Weekly Bulletin

April 30, 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 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
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	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	SB	Savings Bank
FR	Foreign Representative Office	SD	Safe Deposit Company
HC	Holding Company	SF	Sales Finance Agency
IC	Investment Company	SL	Savings and Loan Association
LL	Licensed Lender	SL	Student Loans
MK	Merchant Bank	TM	Transmitter of Money
MI	Miscellaneous	TR	Trust Company
		VC	Virtual Currency

Regulatory Unit Codes

CM CRB	Capital Markets Community and Regional Banks
CEU	Consumer Examination Unit
FWB	Foreign and Wholesale Banks
LFS	Licensed Financial Services
MBD	Mortgage Banking

SECTION I

April 29, 2021 (MI-CRB)
EFSTATHIOS GEORGE VALIOTIS
Malba, NY
SOPHIA E. VALIOTIS
New York, NY
EKATERINA E. VALIOTIS
Astoria, NY
GEORGE E. VALIOTIS
New York, NY

Application, pursuant to Section 143-b of the Banking Law, for Efstathios George Valiotis, Sophia E. Valiotis, Ekaterina E. Valiotis, and George E. Valiotis to collectively acquire control of Alma Bank, Astoria, New York, received.

The comment period on this application will expire on June 1, 2021.

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

April 27, 2021 (BR-MBD)
Applicant(s)
Jaswinder Singh
Lakhwinder Singh
As: LJ Mortgage Team Inc. D/B/A LJ Mortgage Team
12703 Rockaway Blvd, South Ozone Park, NY 11420

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

April 22, 2021 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
8000 Corporate Center Dr., Suite 115, Charlotte, NC 28226

April 22, 2021 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
1400 Crescent Green Drive, Suite 100, Cary, NC 27518

April 26, 2021 (MB-MBD)
Full Service Branch
Intercontinental Capital Group, Inc. D/B/A Fellowship Home Loans
265 Broadhollow Rd, Suite 105, Melville, NY 11747

April 26, 2021 (MB-MBD)
Full Service Branch
United Mortgage Corp. D/B/As:
NY Finest Funding
United Faith Mortgage
2620 Ditmars Blvd., Ground Floor, Astoria, NY 11105

April 27, 2021 (MB-MBD)
Full Service Branch
Van Dyk Mortgage Corporation
20801 Biscayne Blvd, Suite 101, Aventura, FL 33180

April 27, 2021 (MB-MBD)
Full Service Branch
Figure Lending LLC
100 West Liberty St, Suite 600, Reno, NV 89501

April 27, 2021 (MB-MBD)
Full Service Branch
Achieve Home Mortgage in lieu of Summit Mortgage Corporation
416 Main Street, Suite C, Honesdale, PA 18431

April 28, 2021 (MB-MBD)
Full Service Branch
NJ Lenders Corp. D/B/As:
Home Owners Mortgage Express
Silver Bay Lending
1205 North Franklin Street, Suite 106, Tampa, FL 33602

April 28, 2021 (MB-MBD)
Full Service Branch
Atlantic Home Loans, Inc.
1155 West Chestnut Street, Suite 2C, Union, NJ 07083

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
March 18, 2020	65305	Vanessa Maria Ingrao	Long Beach	New York
October 30, 2020	588981	Richard T. Stork	Lambertville	New Jersey
January 11, 2021	2066927	Eli Katz	Brooklyn	New York
February 22, 2021	157126	Christy Mendes	Wall	New Jersey
February 24, 2021	1544824	Kamau Selby	Teaneck	New Jersey
March 2, 2021	50773	Raffaele Forino	North Bellmore	New York
March 4, 2021	1993004	Yosselyn Yamileth Membreno Aguilar	Bay Shore	New York
March 11, 2021	832912	Daniel Khasin	Brooklyn	New York
March 22, 2021	2052255	Brandon James Rivero	Valley Stream	New York
March 30, 2021	249950	Nirav Mehta	Warren	New Jersey
March 30, 2021	1967513	Marie Anne Pizza	Staten Island	New York
March 31, 2021	1774762	Shannon Zhan Lee	Winter Park	Florida
April 1, 2021	485714	John Robert Gugliotti	Hasbrouck Heights	New Jersey
April 2, 2021	58146	Christopher John Stevens	Rochester	New York
April 5, 2021	1893815	Conrad Leon Connor	Indian Head	Maryland
April 5, 2021	2001662	Kendel Jackson	New York	New York
April 5, 2021	2003031	Mariel K. Harkin	Maywood	New Jersey
April 7, 2021	183704	Norris S. Glashen	Uniondale	New York
April 7, 2021	1470790	Jordan Bandoy Saceda	Costa Mesa	California
April 9, 2021	2110568	Ruth Walnick	Merrick	New York
April 10, 2021	1999149	Stefany Pina	New Milford	Connecticut
April 12, 2021	1094063	Jennifer Siegel	Clark	New Jersey
April 12, 2021	1984739	Timothy Robert DeLea	Madison	New Jersey
April 13, 2021	220796	Bruce Michael Sanchez	Brooklyn	New York
April 13, 2021	2030896	Everitt Wesley Jarratt	Charlotte	North Carolina
April 13, 2021	2112972	Shavy Moskovits	Monroe	New York
April 14, 2021	625148	Christopher Scheck	Fairfield	Connecticut
April 14, 2021	755861	Bryan M. Kelly	Chicago	Illinois
April 15, 2021	58217	Vivian Marie Castner	Tampa	Florida
April 15, 2021	1484337	Thomas Joseph Kaase	Bay Village	Ohio
April 15, 2021	2007499	Jesus Humberto Barron	Woodside	New York
April 15, 2021	2032319	Luisa Cardona Betancur	Huntington Station	New York
April 15, 2021	2080303	Taylee Marie Soukup	Wardsville	Missouri
April 15, 2021	2124033	Madeline Escobar	New York	New York
April 16, 2021	1882497	Robert Bosolet	Phoenix	Arizona
April 16, 2021	1931154	Mirko Filip Bakula	Cleveland	Ohio
April 16, 2021	1964106	Ralph Anthony Bosolet	Phoenix	Arizona
April 16, 2021	2062944	Jon Randall Clark	Frisco	Texas
April 16, 2021	2101627	Sarah Nichole Lowery	Columbia	Missouri
April 16, 2021	2111503	Gabriel William McGuire	Tarrytown	New York
April 19, 2021	960091	Robert Eugene Mencke	Jacksonville	Florida
April 19, 2021	1437761	Veronica Francine Adgate	Jacksonville	Florida
April 19, 2021	2073773	Miriam Weisz	Brooklyn	New York
April 20, 2021	211003	Jeffrey Mogull	White Plains	New York
April 21, 2021	1238416	Fredrick Michael Glynn	Carmel	Indiana
April 21, 2021	1950101	Kasey Marienau Mills	Wildwood	Missouri
April 21, 2021	2049472	Pratik A. Shah	Belleville	New Jersey
April 23, 2021	1701237	Joseph Fathi Afia	Fishers	Indiana

SECTION II

April 23, 2021 (TM-LFS)
AMERICAN EXPRESS PREPAID CARD MANAGEMENT CORPORATION
18850 North 56th Street, Phoenix, AZ 85054

Application for change of location from 20022 N. 31st Avenue, Phoenix, Arizona, 85027 to 18850 North 56th Street, Phoenix, AZ 85054 was approved effective April 22, 2021.

April 26, 2021 (BK-CRB)
METROPOLITAN COMMERCIAL BANK
99 Park Avenue, 4th Floor, New York, NY 10016

Authorization Certificate issued February 26, 2021, granting permission open and occupy a branch office at 311 Boulevard of the Americas, Lakewood, Ocean County, New Jersey 08701, surrendered for cancellation.

This office was never operational.

April 26, 2021 (SB-CRB)
NEW YORK COMMUNITY BANK
102 Duffy Avenue, Hicksville, NY 11801

Authorization granting permission to open and occupy a branch office at 50 Route 111, (Suite 105), Smithtown, Suffolk County, New York 11787, surrendered for cancellation.

Office discontinued as of March 26, 2021.

April 27, 2021 (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 two locations:

32 North Potomac Street, Hagerstown, Washington County, Maryland 21740; and

7 West Market Street, Georgetown, Sussex County, Delaware 19947.

April 29, 2021 (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 New York State Department of Financial Services has found that the proposed closing of branch offices at the following two locations will not result in significant reductions of financial services in the communities to be affected:

33 West State Street, Binghamton, Broome County, New York 13901; and
202 Clinton Street, Binghamton, Broome County, New York 13905.

April 29, 2021 (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 New York State Department of Financial Services has found that the proposed closing of public accommodation office located at University Plaza, 3500 Main Street, Town of Amherst, Erie County, New York 14226 will not result in a significant reduction of financial services in the communities to be affected.

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

April 22, 2021 (MB-MBD)
Keller Mortgage, LLC
4725 Lakehurst Ct, Suite 400, Dublin, OH 43016

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

April 28, 2021 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW
One Meadowlands Plaza Suite 300, East Rutherford, NJ 07073

April 28, 2021 (MB-MBD)
Full Service Branch
Allied Mortgage Group, Inc.
39 E. Cedar Street, Suite 1, Newington, CT 06111

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

April 27, 2021 (MB-MBD)
Residential Mortgage Services, Inc.
3400 Monroe Avenue, Building 3, Unit 310, Rochester, NY 14618-
Effective Date: April 21, 2021

Mortgage Banker Branch License Address Changes:

April 28, 2021 (MB-MBD)
CMG Mortgage, Inc.
From: 7880 Gate Parkway, Suite 200, Jacksonville, FL 32256
To: 7880 Gate Parkway, Suite 102, Jacksonville, FL 32256

