Weekly Banking Bulletin

September 30, 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

August 2, 2022 (TM-LFS)
MASTERCARD TRANSACTION SERVICES (US) LLC
44 Wall Street, Suite 800, 8th Floor, New York, NY 10005

Notification received for the change of location from 44 Wall Street, Suite 800, 8th Floor, New York, NY 10005 to 150 Fifth Avenue, New York, NY 10011.

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.


September 22, 2022 (MI-CRB)
CONNECTONE BANK
301 Sylvan Avenue, Englewood Cliffs, NJ 07632

Application dated September 6, 2022, for permission to open and occupy a branch office at 800 Old Country Road, Riverhead, Suffolk County, New York 11901, received.


September 23, 2022 (SF-LFS)
UNITED CREDIT AUTO CORPORATION
1071 Camelback, Suite 100, Newport Beach, California 92660

Notification received for a change of name from United Auto Credit Corporation to United Auto Credit Corporation DBA Vroom Financial Services.

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.


September 28, 2022 (TR-CRB)
TOMPKINS COMMUNITY BANK
118 East Seneca Street, Ithaca, NY 14850

Application dated September 6, 2022, for permission to open and occupy a branch office at 400 South Salina Street, Syracuse, Onondaga County, New York 13202, received.


September 28, 2022 (SB-CRB)
RHINEBECK BANK
2 Jefferson Plaza, Poughkeepsie, NY 12601

Notice of intention to close branch office at 360 Route 17M, Monroe, Orange County, New York 10950, received.

The comment period on this notice will expire October 31, 2022.


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

September 28, 2022 (MB-MBD)
Applicant(s)
Agnieszka Katarzyna Jackowska
Donald Robert Mullen
Francis Morris Pinckney
John Charles Keratsis
Lee Michael Alexander
Lewis Fulton Semones
Lisa Gail Heitzmann
Matthew David Nichols
Mortgage Origination Holdings, LLC
Pretium DH Ownership Trust
Roy Michael Witt
Thomas Davis Ritchie
Thomas Davis-Fernandez
As: Deephaven Mortgage LLC
3530 Toringdon Way Ste. 300, Charlotte, NC 28277


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

September 23, 2022 (MB-MBD)
Full Service Branch
FM Home Loans, LLC
4100 Hollywood Boulevard, 2nd Floor, Hollywood, FL 33021

September 28, 2022 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
827 Morris Park Avenue, Store #1, Bronx, NY 10462


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

September 28, 2022 (BR-MBD)
Full Service Branch
Landstone Equities, LLC
19 Robert Pitt Drive, Ste 112, Monsey, NY 10952


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
January 20, 2021 919145 Adam R. Dratch Middletown New Jersey
December 16, 2021 2091452 Justin Paul Johnson Yorba Linda California
February 2, 2022 2270541 Kenneth Anderson Brooklyn New York
March 18, 2022 38596 Spiro A. Spiliotis New Rochelle New York
March 28, 2022 2303616 Irina Alomar Middle Village New York
May 10, 2022 2234785 Kevin David McCann Farmingdale New York
June 1, 2022 1077913 Sean Francis Beahan Plymouth Meeting Pennsylvania
June 2, 2022 2310983 Debbie Santiago Staatsburgh New York
July 22, 2022 1877574 Sydney Taylor Hahn Brooklyn New York
July 27, 2022 2347112 Sunaina Monga Farmingdale New York
August 10, 2022 602737 Hillary Kim Bayside New York
August 15, 2022 1938682 Lisa S. Scott Piscataway New Jersey
August 17, 2022 593206 Sean Michael Kenny Little Falls New Jersey
August 25, 2022 2391157 Alexander Harris Blanc Smithtown New York
September 1, 2022 2168697 Joseph Afif Nicolas Jupiter Florida
September 7, 2022 1550533 Sean S. McConville Yardley Pennsylvania
September 8, 2022 223143 Timothy William Maher Manasquan New Jersey
September 13, 2022 2185296 Karina Elizabeth Hidalgo Hidalgo San Diego California
September 15, 2022 2284574 Salah K. Brown Laurelton New York
September 16, 2022 1347422 Luis Alberto Echevarria Allentown Pennsylvania
September 19, 2022 1997074 Dajuan Lovander Hawkins Long Beach California
September 19, 2022 2295052 Milo Gene Peddycord Anaheim California
September 20, 2022 1159638 Brooke E. Gifford Westmoreland New York
September 20, 2022 1878502 Kevin Wayne Jones Pasadena California
September 20, 2022 2124331 Nathan Winfield Wallace Van Nuys California
September 21, 2022 2344264 Shantel Ann Dooling Jefferson City Missouri
September 22, 2022 1942603 Philippe Gustave Desoto Texas
September 23, 2022 1870414 Fredy Rodas Santa Ana California
September 23, 2022 1870432 Carlos Anthony Nader Fullerton California
September 23, 2022 2335155 Jennifer Leann Lucas Franklin Tennessee
September 23, 2022 2372349 Joshua Nathanael Carroll Murfreesboro Tennessee

