Weekly Banking Bulletin

April 15, 2022

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	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

March 3, 2022 (SF-LFS)
FIRST HELP FINANCIAL, LLC   
199 Wells Avenue Suite 211, Newton, Massachusetts 02459

Notification received for a change of main address from 199 Wells Avenue Suite 211, Newton, Massachusetts 02459 to 160 Gould Street, Suite 100, Needham, Massachusetts 02494.

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.

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March 31, 2022 (pf-LFS)
MONTHLY PREMIUM CORP.
68 South Service Road, Suite 210, Melville, New York, 11747

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

From:  68 South Service Road, Suite 210, Melville, New York, 11747
To:  200 Broadhollow Road, Suite 410, Melville, NY 11747

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.

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April 7, 2022 (FR-FWB)
FIRSTRAND BANK LIMITED
4 Merchant Place, Corner Fredman Drive and Rivonia Road, Sandton, Johannesburg, 2196, Republic of South Africa

Application, pursuant to Section 221-c of the Banking Law, to establish and maintain a representative office at 75 Rockefeller Plaza, Borough of Manhattan, City of New York 10019, received.

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April 12, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Application dated April 12, 2022, for permission to open and occupy a branch office at 99 Wood Avenue South, 8th Floor, Iselin, Middlesex County, New Jersey 08830, received.

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April 13, 2022 (LL-LFS)
AMERICREDIT FINANCIAL SERVICES, INC.
801 Cherry Street, Suite 3600, Fort Worth, TX 76102

Application received for a license to engage in business as a licensed lender at 801 Cherry Street, Suite 3600, Fort Worth, TX 76102.

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.

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

April 13, 2022 (MB-MBD)
Applicant(s)
Keith E Polaski
Ryan McKenna
Sarah Valentini
Susan N Goodrich
As: Radius Financial Group Inc.

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

April 8, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC D/B/As:
LDWholesale
loanDepot
2385 NW Executive Center Drive, Suite 120, Boca Raton, FL 33431

April 8, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
2754 NW Crossing Drive, Suite 201, Bend, OR 97703

April 8, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
1408 N. Westshore Blvd, Suite 450, Tampa, FL 33607

April 8, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
1000 US Highway 9 N, Suite 305, Woodbridge, NJ 07095

April 8, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
1515 Market Street, Suite 1530, Philadelphia, PA 19102

April 8, 2022 (MB-MBD)
Full Service Branch
Galaxy Lending Corporation
6003 8th Avenue, 2nd Floor, Brooklyn, NY 11220

April 13, 2022 (MB-MBD)
Full Service Branch
Carrington Mortgage Services, LLC
800 Crescent Centre Drive, Suite 300, Franklin, TN 37067

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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.

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SECTION II

April 7, 2022 (CU-CRB)
BUFFALO SERVICE credit union
130 South Elmwood Avenue, Suite #126, Buffalo, NY  14202

Approval given to change the location of its station from 2875 Union Road, Cheektowaga, Erie County, NY 14227 to 3517 Union Road, Cheektowaga, Erie County, NY 14225, on or after April 8, 2022.

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April 7, 2022 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Authorization granting permission to open and occupy a branch office at 6788 Northern Boulevard, East Syracuse, Onondaga County, New York 13057, surrendered for cancellation.

Office discontinued as of March 25, 2022.

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April 8, 2022 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY  11791

The license to engage in business as a casher of checks at the following location has been surrendered, effective April 6, 2022: 

Branch office:  3429 East Tremont Avenue, Bronx, NY  10465

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

April 12, 2022 (MS-MBD)
Valon Mortgage, Inc.
1501 W. Fountainhead Parkway, Suite 610, Tempe, AZ 85282

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

April 13, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
1420 Kettner Blvd., Suite 112, San Diego, CA 92101

April 13, 2022 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
117 Washington St., Suite 300, Hoboken, NJ 07030

April 13, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
1173 Pittsford-Victor Road, Suite 155, Pittsford, NY 14534

April 13, 2022 (MB-MBD)
Full Service Branch
Total Mortgage Services, LLC
224 Datura Street, Suite 1310, West Palm Beach, FL 33401

April 13, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
65 Madison Avenue, Suite 210, Morristown, NJ 07960

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

April 13, 2022 (BR-MBD)
Full Service Branch
Jennings Realty Agency Corp.
480 Mamaroneck Avenue, Harrison, NY 10528

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

April 8, 2022 (MB-MBD)
Total Mortgage Services, LLC
3637 Del Prado Blvd S., Unit 304, Cape Coral, FL 33904
Effective Date: March 30, 2022

April 11, 2022 (MB-MBD)
Guaranteed Rate, Inc.
1437 Military Cutoff Road, Suite 206, Wilmington, NC 28403
Effective Date: April 4, 2022

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

April 8, 2022 (MS-MBD)
Provident Funding Associates, L.P. D/B/A Provident Funding
100 Radnor Road, Suite 102, State College, PA 16801
Effective Date: March 25, 2022

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Mortgage Banker Branch License Address Changes:

April 12, 2022 (MB-MBD)
Carrington Mortgage Services, LLC
From: 10055 Red Run Boulevard, Suites 250-290, Owings Mills, MD 21117
To: 10200 Grand Central Avenue, Suite 220, Owings Mills, MD 21117

April 12, 2022 (MB-MBD)
Freedom Mortgage Corporation
From: 620 West Covina Boulevard, 2nd Floor, San Dimas, CA 91773-2956
To: 100 North Citrus Street, Suite 340, West Covina, CA 91791

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Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York Banking Law.

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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: