Weekly Banking Bulletin

October 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

September 20, 2021 (TM-LFS)
TRANSFERWISE INC.
19 W 24th Street, 9th Floor, New York, New York, 10010

Notification received for the legal name change to Wise US Inc.

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.


October 6, 2021 (CU-CRB)
NORTHERN CREDIT UNION
120 Factory Street, Watertown, NY 13601

Application dated October 6, 2021, for permission to change the location of its station from 256 East Orvis Street, Massena, St. Lawrence County, NY 13662 to 88 Parker Avenue, Massena, St. Lawrence County, NY 13662, received.


October 6, 2021 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated October 6, 2021, for permission to change the location of branch office from 95 Madison Avenue, Borough of Manhattan, City of New York 10016 to 470 Park Avenue South, Borough of Manhattan, City of New York 10016, received.


October 7, 2021 (SF-LFS)
EXETER FINANCE LLC
2101 W. John Carpenter Freeway, Irving, TX 75063

Application received for a change of control filed by Cobra Acquisition Co LLC, which will acquire 100% of the outstanding shares in the parent of Exeter Finance LLC.

The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the licensee.


October 8, 2021 (CC-LFS)
V & R PAYROLL FACTORS, INC.
369 West 35th Street, New York, NY 10001

An application was received to relocate from 369 West 35th Street, New York, NY 10001 to 48-15 Skillman Avenue, Sunnyside, NY 11104.

The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.

Any comments or objections should be submitted in writing, within ten business days, by October 22, 2021.


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

October 6, 2021 (BR-MBD)
Applicant(s)
Stephen Thomas Falvo
As: Wholesale Rate LLC
100 Duffy Ave, Suite 510 Office 562, Hicksville, NY 11801


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

October 1, 2021 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW
22801 Ventura Blvd, Suite 110, Woodland Hills, CA 91364

October 1, 2021 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation D/B/A Crown Home Mortgage
111 Washington Ave., Office # 10, Albany, NY 12210

October 1, 2021 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
532 Virginia Drive, Orlando, FL 32803

October 1, 2021 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
107 Monmouth Road, Suite 202, West Long Branch, NJ 07764

October 1, 2021 (MB-MBD)
Full Service Branch
Equity Prime Mortgage LLC
931 Jefferson Blvd Suite 2008, Warwick, RI 02886

October 1, 2021 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW
13 Main Street, Suite 5, Sparta, NJ 07871

October 4, 2021 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation
14523 SW Milikan Way, Suite 200, Beaverton, OR 97005

October 4, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
1855 Victory Blvd, Staten Island, NY 10314

October 4, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
100 State Farm Place, Ballston Spa, NY 12020

October 4, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
12 West Main Street, 2nd Floor, Elmsford, NY 10523

October 4, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
5810 5th Ave, Brooklyn, NY 11220

October 4, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
1425 Jefferson Rd, Rochester, NY 14623

October 5, 2021 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC D/B/As:
AnnieMac Home Mortgage
LOFIDIRECT
10 Poplar Tree Lane, Unit 1, Sparta, NJ 07871

October 6, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
8275 South Eastern Avenue, Office 200, Suite 200, Space 267, Las Vegas, NV 89123


Mortgage Banker License Name Change Received:

October 6, 2021 (MB-MBD)
From: United Mortgage Corp. D/B/As:
NY Finest Funding
United Faith Mortgage

To: United Mortgage Corp. D/B/As:
NY Finest Funding
United Faith Mortgage
Benifi


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

July 8, 2020

1484640

Royce T. Mathew

Coral Springs

Florida

December 28, 2020

1633023

Hugh Eugene Ollivierre

Mission Viejo

California

February 1, 2021

2081099

Torin Jamal Francis

New York

New York

April 29, 2021

2036084

Darren Dara Zarandi

New York

New York

June 10, 2021

1948567

Jasmine Ann Dawn Owens

Dix Hills

New York

June 15, 2021

65448

Steven L. Koerner

Northport

New York

June 18, 2021

4750

John Christian Valencia

Levittown

New York

June 29, 2021

2150084

Cody Paul Erikson

The Colony

Texas

July 27, 2021

1600165

Marcel Robin

East Meadow

New York

August 5, 2021

1016740

Angelika Jones

Thousand Oaks

California

August 19, 2021

2130845

Kelly Naylor Jordan

Longwood

Florida

August 24, 2021

2211195

Gabriel Rinato

Valley Cottage

New York

August 26, 2021

1957662

Bradley Nelson Bonnenfant

Scottsdale

Arizona

August 26, 2021

1970811

Araceli Lamas Larraga

Phoenix

Arizona

August 26, 2021

2142302

Nedim Mulahusic

Glendale

Arizona

August 26, 2021

2142412

Yazmine Celine Diaz

Gilbert

Arizona

August 27, 2021

2040294

Joel Lespron

Scottsdale

Arizona

August 30, 2021

1503563

Joshua Isaac Maldonado

Forest Hills

New York

August 31, 2021

821122

Kourtney Amanda Hodgins

Tampa

Florida

August 31, 2021

2007841

Sam Cioffi

Wantagh

New York

August 31, 2021

2123025

Jake Rimberg

Bronx

New York

August 31, 2021

2150744

Amber N. Nichols

Rochester

New York

September 2, 2021

1771822

Paige Park

New York

New York

September 7, 2021

1251881

Julia Elizabeth Davenport-Drake

Indianapolis

Indiana

September 7, 2021

2103230

Matthew Charles Gonsalves

Kings Park

New York

September 10, 2021

1892212

Rose Friedman

Brooklyn

New York

September 10, 2021

2069831

Carlie Jane Chepke

Cleveland

Ohio

September 10, 2021

2153501

Ricardo Ernesto Ponce

Bronx

New York

September 13, 2021

172835

Christopher Neill Begley

Margate

New Jersey

September 13, 2021

1626980

Kassem Ali Zeidan

Dearborn

Michigan

September 13, 2021

1794787

Isaac Duenas

Medina

Ohio

September 13, 2021

2143091

Kelsey Atkins

Royal Oak

Michigan

September 14, 2021

1964598

Tania Veronica Pineiro

Miller Place

New York

September 14, 2021

2141908

Zachary Joseph Bachnak

Brownstown

Michigan

September 15, 2021

2084709

Aaron Z. Aguirre

Houston

Texas

September 16, 2021

1655095

Kim Branch

Richardson

Texas

September 16, 2021

2034301

Peter LeBron

West Seneca

New York

September 17, 2021

1661176

Alexander Khojainov

Baltimore

Maryland

September 17, 2021

2181354

Victoria E. Herrera Gaton

Jackson Heights

New York

September 20, 2021

2139388

Susan Camus

Tappan

New York

September 20, 2021

2213120

Sarah Elizabeth Kesler

Knoxville

Tennessee

September 21, 2021

580567

Patti A. Montgomery

Ballston Spa

New York

September 21, 2021

2181752

Pavan Kaur Rai

Byron Center

Michigan

September 21, 2021

2216127

Paul Gerald Mostak

Haddon Township

New Jersey

September 22, 2021

1024464

Michael Albert Aposhian

Weeki Wachee

Florida

September 22, 2021

1112496

Wendy Jean Gaspa

Utica

New York

September 23, 2021

973133

Ava Marie Johnson-Lee

Fulshear

Texas

September 23, 2021

1090446

Lewis Christopher Sogge

San Diego

California

September 23, 2021

1280610

Jill Lindsey McGowan

San Diego

California

September 23, 2021

1523844

Sarah Josephine Pierce

New York

New York

September 27, 2021

196006

George Garcia

Rehoboth

Massachusetts

September 27, 2021

341897

John Neal

Pembroke Pines

Florida

September 27, 2021

2092030

Andrew Scott Peterson

Union

New Jersey

September 28, 2021

1834966

Steven Druck

Apopka

Florida

 


SECTION II

September 23, 2021 (CC-LFS)
M M R CHECK CASHING CORP. (“MMR”)
54-10 Flushing Ave., Maspeth, NY 11478

The license to engage in business as a casher of checks at the following location has been surrendered: Main office: 54-10 Flushing Ave., Maspeth, NY 11478

Effective December 25, 2020, MMR is no longer authorized to conduct check cashing business in the State of New York.


October 1, 2021 (SB-CRB)
RHINEBECK BANK
2 Jefferson Plaza, Poughkeepsie, NY 12601

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 200 Great Oaks Boulevard, Suite 226, Albany, Albany County, New York 12203 to 100 Great Oaks Boulevard, Suite 118A, Albany, Albany County, New York 12203, effective September 27, 2021.


October 5, 2021 (TR-CM)
FIDUCIARY TRUST COMPANY INTERNATIONAL
280 Park Avenue, 6th Floor, New York, New York 10017

Applicant notified by the Acting 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 1133 Connecticut Ave, N.W., Suite 330, Washington, DC 20036.


October 5, 2021 (TR-CRB)
DIME COMMUNITY BANK
2200 Montauk Highway, Bridgehampton, NY 11932

Approval given to change the location of branch office from 60 East 42nd Street (Suite 1563), Borough of Manhattan, City of New York 10165 to 60 East 42nd Street (Suite 1110), Borough of Manhattan, City of New York 10165, on or after October 6, 2021.


October 5, 2021 (TR-CRB)
TOMPKINS TRUST COMPANY
118 East Seneca Street, Ithaca, NY 14850
MAHOPAC BANK (BK-CRB)
1441 Route 22, Town of Southeast, NY 10509
THE BANK OF CASTILE (TR-CRB)
50 North Main Street, Castile, NY 14427
VIST BANK (MI-CRB)
1240 Broadcasting Road, Wyomissing, PA 19610

Application, pursuant to Section 601-b of the Banking Law, for Mahopac Bank, The Bank of Castile, and VIST Bank to merge with and into Tompkins Trust Company, under the name Tompkins Community Bank, approved.


October 7, 2021 (PF-LFS)
MACKOUL INSTALLMENT SERVICES, LLC DBA MIS PREMIUM FINANCING
25 Nassau Lane, Island Park, NY 11558

Application filed by Mackoul Installment Services, LLC DBA MIS Premium Financing to engage in doing business as a Premium Finance Agency pursuant to Article12-B of the NYS Banking Law, was approved effective September 30, 2021.


October 7, 2021 (SF-LFS)
ROADRUNNER FINANCIAL, INC.
116 West 32nd Street, 9th Floor, New York, NY 10001

Application for a license to engage in business as a sales finance company was approved effective September 23, 2021.


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

October 6, 2021 (BR-MBD)
Scarsdale Capital Group LLC
824 White Plains Road, Scarsdale, NY 10583

October 6, 2021 (BR-MBD)
Salvation Financial Inc
197 Rt 18 South Suite 201N, East Brunswick, NJ 08816


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

October 6, 2021 (MB-MBD)
Full Service Branch
Sun West Mortgage Company, Inc.
35 West Main Street, 1st Floor, Smithtown, NY 11787

October 6, 2021 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
4949 Express Drive North, Suite 103, Ronkonkoma, NY 11779

October 6, 2021 (MB-MBD)
Full Service Branch
PHH Mortgage Corporation D/B/As:
Instamortgage.com
Liberty Reverse Mortgage
Mortgagesave.com
PHH Mortgage Services
5177 Richmond Ave., Suite 300, Houston, TX 77056

October 6, 2021 (MB-MBD)
Full Service Branch
Homebridge Financial Services, Inc. D/B/A Menlo Park Funding
1811 W. North Avenue, Suite 201, Chicago, IL 60622

October 6, 2021 (MB-MBD)
Full Service Branch
Embrace Home Loans, Inc.
425 Broadhollow Road, Suite 400, Melville, NY 11747


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

September 30, 2021 (MB-MBD)
Homestead Funding Corp.
1253 Park Street, Suite UE8, Clearwater, FL 33756
Effective Date: September 24, 2021


Certificate to engage in the business of a Mortgage Loan Servicer Branch surrendered:

October 1, 2021 (MLS-MBD)
RoundPoint Mortgage Servicing Corporation
17300 Preston Road, Suite E210, Dallas, TX 75252
Effective Date: August 16, 2021


Mortgage Banker License Name Changes:

October 6, 2021 (MB-MBD)
From: United Northern Mortgage Bankers Limited
To: UNMB Home Loans Inc.


Mortgage Broker Certificate Address Changes:

October 6, 2021 (BR-MBD)
Lightning Funding Inc.
From: 300 Bedford Avenue, Suite 203, Bellmore, NY 11710
To: 97 Main Street, East Rockaway, NY 11518

October 6, 2021 (BR-MBD)
AFC Mortgage Group, LLC
From: 227 Monroe Turnpike, Suite 3F, Monroe, CT 06468
To: 471 Monroe Turnpike, Monroe, CT 06468


Mortgage Banker Branch License Address Changes:

October 6, 2021 (MB-MBD)
Homebridge Financial Services, Inc. D/B/A Menlo Park Funding
From: 15301 Dallas Parkway, Suite # 900, Addison, TX 75001
To: 15601 Dallas Parkway, Suite 500, Addison, TX 75001

October 6, 2021 (MB-MBD)
Total Mortgage Services, LLC
From: 44 Broadway, Lower Front South Office, Greenlawn, NY 11740
To: 504 Lexington Avenue, Suite C, Chapin, SC 29036


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

October 4, 2021

722782

Andrew Tam

Flushing

New York

Mortgage World Bankers, Inc.

October 4, 2021

1941646

Anthony Nicholas Tarantino

Levittown

New York

Allnet Group, Inc.

October 4, 2021

1964304

Joseph Nicholas Carrara

Staten Island

New York

Think One Mortgage Inc.

October 4, 2021

1995044

Gavin Edward McCarthy

Blooming Grove

New York

Better Mortgage Corporation

October 4, 2021

2000809

Diana E. Lopez

West Hempstead

New York

Nationwide Mortgage Bankers, Inc.

October 4, 2021

2036007

Angela Lynn Nunes

Brooklyn

New York

Better Mortgage Corporation

October 4, 2021

2042026

Michael Janosko

Rockville Centre

New York

Meadowbrook Financial Mortgage Bankers Corp.

October 4, 2021

2069746

Frank Thomas Russo

Phillipsburg

New Jersey

Coltrain Funding Group LLC

October 4, 2021

2106394

Mohamed Subtan Mughal

Floral Park

New York

Hartford Funding, Ltd.

 


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

October 1, 2021

395719

Kevin John Heckemeyer

Delray Beach

Florida

October 6, 2021

351133

Natalie Anita Premock

Davie

Florida

October 6, 2021

356114

Daniel Morris Maggin

Kensington

Maryland

October 6, 2021

1721744

Ryan Christopher Seybuck

Odenton

Maryland

October 6, 2021

2027388

Jonathan Loyhayem

Tarzana

California