Weekly Banking Bulletin

January 8, 2021

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

December 23, 2020 (BK-CRB)
EMPIRE STATE BANK
68 North Plank Road, Newburgh, NY 12550

Application dated November 17, 2020, for permission to open and occupy a branch office at 1441 South Avenue, Borough of Staten Island, City of New York 10314, received.

January 5, 2021 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Notice of intention to close branch office at 1100 Mohawk Street, Utica, Oneida County, New York 13501, received.

The comment period on this notice will expire February 8, 2021.

January 5, 2021 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Application, pursuant to Section 162 of the Banking Law, to increase permanent capital from $605 million to $ $800 million, received. 

January 6, 2021 (TM-LFS)
EBAY COMMERCE INC.
2535 N. First Street, San Jose, California, 95131

Notification received for the change of location from 2535 N. First Street, San Jose, California, 95131 to 2065 Hamilton Avenue, San Jose, California, 95125.

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.

January 6, 2021 (SF-LFS)
AMERIFIRST HOME IMPROVEMENT FINANCE, LLC
11171 Mill Valley Road, Omaha, Douglas County, Nebraska 68154

Notification received for a change of name from AmeriFirst Home Improvement Finance, LLC   to AmeriFirst Home Improvement Finance, LLC U/A/N AmeriFirst Finance.    
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.

Application to engage in the business of a Mortgage Banker under Article 12-D of the New York Banking Law corrected to read as follows:

From:
December 30, 2020 (MB-MBD)
Applicant(s)
Brian Neil Gorgei
Christopher Michael Schiele
Richard Winston David
Ryan Patrick Bannahan
As: Legacy Lending Group in lieu of My Mortgage, Inc.  D/B/A Legacy Lending Group
2191 Defense Highway, Unit 304b, Crofton, MD 21114

To:
December 30, 2020 (MB-MBD)
Applicant(s)
Brian Neil Gorgei
Christopher Michael Schiele
Richard Winston David
Ryan Patrick Bannahan
As: Legacy Lending Group in lieu of My Mortgage, Inc.
2191 Defense Highway, Unit 304b, Crofton, MD 21114

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

January 6, 2021 (MB-MBD)
Full Service Branch
NLC Loans in lieu of Nations Lending Corporation
530 W. Spring Street, Suite 100, Columbus, OH 43215

January 6, 2021 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
521 Route 304, Building 1, Office 101, Bardonia, NY 10954

January 6, 2021 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
615 Elmwood Avenue, Buffalo, NY 14222

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
January 6, 2020

 

 202157

 

 Thomas J. Bepko

 

 Norwalk

 

 Connecticut

 
February 19, 2020

 

 1837599

 

 Matthew Raymond Olk

 

 Chicago

 

 Illinois

 
March 6, 2020

 

 1627961

 

 Paige Taylor Dwyer

 

 Chicago

 

 Illinois

 
September 16, 2020

 

 962607

 

 Thomas Robert Lade

 

 Powell

 

 Ohio

 
November 9, 2020

 

 46504

 

 Richard Steven Tschernia

 

 Point Lookout

 

 New York

 
November 9, 2020

 

 2015472

 

 Devorah Reinman

 

 Spring Valley

 

 New York

 
November 23, 2020

 

 921438

 

 William J. Lynch

 

 Glenmont

 

 New York

 
November 24, 2020

 

 88257

 

 Andrew Lee Abrams

 

 Bellmore

 

 New York

 
December 9, 2020

 

 233111

 

 David Adam Baum

 

 Freehold

 

 New Jersey

 
December 9, 2020

 

 1385430

 

 Matthew Howard Hartman

 

 Hamilton

 

 New Jersey

 
December 10, 2020

 

 2060195

 

 Binxin Cai

 

 Elmhurst

 

 New York

 
December 11, 2020

 

 160859

 

 Gregory Terell Morgan

 

 Piscataway

 

 New Jersey

 
December 15, 2020

 

 2058568

 

 Christopher James Nease

 

 Medford

 

 New York

 
December 16, 2020

 

 2059369

 

 Jimmy Zoitos

 

 Farmingdale

 

 New York

 
December 21, 2020

 

 2065590

 

 Haley Robin Lehman

 

 New York

 

 New York

 
December 28, 2020

 

 66858

 

 Denis Michael Clyne

 

 North Charleston

 

 South Carolina

 
December 30, 2020

 

 331352

 

 Irina Slyusarchuk

 

 Aventura

 

 Florida

 

SECTION II

December 15, 2020 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC
10 Elizabeth Street, River Edge, New Jersey 07661

The license to engage in business as a casher of checks at the following location was surrendered, effective October 3, 2020:
1526 Union Port Road, Bronx, NY 10462

December 21, 2020 (PF-LFS)
AFCO CREDIT CORPORATION
5600 North River Road, 4th Floor, Columbia Centre I, Rosemont, IL 60018

The licenses to engage in business as a premium finance agency at the following locations were surrendered, effective December 31, 2020:

Branch office:  1875 Lawrence Street, Suite 650, Denver, Colorado 80202
Branch office:  750 B Street, Suite 2400, San Diego, CA 92101

December 21, 2020 (PF-LFS)
AFCO PREMIUM CREDIT LLC
5600 North River Road, 4th Floor, Columbia Centre I, Rosemont, IL 60018

The license to engage in business as a premium finance agency at the following location was surrendered, effective December 31, 2020:

Branch office:  22522 29th Drive SE, Suite 212, Bothell, WA 98021

December 30, 2020 (BK-CRB)
THE BERKSHIRE BANK
4 East 39th Street, New York, NY 10016

Authorization granting permission to open and occupy a branch office at 60 Main Street, Bloomingburg, Sullivan County, New York 12721, surrendered for cancellation.

Office discontinued as of December 30, 2020.

December 31, 2020 (CU-CRB)
HUDSON RIVER FINANCIAL CREDIT UNION
3563 Mohegan Avenue, Mohegan Lake, NY 10547

The “Plan of Conversion of Hudson River Financial Federal Credit Union,” dated September 30, 2020, together with the “Organization Certificate of Hudson River Financial Credit Union,’’ were filed in the Office of the Superintendent of Financial Services, and an authorization certificate was issued in connection with the conversion of Hudson River Financial Federal Credit Union from  federal to State charter, pursuant to Section 486 of the Banking Law, under the name Hudson River Financial Credit Union.  The conversion became effective as of 6:00 p.m., December 31, 2020. 

2165 Route 9W | West Coxsackie, NY 1219212165 Route 9W | West Coxsackie, NY

December 31, 2020 (CU-CRB)12192

SUNMARK CREDIT UNION
1187 Troy Schenectady Road, Latham, NY 12110
HUDSON RIVER FINANCIAL CREDIT UNION
3563 Mohegan Avenue, Mohegan Lake, NY 10547

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the New York Banking Law, as of 6:01 p.m., December 31, 2020, a Plan of Merger, adopted as of July 1, 2020, and other required documents, providing for the merger of Hudson River Financial Credit Union with and into Sunmark Credit Union, under the name Sunmark Credit Union.  The following banking office of Hudson River Financial Credit Union has become a station of Sunmark Credit Union: 

3563 Mohegan Avenue, Mohegan Lake, Westchester County, New York 10547.

December 31, 2020 (CU-CRB)
COLUMBIA-GREENE CREDIT UNION
207A Green Street, Hudson, NY 12534

The “Plan of Conversion of Columbia-Greene Federal Credit Union,” dated May 11, 2020, together with the “Organization Certificate of Columbia-Greene Credit Union,’’ were filed in the Office of the Superintendent of Financial Services, and an authorization certificate was issued in connection with the conversion of Columbia-Greene Federal Credit Union from  federal to State charter, pursuant to Section 486 of the Banking Law, under the name Columbia-Greene Credit Union.  The conversion became effective as of 6 p.m., December 31, 2020. 

In addition to the principal office noted above, the credit union will maintain the following station:

12165 Route 9W, West Coxsackie, Greene County, New York 12192.

12165 Route 9W | West Coxsackie, NY 1219212165 Route 9W | West Coxsackie, NY 192

December 31, 2020 (CU-CRB)
SUNMARK CREDIT UNION
1187 Troy Schenectady Road, Latham, NY 12110
COLUMBIA-GREENE CREDIT UNION
207A Green Street, Hudson, NY 12534

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the New York Banking Law, as of 6:01 p.m. December 31, 2020, a Plan of Merger, adopted as of November 4, 2020, and other required documents, providing for the merger of Columbia-Greene Credit Union with and into Sunmark Credit Union, under the name Sunmark Credit Union.  The following banking offices of Columbia-Greene Credit Union have become stations of Sunmark Credit Union:

20A7 Green Street, Hudson, Columbia County, New York 12534
12165 Route 9W, West Coxsackie, Greene County, New York 12192.

January 4, 2021 (TR-CRB)
THE ADIRONDACK TRUST COMPANY
473 Broadway, Saratoga Springs, NY 12866

Approval given 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, on or after January 5, 2021.

January 4, 2021 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Authorization issued to open and occupy a branch office at 320 East 204th Street, Borough of Bronx, City of New York 10467, on or after January 5, 2021.

January 4, 2021 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

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 1202 Troy-Schenectady Road, Latham, Town of Colonie, Albany County, NY 12110, will not result in a significant reduction of financial services in the community to be affected.

January 7, 2021 (BK-CRB)
METROPOLITAN COMMERCIAL BANK
99 Park Avenue, 4th Floor, New York, NY 10016

Authorization issued to open and occupy a branch office at 311 Boulevard of the Americas, Lakewood, Ocean County, New Jersey 08701, on or after January 8, 2021.

(The activities of this branch office will consist of standard banking activities; however, no cash disbursements will be made.)

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

January 6, 2021 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
672 Main Street, Suite 1, Johnson City, NY 13790

January 6, 2021 (MB-MBD)
Full Service Branch
Home Point Financial Corporation
9190 Priority Way West Drive, Ste. 100, Indianapolis, IN 46240

January 6, 2021 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
106 Apple Street, Suite 102-B, Tinton Falls, NJ 07724

January 6, 2021 (MB-MBD)
Full Service Branch
Cardinal Financial Company, LP D/B/A Sebonic Financial
32630 Cedar Dr, Unit C, Millville, DE 19967

January 6, 2021 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
85 North Main Street, Suite 3, Ellenville, NY 12428

January 6, 2021 (MB-MBD)
Full Service Branch
Equity Now Inc.
52 East High Street, Suite 101 and 102, Carlisle, PA 17013

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

January 6, 2021 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
18 Spencer St., 11th Floor, Brooklyn, NY 11205

January 6, 2021 (BR-MBD)
Full Service Branch
Prosper First Capital
440 New Karner Road, 2nd Floor, Albany, NY 12205

Mortgage Banker Branch License Address Changes:

January 6, 2021 (MB-MBD)
Royal United Mortgage, LLC
From: 1300 East Woodfield Road, Suite 215, Schaumburg, IL 60173
To: 1450 American Lane, Ste. 750, Schaumburg, IL 60173

January 6, 2021 (MB-MBD)
The Money Source Inc.
From: 135 Maxess Road, Melville, NY 11747
To: 5 Ruland Road, 2nd Floor, Melville, NY 11747

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

Date of Approval NMLS # Applicant Name City State Sponsoring Entity
December 3, 2020

 

 1946558

 

 Jodi Michele Doyen

 

 Arlington

 

 Texas

 

 PrimeLending, A PlainsCapital Company

 
January 6, 2021

 

 1519402

 

 Ella Zakroisky

 

 Brooklyn

 

 New York

 

 Bodi Mortgage Corp.