Weekly Banking Bulletin

February 12, 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

September 15, 2020 (BK-CRB)
HANOVER MERGER BANK (in formation)
80 East Jericho Turnpike, Mineola, NY 11501

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

January 26, 2021 (BK-CRB)
HANOVER MERGER BANK
80 East Jericho Turnpike, Mineola, NY 11501

Organization Certificate received.

INCORPORATORS:
Michael P. Puorro, West Islip, New York
Ahron H. Haspel, Sarasota, Florida
Michael Katz, Miami Beach, Florida
Philip Okun, West Palm Beach, Florida
John Sorrenti, Gladstone, New Jersey

(Hanover Merger Bank is being formed as an interim institution solely to facilitate the acquisition of Savoy Bank by Hanover Bancorp, Inc.)

February 9, 2021 (TM-LFS)
AMERICAN EXPRESS PREPAID CARD MANAGEMENT CORPORATION
20022 N. 31st Avenue, Phoenix, Arizona, 85027

Notification received for the change of location from 20022 N. 31st Avenue, Phoenix, Arizona, 85027 to 18850 North 56th Street, Phoenix, AZ 85054.

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 Broker under Article 12-D of the New York Banking Law received for examination:

February 10, 2021 (BR-MBD)
Applicant(s)

Ruslan Kushnir
As: Green Street Capital, LLC
2709 Coney Island Ave, 3rd Floor, Brooklyn, NY 11235

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

February 8, 2021 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
75 Main Street, Suite 205, Millburn, NJ 07041

February 10, 2021 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
160 Oakwood Avenue, Troy, NY 12180

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

February 8, 2021 (BR-MBD)
Full Service Branch
Superior Mortgage Co., Inc.
200 Broadhollow Road, Suite 207, Melville, NY 11747

Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for control interest:

February 5, 2021 (MB-MBD)
Applicant(s)
Finance of America Companies Inc.
Finance of America Equity Capital LLC
Finance of America Funding LLC
Patricia Cook
Tai Thornock
Jeremy Prahm
Lance N. West
Norma C Corio
Robert W. Lord
Tyson A Pratcher
To acquire interest in:
Finance of America Mortgage LLC
300 Welsh Road, Building 5, Suite A, Horsham, PA 19044

February 9, 2021 (MB-MBD)
Applicant(s)
Finance of America Companies Inc.
Finance of America Equity Capital LLC
Finance of America Funding LLC
Patricia Cook
Tai Thornock
Jeremy Prahm
Lance N. West
Norma C Corio
Robert W. Lord
Tyson A Pratcher
To acquire interest in:
FAReverse LLC in lieu of Finance of America Reverse LLC
8023 East 63rd Place, Suite #700, Tulsa, OK 74133

Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for control interest:

February 8, 2021 (BR-MBD)
Applicant(s)
Daniel Paul Holzhauer
James Edward Cahill
To acquire interest in:
Upstate Premier Mortgage, Inc.
57 East Genesee Street, Baldwinsville, NY 13027

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.

Application Received Date	NMLS #	Applicant Name	City	State
June 5, 2020	1521777	Mallory Marie Kimberly	Yorba Linda	California
August 10, 2020	2010760	Zanib Aftab Khan Madama	Elmwood Park	New Jersey
December 1, 2020	174500	James J. Giacone	Palm Beach Gardens	Florida
December 11, 2020	1116896	Nathanael Levi Rogers	Centennial	Colorado
December 11, 2020	1954315	Raymond Carnevale	New Hyde Park	New York
December 14, 2020	2033248	Dean Charles Lupowitz	Oceanside	New York
December 15, 2020	990017	Olha Bas	Englishtown	New Jersey
December 15, 2020	2062332	Joseph Lasry	Toms River	New Jersey
December 21, 2020	2009445	Gaurav Kumar Passi	Staten Island	New York
December 22, 2020	400283	Adam Michael Hicks	Sioux Falls	South Dakota
December 22, 2020	2073125	Cassandra Lea Welter	Elyria	Ohio
December 28, 2020	2029804	Martin Mendlovic	Brooklyn	New York
December 30, 2020	1996607	Joseph Esses	Brooklyn	New York
January 4, 2021	60362	Craig Greissman	Merrick	New York
January 4, 2021	2067593	Joseph Gattuso	Flushing	New York
January 5, 2021	2049341	Amanda Brooke Salerno	Dix Hills	New York
January 6, 2021	497308	Jessica Catherine Bowen	Dumfries	Virginia
January 6, 2021	2026979	Carlos Alexander Guerrero	Ridgefield Park	New Jersey
January 11, 2021	176802	Scott Myles Savel	Woodbury	New York
January 12, 2021	1585473	Travis Jerome Williams	Flower Mound	Texas
January 14, 2021	800781	Sara A. Matthews	Clayton	New York
January 14, 2021	1220114	Nicholas Onofrio Carleo	Bayside	New York
January 14, 2021	2008464	Arturo Santiago Asselta	East Williston	New York
January 14, 2021	2065250	Michael Jan Romano	Center Moriches	New York
January 15, 2021	1879401	Adrian Caramihai	Sunnyside	New York
January 19, 2021	209556	Atul Krishna Rastogi	Long Valley	New Jersey
January 19, 2021	483886	Alessandro Albert Barresi	Silver Spring	Maryland
January 19, 2021	921442	Matthew Steven Merrick	Rochester	New York
January 19, 2021	2020299	Nathaniel Jacob Kelsey	Fairport	New York
January 20, 2021	3945	Gennady Svetnikov	Brooklyn	New York
January 20, 2021	187549	Kevin Ebbecke	Ponte Vedra	Florida
January 20, 2021	1970855	Aya Lulu Salman	Dearborn Heights	Michigan
January 21, 2021	2060106	Douglas Frantin	Melville	New York
January 22, 2021	961683	Ryan Douglas Gibson	Van Alstyne	Texas
January 25, 2021	49302	Debra Natalee Shultz	Great Neck	New York
January 25, 2021	1879532	Bridget Renee McCreight	Bridgeville	Pennsylvania
January 25, 2021	2033787	Ryan Lane Chinnis	Columbia	Missouri
January 26, 2021	16415	Charles C. Bradford	Larchmont	New York
January 26, 2021	297063	Charles A. Miller	Rockville	Maryland
January 26, 2021	2056780	Mary Katherine Weisenborn	Columbia	Missouri
January 26, 2021	2062919	Kristina Agelois Evans	Irving	Texas
January 26, 2021	2081078	Aaron James Thomasson	Columbia	Missouri
January 27, 2021	1211330	Richard Louis Heredia	Woodland Park	New Jersey
January 28, 2021	418796	Susan Kaye Weil	Bordentown	New Jersey
January 28, 2021	2036461	James Gerard Goodyear	Columbia	Missouri
January 29, 2021	1577792	Gaston Cedric Tonleu Nguimatsa	Chicago	Illinois
February 1, 2021	7297	James Anthony Passabet	Pleasantville	New York
February 1, 2021	1484932	Llewellyn Tejada	Elmsford	New York
February 1, 2021	2052863	Henry Eric Mann	New York	New York
February 2, 2021	8778	Michael J. Littleton	Yorktown	New York
February 3, 2021	78695	Salvatore Mangiameli	Monroe	New York
February 3, 2021	487573	James David Moore	Goldens Bridge	New York
February 4, 2021	1825169	Brian William Karas	Northlake	Illinois
February 4, 2021	1954652	Ethan Douglas Visvaldis Irbe	Indianapolis	Indiana

SECTION II

February 4, 2021 (CC-LFS)
593 BROAD STREET WEST, INC.
593 Broad Street West, Rochester, New York 14608

The license to engage in business as a casher of checks at the following location has been surrendered, effective January 11, 2021:

Branch office: 4 West Avenue, Rochester, New York 14611

February 4, 2021 (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 has been surrendered, effective January 14, 2021:

Branch office: 44 Hoyt Street, Brooklyn, New York 11201-5836

February 8, 2021 (MI-CRB)
CRESCENT BANK & TRUST
1100 Poydras Street, Suite 100, New Orleans, LA 70163

Notification received, in accordance with Supervisory Policy G 8, of the permanent closing of the representative office at 805 Ridge Road (Suite 204), Town of Webster, Monroe County, NY 14580, effective December 11, 2020.

February 9, 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 1100 Mohawk Street, Utica, Oneida County, New York 13501, will not result in a significant reduction of financial services in the community to be affected.

February 10, 2021 (PF-LFS)
FIRST SOLUTION FINANCIAL SERVICES, INC.
3250 Grey Hawk Court, Carlsbad, San Diego County, CA 92010

Application filed by First Solution Financial Services, Inc. to engage in doing business as a Premium Finance Agency pursuant to Article12-B of the NYS Banking Law, was approved effective January 28, 2021.

February 12, 2021 (BK-CRB)
HANOVER MERGER BANK
80 East Jericho Turnpike, Mineola, NY 11501

Organization Certificate filed for examination.

(Hanover Merger Bank is being formed as an interim institution solely to facilitate the acquisition of Savoy Bank by Hanover Bancorp, Inc., parent of Hanover Community Bank.)

Certificate to engage in the business of a Mortgage Broker surrendered:

February 9, 2021 (BR-MBD)
Prisani Funding Corporation
251-61 Jericho Turnpike, 2nd Floor, Bellerose, NY 11426
Effective Date: November 13, 2020

February 10, 2021 (MB-MBD)
Mortgage World Bankers, Inc.
425 Broad Hollow Road, Suite 215, Melville, NY 11747
Effective Date: February 5, 2021

Mortgage Broker Certificate Address Changes:

February 10, 2021 (BR-MBD)
My Gem Corp D/B/A Gain Equity Mortgage
From: 625 Commerce Drive, Suite #103, Lakeland, FL 33813
To: 1311 East Canal Street, Suite 103, Mulberry, FL 33860

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
February 8, 2021	67235	Guido G. Fava	Mahopac	New York	Luxury Mortgage Corp.
February 8, 2021	75752	William Hoogkamp	Delanson	New York	Maple Tree Funding LLC
February 8, 2021	114003	Anthony Francis Vaccaro	Mamaroneck	New York	Mortgage Unlimited, LLC
February 8, 2021	1481321	Derrick R. Welch	Brooklyn	New York	Accountable Financial Management Corporation

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 #	Applicant Name	City	State
February 9, 2021	197376	Ryan Henry Kluttz	Nixa	Missouri
February 9, 2021	1527219	David Paul Kleiman	Monroe	New Jersey
February 9, 2021	1860211	Miguel Angel Del Rosario	Queens Village	New York
February 10, 2021	598826	Calvin Park	River Edge	New Jersey
February 10, 2021	1758412	Kevan Bryant Sloan	Chicago	Illinois