SECTION II

September 7, 2022 (SF-LFS)
AMERIFIRST HOME IMPROVEMENT FINANCE, LLC U/A/N AMERIFIRST FINANCE
11171 Mill Valley Road, Omaha, NE 68154

License to engage in business as a sales finance company was surrendered.


September 26, 2022 (CC-LFS)
CASTLE CHECK CASHING CORP.
4173 Broadway, New York, New York, 10033

The license to engage in business as a casher of checks at the following location has been surrendered, effective August 15, 2022:

Branch office:  4764 Broadway, New York, NY 10034.


September 28, 2022 (TR-CRB)
TOMPKINS COMMUNITY BANK
118 East Seneca Street, Ithaca, NY 14850

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 2 Church Street, Ossining, Westchester County, New York 10562, will not result in a significant reduction of financial services in the community to be affected.


September 28, 2022 (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 101 Second Street, San Francisco, San Francisco County, California 94105.  (This trust office will replace the office at 50 Fremont Street, Suite 3900, San Francisco, San Francisco County, California 94105.)


September 29, 2022 (MI-CRB)
CNB BANK
1 S. Second Street, Clearfield, PA 16830

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be temporarily located at Highpoint Building 300, 211 High Point Drive, Victor, Ontario County, New York 14564.

(Opening of representative office registered on May 31, 2022, located at 235 High Street Extension, Unit # 2, Victor, Ontario County, New York 14564, has been delayed due to construction issues.)


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

September 27, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
108 South Fifth Street, Suite #211, Reading, PA 19602

September 27, 2022 (MB-MBD)
Full Service Branch
American Financial Network, Inc.
6745 Daly Road Suite B, West Bloomfield, MI 48322

September 27, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
230 Commerce, Suite 200, Irvine, CA 92602

September 27, 2022 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation
1244 Hamilton Street, Suite 203, Allentown, PA 18102

September 27, 2022 (MB-MBD)
Full Service Branch
NJ Lenders Corp.
6851 Jericho Turnpike, Suite 135, Syosset, NY 11791

September 27, 2022 (MB-MBD)
Full Service Branch
Ark-La-Tex Financial Services, LLC
4783 Farmingdale Drive, Suite 108, Colorado Springs, CO 80918

September 27, 2022 (MB-MBD)
Full Service Branch
Homebridge Financial Services, Inc.
54 Woodstock Avenue, Suite 1, Rutland, VT 05701

September 27, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
5005 Meridian Boulevard, Suite 150, Franklin, TN 37067


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

September 27, 2022 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
36 Airport Rd., Suite 202, Lakewood, NJ 08701


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

September 23, 2022 (MB-MBD)
Premium Mortgage Corp.
128 Main Street, Unit #1, Geneseo, NY 14454
Effective Date: September 20, 2022

September 23, 2022 (MB-MBD)
Cardinal Financial Company, Limited Partnership
620 North Main Street, Suite A, Springboro, OH 45066
Effective Date: September 20, 2022


Mortgage Banker Branch License Address Changes:

September 27, 2022 (MB-MBD)
Movement Mortgage, LLC
From: 532 Virginia Drive, Orlando, FL 32803
To: 1051 Winderley Place, Suite 100, Maitland, FL 32751


