Weekly Banking Bulletin

November 20, 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

November 13, 2020 (TM-LFS)
ZERO HASH LLC
2 N. LaSalle St., Suite 1400, Chicago, Illinois, 60602

Notification received for the change of location from 2 N. LaSalle St., Suite 1400, Chicago, Illinois, 60602 to 327 N. Aberdeen St. 1st Floor, Chicago, Illinois, 60607

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.


November 13, 2020 (TR-CRB)
THE ADIRONDACK TRUST COMPANY
473 Broadway, Saratoga Springs, NY 12866

Application dated November 13, 2020 for permission to change the location of branch office from 24 Maple Street, Glens Falls, Warren County, New York 12801 to 79 Main Street, Queensbury, Warren County, New York 12804, received.


November 16, 2020 (TM-LFS)
BILL.COM, LLC DBA BDC PAYMENT SERVICES, LLC
1810 Embarcadero Road, Palo Alto, California 94303

Notification received for the change of headquarter location from 1810 Embarcadero Road, Palo Alto, California 94303 to 6220 America Center Drive, Suite 100, San Jose, California 95002.

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.


November 17, 2020 (TM-LFS)
GOLDEN MONEY TRANSFER, INC.
739 4th Avenue, Suite 204 San Diego, CA 92101.

Application received for a license to engage in business as a transmitter of money at 739 4th Avenue, Suite 204 San Diego, CA 92101.

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.


November 17, 2020 (BK-CRB)
ALDEN STATE BANK
13216 Broadway, Alden, NY 14004

Application dated November 17, 2020, for permission to open and occupy a branch office at 6545 Transit Road, Town of Clarence, Erie County, New York 14051, received.


November 18, 2020 (BK-CRB)
EMPIRE STATE BANK
68 North Plank Road, Newburgh, NY 12550

Application dated November 17, 2020 for permission to change the location of branch office from 1361 North Railroad Avenue, Borough of Staten Island, City of New York 10306 to 2212 Hylan Boulevard, Borough of Staten Island, City of New York 10306, received.


Application to engage in the business of a Mortgage Broker under Article 12-D of the New York State Banking Law received for examination:

November 17, 2020 (BR-MBD))
Applicant(s))
Louis Lanni)
As: Certified Home Capital LLC)
244 Pettit Ave Unit 1, Bellmore, NY 11710

November 18, 2020 (BR-MBD)
Applicant(s)
Ioannis John Lagoudis
As: Ioannis Services Corp.
32-56 Steinway Street, Suite 501/ 5th Floor, Astoria, NY 11103

November 18, 2020 (BR-MBD)
Applicant(s)
Bharti Verma
Carol Ann Doyle
As: Expedient Options LLC

392 Hillside Avenue, Suite # 7, Williston Park, NY 11596*


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

November 16, 2020 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
1583 East Genesee Street, Office No 2, Skaneateles, NY 13152

November 16, 2020 (MB-MBD)
Full Service Branch
US Mortgage Corporation
1200 48th Avenue, Suite 201, Myrtle Beach, SC 29577

November 18, 2020 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC D/B/A MLB Mortgage
900 Wheeler Road, Unit #225, Haupaugge, NY 11788

November 18, 2020 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
1229 Route 300, Suite 3, Town of Newburgh, NY 12550

November 18, 2020 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
6001 W. William Cannon Drive, Suite 202, Austin, TX 78749

November 18, 2020 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
12777 Abbey Road, Unit A, North Royalton, OH 44133

November 18, 2020 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
550 Latona Road Bldg C Suite 301, Rochester, NY 14626


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

 

November 17, 2020 (BR-MBD) Full Service Branch
Haus Capital Corporation
500 Pearl Street, Suite 830, Buffalo, NY 14202


 

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

May 6, 2020

147219

Anthony Santiago

Howard Beach

New York

July 2, 2020

1878069

Solomon Berkovits

Monroe

New York

July 16, 2020

1636580

Ansar Ilyas Ahmad Khan

Doylestown

Pennsylvania

August 21, 2020

176414

Richard Anthony Walukewicz

East Rockaway

New York

August 25, 2020

5696

Peter Bitzas

Clearwater

Florida

August 26, 2020

991697

Matthew Elliot Victoria

Parlin

New Jersey

September 3, 2020

1149645

Claudia M. Villamar

North Bergen

New Jersey

September 11, 2020

1481229

Jacob Michael Holland

Reisterstown

Maryland

September 14, 2020

1123482

Robert Douglas Petty

New Albany

Ohio

September 16, 2020

1376319

Justin Scott Thompson

Jacksonville

Florida

September 24, 2020

727911

Yun Makolin

Woodside

New York

September 29, 2020

2039450

Andrew Richard Gunasingh

Staten Island

New York

October 1, 2020

2001775

Matthew George Morrison

Smithtown

New York

October 2, 2020

1184759

Tyron Bernard Armour

Swansea

Illinois

October 5, 2020

2037088

Omar Alex Scott

Brooklyn

New York

October 7, 2020

1897517

Michael Zurita

Wantagh

New York

October 8, 2020

1993853

Jacob Benjamin Marks

New York

New York

October 8, 2020

2034578

Hubert Hanks

Warners

New York

October 15, 2020

1954605

Bhogmattie Murray

Brooklyn

New York

October 19, 2020

1505421

Juan Taveras

Melville

New York

October 19, 2020

1966916

Joseph Thomas Mormino

New York

New York

October 21, 2020

1026960

Karamvir Singh Bajwa

Dix Hills

New York

October 22, 2020

514152

Dawn Richelle Ferreiro

Carrollton

Texas

October 22, 2020

2020298

Elyse Stark

Lido Beach

New York

October 23, 2020

945619

Jorge J. Ripalda

Levittown

New York

October 26, 2020

408794

Peter S. Mauro

Manalapan

New Jersey

October 26, 2020

1767222

Tara Aris

Springfield

New Jersey

October 27, 2020

2014199

Matthew Smith

Dix Hills

New York

October 27, 2020

2028282

Michael Andrew Rosendale

Media

Pennsylvania

October 28, 2020

1169448

David Charles Ryan

Brookhaven

Georgia

October 28, 2020

2002645

Andrew Justin Diaz

Commack

New York

October 28, 2020

2012965

Jason William Van Buren

Moreau

New York

October 28, 2020

2025300

Shlomy Wertzberger

Brooklyn

New York

October 29, 2020

2002088

Christian Dennis

Smithtown

New York

October 29, 2020

2011899

Gabriel Joshua Rahban

Plainview

New York

October 30, 2020

1073128

Lourdes Yuraima Woods

Charlotte

North Carolina

November 9, 2020

2049822

Kathleen Kirsten Ortiz

Queens Village

New York

November 9, 2020

2049877

Michael Jason Damiano

Glen Cove

New York

November 10, 2020

2027512

Adam Michael Concannon

Indianapolis

Indiana

November 10, 2020

2028950

Jacob Carston Boocher

Indianapolis

Indiana

SECTION II

November 12, 2020 (SB-CRB))
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Authorization issued 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, on or after November 13, 2020.


November 13, 2020 (PF-LFS)
IP PAYMENT PLAN INC.
204 Medford Avenue, Patchogue, New York 11772

The license to engage in business as a premium finance agency at the following location has been surrendered: 204 Medford Avenue, Patchogue, New York 11772

Effective September 21, 2020, IP Payment Plan Inc. is no longer authorized to conduct premium finance business in the State of New York.


November 17, 2020 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Authorization issued to open and occupy a branch office at 1289 Boston Post Road, Larchmont, Westchester County, New York 10538, on or after November 18, 2020.


November 18, 2020 (SF-LFS)
GLOBAL LENDING SERVICES LLC
1200 Brookfield Blvd., Ste. 300, Greenville, Greenville County, South Carolina 29607

Application filed by Global Lending Services LLC to engage in doing business as a Sales Finance Company pursuant to Article 11-B of the NYS Banking Law, was approved effective November 5, 2020.


November 18, 2020 (MI-CRB
S&T BANK
800 Philadelphia Street, Indiana, PA 15701

Notification received, in accordance with Supervisory Policy G 8, of the closing of the representative office at 242 W Main Street (Suite 102), Rochester, NY 14608, effective December 31, 2020.


November 19, 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 electronic facilities (automated teller machines) at the following six locations:

1. 9013 Main Street, Rushford, Allegany County, NY 14777; 2. 12 Chapel Street, Prattsburgh, Steuben County, NY 14873; 3. 1 East Main Street, Corfu, Genesee County, NY 14036; 4. 2202 Woodbury Pike, Loysburg, Bedford County, PA 16659; 5. 631 Holly Pike, Mount Holly Springs, Cumberland County, PA 17065; and 6. 255 South Lehigh Avenue, Frackville, Schuylkill County, PA 17931.


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

November 16, 2020 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC

959 South Coast Drive, Suite 490, Costa Mesa, CA 92626

November 16, 2020 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.

4312 8th Avenue, Brooklyn, NY 11232<

November 16, 2020 (MB-MBD)
Full Service Branch
PrimeLending, A PlainsCapital Company

18111 Preston Road, Suite 1050, Dallas, TX 75252

>November 18, 2020 (MB-MBD)
Full Service Branch
American Financial Network, Inc.

10 Executive Park Suite D, Halfmoon, NY 12065

November 18, 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

November 18, 2020 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation

8804 136th Street, 2nd Floor, Richmond Hill, NY 07512

Full Service Branch
RealFi Home Funding Corp. D/B/A RHF Wholesale

11421 Cronhill Drive, Suite C, Owings MIlls, MD 21117

>November 18, 2020 (MB-MBD)
Full Service Branch<
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW

460 Freedom Plains Road, Suite 1, Poughkeepsie, NY 12603


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

November 18, 2020 (MB-MBD)
Parkside Lending, LLC
368 Veterans Memorial Hwy., Suite 6, Commack, NY 11725


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 Arizona

 

NMLS #

 

Applicant Name

 

City

State

November 13, 2020

1387233

Armando Antonio Lopez

Tempe

 

November 18, 2020

1890208/p>

Michael Stephen Spence

Denver

Colorado