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
April 14, 2021	2007185	Daren Peter Wigger	Hoboken	New Jersey	Freedom Mortgage Corporation
April 21, 2021	64666	Michael P. Sieja	Cortlandt Manor	New York	CrossCountry Mortgage, LLC
April 21, 2021	397071	Matthew Francis DeSantis	Jersey City	New Jersey	NJ Lenders Corp.
April 21, 2021	602865	Michael F. Strange	Cos Cob	Connecticut	loanDepot.com, LLC
April 21, 2021	875033	Michelle Louise Mitchell	Bloomfield	Connecticut	Neighborhood Assistance Corporation of America
April 21, 2021	1115656	Sean Francis Scocca	Philadelphia	Pennsylvania	Planet Home Lending, LLC
April 21, 2021	1165297	Patrick Thomas Lewis	Buffalo	New York	Haus Capital Corporation
April 21, 2021	1393676	John Joseph Hall	Neptune	New Jersey	Better Mortgage Corporation
April 21, 2021	1421466	Danielle A. Adornato	Kings Park	New York	United Mortgage Corp.
April 21, 2021	1435341	Daniel Adam DiBiasi	Island Park	New York	Nationwide Mortgage Bankers, Inc.
April 21, 2021	1545196	Doug Rabin	Brightwaters	New York	Jet Direct Funding Corp.
April 21, 2021	1581954	Thomas Leland Norfleet	Lake Forest	California	American Advisors Group, Inc.
April 21, 2021	1696455	Philip Carr	Stillwater	New York	Fairway Independent Mortgage Corporation
April 21, 2021	1764241	Daniel Gerard Kelly	Gansevoort	New York	Fairway Independent Mortgage Corporation
April 21, 2021	1807845	Jeremy Mittelman	Monroe	New York	FM Home Loans, LLC
April 21, 2021	1841136	Gitty Gelb	Brooklyn	New York	BSD Funding, LLC
April 21, 2021	1843885	Helmi Abraha Teklu	Vestal	New York	loanDepot.com, LLC
April 21, 2021	1848095	Andrew Paul Hurwitz	Fountain Valley	California	American Advisors Group, Inc.
April 21, 2021	1923866	Johncarlo Zangrilli	Thornwood	New York	DML Mortgage Enterprises, Inc.
April 21, 2021	1962450	Melissa Kelly Verga	Clifton Park	New York	Quik Fund, Inc.
April 21, 2021	1975275	Jonathan James Gambino	New Hyde Park	New York	Hartford Funding, Ltd.
April 21, 2021	2018926	Joseph L. Wisniewski	Yaphank	New York	Atlantic Home Capital, Corp.
April 26, 2021	51062	Joseph Rosario Salamone	Levittown	New York	Intercontinental Capital Group, Inc.
April 27, 2021	50532	Michael William Cymbala	Massapequa Park	New York	Hartford Funding, Ltd.
April 27, 2021	58672	Warren Hengel	New Milford	Connecticut	Fairway Independent Mortgage Corporation
April 27, 2021	67847	Ken Allan Golubjatnikov	Pittsford	New York	Upstate Premier Mortgage, Inc.
April 27, 2021	160859	Gregory Terell Morgan	Piscataway	New Jersey	Heritage Mortgage Banking Corp.
April 27, 2021	386891	Marc Stephen Eidelkind	Northport	New York	MLB Residential Lending, LLC
April 27, 2021	410160	Ioannis Theologis	Long Island City	New York	United Mortgage Corp.
April 27, 2021	624926	Zoheb Hasan Alvi	Monroe Township	New Jersey	CrossCountry Mortgage, LLC
April 27, 2021	921438	William J. Lynch	Glenmont	New York	Premium Mortgage Corp.
April 27, 2021	967016	Jasmine Poon	Corona	New York	Galaxy Lending Corporation
April 27, 2021	982054	Charles Hilton Burson	Long Beach	California	American Advisors Group, Inc.
April 27, 2021	1097188	David Louis Anthony Bart	Corona	California	American Advisors Group, Inc.
April 27, 2021	1417604	Mario Gonzalez	Huntington Beach	California	American Advisors Group, Inc.
April 27, 2021	1523634	Glenn Robert Ciaccio	Greenacres	Florida	Freedom Mortgage Corporation
April 27, 2021	1583753	Joshua Peter Phillips	Chicago	Illinois	Royal United Mortgage, LLC
April 27, 2021	1624359	Joseph Vincent Lopez	Chino Hills	California	American Advisors Group, Inc.
April 27, 2021	1779210	Paloma Diane Remington	Huntington Beach	California	American Advisors Group, Inc.
April 27, 2021	1794750	Kellen Patrick McCarthy	San Diego	California	American Internet Mortgage, Inc.
April 27, 2021	1840160	Jeanmarie Griffo	Point Lookout	New York	Intercontinental Capital Group, Inc.
April 27, 2021	1858483	Jose O. Fortuna	New York	New York	Jet Direct Funding Corp.
April 27, 2021	1863900	Joseph Coyne	Oceanport	New Jersey	Gold Coast Funding Inc
April 27, 2021	1882336	Monica A. Sandoval	Medford	New York	Cardinal Financial Company, LP
April 27, 2021	1883256	Morris Ponce Lopez	Irving	Texas	loanDepot.com, LLC
April 27, 2021	1891674	Hayley R. Horzepa	Wolcott	Connecticut	Total Mortgage Services, LLC
April 27, 2021	1892302	Allen Scott Underwood	Charlotte	North Carolina	Quicken Loans, LLC
April 27, 2021	1906764	Jonathan Anthony Rosa	Bethpage	New York	Gold Coast Funding Inc
April 27, 2021	1918363	Steven Babatunde Oladipo	Hillside	New Jersey	Better Mortgage Corporation
April 27, 2021	1939795	Kevin Robert Barber	Dallas	Georgia	American Advisors Group, Inc.
April 27, 2021	1941876	Ali-Alreda Mohamad Samhat	Garden City	Michigan	Quicken Loans, LLC
April 27, 2021	1961500	Matthew Steven Spratford	Montauk	New York	Greenway Mortgage Funding Corp.
April 27, 2021	1974424	Karl Philip Meehan	Saratoga Springs	New York	Fairway Independent Mortgage Corporation
April 27, 2021	1985668	Sherry Anne Keeley	Boca Raton	Florida	PHH Mortgage Corporation
April 27, 2021	1995830	Lindsey Willing	Hauppauge	New York	Intercontinental Capital Group, Inc.
April 27, 2021	1997649	Stephen Michael Gambardella	North Haven	Connecticut	Total Mortgage Services, LLC
April 27, 2021	2006800	Emily Rose Teleposky	Brooklyn	New York	Better Mortgage Corporation
April 27, 2021	2009445	Gaurav Kumar Passi	Staten Island	New York	All County Capital Corp.
April 27, 2021	2010670	Michael Madonna	Hoboken	New Jersey	Better Mortgage Corporation
April 27, 2021	2014478	Brenda Akua Adu	Bronx	New York	Associated Mortgage Bankers, Inc.
April 27, 2021	2015472	Devorah Reinman	Spring Valley	New York	FM Home Loans, LLC
April 27, 2021	2016164	Michael Cory Fuhrman	Metuchen	New Jersey	CrossCountry Mortgage, LLC
April 27, 2021	2017302	Daniel John Buschjost	California	Missouri	Mortgage Research Center, LLC
April 27, 2021	2024202	Nicholas A. Bonanno	Hartsdale	New York	Quintessential Mortgage Group, Inc.
April 27, 2021	2026922	Christian Runco	Troy	New York	Premium Mortgage Corp.
April 27, 2021	2043356	Tracey Ann Tabacco	Staten Island	New York	Think One Mortgage Inc.
April 27, 2021	2055711	John Pituch	Sparta	New Jersey	Family First Funding LLC
April 27, 2021	2055851	Gina Marie Ferri	Thornwood	New York	Quintessential Mortgage Group, Inc.
April 27, 2021	2058222	Christian Migliore	Seaford	New York	CrossCountry Mortgage, LLC
April 27, 2021	2058568	Christopher James Nease	Medford	New York	Intercontinental Capital Group, Inc.
April 27, 2021	2064691	Angela Lee Lockwood	Ballston Spa	New York	Quik Fund, Inc.
April 27, 2021	2065590	Haley Robin Lehman	New York	New York	Meadowbrook Financial Mortgage Bankers Corp.
April 27, 2021	2066039	Robert Michael Bandura	Clifton	New Jersey	TFS Mortgage Corporation, Inc.
April 27, 2021	2068403	Daniel Joseph Caroussos	Smithtown	New York	Intercontinental Capital Group, Inc.
April 27, 2021	2071882	Kelly Michelle Bivens	Columbia	Missouri	Mortgage Research Center, LLC
April 27, 2021	2073382	Brandi Kristen Taylor	Akron	Ohio	Reliance First Capital, LLC
April 27, 2021	2085550	Moshe Rottenberg	Monroe	New York	Astar Home Capital Inc
April 27, 2021	2088295	Stephanie Carol Rodgers	Wantagh	New York	Caliber Home Loans, Inc.
April 27, 2021	2090141	Dallin Wane Tucker	Columbia	Missouri	Mortgage Research Center, LLC

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
April 22, 2021	2073040	Shawn Daniel Rhoades	Columbia	Missouri