Weekly Banking Bulletin

October 30, 2020

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

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

October 16, 2020 (MI-CRB)

GENERATIONS BANCORP NY, INC.
20 East Bayard Street, Seneca Falls, NY 13148

 

Application, pursuant to Section 143-b of the Banking Law, to acquire control of Generations Commercial Bank, Seneca Falls, New York, received.
The comment period on this application expires on November 30, 2020.


October 20, 2020 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish an electronic facility (automated teller machine) at 1 East Main Street, Corfu, Genesee County, NY 14036, received. (Notice of intention to close branch at this location received on September 17, 2020.)


October 20, 2020 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notices of intention to establish electronic facilities (automated teller machines) at the following five locations, received:

(1) 9013 Main Street, Town of Rushford, Allegany County, NY 14777;

(2) 12 Chapel Street, Town of Prattsburgh, Steuben County, NY 14873;

(3) 2202 Woodbury Pike, Loysburg, Bedford County, PA 16659;

(4) 631 Holly Pike, Mount Holly Springs, Cumberland County, PA 17065; and

(5) 255 South Lehigh Avenue, Frackville, Schuylkill County, PA 17931.

(Notices of intention to close branches at the above locations received on September 4, 2020.)

 


October 20, 2020 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Application dated October 20, 2020, for permission to open and occupy a branch office at The Shoppes at the Boulevard, William Floyd Parkway and Interstate 495, Yaphank (Unincorporated Area) Town of Brookhaven, Suffolk County, New York 11980, received:


October 26, 2020 (MI-CRB)
WAYNE BANK
717 Main Street, Honesdale, PA 18431

Notice of intention to establish an electronic facility (automated teller machine) at 93 Main Street, Narrowsburg, Town of Tusten, Sullivan County, New York 12764, received.

(Notice of intention to close branch at this location received on October 20, 2020.)


October 28, 2020 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Application dated October 28, 2020, for permission to open and occupy a branch office at 1289 Boston Post Road, Larchmont, Westchester County, New York 10538, received.


October 29, 2020 (SL-CEU)
UNISA INC.
7400 E Arapahoe Rd # 10, Centennial, CO 80112

Application for a license to engage in business as a student loan servicer, 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.


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

October 23, 2020 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
4312 8th Avenue, Brooklyn, NY 11232

October 26, 2020 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
959 South Coast Drive, Suite 490, Costa Mesa, CA 92626

October 26, 2020 (MB-MBD)
Full Service Branch
GR Affinity, LLC in lieu of Guaranteed Rate Affinity, LLC
2017 W Irving Park Road, Suite 2R, Chicago, IL 60618

October 28, 2020 (MB-MBD)
Full Service Branch
RealFi Home Funding Corp. D/B/A RHF Wholesale
11421 Cronhill Drive, Suite C, Owings Mills, MD 21117


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 #

Applicant Name

City

State

March 2, 2020

392435

Gregory Allen Patterson

Cherry Hill

New Jersey

March 17, 2020

1603222

Paul Cozzani

Islip

New York

May 13, 2020

1852052

Erika Patricia Boll

Manhattan Beach

California

August 3, 2020

1197757

Michael A. Fitzpatrick

Surfside Beach

South Carolina

August 18, 2020

1978177

Aaron Lawrence Iuteri

Northford

Connecticut

August 21, 2020

114957

Matthew Jenness

Southbury

Connecticut

September 1, 2020

1889505

Ryan Thomas Sicker

Rockville Centre

New York

September 21, 2020

1887661

Eddie Wong

Brooklyn

New York

September 23, 2020

295089

Deano Denville Tracey

Jamaica

New York

September 24, 2020

1987683

John Anthony Malone

River Vale

New Jersey

September 28, 2020

20762

Keith Michael Chabot

Stuart

Florida

September 28, 2020

725435

Charles Tineo

East Elmhurst

New York

September 29, 2020

2010125

Christopher Ostrowski

Plainview

New York

September 30, 2020

462564

Kevin L. Cartmill

Ithaca

New York

October 1, 2020

1452034

Tatiana Shumayev

North Brunswick

New Jersey

October 2, 2020

243445

Lyman Ernst King III

Jurupa Valley

California

October 2, 2020

1968593

Melinda Nneka Thomas

Rochester

New York

October 2, 2020

2029208

Chana Rachel Silberstein

Brooklyn

New York

October 5, 2020

60363

Adam Jay Copland

Greenwich

Connecticut

October 5, 2020

843765

Chad Anthony Standish

San Francisco

California

October 7, 2020

1893676

Brittany Rose Tarr

Elkridge

Maryland

October 13, 2020

1366432

Zachary Joseph Giambalvo

Ronkonkoma

New York

October 13, 2020

1746068

Samuel Hernandez Ramirez

Jamaica

New York

October 15, 2020

1812026

Kelly Elizabeth Stegeman

Columbia

Missouri

October 16, 2020

31482

Valentine Michael Manning

Levittown

New York

October 16, 2020

2021353

Martin Kohn

Valley Stream

New York

October 21, 2020

1883489

Michelle Fatima Shah

Eatontown

New Jersey

October 23, 2020

1992224

Kaitlyn Andre Arnold

Columbia

Missouri

SECTION II

May 29, 2020 (SF-LFS)
EXETER FINANCE LLC

2101 W. John Carpenter Freeway, Irving, Texas, 75063

License to engage in business as a Sale Finance Company at the following location was surrendered:
888 South 2000 East, Suites 100 & 200 North Tower, Clearfield, Davis County, Utah 84015


October 7, 2020 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue (Fourteenth Floor), New York, NY 10001

In accordance with Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the closing of branch office at 36-16/18 21st Street, Long Island City, Borough of Queens, City of New York 11106, will not result in significant reduction of financial services in the community affected.


October 14, 2020 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue (Fourteenth Floor), New York, NY 10001

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 4502 Fifth Avenue, Borough of Brooklyn, City of New York 11220, will not result in a significant reduction of financial services in the community to be affected.


October 14, 2020 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue (Fourteenth Floor), New York, NY 10001

Authorization granting permission to open and occupy branch office at 52 Broadway, Borough of Manhattan, City of New York 10004, surrendered for cancellation.

Office permanently discontinued as of September 25, 2020.


October 23, 2020 (LL-LFS)
EMEDA FINANCE CORPORATION

574 Midland Avenue, Richmond County, Staten Island, NY 10306

Application filed by EMEDA Finance Corporation to engage in doing business as a licensed lender at 574 Midland Avenue, Staten Island, NY 10306 was approved effective October 15, 2020.


October 26, 2020 (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 2212 Hylan Boulevard, Staten Island, Richmond County, City of New York 10306, surrendered for cancellation.
Office discontinued as of October 23, 2020.


October 26, 2020 (SB-CRB)
THE NORTH COUNTRY SAVINGS BANK
127 Main Street, Canton, NY 13617

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 83 Margaret Street, Plattsburgh, Clinton County, New York 12901 to 1 Broad Street, Plattsburgh, Clinton County, New York 12901, effective November 3, 2020.


October 28, 2020 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

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 12 Chapel Street, Town of Prattsburgh, Steuben County, New York 14873, will not result in a significant reduction of financial services in the community to be affected.

 

October 28, 2020 (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 an electronic facility (three automated teller machines) at Seneca One, 1 West Seneca Street, Buffalo, Erie County, NY 14203.

 

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

October 28, 2020 (MB-MBD)
Full Service Branch
Finance of America Mortgage LLC
30 Executive Park, Suite #120, Irvine, CA 92614

October 28, 2020 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
2 South Main Street, Suite D, Sayville, NY 11782


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

October 28, 2020 (MB-MBD)
FFC Mortgage Corp.
70 Linden Oaks, Suite 30, Rochester, NY 14625
Effective Date: October 7, 2020


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

October 23, 2020 (MB-MBD)
American Advisors Group, Inc.  D/B/A AAG
80 Iron Point Circle, Suite 110, Folsom, CA 95630
Effective Date: October 23, 2020


Mortgage Broker Certificate Address Changes:

October 27, 2020 (BR-MBD)
Heartland Mortgage Corp.
From: 146 East Main Street, Suite #3, East Islip, NY 11730
To: 30-97 Steinway Street Suite 207, Astoria, NY 11103


Mortgage Broker Branch Certificate Address Changes:

October 27, 2020 (BR-MBD)
THE MINT CAPITAL INC
From: 35 West Street, Unit 101, Office A, Spring Valley, NY 10977
To: 3611 14th Avenue, Suite 220, Brooklyn, NY 11218


Date Application Withdrawn

 

NMLS #

 

Applicant Name

 

City

State

October 26, 2020

2013783

Salvatore Marc Leanti

Rochelle Park

New Jersey