Weekly Banking Bulletin

April 24, 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

April 14, 2026 (MI-CRB)
ARROW FINANCIAL CORPORATION 
250 Glen Street, Glens Falls, NY 12801

Application, pursuant to Section 143-b of the Banking Law, to acquire control of Adirondack Bank, Utica, New York, received.

The comment period on this application will expire on May 25, 2026.

April 20, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at 43 South Main Street, Perry, Wyoming County, New York 14530, received.

The comment period on this notice will expire May 26, 2026.

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

April 16, 2026 (BR-MBD)
Applicant(s)
Digital Risk, LLC
Jeffrey Creel Taylor
Kathryn Airth Terry
Traci Lyn Cox
As: Digital Risk Mortgage Services, LLC
2301 Maitland Center Parkway, Suite 165, Maitland, FL 32751

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

April 16, 2026 (MB-MBD)
Full Service Branch
Cliffco, Inc.
300 SE 2nd Street, Suite 600, Office 50, Fort Lauderdale, FL 33301-1950

April 17, 2026 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC
2 Enterprise Drive, Suite 426, Shelton, CT 06484

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

April 20, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY 
One M&T Plaza, Buffalo, NY 14203

Authorization granting permission to open and occupy a branch office at the following 4 locations, surrendered for cancellation:

2331 Dixwell Avenue, Hamden, New Haven County, Connecticut 06514;
200 East Main Street, Stratford, Fairfield County, Connecticut 06614;
498 Bushy Hill Road, Simsbury, Hartford County, Connecticut 06070; and
50 Windsorville Road, Vernon, Tolland County, Connecticut 06066.

Offices discontinued as of April 16, 2026.

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

April 21, 2026 (MB-MBD)
Full Service Branch
New American Funding, LLC
331 Newman Springs Rd., Bldg 3, Ste 320, Ofc #249, Red Bank, NJ 07701

April 21, 2026 (MB-MBD)
Full Service Branch
New American Funding, LLC
3011 Sutton Gate Drive, Ste. 250, Suwanee, GA 30024

April 21, 2026 (MB-MBD)
Full Service Branch
New American Funding, LLC
9150 South Hills Boulevard, Suite 260, Broadview Heights, OH 44147

April 21, 2026 (MB-MBD)
Full Service Branch
Better Mortgage Corporation
500 Stephenson Highway, 2nd Floor, Troy, MI 48084

April 21, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
5360 Genesee St., Suite 203, Office 124, Bowmansville, NY 14026

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

April 21, 2026 (BR-MBD)
Full Service Branch
Go Rascal Inc.
18 Washington Ave., Suite B, 2nd Floor, Endicott, NY 13760

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

April 22, 2026 (MS-MBD)
Valon Mortgage, Inc.
5011 Gate Pkwy, Bldg. 200, Suite 150, Jacksonville, FL 32256
Effective Date: April 20, 2026

Mortgage Banker Branch License Address Changes:

April 21, 2026 (MB-MBD)
Planet Home Lending, LLC
From: 120 Erie Canal Drive, Suite 240, Rochester, NY 14626
To: 1501 Pittsford-Victor Rd., Suite 201, Victor, NY 14564

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: