Weekly Banking Bulletin

November 11, 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

October 21, 2022 (CU-CRB)
AMERICU CREDIT UNION
1916 Black River Boulevard, Rome, NY 13440

Application to amend the bylaws to expand the field of membership to include Broome County, Chenango County, Clinton County, Essex County, Franklin County, Fulton County, Hamilton County, Montgomery County, Otsego County, St. Lawrence County, Seneca County, Schoharie County, Tioga County, Tompkins County, and Wayne County, received.

The comment period on this application will expire on December 12, 2022.

---

November 3, 2022 (TM-LFS)
FACEBOOK PAYMENTS INC.
1601 Willow Road, Menlo Park, California

Notification received for the change of legal name to Meta Payments Inc.

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.

---

November 7, 2022 (TR-CRB)
FLUSHING BANK
260 East RXR Plaza, Uniondale, NY 11556

Application dated November 7, 2022, for permission to change the location of branch office from 661 Hillside Avenue, North New Hyde Park, Nassau County, New York 11040 to 697B Hillside Avenue, New Hyde Park, Nassau County, New York 11040, received.

---

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

November 7, 2022 (MB-MBD)
Full Service Branch
Shamrock Home Loans, Inc.
6 W Marlborough St., Newport, RI 02842

November 8, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
7 Southside Drive, Suite 201, Clifton Park, NY 12065

November 9, 2022 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
27 Main St, Ste 203, Marlborough, MA 01752

November 9, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
448 N. 10th Street, Suite 600, Philadelphia, PA 19123

---

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
May 27, 2022	2315572	Johnathan Clint Phillips	Pulaski	Tennessee
August 24, 2022	2361672	Marlena R. Gabriele Iacchetta	Penfield	New York
August 26, 2022	1499231	Viktoria Makarova	Orlando	Florida
September 7, 2022	2350763	Edouard Pierre Claus	Miami	Florida
September 8, 2022	1697896	Benjamin James Wharton	San Dimas	California
September 8, 2022	2178098	Andro Aziz	Huntington Beach	California
September 14, 2022	2334585	Ludovico D'Angelo	Brooklyn	New York
September 16, 2022	2363505	Annette Rivera	New Rochelle	New York
September 20, 2022	220566	Todd Jay Adwar	St. James	New York
September 20, 2022	2341290	Andrea Sarah Pearl	West Hempstead	New York
September 21, 2022	1116063	Nichole Ann Grimm	Clinton	Pennsylvania
September 23, 2022	2412048	Mina Meleka	Howard Beach	New York
September 30, 2022	2211162	Sandra Elisa Weir	Yonkers	New York
October 5, 2022	491580	Travis Allen Lang	Mandan	North Dakota
October 11, 2022	2416137	Dylan Michael Doughty	Scarsdale	New York
October 14, 2022	1085606	Tzuchun Chen	Flushing	New York
October 14, 2022	2358108	Kimberley Ann Vullo	Salem	Oregon
October 17, 2022	1113700	Sean Ahearn	Roslyn Heights	New York
October 17, 2022	2358537	Edward James Kyle	Clifton Park	New York
October 18, 2022	1383789	Lisbeth Rivas	Bethel	Connecticut
October 18, 2022	2214105	Emanuel Elisea	Costa Mesa	California
October 18, 2022	2267237	Alberto Delarosa	Long Beach	New York
October 21, 2022	21749	Gabriela Slazak	Brick	New Jersey
October 21, 2022	785361	Brian Krisman	Colts Neck	New Jersey
October 21, 2022	2427149	Bryan Christopher Cunningham	Hilton	New York
October 24, 2022	785432	Carl Fortunato	Colts Neck	New Jersey
October 24, 2022	1090187	Logan M. Orros	Browns Mills	New Jersey
October 26, 2022	11693	Salvatore Guagenti	Freehold	New Jersey
October 27, 2022	1950335	Jonathan Lamonz Wilson	McKinney	Texas
October 28, 2022	1537015	Bridget Marie McGuire	Columbia	Missouri
October 28, 2022	2354230	Jeremy Daniel Evers	Jefferson City	Missouri
October 31, 2022	1666781	Matthew Kent Hinckley	Anna	Texas
October 31, 2022	2038529	Bryan Sinclair Hollins	Dallas	Texas
November 2, 2022	633052	Marianne Elizabeth Campbell	Canoga Park	California
November 2, 2022	1963502	Lee Gentry Gates	Frisco	Texas
November 2, 2022	2054922	Orlando Sanchez	Dallas	Texas
November 2, 2022	2410009	Lindsey Jo Finch	Columbia	Missouri

---

SECTION II

January 12, 2022 (SF-LFS)
SPRINT SPECTRUM LLC
12920 SE 38th Street, Bellevue, Washington 98006

Notification for the change of legal status and name from Sprint Spectrum, LP D/B/A Sprint to Sprint Spectrum LLC was approved. Notification for the change of main address from 6200 Sprint Parkway, Overland Park, Kansas 66251 to 12920 SE 38th Street, Bellevue, Washington 98006 was approved.

---

November 3, 2022 (FB-FWB)
BANCO SANTANDER, S.A.
Avenida de Cantabria s/n 28660 Boadilla del Monte, Madrid, Spain

Approval given to change the location of branch from 45 East 53rd Street, Borough of Manhattan, City of New York 10022 to 437 Madison Avenue, Borough of Manhattan, City of New York 10022, on or after November 4, 2022.

---

November 4, 2022 (SF-LFS)
INNOVATIVE FUNDING SERVICES L.L.C.
1706 E New Hope Drive, Suite A, Leander, TX 78641

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

---

November 7, 2022 (CC-LFS)
REGINA CHECK CASHING CORP.
739 West Nyack Road, West Nyack, Rockland, New York, 10994

The license to engage in business as a casher of checks at the following location has been surrendered, effective September 22, 2022:

Branch office:  450 Hoosick Street, Troy, NY 12180.

---

November 7, 2022 (MI-CRB)
CITIZENS & NORTHERN BANK
90 Main Street, Wellsboro, PA 16901

Authorization granting permission to open and occupy branch office at 3 Main Street, Canisteo, Steuben County, New York 14823, surrendered for cancellation.

Office discontinued as of November 4, 2022.

---

November 8, 2022 (TM-LFS)
GLOBAL TRANSFERS LLC
40 Tenth Ave, 4th Floor, New York, NY 10014

Application for change of location from 400 Kelby Street, Parker Plaza, Suite 1600, Fort Lee, New Jersey, 07024 to 40 Tenth Ave, 4th Floor, New York, NY 10014 was approved effective November 8, 2022.

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

---

November 8, 2022 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

Authorization issued to open and occupy a branch office at 115 Solar Street, Suite 104, Syracuse, Onondaga County, NY 13204, on or after November 9, 2024.

(The activities of this branch office will be limited to processing loan applications, conducting loan closings, and disbursing loan proceeds. This office will not accept deposits.)

---

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

November 8, 2022 (MB-MBD)
Full Service Branch
Prosperity Home Mortgage, LLC
7720 N. Dobson Road, 3rd Floor, Scottsdale, AZ 85256

November 8, 2022 (MB-MBD)
Full Service Branch
Embrace Home Loans, Inc.
620 Main Street, Unit 1, East Greenwich, RI 02818

November 8, 2022 (MB-MBD)
Full Service Branch
Prosperity Home Mortgage, LLC
504 Bridgeport Avenue, Suite 501, Shelton, CT 06484

November 8, 2022 (MB-MBD)
Full Service Branch
Prosperity Home Mortgage, LLC
20 Wilton Road, Suite 201, Westport, CT 06880

November 8, 2022 (MB-MBD)
Full Service Branch
Prosperity Home Mortgage, LLC
2 Sound View Drive, FL1, Suite 103, Greenwich, CT 06830

November 8, 2022 (MB-MBD)
Full Service Branch
Prosperity Home Mortgage, LLC
136 East Putnam Ave., Suite 101, Greenwich, CT 06830

November 8, 2022 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation
446 Wrenplace Road, Suite 210, Fort Mill, SC 29715

November 8, 2022 (MB-MBD)
Full Service Branch
Finance of America Mortgage LLC
2281 Lava Ridge Court, Suite 210, Roseville, CA 95661

---

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

November 3, 2022 (MB-MBD)
SoFi Lending Corp.
2750 E Cottonwood Parkway, Suite 300, Cottonwood Heights, UT 84121
Effective Date: October 28, 2022

---

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

November 3, 2022 (MB-MBD)
SoFi Lending Corp.
3960 Howard Hughes Parkway, Suite #480, Las Vegas, NV 89169
Effective Date: October 28, 2022

November 3, 2022 (MB-MBD)
SoFi Lending Corp.
2601 Network Blvd., Suite 600, Frisco, TX 75034
Effective Date: October 28, 2022

November 3, 2022 (MB-MBD)
SoFi Lending Corp.
5335 Gate Parkway, Suite 500, Jacksonville, FL 32256
Effective Date: October 28, 2022

November 4, 2022 (MB-MBD)
Guaranteed Rate, Inc.
6 W Marlborough Street, First Floor, Newport, RI 02840
Effective Date: November 3, 2022

November 8, 2022 (MB-MBD)
American Financial Network, Inc.
610 Thimble Shoals Blvd Suite 201A, Newport News, VA 23606
Effective Date: November 3, 2022

---

Mortgage Banker Branch License Address Changes:

November 8, 2022 (MB-MBD)
Envoy Mortgage, Ltd.
From: 3366 Park Avenue, Suite 205, Wantagh, NY 11793
To: 15 Merrick Avenue, Suite 222, Merrick, NY 1156

---

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
November 1, 2022	2169002	Jeremy Dean Schulenburg	West Palm Beach	Florida	Freedom Mortgage Corporation
November 1, 2022	2253011	Christopher Malik Thomas	Sicklerville	New Jersey	PHH Mortgage Corporation

---

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
November 3, 2022	199928	Cynthia Rita Uphus-Hernandez	Coppell	Texas
November 3, 2022	279318	William D. Fann	Frisco	Texas
November 3, 2022	1703433	Cescily Shanel Dapson	Los Angeles	California
November 3, 2022	2038955	Stephen Paul Berlin	Troy	Michigan
November 3, 2022	2087178	Aaron John Conway	Phoenix	Arizona
November 3, 2022	2253293	Nicole R. Reyes	Washingtonville	New York
November 3, 2022	2285297	Judith Ann Burke	Barrington	Rhode Island
November 3, 2022	2367274	Lalaine P. Hagler	Garden Grove	California