Weekly Banking Bulletin

May 20, 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

SECTION I

May 13, 2022 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close public accommodation office at 2381 Grand Island Boulevard, Grand Island, Erie County, NY 14072, received.

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May 16, 2022 (CU-CRB)
MUNICIPAL CREDIT UNION
22 Cortlandt Street, New York, NY 10007

Application to amend the bylaws to expand the field of membership to include Kings, Bronx, Richmond, Queens and New York Counties, received.

The comment period on this application will expire on June 21, 2022.

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

May 18, 2022 (MB-MBD)
Applicant(s)
Kristina Ringrose
Michael G. Beeman
Roy William Mall
Todd Scrima
As: Summit Funding Enterprises
In Lieu of Summit Funding, Inc.
3900 Lennane Drive, Suite 210, Sacramento, CA 95834

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

From:
June 9, 2021 (BR-MBD)
Applicant(s)
James Dickenson Rudolf
Michael Robert Boroughs
Paul Easa Misleh, II
As: Fortis Mortgage Advisors LLC
1601 114th Avenue SE, Suite 106A, Bellevue, WA 98004

To:
May 18, 2022 (BR-MBD)
Applicant(s)
James Dickenson Rudolf
Michael Robert Boroughs
Paul Easa Misleh, II
James Matthew Ferris
As: Fortis Mortgage Advisors LLC
1601 114th Avenue SE, Suite 106A, Bellevue, WA 98004

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

May 18, 2022 (BR-MBD)
Applicant(s)
Fang Liu
As: Feng Holding
13633 37th Ave, Suite 9A office 7, Flushing, NY 11354

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

May 12, 2022 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
1650 Route 104, Suite 1650 East, Ontario, NY 14519

May 18, 2022 (MB-MBD)
Full Service Branch
PennyMac Loan Services, LLC
251 South Lake Avenue, Suite 500 and Sixth Floor, Pasadena, CA 91101

May 18, 2022 (MB-MBD)
Full Service Branch
PennyMac Loan Services, LLC
2201 West Plano Parkway, Suites 150 and 300, Plano, TX 75075

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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

May 12, 2020 (TM-LFS)
NETSPEND CORPORATION
10900-A Stonelake Blvd., Suite 200, Austin, TX 78759

Application for the change of location from 5800 Airport Blvd, Austin, Texas 78752 to 10900-A Stonelake Blvd., Suite 200, Austin, TX 78759 was approved effective March 2, 2022.
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May 13, 2022 (TR-CRB)
FLUSHING BANK
260 East RXR Plaza, Uniondale, NY 11556

Authorization issued to open and occupy a branch office at 160 Adams Avenue, Hauppauge, Suffolk County, NY 11788, on or after May 14, 2022.

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May 13, 2022 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 111 W. St. John Street, Suite 1105, San Jose, Santa Clara County, California 95113 to 111 W. St. John Street, Suite 1120, San Jose, Santa Clara County, California 95113, effective on or about June 1, 2022.

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May 16, 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 May 5, 2022:

Branch office:  653 Classon Avenue, Brooklyn, NY 11238

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May 17, 2022 (SB-CRB)
ELMIRA SAVINGS BANK
333 East Water Street, Elmira, NY 14901

EAGLE INTERIM BANK, N.A. (MI-CRB) 
5790 Widewaters Parkway, DeWitt, New York 13214

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 11:55 p.m., May 13, 2022, Agreement and Plan of Merger, dated as of October 3, 2021, and Amendment Number One to Agreement and Plan of Merger, dated as of March 23, 2022, and other required documents, providing for the merger of Eagle Interim Bank, N.A. with and into Elmira Savings Bank, under the name Elmira Savings Bank.

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May 17, 2022 (SB-CRB)
ELMIRA SAVINGS BANK
333 East Water Street, Elmira, NY 14901

Elmira Savings Bank merged with and into Community Bank, N.A., Canton, New York, effective May 14, 2022.

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May 18, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Authorization issued to open and occupy a branch office at 1421-1425 Sheepshead Bay Road, Borough of Brooklyn, City of New York 11235, on or after May 19, 2022.

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

May 17, 2022 (MB-MBD)
PennyMac Loan Services, LLC
3043 Townsgate Road, Suite 200, Westlake Village, CA 91361

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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:

May 17, 2022 (MB-MBD)
Full Service Branch
Jet Direct Funding Corp.
164-19 Hillside Avenue, Ste 1, Jamaica Hills, NY 11432

May 17, 2022 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation
406 Broad Street, Suite 1C, Milford, PA 18337

May 17, 2022 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC
306 South New Street, Office 212, Bethlehem, PA 18015

May 17, 2022 (MB-MBD)
Full Service Branch
Homebridge Financial Services, Inc.
106 7th Street, Suite 203, Garden City, NY 11530

May 17, 2022 (MB-MBD)
Full Service Branch
Jet Direct Funding Corp.
4875 Sunrise Highway, Suite 101, Bohemia, NY 11716

May 17, 2022 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
1523 Hendry Street, Fort Myers, FL 33901

May 17, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
8 Essex Center Drive, Suite 305, Peabody, MA 01960

May 17, 2022 (MB-MBD)
Full Service Branch
Reliance First Capital, LLC
100 Paramount Drive, Suite 205, Sarasota, FL 34232

May 17, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
129 Wallins Corners Road, Amsterdam, NY 12010

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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:

May 17, 2022 (BR-MBD)
Full Service Branch
Silver Lining Funding Inc.
145 Marcus Blvd, Suite 4, Hauppauge, NY 11788

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

May 17, 2022 (MB-MBD)
Ark Mortgage, Inc.
1254 Route 27, 1st Floor, Suite B, North Brunswick, NJ 08902
Effective Date: May 6, 2022

May 17, 2022 (MB-MBD)
Rocket Mortgage, LLC
7718 Buffalo Avenue, Niagara Falls, NY 14304
Effective Date: April 28, 2022

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Mortgage Banker Branch License Address Changes:

May 17, 2022 (MB-MBD)
Longbridge Financial, LLC
From: 5200 77 Center Drive, Suite 575, Charlotte, NC 28217
To: 4601 Park Road, Suite 500, Charlotte, NC 28209

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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. 

Date of Approval	NMLS #	Applicant Name	City	State	Sponsoring Entity
May 12, 2022	12602	Dianne Marie Gerrie	Henderson Harbor	New York	Preferred Mortgage Corporation of New York
May 12, 2022	24240	Vincent DiMella	Yorktown Heights	New York	American Financial Network, Inc.
May 12, 2022	65097	Daniel Urbaniak	Mahwah	New Jersey	loanDepot.com, LLC
May 12, 2022	67088	Roderick C. Perpetua	Wappingers Falls	New York	Opulence Funding LLC
May 12, 2022	144115	Michael Benjamin Stengel	Holland	Pennsylvania	NewRez LLC
May 12, 2022	147328	William Leroy Metalsky	Doylestown	Pennsylvania	Mortgage Access Corp.
May 12, 2022	193306	Chance Emanuel McQueen	Portland	Connecticut	First Alliance Home Mortgage, LLC
May 12, 2022	404846	Randy Ascher	Great River	New York	Embrace Home Loans, Inc.
May 12, 2022	441861	John Astrologo	Brewster	New York	CrossCountry Mortgage, LLC
May 12, 2022	630164	William James Doyle	Shamong	New Jersey	Equity Now Inc.
May 12, 2022	685432	John P. Perfetti	Glen Cove	New York	Embrace Home Loans, Inc.
May 12, 2022	999671	Scott Cameron Fletcher	Jackson	Wisconsin	Fairway Independent Mortgage Corporation
May 12, 2022	1003183	Tiffany M. Darcy	Norwalk	Connecticut	Promontory MortgagePath LLC
May 12, 2022	1018003	Benjamin David Radner	Staten Island	New York	Fairway Independent Mortgage Corporation
May 12, 2022	1096544	Michelle Ann Bracken	Lapeer	Michigan	loanDepot.com, LLC
May 12, 2022	1201165	Marco Gabriel Pinto Flores	Brentwood	New York	Contour Mortgage Corporation
May 12, 2022	1255062	Sean Thomas Bogue	West Chester	Pennsylvania	Americana Mortgage Group, Inc.
May 12, 2022	1280610	Jill Lindsey McGowan	San Diego	California	Freedom Mortgage Corporation
May 12, 2022	1460510	Matthew Scott Pullara	Denver	Colorado	American Financing Corporation
May 12, 2022	1600481	Henry Benjamin Greenberg	Highland Park	New Jersey	CrossCountry Mortgage, LLC
May 12, 2022	1663383	Ghadir Bazzi	Garden City	Michigan	loanDepot.com, LLC
May 12, 2022	1667137	Vladimir Charles-Pierre	Baldwin	New York	Canyon Mortgage Corp.
May 12, 2022	1674840	Brian Robert Uckar	Manalapan	New Jersey	Freedom Mortgage Corporation
May 12, 2022	1732693	Jacob Rikio Ragusa	New York	New York	Go Rascal Inc.
May 12, 2022	1771720	Ulisses M. Moreira	Newtown	Connecticut	Sun West Mortgage Company, Inc.
May 12, 2022	1828741	Susan Marie Hunter	Concord	North Carolina	loanDepot.com, LLC
May 12, 2022	2003650	Joshua Mathew Kirsch	Huntington Station	New York	CrossCountry Mortgage, LLC
May 12, 2022	2037944	Robert Bresil	Westbury	New York	Cliffco, Inc.
May 12, 2022	2040536	Rostislav G. Kipervaser	Yorktown Heights	New York	UNMB Home Loans Inc.
May 12, 2022	2093360	Avruhum Meshilim Zishe Muller	Monsey	New York	The Mint Capital Inc.
May 12, 2022	2111625	Steven Ryan Maslanik	Lafayette Hill	Pennsylvania	Guaranteed Rate Affinity, LLC
May 12, 2022	2114191	Bronson Todd Foust	Escondido	California	CrossCountry Mortgage, LLC
May 12, 2022	2114311	Alberto Aviles	New Milford	Connecticut	CrossCountry Mortgage, LLC
May 12, 2022	2136905	Aaron Simon	Monroe	New York	Capital M Inc.
May 12, 2022	2144793	Michael James Fischer	Bedford Hills	New York	American Financial Network, Inc.
May 12, 2022	2149425	Kelsey Lee Huntoon	Barrington	Rhode Island	Embrace Home Loans, Inc.
May 12, 2022	2170326	Justin Michael Mankin	Vacaville	California	Reverse Mortgage Funding LLC
May 12, 2022	2176493	Joshua Anthony Veach	Fort Worth	Texas	Nationstar Mortgage LLC
May 12, 2022	2180950	Alexander Robert Feitl	Greenwood	Indiana	Royal United Mortgage, LLC
May 12, 2022	2187322	Diandra Claire Mercado	Scarsdale	New York	Neighborhood Assistance Corporation of America
May 12, 2022	2213168	Daniel Acevedo	Shirley	New York	Network Capital Funding Corporation
May 12, 2022	2217166	Jeffrey Sungsoo Cha	Carson	California	loanDepot.com, LLC
May 12, 2022	2217234	Joshua Paul Rodriguez Pavelko	Long Beach	California	loanDepot.com, LLC
May 12, 2022	2219207	Dina Soliman	Staten Island	New York	American Financial Network, Inc.
May 12, 2022	2222736	Alessandro Andres Rivera Carvajal	Miami	Florida	Equity Now Inc.
May 12, 2022	2225694	Romina Zamanpour	Irvine	California	loanDepot.com, LLC
May 12, 2022	2230547	Javier E. Kato	Brooklyn	New York	American Neighborhood Mortgage Acceptance Company LLC
May 12, 2022	2235173	Eric Beck	Forest Hills	New York	My Gem Corp.
May 12, 2022	2238476	Cristian Alejandro Velasquez	Westbury	New York	Advisors Mortgage Group, LLC
May 12, 2022	2244222	Timothy Patrick Gleason	Lake View	New York	Nickel City Funding, Inc.
May 12, 2022	2252454	Giovanni Martin Arteaga	Boca Raton	Florida	PHH Mortgage Corporation
May 12, 2022	2253005	Eva Raes	Mays Landing	New Jersey	PHH Mortgage Corporation
May 12, 2022	2273229	Shannen Nicole Mincey	Valley Stream	New York	Madison Mortgage Services Inc.
May 12, 2022	2278177	Nathan Michael Symes	Buffalo	New York	Premium Mortgage Corp.
May 12, 2022	2287387	Alec Howard Valcich	New York	New York	RealFi Home Funding Corp.
May 12, 2022	2314264	Paolo Impellizzeri	Old Greenwich	Connecticut	Forte Financial, LLC

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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: