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.
- One West Main Street, Little Falls, Herkimer County, New York 13365; and
- 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