Weekly Banking Bulletin

March 20, 2026

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

SECTION I

March 13, 2026
RHINEBECK BANCORP, MHC (HC-CRB)
2 Jefferson Plaza, Poughkeepsie, New York 12601

Application, pursuant to Section 294 of the Banking Law and Parts 111 and 86 of the General Regulations of the Superintendent, for the approval of the Plan of Conversion and Reorganization of Rhinebeck Bancorp, MHC, which plan provides for the conversion and reorganization of Rhinebeck Bancorp, MHC, from the mutual to stock form of organization, received.

The comment period on this application will expire on April 20, 2026.

March 13, 2026 (SF-LFS)
WESTERN FUNDING INCORPORATED
3915 E Patrick Lane, Las Vegas, NV 89120

Notification received for a change of main address from 3915 E Patrick Lane, Las Vegas, NV 89120 to 300 S 4th Street, Suite 300, Las Vegas, Clark County, Nevada 89101.

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.

March 16, 2026 (BK-CRB)
HANOVER COMMUNITY BANK
2131 Jericho Turnpike, Garden City Park, NY 11040

Application dated March 12, 2026, for permission to open and occupy a branch office at 205 Osborn Avenue, Riverhead, Suffolk County, New York 11901, received.

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

March 17, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
30 Hempstead Ave., Ste 139, Rockville Centre, NY 11570

March 17, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
6000 Lombardo Center, Suite 120, Seven Hills, OH 44131

March 17, 2026 (MB-MBD)
Full Service Branch
Land Home Financial Services, Inc.
6919 Vista Drive, West Des Moines, IA 50266

March 18, 2026 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
43344 N. US-27, Unit C, Davenport, FL 33837

March 18, 2026 (MB-MBD)
Full Service Branch
Better Mortgage Corporation
2063 E 3900 S, Salt Lake City, UT 84124

March 18, 2026 (MB-MBD)
Full Service Branch
New American Funding, LLC
8201 N FM 620, Suite 120, Austin, TX 78726

March 18, 2026 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
2 Teleport Dr., Suite 206, Staten Island, NY 10311

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.

SECTION II

February 27, 2026 (TR-CRB)
CHEMUNG CANAL TRUST COMPANY 
One Chemung Canal Plaza, Elmira, NY 14901

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 500 Pearl Street, Suite 740, Buffalo, Erie County, New York 14202.

March 10, 2026 (TR-FWB)

MIZUHO BANK (USA) 
1271 Avenue of the Americas, New York, NY 10020

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 3000 Sand Hill Road, Menlo Park, San Mateo County, California 94025.

March 17, 2026 (TR-CRB)
THE ADIRONDACK TRUST COMPANY
473 Broadway, Saratoga Springs, NY 12866

Approval given to change the location of branch office from 350 Canada Street, Lake George, Warren County, New York 12845 to 77 Canada Street, Lake George, Warren County, New York 12845, on or after March 18, 2026.

March 18, 2026 (TR-CRB)
DIME COMMUNITY BANK 
2200 Montauk Highway, Bridgehampton, NY 11932

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at 157 Forest Avenue, Locust Valley, Nassau County, New York 11560.

March 19, 2026 (TR-FWB)
THE BANK OF NEW YORK MELLON 
240 Greenwich Street, New York, NY 10286

Pursuant to the provisions of Section 105-b of the Banking Law, notice to the Superintendent of Financial Services of intention to establish and maintain a trust office at 607 14th Street NW, Washington, DC 20004, received.  (This trust office will replace the office at 1250 H Street NW, Washington, DC 20005.)

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

March 17, 2026 (MB-MBD)
Full Service Branch
Everett Financial, Inc.
401 Pratt Avenue NW, Huntsville, AL 35801

March 17, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
453 Columbia Road, Hanover, MA 02339

March 17, 2026 (MB-MBD)
Full Service Branch
NewRez LLC
3001 Aloma Ave., Suite 226, Winter Park, FL 32792

March 17, 2026 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
5055 W Park Blvd, Ste 300, Plano, TX 75093

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

March 17, 2026 (BR-MBD)
Full Service Branch
Atlantic Home Capital, Corp.
1293 Professional Drive, Suite 201, Myrtle Beach, SC 29577

License to engage in business as a Mortgage Banker surrendered, corrected. Effective date from December 23, 2025 to December 31, 2025:
 

March 6, 2026 (MB-MBD)
SEFCU Services, LLC D/B/A Homeowners Advantage
SEFCU Mortgage Services
4 Winners Circle, Suite 202, Albany, NY 12205
 

License to engage in business as a Mortgage Banker Branch surrendered, corrected. Effective date from December 23, 2025 to December 31, 2025:

March 6, 2026 (MB-MBD)
SEFCU Services, LLC
200 Salina Meadows Parkway, Suite 120, North Syracuse, NY 13212

March 6, 2026 (MB-MBD)
SEFCU Services, LLC
700 Patroon Creek Blvd, Suite 301, Albany, NY 12206
 

License to engage in business as a Mortgage Banker Branch surrendered:

March 12, 2026 (MB-MBD)
Contour Mortgage Corporation
300 Broadhollow Road, Suite 105W, Melville, NY 11747
Effective Date: March 5, 2026

March 18, 2026 (MB-MBD)
Rocket Mortgage, LLC
11511 Luna Road, Suite 300, Farmers Branch, TX 75234
Effective Date: March 13, 2026

Mortgage Banker License Address Changes:
 

March 17, 2026 (MB-MBD)
Classic New York Mortgage In Lieu of True Name Classic Mortgage, L.L.C.
From: 25 East Spring Valley Avenue, Suite 205, Maywood, NJ 07607
To: 25 East Spring Valley Avenue, Suite 290, Maywood, NJ 07607

Mortgage Broker Certificate Address Changes:
 

March 18, 2026 (BR-MBD)
Dead Pledge Brokers, Inc.
From: 2556 Motor Parkway, Ronkonkoma, NY 11779
To: 2150 Joshuas Path, Suite 50, Hauppauge, NY 11788

Mortgage Banker Branch License Address Changes:
 

March 17, 2026 (MB-MBD)
United Mortgage Corp.
From: 2900 SW 28 Terrace, Suite 501, Coconut Grove, FL 33133
To: 1801 SW 3rd Ave, Suite 401, Miami, FL 33129

March 17, 2026 (MB-MBD)
CMG Mortgage, Inc.
From: 304 Federal Rd, Suite 106, Brookfield, CT 06804
To: 2 Old New Milford Rd, Ste 3B, Brookfield, CT 06804

Mortgage Broker Branch Certificate Address Changes:
 

March 17, 2026 (BR-MBD)
Go Rascal Inc.
From: 210 Old Country Road, Ste 101, Mineola, NY 11501
To: 501 West Main Street, Suite A (1), Patchogue, NY 11772

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

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: