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New York State Department of Financial Services

Weekly Banking Bulletin

September 14, 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

August 24, 2018 (TM-LFS)
CUSTOM HOUSE USA, LLC D/B/A WESTERN UNION BUSINESS SOLUTIONS
12500 East Belford Avenue, Colorado 80112

Notification was received for the change of headquarter location from 12500 East Belford Avenue, Englewood, Colorado 80112 to 7001 E. Belleview Avenue, Mailstop: DTC 3, Denver, Colorado 80237.

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.

August 24, 2018 (TM-LFS)
WESTERN UNION FINANCIAL SERVICES, INC. U/A/N VIGO REMITTANCE U/A/N ORLANDI VALUTA
12500 East Belford Avenue, Suite M12K3, Englewood, Colorado 80112

Notification was received for the change of headquarter location from 12500 East Belford Avenue, Suite M12K3, Englewood, Colorado 80112 to 7001 E. Belleview Avenue, Mailstop: DTC 3, Denver, Colorado 80237.

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 7, 2018 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to continue business as Private Bankers, received.

(These Private Bankers are already under the supervision of the Department.  New Certificate submitted by reason of the death of Terrence M. Farley, a Class 2 Limited Partner.)

September 7, 2018 (SF-LFS)
SHERMAN, CLAY & CO., INC D/B/A ALLEGRO CREDIT
1111 Bayhill Drive, Suite 450, San Bruno, San Mateo, California, 94066  

Notification received for a change of main address from 1111 Bayhill Drive, Suite 450, San Bruno, California, 94066 to 1350 Old Bayshore Highway, Suite 200, Burlingame, California, 94010. 

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 11, 2018
RHINEBECK BANCORP, MHC (HC-CRB)
2 Jefferson Plaza, Poughkeepsie, Dutchess County, New York 12601
RHINEBECK BANK (SB-CRB)
2 Jefferson Plaza, Poughkeepsie, Dutchess County, New York 12601

Application, pursuant to Section 12-a of the Banking Law, for Rhinebeck Bank and Rhinebeck Bancorp, MHC to reorganize into a two-tier mutual holding company structure, received.

Rhinebeck Bank would be a wholly-owned subsidiary of Rhinebeck Bancorp, Inc., a mid-tier holding company, which in turn would be a subsidiary of Rhinebeck Bancorp, MHC. 

The comment period on this application will expire on October 15, 2018.

September 13, 2018 (BK-CRB)
GENERATIONS COMMERCIAL BANK
19 Cayuga Street, Seneca Falls, New York 13148

Organization Certificate received.

INCORPORATORS

Bradford M. Jones, Seneca Falls, New York
Menzo D. Case, Seneca Falls, New York
Jose Acevedo, Geneva, New York
Gerald Macaluso, Seneca Falls, New York
Frank J. Nicchi, Victor, New York
August P. Sinicropi, Seneca Falls, New York
Vincent P. Sinicropi, Seneca falls, New York
David H. Swenson, Seneca Falls, New York
Cynthia Aikman, Auburn, New York

Generations Commercial Bank is being organized as a wholly owned subsidiary of Generations Bank for the purpose of accepting municipal deposits.

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

September 12, 2018(MB-MBD)
Applicant(s)
Gregory Alan Topal
Neil Robert Topal
Timothy George Parmiter
As: Reliant Home Funding, Inc.
125 Baylis Road, Suite 105, Melville, NY 11747

September 12, 2018 (MB-MBD)
Applicant(s)
George Edward Herghelegiu
John Patrick Kuskin
Joseph Quinones
Matthew David VanFossen
Richard Anthony Conforti
As: Absolute Home Mortgage Corporation
330 Passaic Avenue, Suite 204, Fairfield, NJ 07004

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

September 11, 2018 (MB-MBD)
Full Service Branch
Nationwide Equities Corporation
1129 Northern Blvd., Suite 404, Office 421, Manhasset, NY 11030

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

September 7, 2018 (MB-MBD)
Applicant(s)
Pearl Business Trust
Richard Harris Copans
Thomas Andrew Macha
To acquire interest in:
SIRVA Mortgage, Inc.
6200 Oak Tree Boulevard, Suite 300, Independence, OH 44131

September 10, 2018 (MB-MBD)
Applicant(s)
Rosemarie Freihart-Young
The Young Family Irrevocable Trust
To acquire interest in:
AFMC Mortgage in lieu of American Federal Mortgage Corporation
360 Route 24, Chester, NJ 07930

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 ID

NAME OF APPLICANT

CITY

STATE

April 23, 2018

1615528

Jenine Ann Spina

Lindenhurst

New York

May 21, 2018

6852

Michael Anthony Verdicchio

River Edge

New Jersey

June 5, 2018

576095

Saiid Asher Rastegar

Stamford

Connecticut

June 11, 2018

130252

Gerron Mathew Dover

Gilbert

Arizona

June 13, 2018

1624142

Paul Everett Knag, Jr.

Red Hook

New York

June 28, 2018

984972

Brittani Thao Tran

Anaheim

California

July 3, 2018

1748593

Sean Harrison Ford

Wantagh

New York

July 6, 2018

694900

Monique Emma Sanchez

Orange

California

July 31, 2018

180645

Louis Julmis

Plantation

Florida

August 7, 2018

617086

Jason R. Culbertson

Lewis Center

Ohio

August 7, 2018

1739349

Michelle Abajian

Melville

New York

August 20, 2018

1773392

Melissa Ditizii

Bardonia

New York

August 22, 2018

1761998

Evan Lloyd Rees

Oneonta

New York

August 23, 2018

56605

Roderick Kelly Winston

Albany

New York

August 28, 2018

812324

Jessica Wojciechowicz

Jamestown

New York

August 28, 2018

1430074

Anthony Paul Mansoor

West Bloomfield

Michigan

August 28, 2018

1719725

Brett Anthony Kopa

Avon Lake

Ohio

August 28, 2018

1742258

Alacia Taghrid Eldajjani-Ankawi

Westland

Michigan

August 28, 2018

1762584

Ali Alshara

Dearborn

Michigan

August 28, 2018

1762636

Kathryn Elizabeth Buckbee

Clarkston

Michigan

August 28, 2018

1762639

Andrew Trevor Kamin

Taylor

Michigan

August 28, 2018

1762663

Jonathan Aaron-David Ingram

Mount Clemens

Michigan

August 28, 2018

1762823

Lucyna Frances Sarnacki

Taylor

Michigan

August 28, 2018

1763014

Carl Kenneth Braggs

Detroit

Michigan

August 29, 2018

913711

Carolyn Anne Hamilton

Westland

Michigan

August 29, 2018

1375941

Trey Richard Sweeney

Westland

Michigan

August 29, 2018

1586340

Erinn Emily O'Neill McVay

Randolph

New York

August 29, 2018

1762564

Eyad Zuheir Fakhoury

Troy

Michigan

August 29, 2018

1762568

Christine Michelle Hardy

Detroit

Michigan

August 29, 2018

1762571

David Christopher Danforth

Lathrup Village

Michigan

August 29, 2018

1762573

Nicole Lauren Taggart

Grosse Pointe Park

Michigan

August 29, 2018

1762596

Devin Timothy Watkins

Detroit

Michigan

August 29, 2018

1762643

Jeremy Joseph Schram

White Lake

Michigan

August 29, 2018

1762648

Erica Simone Johnson

Shelby Township

Michigan

August 29, 2018

1762762

Bryttany Zeraisha-Lyann Spears

Novi

Michigan

August 29, 2018

1763019

Matias Maldonado

Belleville

Michigan

August 29, 2018

1763059

Colleen Elizabeth O'Connor

Southfield

Michigan

August 29, 2018

1763067

Connor Nevada Mehl

Waterford

Michigan

August 29, 2018

1763078

Dalton David Reiche

Sylvan Lake

Michigan

August 29, 2018

1763155

Brianna Marie Battersby

Woodhaven

Michigan

August 29, 2018

1763156

Sammie Nicholas Borden-Sanford

Oak Park

Michigan

August 29, 2018

1763191

Leslie Lucille Seppala

Farmington Hills

Michigan

August 29, 2018

1763559

Sarah Victoria Taylor

Detroit

Michigan

August 29, 2018

1763792

Rozina Haidar Roberts

Novi

Michigan

August 29, 2018

1765635

Kathryn Bryant Buse-Oberto

Columbia

Missouri

August 29, 2018

1771274

Katie Marie Nickerson

Columbia

Missouri

August 30, 2018

1077825

Lauren Michelle Wright

Doylestown

Pennsylvania

August 30, 2018

1742910

Christopher Michael Dufresne

Commerce

Michigan

August 30, 2018

1742964

Eddie Edmond Diri

Melvindale

Michigan

August 30, 2018

1763157

Emma Yamilet Arana-Heisler

Southfield

Michigan

August 30, 2018

1763179

Kimberly Latrece West

Clinton Township

Michigan

August 30, 2018

1766056

Marit Svea Johnson

Columbia

Missouri

August 31, 2018

1085302

Joanne Marie Eckardt

Sacramento

California

August 31, 2018

1382438

Christine Edith Buford

Elk Grove

California

August 31, 2018

1772451

Nima John Vahdat

Aliso Viejo

California

September 4, 2018

1420836

Starla Danielle Wright

McKinney

Texas

September 5, 2018

1742996

Joseph Preston Bach

Royal Oak

Michigan

September 6, 2018

1729013

Al Raheem Mercer-Reid

Philadelphia

Pennsylvania

 

SECTION ll

September 6, 2018 (TM-LFS)
AIRBNB PAYMENTS, INC.
999 Brannan Street, San Francisco, California 94103

Notification of change of headquarter location from 999 Brannan Street, San Francisco, California 94103 to 650 7th Street, San Francisco, California 94103 was approved effective September 6, 2018.

September 10, 2018 (BK-CRB)
CATTARAUGUS COUNTY BANK
116-120 Main Street, Little Valley, NY 14755

Authorization granting permission to open and occupy a branch office at 7 South Main Street, Franklinville, Cattaraugus County, New York 14737, surrendered for cancellation.

Office discontinued as of August 31, 2018.

September 12, 2018 (TR-Crb)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of the public accommodation office located at 150 Washington Avenue, Batavia, Genesee County, New York 14020 will not result in a significant reduction of banking services in the community to be affected.

October 1, 2018 (FB-FWB)
NORDEA BANK ABP
Satamaradankatu 5, FI-00020 Nordea, Helsinki, Finland

License issued to establish and maintain a branch at 1211 Avenue of the Americas, Borough of Manhattan, City of New York 10036.

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

September 11, 2018 (BR-MBD)
City Island Associates, Inc.
4242 Merrick Road, Massapequa, NY 11758

September 11, 2018 (BR-MBD)
Julie Kim Corp
214-11 Northern Blvd Suite 202 #A, Bayside, NY 11361

September 11, 2018 (BR-MBD)
Your Premier Processor, LLC in lieu of Premier Processing, LLC
30233 Southfield Road, Suite 190, Southfield, MI 48076

September 11, 2018 (BR-MBD)
SKYLINE GLOBAL HOME LLC in lieu of Skyline Capital LLC
209 Royal Ave, Wyncote, PA 19095

September 11, 2018 (BR-MBD)
Grayton Mortgage, Inc.
37 Greenpoint Ave Suite 303, Brooklyn, NY 11222

September 11, 2018 (BR-MBD)
Arcus Lending Inc D/B/A Arcus Mortgage
4320 Stevens Creek Blvd, Suite 275, San Jose, CA 95129

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

September 6, 2018 (MB-MBD)
Full Service Branch
Residential Mortgage Services, Inc.
100 Jefferson Boulevard, Suite 205, Warwick, RI 02888

September 6, 2018 (MB-MBD)
Full Service Branch
Home Point Financial Corporation
11511 Luna Road, 2nd and 3rd Floors, Farmers Branch, TX 75234

September 6, 2018 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
49 W Merrick Road, Suite 110, Freeport, NY 11520

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

September 10, 2018 (BR-MBD)
Hawkview I, Inc.
84 Smith Avenue, Ground Floor Rear, Mt Kisco, NY 10549
Effective Date: June 18, 2018

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

September 7, 2018 (MB-MBD)
PHH Mortgage Corporation   D/B/As:
Instamortgage.com
Mortgagesave.com
PHH Mortgage Services
8800 Baymeadows Way West, Suite 300, Jacksonville, FL 32256
Effective Date: August 22, 2018

September 7, 2018 (MB-MBD)
American Neighborhood Mortgage Acceptance Company, LLC D/B/A:
AnnieMac Home Mortgage
10 Bay Street, Westport, CT 06880
Effective Date: July 31, 2018

September 7, 2018 (MB-MBD)
American Neighborhood Mortgage Acceptance Company, LLC D/B/A:
AnnieMac Home Mortgage
140 Grand Street, 3rd Floor, White Plains, NY 10601
Effective Date: July 31, 2018

September 10, 2018 (MB-MBD)
Norwich Commercial Group, Inc.  D/B/A Norcom Mortgage
1221 New Haven Road, Suite 1, Naugatuck, CT 06770
Effective Date: September 4, 2018

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

September 12, 2018 (MS-MBD)
Reverse Mortgage Solutions, Inc.
200 Regency Executive Park, Suite 150, Charlotte, NC  28217
Effective Date: September 7, 2018

Application to resume active status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

September 11, 2018 (BR-MBD)
Talk Town Funding Ltd. D/B/A Prime Interest Mortgage Company
2054 Ralph Avenue, Brooklyn, NY  11234
Effective Date: September 11, 2018

Mortgage Banker Branch License Address Changes:

September 6, 2018 (MB-MBD)
Freedom Mortgage Corporation
From: 1191 Forest Avenue, Staten Island, NY 10310
To: 1150 South Avenue, Suite 304-B, Staten Island, NY 10314

September 6, 2018 (MB-MBD)
Family First Funding LLC
From: 77 North Centre Avenue, Suite #310, Rockville Centre, NY 11570
To: 850 Third Avenue, Suite 9B, New York, NY 10022

September 6, 2018 (MB-MBD)
CMG Mortgage, Inc.
From: 616 Water Street, Suite 319, Baltimore, MD 21202
To: 616 Water Street, Suite 321, Baltimore, MD 21202

Mortgage Loan Servicer Branch License Address Changes:

September 6, 2018 (MS-MBD)
Fay Servicing, LLC
From: 4100 Midway Rd. Suite 1025, Carrollton, TX 75007
To: 3000 Kellway Drive, Suite 150, Carrollton, TX 75006

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 OF APPLICANT

CITY

STATE

June 28, 2018

433506

Daniel John Pisani

Hicksville

New York

August 24, 2018

1708601

Johnathan Edward-Tyler Gomer

Garden City

Michigan

September 4, 2018

1394902

Katrine Ann Mhedhbi

Noblesville

Indiana

September 6, 2018

331607

David Meir Hassan

Fort Lauderdale

Florida

September 6, 2018

1371364

Jason James Craig

Los Alamitos

California

September 7, 2018

129652

Mike Hoa Nguyen

Irvine

California

September 7, 2018

315211

Elden Shane Denny

Saratoga Springs

Utah

September 7, 2018

460215

Scott Cestari

Clayton

North Carolina

September 7, 2018

839545

Ryan Dhookaran

Riverview

Florida

September 7, 2018

1040115

Todd Alan Turpin

Evansville

Indiana

September 7, 2018

1109342

Jeniffer Saavedra

Elizabeth

New Jersey

September 7, 2018

1149238

Keith Eric Lammons

St. Augustine

Florida

September 7, 2018

1384838

Matthew Thomas Newman

Voorhees

New Jersey

September 7, 2018

1409240

Shaun Douglas Sturdavant

Brownstown Township

Michigan

September 7, 2018

1409412

Joakim Yannick Head

Detroit

Michigan

September 7, 2018

1417822

Robert Andrew Melton

Riva

Maryland

September 7, 2018

1456286

Milad Haeri

Irvine

California

September 7, 2018

1514401

Ammar Tareen

Fullerton

California

September 7, 2018

1551943

Bonard Dany Daman

Macomb

Michigan

September 7, 2018

1602371

Stephen Lee Hunter

Woodstock

Georgia

September 10, 2018

94840

Philip Karl Moore

Monroe

North Carolina

September 10, 2018

201003

Jon Lindsay Hale

Indianapolis

Indiana

September 10, 2018

838458

Tony Jace Taranto

Catonsville

Maryland

 

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 ID

NAME OF APPLICANT

CITY

STATE

SPONSORING ENTITY

September 7, 2018

59001

Emanuele Demonte

Islip

New York

United Mortgage Corp.

September 7, 2018

67362

Peter Michael Crocker

Holtsville

New York

Fairway Independent Mortgage Corporation

September 7, 2018

203314

Timothy Shawn Frederick

Highland Village

Texas

Home Point Financial Corporation

September 7, 2018

413834

Rachel MacKinnon Hobaugh

Andover

New Jersey

Homebridge Financial Services, Inc.

September 7, 2018

859469

Louis J. Prettitore

New Hyde Park

New York

CrossCountry Mortgage, Inc.

September 7, 2018

870696

Sean Michael Meador

Huntington Beach

California

Network Capital Funding Corporation

September 7, 2018

971237

Clayton Edward Smith

Chandler

Arizona

The Money Source Inc.

September 7, 2018

1067159

Roy Ben-Zvi

Great Neck

New York

United Mortgage Corp.

September 7, 2018

1130701

William Greg Donofrio

Whitestone

New York

Fairway Independent Mortgage Corporation

September 7, 2018

1202949

Qassim M. Darawsheh

Stamford

Connecticut

Guidance Residential, LLC

September 7, 2018

1304024

Matthew Albert Phelps

Jacksonville

Florida

Carrington Mortgage Services, LLC

September 7, 2018

1535012

Ricky Stuart Zuckerman

Timonium

Maryland

Carrington Mortgage Services, LLC

September 7, 2018

1579019

Nicholas Raymond Sebastian

Rumford

Rhode Island

Shamrock Financial Corporation

September 7, 2018

1623358

Lindsey Burgess

Macedon

New York

Movement Mortgage, LLC

September 7, 2018

1624785

Pawel Brajczewski

Massapequa

New York

Interstate Home Loan Center, Inc.

September 7, 2018

1640216

Anthony Fassino

Westbury

New York

Gold Coast Funding Inc

September 7, 2018

1648298

Kathleen Frances Kinney

Malibu

California

Parkside Lending, LLC

September 7, 2018

1699547

Melvin Louis Thomas

Wenonah

New Jersey

PHH Mortgage Corporation

September 7, 2018

1723161

Krishna Persaud

Floral Park

New York

Panam Mortgage & Financial Services, Inc.

September 7, 2018

1731737

Maria Cristina Galvan

New Rochelle

New York

Cityscape Mortgage Corp.

September 7, 2018

1750135

Isaac Kleinman

Monroe

New York

Astar Home Capital Inc

Department of Financial Services

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