Weekly Banking Bulletin

August 25, 2023

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 ofSection 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

Mortgage Banker License Name Change Received:

August 18, 2023 (MB-MBD)
From: Ivy Mortgage, Inc.
To: Ivy Mortgage, Inc.  D/B/A Ivy Direct

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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.

Date of Application	NMLS #	Applicant Name	City	State
May 22, 2023	2432709	Joseph John Fiorentino	Batavia	New York
June 6, 2023	2247348	Amanjot Kaur	Queens Village	New York
July 6, 2023	2365192	Eric Przelski	Lutherville	Maryland
July 12, 2023	2483354	Harish Dilawri	Farmingdale	New York
July 20, 2023	1520142	Lei William Fang	Fresh Meadows	New York
August 4, 2023	1718581	Lawford Campbell	Bronx	New York
August 14, 2023	1222681	Ryan D. Musgjerd	Wilmette	Illinois
August 14, 2023	2503421	Ethan Spencer Cramer	Suffern	New York
August 16, 2023	576868	Domenico Vitulli	East Hanover	New Jersey
August 16, 2023	2341515	Luke Egdon Valdemoro	Euless	Texas
August 17, 2023	997581	Meghan Victoria Esteves	Monroe	Connecticut
August 17, 2023	2167010	Nadim H. Alemian	Tampa	Florida

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SECTION II

August 17, 2023 (CC-LFS)
RIVER CITY MARKET, INC.
270 Main Mall, Poughkeepsie, Dutchess, New York 12601-3108

The licenses to engage in business as a casher of checks at the following locations have been surrendered, effective August 8, 2023:

Main office: 270 Main Mall, Poughkeepsie, Dutchess, New York 12601-3108
Branch office: 1582 Route 9, Suite #13, Wappingers Falls, Dutchess, New York 12590

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August 18, 2023 (CC-LFS)
WESTERN NEW YORK CHECK SERVICES, LLC
675 Fillmore Avenue, Buffalo, NY 14212

The license to engage in business as a casher of checks at the following location has been surrendered, effective April 01, 2023: 

Main office:  675 Fillmore Ave., Buffalo, NY 14212

Effective April 1, 2023 Western NY Check Services, LLC is no longer authorized to conduct check cashing business in the State of New York.

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August 21, 2023 (BP-LFS)
FAMILY FINANCIAL EDUCATION FOUNDATION
724 Front Street, Suite 340, Evanston, Wyoming 82930

The license to engage in business as a budget planner at the following location has been surrendered:
724 Front Street, Suite 340, Evanston, Wyoming 82930

Effective July 31, 2023, Family Financial Education Foundation is no longer authorized to conduct budget planner business in the State of New York.

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

August 22, 2023 (BR-MBD)
Brownstone Equity Group Inc.
670 Flushing Ave, Suite 311, Brooklyn, NY 11206

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

August 23, 2023 (MB-MBD)
American Advisors Group D/B/A AAG
18200 Von Karman Avenue, Suite 300, Irvine, CA 92612
Effective Date: August 23, 2023

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

August 22, 2023 (MB-MBD)
PHMC Mortgage
50 S U.S. Highway One, Suite 206, Jupiter, FL 33477
Effective Date: August 11, 2023

August 22, 2023 (MB-MBD)
Hunt Mortgage Corporation
800 Route 146, Suite 320, Clifton Park, NY 12065
Effective Date: August 14, 2023

August 22, 2023 (MB-MBD)
American Financial Network, Inc.
1727 Veterans Memorial Highway Suite 21, Islandia, NY 11749
Effective Date: August 17, 2023

August 23, 2023 (MB-MBD)
Guaranteed Rate, Inc.
27 Frost Lane, Lawrence, NY 11559
Effective Date: August 4, 2023

August 23, 2023 (MB-MBD)
Meadowbrook Financial Mortgage Bankers Corp.
123 NW 13th Street, Suite 220, Boca Raton, FL 33432
Effective Date: August 3, 2023

August 23, 2023 (MB-MBD)
Absolute Home Mortgage Corporation
342 Union Avenue, Rutherford, NJ 07070
Effective Date: August 11, 2023

August 23, 2023 (MB-MBD)
Planet Home Lending, LLC
3485 E. Tremont Avenue, Bronx, NY 10465
Effective Date: August 7, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
9711 Washingtonian Boulevard, Suite 550, Office 545, Gaithersburg, MD 20878
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
510 County Road 466, Suite 207 Office G, Lady Lake, FL 32159
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
4925 Buffalo Road, 2nd Floor, Erie, PA 16510
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
600 Townpark Lane, Suite #300, Kennesaw, GA 30144
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
58 South Service Road, Suite #210, Melville, NY 11747-2342
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
2150 Highway 35, Suite #250, Office #20, Sea Girt, NJ 08750
Effective Date: August 23, 2023

August 23, 2023 (MB-MBD)
Full Service Branch
American Advisors Group
18200 Von Karman Avenue, Suite 1000, Irvine, CA 92612
Effective Date: August 23, 2023

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

August 17, 2023 (MS-MBD)
LoanCare, LLC
4330 West Chandler Boulevard, Chandler, AZ 85226
Effective Date: August 3, 2023

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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.

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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:

Date Application Withdrawn	NMLS #	Applicant Name	City	State
August 16, 2023	1901420	Silvano Gaxiola Heredia	Phoenix	Arizona
August 16, 2023	2488677	Whitney Farber	Fort Lauderdale	Florida
August 18, 2023	2088427	Nathanial David Pollard	Gilbert	Arizona
August 18, 2023	2451787	Jhonatan Arias Restrepo	Rego Park	New York
August 21, 2023	16415	Charles Cozad Bradford	North Palm Beach	Florida
August 23, 2023	1909806	Jake Anthony Clifford	West Islip	New York
August 23, 2023	2014263	Tyler Karim Mecate	La Habra	California
August 23, 2023	2100583	Tristan John Ciardelli	Hinsdale	Illinois