Weekly Banking Bulletin

August 6, 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

April 2, 2021 (BP-LFS)
CREDITGUARD OF AMERICA, INC.
791 Park of Commerce Blvd., Suite 500, Boca Raton, FL 33487

A notification was received for the relocation of the main office, as follows:

From:  791 Park of Commerce Boulevard, Suite 500, Boca Raton, FL 33487
To:  2755 NW 63rd Court, Fort Lauderdale, FL 33309

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.


July 28, 2021 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Notice of intention to close branch office at 212 Main Street, Oriskany Falls, Oneida County, NY 13425, received.

The comment period on this notice will expire September 7, 2021.


July 28, 2021 (MI-CRB)
VALLEY NATIONAL BANCORP
One Penn Plaza, New York, NY 10119

Application, pursuant to Section 143-b of the Banking Law, to acquire control of The Westchester Bank, White Plains, New York, received.

The comment period for this application will expire on September 7, 2021. 


August 2, 2021 (BK-CRB)
PCSB BANK
2477 Route 6, Brewster, NY 10509

Notice of intention to close branch office at Building #2, Store #1, Pawling Commons, 63 East Main Street, Pawling, Dutchess County, New York 12564, received.

The comment period on this notice will expire September 7, 2021.


August 3, 2021 (CU-CRB)
MUNICIPAL CREDIT UNION
22 Cortlandt Street, New York, NY  10007

Application dated July 26, 2021, for permission to change the location of its station from 2546 Hylan Boulevard, Staten Island, Richmond County, NY 10306 to 2600 Hylan Boulevard, Staten Island, Richmond County, NY 10306, received.


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

August 4, 2021 (BR-MBD)
Applicant(s)
Eliyahu T Rosenberg
As: Isometric LLC
3512 Quentin Rd, Suite LL125, Brooklyn, NY 11234

August 4, 2021 (BR-MBD)
Applicant(s)
Paul K Louie
As: Essencap Home Funding LLC D/B/A Essencap Home
45 Middle Neck Rd., Suite 220, Great Neck, NY 11021


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

July 29, 2021 (MB-MBD)
Full Service Branch
Mountain Mortgage Corp.
33 West Hawthorne Avenue, Suite 205, Valley Stream, NY 11580

July 30, 2021 (MB-MBD)
Full Service Branch
American Financial Network, Inc.
1727 Veterans Memorial Highway 2nd Floor, Islandia, NY 11749


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
February 26, 2021 533772 David Eugene McMullin Northville Michigan
March 1, 2021 1181659 Susie Soric East Elmhurst New York
April 21, 2021 885459 Fiore Vincent D'Angelo Shirley New York
May 11, 2021 1799617 Marcetta Rhodes-Gaines Jacksonville Florida
May 28, 2021 2029482 Justin Omar Caminero Bronx New York
June 2, 2021 360798 Scott K. Beatty Ballston Lake New York
June 17, 2021 1865898 Tara Kathleen Hannigan East Islip New York
June 23, 2021 130530 William T. Grath Forked River New Jersey
June 30, 2021 1930784 Andrew Mitchell Hujo Avon Ohio
July 1, 2021 1987077 Michael Joseph Romano Garden City New York
July 1, 2021 2007537 Dayna Ivy Horwitz Lower Gwynedd Pennsylvania
July 1, 2021 2081644 Yuting Fan Highland Park New Jersey
July 1, 2021 2153466 Loriann Sabbatino-Booth Northport New York
July 2, 2021 1025381 Monique Deann Taylor Wesley Chapel Florida
July 6, 2021 2134456 Eduardo Ramirez Mount Kisco New York
July 7, 2021 139809 William Calzadilla Elizabeth New Jersey
July 7, 2021 2119949 Michael Vincent DeLissio New York New York
July 7, 2021 2136645 Joel Matthew Pellini Jackson Heights New York
July 8, 2021 1596266 Roxanne Tracey Inglis Lowes San Dimas California
July 8, 2021 2043711 Jay Naravani North Bellmore New York
July 12, 2021 2091023 Daniel Steinberg Bronx New York
July 13, 2021 2014263 Tyler Karim Mecate La Habra California
July 13, 2021 2090230 Agnes Szpakowska Ridgefield Connecticut
July 13, 2021 2122876 Jingwen Huang New York New York
July 14, 2021 1626432 Eddie R. Rodriguez Freeport New York
July 15, 2021 1237274 Justine Brenda Williamson-Saunders Wyandanch New York
July 15, 2021 2117845 Bill Kai Lau Brooklyn New York
July 16, 2021 330231 Norberto Maldonado Rutherford New Jersey
July 16, 2021 2081211 Carmen Massie-Noest Fresh Meadows New York
July 16, 2021 2115917 Jacob Elliot Terzi Brooklyn New York
July 16, 2021 2156206 Karan Koli Glen Cove New York
July 19, 2021 1094827 Nathaniel Thomas Grasch Fort Lauderdale Florida
July 19, 2021 1916530 James Joseph Tokarski Mentor Ohio
July 19, 2021 2070998 Andrew Robert Luberger Strongsville Ohio
July 19, 2021 2071057 Dayton Joncarr Wright Cleveland Ohio
July 19, 2021 2071090 Jacob Gabriel Osicki Painesville Ohio
July 19, 2021 2125193 Aban Mohammad Al-Salami Dearborn Michigan
July 20, 2021 1325532 Yifan Chen Jericho New York
July 20, 2021 1957723 Rachel Ann Woods Deaborn Heights Michigan
July 20, 2021 1971218 Brandon Duane Hampton Cleveland Ohio
July 20, 2021 1971384 Eric Vonn Speigner Cleveland Ohio
July 20, 2021 2071269 Paul David Gassman Avon Ohio
July 20, 2021 2071417 Sean Patrick Fitzgerald Olmsted Township Ohio
July 21, 2021 1578507 Dena Carol Ivancic-Jones Eastlake Ohio
July 21, 2021 1916549 Joseph Andrew Sheehan Clinton Ohio
July 21, 2021 1971439 Moriah Gabrielle Holden Painesville Ohio
July 26, 2021 1509383 Michael Vincent Tedeschi Huntington New York
July 26, 2021 1898816 Shane Nicholas Tressler Westerville Ohio
July 27, 2021 10880 Gyll L. Sbrocchi Huntington Station New York
July 27, 2021 1916553 Kayla Janai Wells Cleveland Ohio
July 27, 2021 1971444 Raymond Kilbane Schmidt Cleveland Ohio
July 27, 2021 2049609 Sandra Lucia Simpson North Bellmore New York
July 27, 2021 2095267 Tamarisk Tam Nguyen Irvine California
July 28, 2021 2091849 Ashishkumar Kiritkumar Patel Jacksonville Florida
July 28, 2021 2096039 Abraham Itzkowitz Monsey New York
July 28, 2021 2121462 Kyle Wesley McGue New York New York
July 28, 2021 2159617 Teresa Lee Udall Scottsdale Arizona

 


SECTION II

July 27, 2021 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Authorizations granting permission to open and occupy branch offices at the following two locations, surrendered for cancellation.

  1. One West Main Street, Little Falls, Herkimer County, New York 13365; and
  2. 51 West Main Street, Johnstown, Fulton County, New York 12095.

Offices discontinued as of July 16, 2021.


August 2, 2021 (CU-CRB)
HUDSON RIVER COMMUNITY CREDIT UNION
1 Third Street, Corinth, NY 12822

NORTON-TROY EMPLOYEES CREDIT UNION
35 Niver Street, Cohoes, NY 12047

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the New York Banking Law, as of 9:30 a.m., August 2, 2021, a Plan of Merger, adopted as of May 10, 2021, and other required documents, providing for the merger of Norton-Troy Employees Credit Union with and into Hudson River Community Credit Union pursuant to Section 601 of the Banking Law, under the name Hudson River Community Credit Union. 


August 3, 2021 (TM-LFS)
MAXITRANSFERS, LLC.                                                                
222 W. Las Colinas, Suite 2000, North Tower, Irving, TX 75039 

Application to engage in the business of a transmitter of money, pursuant to Article XIII-B of the Banking Law, was approved effective July 29, 2021.


August 3, 2021 (TR-FWB)
THE BANK OF NEW YORK MELLON
240 Greenwich Street, New York, New York 10286

Applicant notified by the Superintendent of Financial Services that, pursuant to the provisions of Section 105-b of the Banking Law, no objection will be interposed to the establishment of a trust office at 50 Fremont Street, Suite 3900, San Francisco, San Francisco County, California 94105.


August 3, 2021 (MI-CRB)
ROCKY MOUNTAIN BANK
890 West Broadway, Jackson, WY 83001

Notification received, in accordance with Supervisory Policy G 8, of the establishment of representative office to be located at 510 5th Avenue, Suite 303, Borough of Manhattan, City of New York 10036.


Certificate to engage in the business of a Mortgage Broker has been Terminated:

August 3, 2021 (BR-MBD)
Heritage Equity Corporation
123 Frost Street, Westbury, NY  11590
Effective Date:  March 11, 2021


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

July 29, 2021 (MB-MBD)
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
325 South Main Street, 1st Floor, Freeport, NY 11520
Effective Date: July 20, 2021

August 3, 2021 (BR-MBD)
Empire Home Mortgage, Inc.
150 Coconut Drive, Suite 104, Indialantic, FL 32903
Effective Date: July 16, 2021

August 3, 2021 (BR-MBD)
Heritage Equity Corporation
123 Frost Street, Westbury, NY 11590
Effective Date: November 19, 2019

August 4, 2021 (MB-MBD)
Nationwide Mortgage Bankers, Inc.  D/B/As:
Americasa Home Loans
NMBNOW
3031-3039 Valentine Ave, Store # 4, Bronx, NY 10458
Effective Date: July 23, 2021