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New York State Department of Financial Services

Weekly Banking Bulletin

April 27, 2018

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 e-mail to Comments@dfs.ny.gov.

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

BKBankMBMortgage Banker
BPBudget PlannerBRMortgage Broker
CCCheck Casher MS Mortgage Servicer
CUCredit UnionPFPremium Finance Agency
FAForeign AgencyPBPrivate Banker
FBForeign BranchSDSafe Deposit Company
FRForeign Representative OfficeSFSales Finance Agency
HCHolding CompanySLSavings and Loan Association
ICInvestment CompanySBSavings Bank
LLLicensed LenderTMTransmitter of Money
MKMerchant BankTRTrust Company
MIMiscellaneous VC Virtual Currency

Regulatory Unit Codes

CM Capital Markets
CRBCommunity and Regional Banks
CEU Consumer Examination Unit
FWBForeign and Wholesale Banks
LFSLicensed Financial Services
MBDMortgage Banking

SECTION I

April 16, 2018 (FB-FWB)
BANK OF SCOTLAND PLC
The Mound, Edinburgh EH1 1YZ, Scotland

Notice pursuant to Section 605.11 of the Banking Law that Bank of Scotland plc intends to voluntarily liquidate its New York branch located at 1095 Avenue of Americas New York, NY 10036, received.

April 16, 2018 (MI-CRB)
THE FIRST BANK OF GREENWICH
444 East Putnam Avenue, Cos Cob, CT 06807

Application dated April 13, 2018, for permission to open and occupy a branch office at 500 Westchester Avenue, Port Chester, Westchester County, NY 10573, received.

April 20, 2018 (MI-CRB)
FIRST IC BANK
5593 Buford Highway, Doraville, GA 30340

Application dated April 16, 2018, for permission to open and occupy a branch office at 204-08 Northern Boulevard, Bayside, Borough of Queens, City of New York 11361, received.

April 20, 2018 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Application dated April 19, 2018, for permission to open and occupy a branch office at 201 Mission Street, Suite 600, San Francisco, San Francisco County, California 94105, received.

April 20, 2018 (SB-CRB)
APPLE BANK FOR SAVINGS
1395 Northern Boulevard, Manhasset, NY 11030

Application dated April 19, 2018, for permission to change the location of branch office from 124 East 125th Street, Borough of Manhattan, City of New York 10035 to 169 East 125th Street, Borough of Manhattan, City of New York 10035, received. 

April 23, 2018 (LL-LFS)
SQUARE CAPITAL, LLC
1455 Market Street, Suite 600, San Francisco, CA 94103

Application received for a license to engage in business as a licensed lender. 

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.

April 25, 2018 (TR-Crb)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at 71 North Main Street, Dolgeville, Herkimer County, NY 13329, received.

The comment period on this notice will expire May 29, 2018.

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

April 24, 2018 (MB-MBD)
Applicant(s)
Blake Andrew Music
Clint Edward Morgan
Diana Lynn Ringer
Jeffrey Allan Cassetta
Jeffrey Grant Deacon
Mark Kerry Music
Sarah Elizabeth Music
Sharon Sue Baron
As: Ruoff Mortgage Company, Inc.
1700 Magnavox Way, Suite 220, Fort Wayne, IN 46804

Application to engage in the business of a Mortgage Loan Servicer under Article 12-D of the New York State Banking Law received:

April 25, 2018 (MLS-MBD)
Applicant(s)
Goldman Sachs Bank USA
Goldman Sachs Real Estate Funding Corp.
Jane Macfarland Kelsey
Jonathan Edward Babkow
Maheshwar Saireddy
The Goldman Sachs Group, Inc.
As: Goldman Sachs Mortgage Company
200 West Street, 5th Floor, New York, NY 10282-2198

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

April 19, 2018 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
459 Washington Street, Unit 29, Duxbury, MA 02332

April 19, 2018 (MB-MBD)
Full Service Branch
Commonfund Mortgage Corp.
20 East Main Street, Store #10, Clifton Springs, NY 14432

April 24, 2018 (MB-MBD)
Full Service Branch
Home Point Financial Corporation
300 Centerville Road, The Summit West - Suite 204/204A, Warwick, RI 02886

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

April 25, 2018 (MB-MBD)
Applicant(s)
NRM Acquisition LLC
New Residential Investment Corp.
New Residential Mortgage LLC
Nicola Santoro
Peter Martin Smith
Cameron Daniel MacDougall
To acquire interest in:
New Penn Financial, LLC D/B/A Rate30
Shellpoint Mortgage Servicing
4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462

SECTION II

April 18, 2018 (SB-CRB)
FULTON SAVINGS BANK
75 South First Street, Fulton, NY 13069

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Fulton Commons, 1909 State Route #3, Fulton, Town of Granby, Oswego County, New York 13069.

April 20, 2018 (CC-LFS)
BUFFALO CHECK CASHING INC.  
1325 Jefferson Avenue, Buffalo, New York 14208

Effective March 16, 2018, license to engage in business as a casher of checks located 1325 Jefferson Avenue, Buffalo, New York 14208 was surrendered.

April 20, 2018 (MI-CRB)
FIRST IC BANK
5593 Buford Highway, Doraville, GA 30340

Authorization Certificate issued February 21, 2018, granting permission to open and occupy a branch office at 147-50 Northern Boulevard, Flushing, Borough of Queens, City of New York 11354, surrendered for cancellation.

This office was never operational.

April 25, 2018 (BK-CRB)
INTERAUDI BANK
19 East 54th Street, New York, NY 10022

Approval given to change the location of branch office from 200 S. Biscayne Boulevard, Suite 1900, Miami, County of Miami-Dade, Florida 33131 to 78 SW 7 Street, Suite 1100, Miami, County of Miami-Dade, Florida 33130, on or after April 26, 2018. 

April 25, 2018 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, New York 12701

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 830 Main Street, Arlington, Town of Poughkeepsie, Dutchess County, New York 12603, will not result in a significant reduction of banking services in the community to be affected.

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

April 20, 2018 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
2508 Vestal Parkway East, Suite 2, Vestal, NY 13850

April 20, 2018 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
301 North Cattlemen Road, Suite Number 101, Sarasota, FL 34232

April 20, 2018 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
4863 Old Redwood Highway, Ste. D, Santa Rosa, CA 95403

April 20, 2018 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
110 Fort Couch Road, Third Floor, Suite 303, Bethel Park, PA 15102

April 20, 2018 (MB-MBD)
Full Service Branch
Jet Direct Funding Corp.  D/B/As:
Jet Direct Mortgage
Senior Reverse Network
107-01 Rockaway Blvd, 2nd Floor, Front, Ozone Park, NY 11417

April 20, 2018 (MB-MBD)
Full Service Branch
Hudson United Mortgage LLC
268 South Main Street, Suite 100, New City, NY 10956

April 20, 2018 (MB-MBD)
Full Service Branch
Hudson United Mortgage LLC
222 Bloomingdale Road, Suite 114B, White Plains, NY 10605

April 20, 2018 (MB-MBD)
Full Service Branch
Hudson United Mortgage LLC
8 College Avenue, Nanuet, NY 10954

April 20, 2018 (MB-MBD)
Full Service Branch
Hudson United Mortgage LLC
300 Canal Street, Suite 100, Goshen, NY 10924

April 20, 2018 (MB-MBD)
Full Service Branch
American Advisors Group, Inc.
18200 Von Karman Avenue, Suite 910, Irvine, CA 92612

April 20, 2018 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC   D/B/A MLB Mortgage
389 Rt. 46 E, Suite A, Second Floor, Budd Lake, NJ 07828

April 20, 2018 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
2 Speedwell Avenue, 6th Floor, Suite 630, Morristown, NJ 07960

April 20, 2018 (MB-MBD)
Full Service Branch
Residential Mortgage Services, Inc.
14 Breakneck Hill Road, Unit #LL1, Lincoln, RI 02865

April 25, 2018 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
2271 Route 33, Suite 106, Hamilton, NJ 08690

April 25, 2018 (MB-MBD)
Full Service Branch
Homebridge Financial Services, Inc.  D/B/A Menlo Park Funding
1110 South Avenue, 2nd Floor, Suite 72, Staten Island, NY 10314

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

April 20, 2018 (BR-MBD)
Full Service Branch
A.S.A.P. Mortgage Corp.
708 3rd Avenue, 5th Floor, Office #CB149, New York, NY 10017

