Weekly Banking Bulletin

October 7, 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

Regulatory Unit Codes

SECTION I

September 29, 2022 (TR-CRB)
POPULAR BANK
11 West 51st Street, New York, NY 10019

Application dated September 29, 2022, for permission to change the location of branch office from 633 State Street, Perth Amboy, Middlesex County, New Jersey 08861 to 252 Madison Avenue, Suite 104, Perth Amboy, Middlesex County, New Jersey 08861, received.

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October 4, 2022 (TM-LFS)
CIRCLE INTERNET FINANCIAL, INC.
99 High Street, 17th Floor, Boston, Massachusetts, 02110

Notification received for the legal status change from a corporation, Circle Internet Financial, Inc. to a limited liability company, Circle Internet Financial, LLC.

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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October 5, 2022 (SF-LFS)
CAR FINANCIAL SERVICES, INC.
59 Skyline Drive, Suite 1700, Lake Mary, Florida 32746

Notification received for a change of HQ main address from 59 Skyline Drive, Suite 1700, Lake Mary, Florida 32746 to 725 Primera Blvd., Suite 325, Lake Mary, Florida 32746.

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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October 6, 2022 (TM-LFS)
WESTERN UNION BUSINESS SOLUTIONS (USA), LLC
7979 E. Tufts Avenue, Suite 400, Denver, Colorado, 80237

Notification received for the change of legal name to Convera USA, LLC.

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

September 30, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
29777 Telegraph Road, Suite 1560, Southfield, MI 48034

September 30, 2022 (MB-MBD)
Full Service Branch
Homebridge Financial Services, Inc.
161 Gaither Drive, Suite 104, Mount Laurel, NJ 08054

October 5, 2022 (MB-MBD)
Full Service Branch
Interstate Home Loan Center, Inc.
80-15 188th Street, Suite #203, Hollis, NY 11423

October 5, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
16 W. Market St., Suite 2, Second Floor, West Chester, PA 19382

October 5, 2022 (MB-MBD)
Full Service Branch
Interstate Home Loan Center, Inc.
880 W Beech Street, Suite A, Long Beach, NY 11561

October 5, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
4894 Sparks Blvd., Unit 105, Sparks, NV 89436

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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

The entry concerning an application to do business under an assumed name, which was published on September 16, 2022, is amended as follows:

From:
May 06, 2022 (TM-LFS)
SQUARE, INC.
1455 Market Street, Suite 600, San Francisco, California, 94103

Application for Square, Inc. to do business under the assumed name, Block of Delaware, was approved effective December 10, 2021.

In connection with the above change, the original license was surrendered

To:
May 06, 2022 (TM-LFS)
BLOCK OF DELAWARE
1455 Market Street, Suite 600, San Francisco, California, 94103

Application for Block, Inc. (formerly known as Square, Inc.) to do business in New York under the assumed name, Block of Delaware, was approved effective December 10, 2021.

In connection with the above change, the original license was surrendered.

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August 11, 2022 (SF-LFS)
FIRST HELP FINANCIAL, LLC    
160 Gould Street Suite 100, Needham, Massachusetts 02494

License rider was issued to reflect the change of main address from 199 Wells Avenue, Suite 211, Newton, Massachusetts 02459 to 160 Gould Street Suite 100, Needham, Massachusetts 02494.     

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September 30, 2022 (BK-CRB)
THE BERKSHIRE BANK
4 East 39th Street, New York, NY 10016

Authorization granting permission to open and occupy branch office at 214 Harriman Drive, Goshen, Orange County, New York 10924, surrendered for cancellation:

Office discontinued as of September 30, 2022.

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September 30, 2022 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 401 Plymouth Road, Suite 195, Plymouth Meeting, Montgomery County, Pennsylvania 19462.

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October 5, 2022 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC  
10 Elizabeth Street, River Edge, New Jersey 07661

The license to engage in business as a casher of checks at the following location has been surrendered, effective September 27, 2002: 

Branch office:  94-02 78th Street, Ozone Park, New York 11416

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October 5, 2022 (bp-LFS)
CONSUMER EDUCATION SERVICES, INC.
3724 National Dr. Suite 220 Raleigh, NC 27612

The relocation of a main office was approved as follows, effective August 31, 2022: 
From:  3700 Barrett Drive Raleigh, NC 27609
To:  3724 National Dr. Suite 220, Raleigh, NC 27612

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October 6, 2022 (SB-CRB)
FIRST CENTRAL SAVINGS BANK
70 Glen Street, Glen Cove, NY 11542

Authorization issued to open and occupy a branch office at 346 New York Avenue, Huntington, Town of Huntington, Suffolk County, New York 11743, on or after October 7, 2022.

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

October 4, 2022 (MS-MBD)
Onslow Bay Financial LLC
1211 Avenue of the Americas, 41st Floor, New York, NY 10036

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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:

October 4, 2022 (MB-MBD)
Full Service Branch
NLC Loans in lieu of Nations Lending Corporation
4031 W 1ST St. Office B, Sanford, FL 32771

October 4, 2022 (MB-MBD)
Full Service Branch
Shamrock Home Loans, Inc.
17 Conklin Street, Suite #4, Farmingdale, NY 11735

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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
September 16, 2022	63944	Marco Del Pozo	Bellmore	New York	Interstate Home Loan Center, Inc.
September 16, 2022	1663851	Audrey Elizabeth Morrell	Denton	Texas	Reliance First Capital, LLC
September 16, 2022	1709395	Manuela Rafaela Barson	Boca Raton	Florida	CrossCountry Mortgage, LLC
September 16, 2022	2249261	Marlon A. Brooks	Brooklyn	New York	Contour Mortgage Corporation
September 16, 2022	2278408	Tracy Craig Alexander	Roseville	Michigan	Rocket Mortgage, LLC
September 29, 2022	449333	Mark Edward DeMicoli	Massapequa Park	New York	Finance of America Mortgage LLC
September 29, 2022	589982	Jerome Willard	Shirley	New York	Family First Funding LLC
September 29, 2022	1041432	Camille Duryea Williams	Centreville	Virginia	Prosperity Home Mortgage, LLC
September 29, 2022	1143653	Carissa DiRado	East Aurora	New York	Premium Mortgage Corp.
September 29, 2022	1885730	Daniel Connor Cowan	Shirley	New York	Meadowbrook Financial Mortgage Bankers Corp.
September 29, 2022	1942426	Kaylene Ruth Pennings	Port Jervis	New York	Family First Funding LLC
September 29, 2022	1949972	James Barrowman	Marlboro	New Jersey	CrossCountry Mortgage, LLC
September 29, 2022	1950338	Francesca Marie Svoboda	Hazlet	New Jersey	CrossCountry Mortgage, LLC
September 29, 2022	2111010	Leib Tessler	Brooklyn	New York	The Mint Capital Inc.
September 29, 2022	2254524	Andrea Michelle Triminio Elvir	Linden	New Jersey	Encore Mortgage Company, Inc.
September 29, 2022	2296266	Matthew Ronald Trammell	Dallas	Texas	Nationstar Mortgage LLC
September 29, 2022	2297228	Miryam Schwartz	Monroe	New York	FM Home Loans, LLC
September 29, 2022	2326947	Cade Patrick Johnson	Keller	Texas	Nationstar Mortgage LLC
September 29, 2022	2368783	Ethan Michael Massey	Montgomery City	Missouri	Mortgage Research Center, 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: