Jeanie Jeffers Keith

Knoxville

Tennessee

21st Mortgage Corporation

August 30, 2019

380204

Jonathan Callahan Harriman

Elkridge

Maryland

NewRez LLC

August 30, 2019

409766

Laura Wei

Little Neck

New York

Ownit, LLC

August 30, 2019

484103

Michael Anthony Suffoletto

Andover

Massachusetts

Guaranteed Rate, Inc.

August 30, 2019

718783

Christopher Lynn Amorose

Grasonville

Maryland

NewRez LLC

August 30, 2019

915187

Michael David Espy

Carrollton

Texas

Nationstar Mortgage LLC

August 30, 2019

1036177

Yen-Yu Lin

Anaheim

California

Sun West Mortgage Company, Inc.

August 30, 2019

1094062

Angel Manuel Ramirez-Velez

Jacksonville

Florida

Freedom Mortgage Corporation

August 30, 2019

1144088

Damien Larry Harris

Livonia

Michigan

Quicken Loans Inc.

August 30, 2019

1286068

Edwin Figueroa

Bronx

New York

Finance of America Mortgage LLC

August 30, 2019

1404295

Jared Marshall Potok

Laguna Niguel

California

Nationstar Mortgage LLC

August 30, 2019

1510467

Jorge Luis Zuzunaga Del Pino

Rockville

Maryland

City Lending Inc

August 30, 2019

1522606

Felicita Nunez

West Palm Beach

Florida

PHH Mortgage Corporation

August 30, 2019

1522608

Brian Matthew Rollins

Cherry Hill

New Jersey

PHH Mortgage Corporation

August 30, 2019

1603095

Kimberley Ann Howse

Jamison

Pennsylvania

NewRez LLC

August 30, 2019

1605082

Suzanne Marie Milton

Orchard Park

New York

OwnersChoice Funding, Incorporated

August 30, 2019

1675068

Henry Joseph Welsby

Phoenix

Arizona

Carrington Mortgage Services, LLC

August 30, 2019

1675593

Lea Frederick Fitzgerald Lofton

Lumberton

New Jersey

NewRez LLC

August 30, 2019

1680429

Jason Kim

Fullerton

California

loanDepot.com, LLC

August 30, 2019

1698837

Rick Guillermo Chung

Fullerton

California

loanDepot.com, LLC

August 30, 2019

1699361

John Paul Chhay

Long Beach

California

Network Capital Funding Corporation

August 30, 2019

1707089

Paola Chavarriaga Munoz

Elizabeth

New Jersey

First Alliance Home Mortgage, LLC

August 30, 2019

1725652

Kyle Andrew Johnston

Reisterstown

Maryland

Carrington Mortgage Services, LLC

August 30, 2019

1736459

Nathan Brett Morris

Celina

Texas

Nationstar Mortgage LLC

August 30, 2019

1749300

Diego Rios

Holliswood

New York

Quik Fund, Inc.

August 30, 2019

1771382

Dalton Christopher Amez

New Baltimore

Michigan

Quicken Loans Inc.

August 30, 2019

1771495

Adam Jeffrey Scarzo

Indianapolis

Indiana

Royal United Mortgage, LLC

August 30, 2019

1812992

Anteria Allaha Jefferson

Canton

Michigan

Quicken Loans Inc.

August 30, 2019

1816720

Dino Anthony Palmieri

Oceanside

New York

United Mortgage Corp.

August 30, 2019

1828934

Sharon Joyce Vadney

Feura Bush

New York

OwnersChoice Funding, Incorporated

August 30, 2019

1835744

Rudy Pierre

Norwalk

Connecticut

Total Mortgage Services, LLC

August 30, 2019

1840819

Jacob Jaroslawitz

Bloomingburg

New York

Astar Home Capital Inc

August 30, 2019

1845481

Sarah Brooke Marmolejo

Phoenix

Arizona

Quicken Loans Inc.

August 30, 2019

1845830

Ahmad Haithem Musa

Rocky River

Ohio

Quicken Loans Inc.

August 30, 2019

1849990

Cody Lee Carder

Jefferson City

Missouri

Mortgage Research Center, LLC

August 30, 2019

1850353

Scott John Tetreault

Plattsburgh

New York

CrossCountry Mortgage, Inc.

August 30, 2019

1852384

Chavonn Nishino Whitener

Grand Prairie

Texas

Nationstar Mortgage LLC

August 30, 2019

1853437

Ronel Theron Correia

Queen Creek

Arizona

Nationstar Mortgage LLC

August 30, 2019

1855626

Michael Spelman

Brighton

Michigan

Quicken Loans Inc.

August 30, 2019

1856920

Joan Francis Sturgill

Goshen

Ohio

Royal United Mortgage, LLC

August 30, 2019

1857560

Matthew Lowell Hensley

Columbia

Missouri

Mortgage Research Center, LLC

August 30, 2019

1859623

Juan Ospina

Middle Village

New York

Finance of America Mortgage LLC

August 30, 2019

1859745

Kevin Ellis

East Patchogue

New York

Cardinal Financial Company, LP