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

April 24, 2018 (MB-MBD)
United Northern Mortgage Bankers Limited D/B/As:
Senior Security Advisors
Senior Security Home Advantage
50 S. US Highway One, Suite #312, Jupiter, FL 33477
Effective Date: April 17, 2018

April 24, 2018 (MB-MBD)
Hartford Funding, LTD
4050 Skyron Drive, Suite A3, Doylestown, PA 18902
Effective Date: April 19, 2018

April 24, 2018 (MB-MBD)
Homebridge Financial Services, Inc.  D/B/A Menlo Park Funding
12 Century Hill Drive, Latham, NY 12110
Effective Date: April 13, 2018

April 24, 2018 (MB-MBD)
Embrace Home Loans, Inc.
8201 Peters Road, Suite 1000, Office #29, Plantation, FL 33324
Effective Date: April 5, 2018

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

April 24, 2018 (BR-MBD)
Garden City Equities Inc.  D/B/As:
Discount Wholesale Mortgage Company
Garden City Mortgage
170 Tullamore Road, Garden City, NY 11530
Effective Date: April 24, 2018

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

April 25, 2018 (MLS-MBD)
Provident Funding Associates, L.P.
221 North LaSalle Street, Suite 1030, Chicago, IL 60601
Effective Date: March 16, 2018

Mortgage Banker License Address Changes:

April 24, 2018 (MB-MBD)
Kwik Mortgage Corporation D/B/A Homelend Mortgage
From: Southfield Center, One Cragwood Road, Suite 103A, South Plainfield, NJ 07080
To: 959 Route 46 East, Suite 401, Parsippany, NJ 07054

April 25, 2018 (MB-MBD)
Parkside Lending, LLC
From: 1130 Howard Street, San Francisco, CA 94103
To: 180 Redwood Street, Suite 250, San Francisco, CA 94102

April 25, 2018 (MB-MBD)
Pacific Union Financial LLC
From: 8900 Freeport Parkway, Suite 150, Irving, TX 75063
To: 1601 LBJ Freeway, Ste. 500, Farmers Branch, TX 75234

Mortgage Broker Certificate Address Changes:

April 24, 2018 (BR-MBD)
Star Home Inc.
From: 104-12 111th Street, 2nd FL - LS, South Richmond Hill, NY 11419
To: 127-02 135 Avenue, South Ozone Park, NY 11420

April 24, 2018 (BR-MBD)
Nickel City Funding, Inc.
From: 3352 Southwestern Boulevard, Orchard Park, NY 14127
To: 3460 Seneca St, West Seneca, NY 14224

April 24, 2018 (BR-MBD)
Washington Equities Mortgage Corp.
From: 336 Atlantic Avenue, 1st Floor, East Rockaway, NY 11518
To: 2949 Long Beach Road, Suite 1 &11-14, Oceanside, NY 11572

April 24, 2018 (BR-MBD)
Garden City Equities Inc.  D/B/As:
Discount Wholesale Mortgage Company
Garden City Mortgage
From: 1225 Franklin Avenue - Suite 325, Garden City, NY 11530
To: 170 Tullamore Road, Garden City, NY 11530

Mortgage Banker Branch License Address Changes:

April 24, 2018 (MB-MBD)
iServe Residential Lending, LLC
From: 1010 Washington Boulevard, 6th Fl., Suite #602, Stamford, CT 06901
To: 123 High Ridge Road, 1st Floor, Stamford, CT 06905

April 24, 2018 (MB-MBD)
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
From: 200 Garden City Plaza, Suite #210, Garden City, NY 11530
To: 400 Garden City Plaza, Suite 103, Garden City, NY 11530

April 24, 2018 (MB-MBD)
PrimeLending, A PlainsCapital Company
From: 648 Plank Road, Suite #203, Clifton Park, NY 12065
To: 92 Congress Street, Suite 201, Saratoga Springs, NY 12866

April 24, 2018 (MB-MBD)
Mortgage World Bankers, Inc.
From: 32-56 Steinway Street, 1st Floor, Astoria, NY 11103
To: 425 Broad Hollow Road, Suite 215, Melville, NY 11747