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
September 22, 2022 41110 Jonathan A. Kosow Shelter Island Heights New York loanDepot.com, LLC
September 22, 2022 329974 Jane McClutchy Neptune New Jersey Advisors Mortgage Group, LLC
September 22, 2022 340496 Alexandra Nelson Chicago Illinois Guaranteed Rate, Inc.
September 22, 2022 485247 Scott P. Horowitz Bellmore New York Embrace Home Loans, Inc.
September 22, 2022 1021732 Robert Alfano Marietta Georgia Premier Reverse Mortgage, LLC
September 22, 2022 1459154 Maysaloun Zaitouni Tabet Detroit Michigan Rocket Mortgage, LLC
September 22, 2022 1475298 Heidy Tabora Nolasco Ridgefield New Jersey Caliber Home Loans, Inc.
September 22, 2022 1608655 Deonte R. Williams Pittsburgh Pennsylvania Reliance First Capital, LLC
September 22, 2022 1790527 Alyssa L. McMorris Ballston Spa New York Homestead Funding Corp.
September 22, 2022 1838088 Alexis Noelle Mpistolarides Chicago Illinois Guaranteed Rate, Inc.
September 22, 2022 1855474 Jesse Vizcarra Phoenix Arizona Rocket Mortgage, LLC
September 22, 2022 1867931 Nathaniel Hayes Crowley Texas Nationstar Mortgage LLC
September 22, 2022 1931022 Nicholas James Abdella Clawson Michigan Rocket Mortgage, LLC
September 22, 2022 1937873 Justin Anthony Pretino Allentown Pennsylvania United Mortgage Corp.
September 22, 2022 1951365 Nora Berisha Brewster New York DML Mortgage Enterprises, Inc.
September 22, 2022 1957821 Tertius Zebadiah Lum Novi Michigan Rocket Mortgage, LLC
September 22, 2022 2006891 Erik Aleksanyan Staten Island New York Green Street Capital, LLC
September 22, 2022 2028779 Adrian Alberto Orozco Valley Stream New York Cliffco, Inc.
September 22, 2022 2034070 Kenneth Brandon Andrus Lewisville Texas Nationstar Mortgage LLC
September 22, 2022 2056391 Alexis Joban Castillo Brownstown Michigan Rocket Mortgage, LLC
September 22, 2022 2071127 Brandi Lynn Koepfer Phoenix Arizona Rocket Mortgage, LLC
September 22, 2022 2107622 James Alexander Snell Royal Oak Michigan Rocket Mortgage, LLC
September 22, 2022 2107723 Anais Lopez-Ortega Laveen Arizona Rocket Mortgage, LLC
September 22, 2022 2107963 Lizeth Jimenez Mejia Goodyear Arizona Rocket Mortgage, LLC
September 22, 2022 2108121 Orletta Christine Cross Shelby Township Michigan Rocket Mortgage, LLC
September 22, 2022 2211595 Arlene Otero Jersey City New Jersey loanDepot.com, LLC
September 22, 2022 2220275 Michael Anthony Ingulli Holmdel New Jersey UNMB Home Loans Inc.
September 22, 2022 2241927 Joseph Anthony Carollo Bayside New York CrossCountry Mortgage, LLC
September 22, 2022 2259236 Riley Martin Deason Clinton Township Michigan Rocket Mortgage, LLC
September 22, 2022 2259309 Raed Karim Hammoud Dearborn Heights Michigan Rocket Mortgage, LLC
September 22, 2022 2263753 Ivania Flores Brentwood New York United Mortgage Corp.
September 22, 2022 2297886 Brandon Marsala Famington New York Haus Capital Corporation
September 22, 2022 2303557 Stevan Faris Hanna Warren Michigan Rocket Mortgage, LLC
September 22, 2022 2308148 Wesley Earl Grimes Aubrey Texas Nationstar Mortgage LLC
September 22, 2022 2318792 Kathleen Casey Zygiel Denton Texas Nationstar Mortgage LLC
September 22, 2022 2326494 Nicole Lynn Johnson Lewisville Texas Nationstar Mortgage LLC
September 22, 2022 2327230 Thomas Pearce Oleyourryk Brighton New York Haus Capital Corporation
September 22, 2022 2373405 Jamie Calum MacInnes Columbia Missouri Mortgage Research Center, 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:

Date Application Withdrawn NMLS # Applicant Name City State
September 12, 2022 1848197 Felix Diaz Jackson Heights New York
September 12, 2022 2059126 Marissa Mills La Quinta California
September 12, 2022 2343705 Angel Darien Fandino Rodriguez Miami Florida
September 12, 2022 2354672 Alexander Reilly Fay Coral Gables Florida
September 23, 2022 453535 Michael Tulin Alhambra California
September 23, 2022 721862 Charles Na Sugar Land Texas
September 23, 2022 1656077 Longfeng Wang Las Vegas Nevada
September 24, 2022 514745 Tyler J. Florez Elkton Kentucky
September 25, 2022 961941 Cesar Augusto Luzcando Orlando Florida
September 27, 2022 785410 John Stefan North Brunswick New Jersey
September 27, 2022 2226922 Richard Finley Ogren Newport Beach California
September 27, 2022 2351854 David Joseph Cicchetti Brentwood Missouri
September 28, 2022 121014 Stacy Louis Bucklaw Royersford Pennsylvania
September 28, 2022 600735 William Randall Prusiewicz Phoenix Arizona
September 28, 2022 1162921 Angelo Dilan Miami Beach Florida
September 28, 2022 1410904 Franklyn Quezada Kissimmee Florida