Weekly Banking Bulletin

August 16, 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 8, 2019 (SB-CRB)
APPLE BANK FOR SAVINGS
1395 Northern Boulevard, Manhasset, NY 11030

Application dated August 6, 2019 for permission 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, received.


August 12, 2019 (TR-CRB)
MANUFACTURERS & TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

Application dated August 9, 2019, for permission to open and occupy a branch office in Adele H. Stamp Student Union at 3972 Campus Drive, College Park, Prince George’s County, Maryland 20742, received.


August 12, 2019 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Notice of intention to establish an electronic facility (automated teller machine) at the St. Francis de Sales Octoberfest Event, 219 Beach 129th Street, Rockaway Beach, Borough of Queens, City of New York 11694, received. 

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


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

August 8, 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

August 9, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
2 Elm Square, Suite 203, Andover, MA 01810

August 14, 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 14, 2019 (MB-MBD)
Full Service Branch
NLC Loans in lieu of Nations Lending Corporation
520 White Plains Road, Suite 500, Office 5092, Tarrytown, NY 10591


Application received pursuant to Section 594-b of the New York Banking Law and Part 418 of the Superintendent's Regulations for a control interest:

August 14, 2019 (MS-MBD)
Applicant(s)
Freedom Mortgage Corporation
Stanley Craig Middleman
To acquire interest in:
RoundPoint Mortgage Servicing Corporation
5016 Parkway Plaza Blvd., Charlotte, NC 28217

August 14, 2019 (MS-MBD)
Applicant(s) Donald Robert Mullen
Jonathan Ezrow
Lee Michael Alexander
MVRE, LLC
Mortgage Solutions Holdings LLC
OFPI S.à r.l.
OFPI US Corp.
Opera Finance International SA
Pretium Holdings GP, LLC
Pretium Holdings, LP
Pretium Parent, LLC
Pretium Partners, LLC
Veronique Agnès Marie Beaufour
To acquire interest in:
Selene Finance LP
9990 Richmond Avenue, Suite 400 South, Houston, TX 77042


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

June 17, 2019

1836978

Bridget Nicole Prenatt

Pittsburgh

Pennsylvania

July 2, 2019

1019051

Javaro Levon Avery

Roosevelt

New York

July 5, 2019

1115876

Errol Emanuel Santos

New York

New York

July 12, 2019

1859586

Sobeida Marie Henriquez

Maricopa

Arizona

July 16, 2019

1871936

Francis J. Loscalzo

Huntington Station

New York

July 18, 2019

1851262

Lisa G. Stulz

Ronkonkoma

New York

July 19, 2019

13995

Renay Brandon

Albany

New York

July 19, 2019

1319527

Peter G. Papazoglou

Plainview

New York

July 22, 2019

1870595

Moshe Lebowitz

Brooklyn

New York

July 26, 2019

1868784

Ryan Lee Frizzell

Godley

Texas

July 26, 2019

1869465

Ahmed Ramsis Farag

Irving

Texas

July 26, 2019

1869650

Khushboo Sanjay Jaiswal

Arlington

Texas

July 28, 2019

1319796

Yehuda Berger

Spring Valley

New York

July 29, 2019

1320452

Zev Spitzer

Spring Valley

New York

July 31, 2019

1857190

Michelle Julenie Chacon

Bronx

New York

July 31, 2019

1866321

Danette Duggan

Massapequa Park

New York

August 1, 2019

1085773

Sanja Vuticevski

Cape Coral

Florida

August 1, 2019

1133112

Jason H. Rios

Cape Coral

Florida

August 1, 2019

1561744

Joseph Anthony Welninski

Chicago

Illinois

August 1, 2019

1839961

Lucas Anthnony Gross

Cape Coral

Florida

August 6, 2019

132635

Mary Albanese

Forked River

New Jersey

August 6, 2019

969389

Paul Christopher Echols

Weston

Florida


SECTION II

August 9, 2019 (BK-CRB)
HANOVER COMMUNITY BANK
2131 Jericho Turnpike, Garden City Park, NY 11040
CHINATOWN FEDERAL SAVINGS BANK
109 Bowery, New York, NY 10002

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 5:01 p.m., August 9, 2019, Agreement and Plan of Merger, dated as of September 20, 2018, and other required documents, providing for the merger of Chinatown Federal Savings Bank with and into Hanover Community Bank, under the name Hanover Community Bank.

The following banking offices of Chinatown Federal Savings Bank have become branch offices of Hanover Community Bank:

109 Bowery, Borough of Manhattan, City of New York 10002
172 ½ Canal Street, Borough of Manhattan, City of New York 10013
5512 8th Avenue, Borough of Brooklyn, City of New York 11220


August 9, 2019 (TR-CM)
BAKKT TRUST COMPANY LLC (TR-CM)
55 East 52nd Street, 41st floor New York, NY 10055

Articles of Organization approved and filed.


August 12, 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

Application, pursuant to Section 601-b of the New York Banking Law, to merge Premier National Investment Company, Inc. with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company, approved.


August 12, 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

Application, pursuant to Section 601-b of the New York Banking Law, to merge M&T Real Estate Trust with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company, approved.


August 13, 2019 (TR-FWB)
DEUTSCHE BANK TRUST COMPANY AMERICAS
60 Wall Street, New York, NY 10005

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 345 Park Avenue, Borough of Manhattan, City of New York 10154, will not result in a significant reduction of banking services in the community to be affected.


August 13, 2019 (tr-CRB)
THE BANK OF CASTILE
50 North Main Street, Castile, NY 14427

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 38 South Main Street, Churchville, Monroe County, NY 14428, will not result in a significant reduction of banking services in the community to be affected.


August 13, 2019 (tr-CRB)
THE BANK OF CASTILE
50 North Main Street, Castile, NY 14427

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 3768 Main Street, Retsof, Town of York, Livingston County, New York 14539, will not result in a significant reduction of banking services in the community to be affected.


August 13, 2019 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017

Approval given to change the location of principal office from 511 Fifth Avenue, Borough of Manhattan, City of New York 10017 to 1114 Avenue of the Americas, Borough of Manhattan, City of New York 10036, on or after August 14, 2019.


August 15, 2019 (MI-CRB)
INVESTORS BANK
101 JFK Parkway, Short Hills, New Jersey, 07078

Authorization issued to open and occupy a branch office at 236 Broadway, Borough of Brooklyn, City of New York 11211, on or after August 16, 2019.


August 15, 2019 (TR-CM)
BAKKT TRUST COMPANY LLC (TR-CM)
55 East 52nd Street, 41st floor New York, NY 10055

Application for exemption from the deposit insurance requirements of Section 32 of the Banking Law approved.


August 15, 2019 (TR-CM)
BAKKT TRUST COMPANY LLC (TR-CM)
55 East 52nd Street, 41st floor New York, NY 10055

Authorization Certificate issued.


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

August 14, 2019 (MB-MBD)
NLC Loans in lieu of Nations Lending Corporation
4 Summit Park Drive, Suite 200, Independence, OH 44131


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

August 8, 2019 (BR-MBD)
City Lending Inc D/B/A Be In Mortgage
8150 Leesburg Pike # 405, Vienna, VA 22182

August 14, 2019 (BR-MBD)
IP Advisors, Inc.
20101 SW Birch Street, Suite 150F, Newport Beach, CA  92660


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

August 14, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
307 Waverley Oaks Road, Ste 409, Waltham, MA 02452

August 14, 2019 (MB-MBD)
Full Service Branch
CMG Mortgage, Inc.
3820 Northdale Blvd, Suite 312 B, Tampa, FL 33624

August 14, 2019 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
74 Batterson Park Road, Suite 240, Farmington, CT 06032

August 14, 2019 (MB-MBD)
Full Service Branch
Paragon Home Loans Inc.
1159 Pittsford Victor Rd, Suite 210, Pittsford, NY 14534

August 14, 2019 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
56 Center Street, Third Floor, Southington, CT 06489

August 14, 2019 (MB-MBD)
Full Service Branch
SoFi Lending Corp.
3960 Howard Hughes Parkway, Suite #480, Las Vegas, NV 89169


Mortgage Banker License Name Changes:

August 12, 2019 (MB-MBD)
From: WEI Mortgage LLC
To: Arc Home LLC


Mortgage Broker Certificate Address Changes:

August 12, 2019 (BR-MBD)
All County Capital Corp. D/B/A Scott Capital Group
From: 32 Union Square East, Suite 800, New York, NY 10003
To: 185 Wythe Avenue, Suite 94, Brooklyn, NY 11249

August 14, 2019 (BR-MBD)
Sequoia Agency LLC
From: 150 4th Avenue, Suite D, Brooklyn, NY 11217
To: 2061 Deer Park Avenue, Suite 7, Deer Park, NY 11729


Mortgage Loan Servicer Certificate Address Changes:

August 12, 2019 (MS-MBD)
Fay Servicing, LLC
From: 3000 Kellway Drive, Suite 150, Carrollton, TX 75006
To: 1601 Lyndon B. Johnson Freeway, Suite 500, Farmers Branch, TX 75234


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 8, 2019

254506

Kyle Fredrick Gunderlock

Orange

California

August 8, 2019

1743143

Kaitlyn Marie Baxter

Lincoln Park

Michigan

August 8, 2019

1782994

Stephen Carter Ross

Clawson

Michigan

August 9, 2019

285668

Yordanis Perez

West Palm Beach

Florida

August 14, 2019

662195

Kristie Marie Fulte

Highlands Ranch

Colorado


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 9, 2019

4163

Janice Sue Kindel

Flower Mound

Texas

PHH Mortgage Corporation

August 9, 2019

6674

Kwan Sen Pang-Kok

Valley Stream

New York

loanDepot.com, LLC

August 9, 2019

9267

Sean Holden Baker

Northport

New York

Mortgage One, Inc.

August 9, 2019

9325

Gerald Lamar Glover

Jacksonville

Florida

Carrington Mortgage Services, LLC

August 9, 2019

12171

Erin Kay Spears

Orange Park

Florida

Carrington Mortgage Services, LLC

August 9, 2019

16053

Lissette Del Valle Sissa

Manhasset

New York

Meadowbrook Financial Mortgage Bankers Corp.

August 9, 2019

37772

James D. Murawski

Orchard Park

New York

Everett Financial, Inc.

August 9, 2019

56367

Barry Alan Hare

Boynton Beach

Florida

Jet Direct Funding Corp.

August 9, 2019

68026

Steven J. Sovare

Webster

New York

Hornet Holdings, LLC

August 9, 2019

158840

Ronald Charles Tobin

Exton

Pennsylvania

NewRez LLC

August 9, 2019

169220

Matthew Stephen Lugas

Philadelphia

Pennsylvania

American Neighborhood Mortgage Acceptance Company, LLC

August 9, 2019

212509

Susannah Katherine Ruby

Raleigh

North Carolina

NewRez LLC

August 9, 2019

244657

Thomas Alummootil

Teaneck

New Jersey

Luxury Mortgage Corp.

August 9, 2019

389563

Andrew Michael Tyler

Raleigh

North Carolina

NewRez LLC

August 9, 2019

745515

Lyamber Zorana Nguyen Welsh

Orlando

Florida

Digital Risk Mortgage Services, LLC

August 9, 2019

800767

Lorie Lynn Converse

Watertown

New York

1st Priority Mortgage, Inc.

August 9, 2019

1008557

Tracy Ann Bouslog

Anderson

Indiana

Royal United Mortgage, LLC

August 9, 2019

1013065

Jaclynn Alves

Danbury

Connecticut

Housing Development Fund, Inc.

August 9, 2019

1156521

Tzvi Hirsch Pal

New York

New York

Guaranteed Rate, Inc.

August 9, 2019

1231673

Amber Nicole Christopher

Middletown

Connecticut

Sourcepoint, Inc.

August 9, 2019

1247511

Benzion Perl

Brooklyn

New York

BSD Funding, LLC

August 9, 2019

1312266

Kiera Earleen Florka

Clawson

Michigan

Premia Mortgage, LLC

August 9, 2019

1472255

David Fensterstock

Melville

New York

Lakeview Mortgage Bankers Corp.

August 9, 2019

1498089

Erica Kathlene Patton

Princeton

Texas

PHH Mortgage Corporation

August 9, 2019

1507622

Valdo Lucien Prince

Jacksonville

Florida

Carrington Mortgage Services, LLC

August 9, 2019

1509658

Sarquese Tiara Williams

Wayne

Michigan

One Reverse Mortgage, LLC

August 9, 2019

1516066

Clifford Pierre

North Baldwin

New York

Reliant Home Funding, Inc.

August 9, 2019

1519359

Matthew Edward McCarthy

West Islip

New York

NewRez LLC

August 9, 2019

1520569

Shane Kingston Doumani

Orange

California

Network Capital Funding Corporation

August 9, 2019

1522595

Wanda Ivette Camacho

Lake Worth

Florida

PHH Mortgage Corporation

August 9, 2019

1542879

Josue Vega

Sinking Spring

Pennsylvania

loanDepot.com, LLC

August 9, 2019

1610228

Cynthia Sue Rohlen

Concord

North Carolina

NewRez LLC

August 9, 2019

1616121

Nicole Lorraine Pelosi

West Caldwell

New Jersey

Kwik Mortgage Corporation

August 9, 2019

1633917

Jodi Goodwin

Phoenix

Arizona

Carrington Mortgage Services, LLC

August 9, 2019

1667531

Zhanjing Lin

Floral  Park

New York

Homebridge Financial Services, Inc.

August 9, 2019

1708121

Patrick Ryan Rader

Baltimore

Maryland

NewRez LLC

August 9, 2019

1713891

Aser Radwan

Herndon

Virginia

Guidance Residential, LLC

August 9, 2019

1728504

Andrew Jay Stout

Baltimore

Maryland

NewRez LLC

August 9, 2019

1729529

Nicholas J. Vitale

Staten Island

New York

CrossCountry Mortgage, Inc.

August 9, 2019

1742012

Steven Joseph Malizia

Wappingers Falls

New York

State Farm Bank, FSB

August 9, 2019

1747881

Marvin Hernandez

Coconut Creek

Florida

PHH Mortgage Corporation

August 9, 2019

1756288

Desmond French Budwah

Pembroke Pines

Florida

PHH Mortgage Corporation

August 9, 2019

1779716

Jie Yan Chen

Little Neck

New York

Canyon Mortgage Corp.

August 9, 2019

1785578

Solihin Tjihaja

Great Neck

New York

Galaxy Lending Corporation

August 9, 2019

1801059

Stephen Neil Buckley

Davie

Florida

PHH Mortgage Corporation

August 9, 2019

1808406

Camille C. Ricks

Corona

New York

CGAP, Inc.

August 9, 2019

1812665

Mitchell Arlen Levine

Tenafly

New Jersey

Cityscape Mortgage Corp.

August 9, 2019

1828484

Mark R. Stordeur

Long Beach

New York

Riverside Funding Corp.

August 9, 2019

1830953

Taylor Zeke Petty

Danbury

Connecticut

Homestead Funding Corp.

August 9, 2019

1835682

Julie Lynn Jesmer

Baldwinsville

New York

Hunt Mortgage Corporation

August 9, 2019

1842885

Vishnu Aggarwal

Richmond Hill

New York

Mortgage Unlimited, LLC

August 9, 2019

1844208

Darren Michael Gang

Plainview

New York

Backyard Mortgage Corp.

August 9, 2019

1845600

Kim Michelle Jackson

Long Beach

New York

Contour Mortgage Corporation

August 9, 2019

1849287

Jason Philip Schneider

Oceanside

New York

Freedom Mortgage Corporation

August 9, 2019

1852017

Melissa Janelle Hamblen

Westbury

New York

Everett Financial, Inc.

August 9, 2019

1854698

Sudhir Gupta

Kew Gardens

New York

Allied Mortgage Group, Inc.

August 9, 2019

1855176

Kennadie Alexis Lawson

Lebanon

Ohio

Royal United Mortgage, LLC

August 9, 2019

1857834

Yisroel Yitzchak Neustein

Brooklyn

New York

Astar Home Capital Inc

August 9, 2019

1859883

Tzvi Balsam

Brooklyn

New York

Onyx Equity Partners Corp.

August 9, 2019

1867214

Cole Hunter Abram

Columbia

Missouri

Mortgage Research Center, LLC

August 13, 2019

58217

Vivian Marie Castner

Tampa

Florida

Homestead Funding Corp.

August 13, 2019

58811

Ann Marie Manfredi

Mount Pleasant

South Carolina

Caliber Home Loans, Inc.

August 14, 2019

376092

Benjamin Ezra Kaplan

Ferndale

Michigan

Quicken Loans Inc.

August 14, 2019

957240

Harry Jason Shina

Keego Harbor

Michigan

Quicken Loans Inc.

August 14, 2019

1637329

Michael Austin Motloch

New Baltimore

Michigan

Quicken Loans Inc.

August 14, 2019

1642645

Jacob Donald Klinck

Clinton Township

Michigan

Quicken Loans Inc.

August 14, 2019

1738496

Mohamad Ali Baydoun

Dearborn Heights

Michigan

Quicken Loans Inc.

August 14, 2019

1803695

Andrea Denise Wilson

Redford

Michigan

Quicken Loans Inc.

August 14, 2019

1813426

Jacob Knopp

Cleveland

Ohio

Quicken Loans Inc.

August 14, 2019

1834832

Geoffrey Thomas Secorski

Warren

Michigan

Quicken Loans Inc.

August 14, 2019

1845177

Donavon Ali Kolley

Grosse Pointe

Michigan

Quicken Loans Inc.

August 14, 2019

1845216

Daniel Ray Thomas

Detroit

Michigan

Quicken Loans Inc.

August 14, 2019

1845248

Elizabeth Ann Tomaszycki

New Baltimore

Michigan

Quicken Loans Inc.

August 14, 2019

1845283

Pietro Victor Moran

Royal Oak

Michigan

Quicken Loans Inc.

August 14, 2019

1845301

Ann Elizabeth Noetzel

Detroit

Michigan

Quicken Loans Inc.

August 14, 2019

1845392

Christopher Ross Oswalt

Flat Rock

Michigan

Quicken Loans Inc.

August 14, 2019

1845412

Allison Gabrielle Pasque

Clinton Township

Michigan

Quicken Loans Inc.

August 14, 2019

1845493

Nicholas Murray Richmond

Garden City

Michigan

Quicken Loans Inc.

August 14, 2019

1845733

Ibrahim Ali Abdallah

Dearborn

Michigan

Quicken Loans Inc.

August 14, 2019

1845747

Marc Louis Alioa

Farmington Hills

Michigan

Quicken Loans Inc.

August 14, 2019

1845757

Ryan Lawrence Ault

South Euclid

Ohio

Quicken Loans Inc.

August 14, 2019

1845796

Brandon Raymond Stringer

Lincoln Park

Michigan

Quicken Loans Inc.

August 14, 2019

1845812

Jarret Nicholas Chapman

Eastpointe

Michigan

Quicken Loans Inc.