April 24, 2018 (MB-MBD)
Luxury Mortgage Corp.
From: 150 East Palmetto Park Road, Suite #450, Boca Raton, FL 33432
To: 3000 North Military Trail, Suite 201, Boca Raton, FL 33431

April 24, 2018 (MB-MBD)
Finance of America Mortgage LLC
From: 256 Main Street, Dickson City, PA 18519
To: 1439 Monroe Avenue, Unit 2, Dunmore, PA 18512

April 24, 2018 (MB-MBD)
Family First Funding LLC
From: 140 Littleton Road, Suite 240, Parsippany, NJ 07054
To: 50 Charles Lindbergh Boulevard, Suite 503, Uniondale, NY 11553

April 25, 2018 (MB-MBD)
Cardinal Financial Company, LP D/B/A Sebonic Financial
From: 375 N Stephanie Street, Building #19, Henderson, NV 89014
To: 901 N. Green Valley Pkwy, Suite 190, Henderson, NV 89074

Mortgage Loan Servicer Branch License Address Changes:

April 24, 2018 (MLS-MBD)
Servis One, Inc.  D/B/A BSI Financial Services
From: 7667 Vickers Street, Suite 650, San Diego, CA 92111
To: 910 Hale Place, Suite 205, Chula Vista, CA 91914

April 24, 2018 (MLS-MBD)
Deval LLC
From: 1255 Corporate Drive, Suite 300, Irving, TX 75038
To: 1231 Greenway Drive, Suite 200, Irving, TX 75038

The following Registered Mortgage Broker has entered into a Settlement Agreement with the Department in lieu of a hearing for a fine or revocation of its mortgage broker registration to settle violations of Section 597 of the New York Banking Law and Part 410.7 of the Superintendent’s Regulations for failure to file the 2015 Volume of Operations Report (VOOR).  The Settlement Agreement terms and conditions include a fine of $3,000.00.

April 20, 2018 (BR-MBD)
YourApproved Funding Corp.
1779 Southern Boulevard, Professional Office One, Bronx, New York 10460

The following licensed Mortgage Banker has entered into a Settlement Agreement with the Department on April 11, 2018, in lieu of a hearing for a fine or revocation of its mortgage banker license to settle violations of Section 420.18(a)(3)(iv) of the Superintendent’s Regulations by failing to adequately monitor and supervise its sponsored MLO’s loan origination activities and Sections 38.2(a) and 38.2(b) of the General Regulations of the Superintendent by failing to include the required legend and street address in its advertisement.  The Settlement Agreement terms and conditions include a fine of $30,000.

April 23, 2018 (MB-MBK)
Contour Mortgage Corporation
990 Stewart Avenue, Suite 660, Garden City, NY 11530

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 ID

NAME

CITY

STATE

April 12, 2018

6371

Trista Jenae Mayer

West Bend

Wisconsin

April 12, 2018

398888

Veronica Duncan

La Verne

California

April 12, 2018

988221

Jay Hoon Choe

Irvine

California

April 12, 2018

1004266

Eric Eugene Bowlus

Brea

California

April 12, 2018

1015237

Ross Tyler Shaffer

Charlotte

North Carolina

April 12, 2018

1170578

Jeffrey Bancroft Garand

Yorba Linda

California

April 12, 2018

1516753

William Edward Walker

Gardena

California

April 24, 2018

91135

James Gary Hennessey

Riverview

Florida

April 24, 2018

161137

Sharon Shkrelja

Romeo

Michigan

April 24, 2018

217528

Benjamin Todd Cohen

Deerfield

Illinois

April 24, 2018

233990

William Hamilton Kumpf

Summit

New Jersey

April 24, 2018

255833

Wajih Nabil Abdallah

Dearborn Heights

Michigan

April 24, 2018

409866

Adam Michael Heiligman

Marlton

New Jersey

April 24, 2018

422656

Glenn Marshall O'Brien

Allentown

New Jersey

April 24, 2018

780824

Michael George Rojas

Fullerton

California

April 24, 2018

852029

Curtis Frankey Randall

Newark

New Jersey

April 24, 2018

870696

Sean Michael Meador

Huntington Beach

California

April 24, 2018

933345

Lewis Henry Dawley

Laveen

Arizona

April 24, 2018

972391

Cyrus Lee Bigham

Phoenix

Arizona

April 24, 2018

1066222

Douglas Jonathan Weir

Mason

Michigan

April 24, 2018

1495266

Kathleen Nancy Rotella

Upper Saddle River

New Jersey

April 24, 2018

1592885

Sean Patrick Bouker

Rocky Point

New York

April 24, 2018

1601120

Jeremey Thomas Bodo

Watervliet

New York

April 24, 2018

1663433

Jeffrey Scott Davidson

Madison Heights

Michigan

April 24, 2018

1664629

Robert Douglas Cook

Detroit

Michigan

April 24, 2018

1690449

Tat Yau Ho

New York

New York

Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law.

DATE OF APPROVAL

NMLS ID

NAME OF APPLICANT

CITY

STATE

SPONSORING ENTITY

January 3, 2018

17215

Richard A. Bisca

Smithtown

New York

Americana Mortgage Group, Inc.

January 3, 2018

41711

Stanley Melvin Hopson

Ambler

Pennsylvania

Freedom Mortgage Corporation

January 3, 2018

62658

Steven Mitchell Cahn

Chester

New York

DML Mortgage Enterprises, Inc.

January 3, 2018

156415

Edward Demonte

Islip

New York

Meadowbrook Financial Mortgage Bankers Corp.

January 3, 2018

264752

Carlos Ray Rosario

Rutherford

New Jersey

CrossCountry Mortgage, Inc.

January 3, 2018

621712

Scott Jeremy Griffin

Allen

Texas

Nationstar Mortgage LLC

January 3, 2018

928829

Richard Kent Martin

Gilbertsville

Pennsylvania

New Penn Financial, LLC

January 3, 2018

984403

Aaron Courtland Boudot

Spring Hill

Tennessee

Carrington Mortgage Services, LLC

January 3, 2018

1055054

John Calvin Kim

Irvine

California

loanDepot.com, LLC

January 3, 2018

1161219

Victor Hugo Acevedo Aguirre

Uniondale

New York

Associated Mortgage Bankers, Inc.

January 3, 2018

1206148

Kuldipsinh Indrasinh Solanki

Trevose

Pennsylvania

Freedom Mortgage Corporation

January 3, 2018

1319491

Matthew Greenleaf

Yonkers

New York

Home America Lending Corp.

January 3, 2018

1443266

Fred Steven Morales

Costa Mesa

California

loanDepot.com, LLC

January 3, 2018

1497433

Anna Marie Lucaj

Detroit

Michigan

Quicken Loans Inc.

January 3, 2018

1510271

Mohamed Mohsen Ismail

Novi

Michigan

Quicken Loans Inc.

January 3, 2018

1536953

Sean Patrick Harold McGrath

South Euclid

Ohio

Quicken Loans Inc.

January 3, 2018

1538041

Vladislav Sheyngauz

West Bloomfield

Michigan

Quicken Loans Inc.

January 3, 2018

1626949

John Anthony Varani

Warren

Michigan

Quicken Loans Inc.

January 3, 2018

1627516

Thomas Clifford Martin

Detroit

Michigan

Quicken Loans Inc.

January 3, 2018

1638759

Melody Marie Khemmoro

West Bloomfield

Michigan

Quicken Loans Inc.

January 3, 2018

1650398

Bilal Farhat

Dearborn

Michigan

Quicken Loans Inc.

January 3, 2018

1653723

Bryan Paul Reed

Glenville

New York

MoneyLine New York, LLC

January 3, 2018

1655866

Janine Catherine James

Pennsauken

New Jersey

PHH Mortgage Corporation

January 3, 2018

1662699

Jeffrey Scott Summy

Scottsdale

Arizona

loanDepot.com, LLC

January 3, 2018

1674038

Julie Elizabeth Schatz-Siemers

New York

New York

Nationwide Mortgage Bankers, Inc.

April 23, 2018

106687

David Peter Smith

Hackettstown

New Jersey

MLB Residential Lending, LLC

April 23, 2018

145336

James Edgar Martin

Pittsburgh

Pennsylvania

Movement Mortgage, LLC

April 23, 2018

247743

Jennifer Ann Beeston

Healdsburg

California

Guaranteed Rate, Inc.

April 23, 2018

1487875

Gregory David MacBride

Pittsburgh

Pennsylvania

Movement Mortgage, LLC

Department of Financial Services

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