Weekly Banking Bulletin

July 29, 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

July 25, 2022 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Application dated July 25, 2022, for permission to change the location of branch office from 3824 White Plains Road, Borough of Bronx, City of New York 10467 to 3951 White Plains Road, Borough of Bronx, City of New York 10466, received:

---

July 26, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Application dated July 26, 2022, for permission to change the location of branch office from 4950 Broadway, Borough of Manhattan, City of New York 10034 to 592 West 207th Street, Borough of Manhattan, City of New York 10034, received.

---

July 27, 2022 (SF – LFS)
FOUNDATION FINANCE COMPANY, LLC
10101 Market Street, Suite B100, Rothschild, Marathon County, WI 54474

Application was received for a change of control whereby Fulcrum Acquisitions Holdings SPV LLC, located at 350 Park Avenue, 12th Floor, New York, NY 10022, will acquire 100% of the outstanding membership interests of Licensee, Foundation Finance Company LLC, from Garrison Foundation LLC

---

July 29, 2022 (SL-CEU)
PERFORMANT TECHNOLOGIES
333 N. Canyons Parkway, Suite 100, Livermore, CA 94551

Application for a license to engage in business as a student loan servicer, received.

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.

---

July 29, 2022 (SL-CEU)
SIMM ASSOCIATES, INC.
800 Pencader Drive, Newark, DE 19702

Application for a license to engage in business as a student loan servicer, received.

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.

---

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

July 26, 2022 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
107 William Street, Fredericksburg, VA 22401

July 26, 2022 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation
7120 Samuel Morse Drive, Suite #130, Columbia, MD 21046

July 27, 2022 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation
2003 Highway 71, Suite 2, Spring Lake Heights, NJ 07762

July 27, 2022 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
13785 Research Blvd, Suite 125, Austin, TX 78750

July 27, 2022 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
31 E Ridgewood Ave., Office 3, 3rd Floor, Ridgewood, NJ 07450

July 27, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
4850 Tamiami Trail North, Suite 301, Naples, FL 34103

July 27, 2022 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
6797 Route 9, Suite 19, Rhinebeck, NY 12572

July 27, 2022 (MB-MBD)
Full Service Branch
NJ Lenders Corp.
1615 South Congress Avenue, Suite 103 Office Number 169, Delray Beach, FL 33445

---

Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for control interest:

July 25, 2022 (BR-MBD)
Applicant(s)
Chava R Reifer
To acquire interest in:
Capital Plus Residential
1413-1425 38th Street, Suite 201, Brooklyn, NY 11218

---

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.

SECTION II

July 25, 2022 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Notification received, in accordance with Supervisory Policy G 8, of the closing of the representative office at 111 W. St. John Street, Suite 1120, San Jose, Santa Clara County, California 95113, effective July 25, 2022.

---

July 26, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Approval given to change the location of branch office from 626 Pelham Parkway South, Borough of Bronx, City of New York 10462 to 2186 White Plains Road, Borough of Bronx, City of New York 10462, on or after July 27, 2022.

---

July 26, 2022 (TR-CRB)
TOMPKINS COMMUNITY BANK
118 East Seneca Street, Ithaca, NY 14850

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 99 Garnsey Road, Suite 400, Pittsford, Monroe County, NY 14534.  (This trust office will replace the office at 179 Sully's Trail, Town of Perinton, Monroe County, NY 14534.)

---

July 26, 2022 (SF-LFS)
AQUA FINANCE, INC.
ONE CORPORATE DRIVE, SUITE 300, WAUSAU, WI 54401     

The change of control application received from Otter Holdco, Inc. to acquire 100% ownership in Aqua Intermediate, Inc., the direct parent of the licensee Aqua Finance, Inc. was approved effective July 14, 2022.

---

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

July 27, 2022 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC
10 Elizabeth Street, Suite 302, River Edge, NJ 07661

July 27, 2022 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
651 Willowbrook Rd, Suite 102, Staten Island, NY 10314

July 27, 2022 (MB-MBD)
Full Service Branch
CMG Mortgage, Inc.
208 Golden Oak Ct. Suite 230, Virginia Beach, VA 23452

July 27, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
174 South Road, Suite 126, Enfield, CT 06082

July 27, 2022 (MB-MBD)
Full Service Branch
Allied Mortgage Group, Inc.
360 Central Avenue, Suite 800, Office 844, St. Petersburg, FL 33701

July 27, 2022 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation
2200 Lucien Way, Suite 320, Maitland, FL 32751

July 27, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
541 S Orlando Ave, Ste 203, Maitland, FL 32751

July 27, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
25-02 Francis Lewis Boulevard, Flushing, NY 11358

July 27, 2022 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
2907 Bridge Ave, First Floor, Point Pleasant, NJ 08742

July 27, 2022 (MB-MBD)
Full Service Branch
Reverse Mortgage Funding LLC
540 Ritchie Highway, Suite 303, Severna Park, MD 21146

July 27, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
10320 Little Patuxent Pkwy, Suite 1140, Columbia, MD 21044

July 27, 2022 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
8 W Main St, Ste A, Patchogue, NY 11772

---

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

July 27, 2022 (BR-MBD)
Full Service Branch
Haus Capital Corporation
10 Blacksmith Drive, Suite 3, Ballston Spa, NY 12020

---

Certificate to engage in the business of a Mortgage Broker surrendered:

July 27, 2022 (BR-MBD)
NetFunding Corporation
162 Budd Road, Newark, NY 14513
Effective Date: June 30, 2022

---

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

July 21, 2022 (MB-MBD)
Homebridge Financial Services, Inc.
15601 Dallas Parkway, Suite 500, Addison, TX 75001
Effective Date: July 20, 2022

---

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

July 26, 2022 (MLS-MBD)
Provident Funding Associates, L.P.
1230 Columbia Street, Suite 1160, San Diego, CA 92101
Effective Date: July 21, 2022

---

Mortgage Broker Certificate Address Changes:

July 26, 2022 (BR-MBD)
TNV Mortgage, LLC In Lieu of The New Vision Mortgage, LLC
From: 915 Clifton Avenue, 2nd Floor, Clifton, NJ 07013
To: 1266 Clifton Ave, Clifton, NJ 07012

---

Mortgage Banker Branch License Address Changes:

July 26, 2022 (MB-MBD)
Cardinal Financial Company, Limited Partnership
From: 125 Half Mile Rd., Suite 200 - Office #7, Red Bank, NJ 07701
To: 1301 Corlies Ave, Ste 6-E, Neptune, NJ 07753

---

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
July 21, 2022	54526	Christopher Michael Berti	Selkirk	New York	Fairway Independent Mortgage Corporation
July 21, 2022	149098	Masood Ahmad Malik	Valley Stream	New York	State  Capital Group  Corp.
July 21, 2022	211224	Michael Louis Casapulla	Pompton Plains	New Jersey	Forte Financial, LLC
July 21, 2022	990931	Brandon Christian Tomlin	Perkiomenville	Pennsylvania	Freedom Mortgage Corporation
July 21, 2022	1259944	Fremio X. Zucco	Hartsdale	New York	US Mortgage Corporation
July 21, 2022	1730090	Yadong Sun	College Point	New York	CGAP, Inc.
July 21, 2022	1747277	Patricia Accavallo	Wyckoff	New Jersey	Absolute Home Mortgage Corporation
July 21, 2022	1957595	Fation Bleta	Westland	Michigan	Rocket Mortgage, LLC
July 21, 2022	1967739	Michael Adrian Smith	Conshohocken	Pennsylvania	Freedom Mortgage Corporation
July 21, 2022	1976616	Jennifer Lynn Thornton	Chatham	New Jersey	Guaranteed Rate, Inc.
July 21, 2022	1986547	Ruben Belbe	Glendale	Arizona	Rocket Mortgage, LLC
July 21, 2022	2016955	Sant Prakash Singh	Richmond Hill	New York	CGAP, Inc.
July 21, 2022	2019273	Michael Kenneth Charvet	Colonia	New Jersey	Bond Street Mortgage, LLC
July 21, 2022	2022860	Mina Safwat Ayad Hanna	Dearborn	Michigan	Rocket Mortgage, LLC
July 21, 2022	2031881	Stephen Cory Infeld	Dix Hills	New York	Finance of America Reverse LLC
July 21, 2022	2032637	Rachel Anne Aul	Elizabeth	Pennsylvania	Reliance First Capital, LLC
July 21, 2022	2033215	Sarah Nee Farrell	Wellesley	Massachusetts	Guaranteed Rate, Inc.
July 21, 2022	2041178	Luke Paul Riedel	Miller Place	New York	Intercontinental Capital Group, Inc.
July 21, 2022	2083148	David Andrew Geier	Columbia	Missouri	Mortgage Research Center, LLC
July 21, 2022	2112159	Matthew Francis Budzinski	Lawrenceville	New Jersey	Freedom Mortgage Corporation
July 21, 2022	2150100	Deonte Barimah	Saint Albans	New York	Canyon Mortgage Corp.
July 21, 2022	2220345	Brandon Michael Katzman	Oceanside	New York	Nationwide Mortgage Bankers, Inc.
July 21, 2022	2238575	Shane Michael Waite	Auburn Hills	Michigan	Rocket Mortgage, LLC
July 21, 2022	2245172	Dustin William Marlatt	Riverside	California	loanDepot.com, LLC
July 21, 2022	2266761	Saara Usman	Breinigsville	Pennsylvania	Guidance Residential, LLC
July 21, 2022	2285700	Russell Henry Mitchell	Columbia	Missouri	Mortgage Research Center, LLC
July 21, 2022	2293117	Kara Ashley Hall	Columbia	Missouri	Mortgage Research Center, LLC
July 21, 2022	2313984	Collin Matthew Parody	Brownville	New York	Movement Mortgage, LLC
July 22, 2022	1994538	Manish Shah	Bartlett	Illinois	Genex Lending, LLC

---

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: