Weekly Banking Bulletin

July 31, 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

July 17, 2026 (BP- LFS)
DEBT REDUCTION SERVICES, INC. 
6213 N. Cloverdale Road, Suite 130, Boise, Idaho 83713 

An application was received in connection with the addition of an assumed name as follows:

From: Debt Reduction Services, Inc.   
To: Debt Reduction Services, Inc. D/B/A: MoneyFit by DRS 

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 licensee.

July 21, 2026(SL-CEU)
MIA SHARE INC. 
10897 South River Front Parkway Suite 500 South Jordan, Utah 84095

Application for a license to engage in business as a student loan servicer, received.

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.

July 27, 2026 (BP-LFS)
TAKE CHARGE AMERICA, INC. 
20430 North 19th Avenue, Suite B155, Phoenix, Arizona 85027

An application was received for a license to engage in business as a budget planner at the following branch location:

2 S. University Drive, Suite 326, Plantation, Florida 33324

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 licensee.

July 29, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at 250 Park Avenue, Borough of Manhattan, City of New York 10177, received.

The comment period on this notice will expire August 31, 2026.

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

July 27, 2026 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
11921 Freedom Drive, Suite 550 Office 559, Reston, VA 20190

July 27, 2026 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC
18 Railroad Ave., Suite 102A, Rochelle Park, NJ 07662

July 27, 2026 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC
7 Southside Drive, Suite 201, Clifton Park, NY 12065

July 27, 2026 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
36 S Washington St, Suite 200, Hinsdale, IL 60521

July 27, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
16414 San Pedro Ave., Suite 525, San Antonio, TX 78232

July 28, 2026 (MB-MBD)
Full Service Branch
Carrington Mortgage Services, LLC
14647 S. 50th Street, Suite A-150, Phoenix, AZ 85044

Mortgage Banker License Name Change Received:

July 24, 2026 (MB-MBD)
From: Arc Home LLC
To: Arc Home LLC D/B/A HomeEQ

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

June 5, 2026 (SFC-LFS)
FF CREDIT CORP.         
590 Sunrise Highway, 1st Floor, Baldwin, Nassau County, NY 11510

License to engage in business as a sales finance company was surrendered.

July 27, 2026 (LP-RID)
CIRCLE INTERNET TRUST COMPANY, LLC
One World Trade Center, 285 Fulton St., 87th Floor, New York, NY 10007

Approval given pursuant to the New York Banking Law to conduct business as a limited purpose trust company.

July 30, 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 43 South Main Street, Perry, Wyoming County, New York 14530, surrendered for cancellation.

Office discontinued as of July 23, 2026.

July 30, 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 9214 Center Street, Manassas, VA 20110, surrendered for cancellation.

Office discontinued as of July 30, 2026.

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

July 21, 2026 (BR-MBD)
Real Advantage Professionals LLC
61-43 186th Street, Suite 205, Fresh Meadows, NY  11365
Effective Date: June 16, 2026

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

July 29, 2026 (MB-MBD)
Full Service Branch
American Financial Network, Inc.
105 Lake Hil Rd., Ste 4, Burnt Hills, NY 12027

July 29, 2026 (MB-MBD)
Full Service Branch
Patriot One Mortgage Bankers, LLC
1160 Kane Concourse, 301-2, Bay Harbor Islands, FL 33154

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

July 29, 2026 (BR-MBD)
Full Service Branch
Canyon Mortgage Corp.
65 North Street, Ground Floor, Middletown, NY 10940

July 29, 2026 (BR-MBD)
Full Service Branch
Petra Cephas Inc
808 NJ-15 Building 2, Suite 2, Lake Hopatcong, NJ 07849

Certificate to engage in business as a Mortgage Broker surrendered:

July 23, 2026 (BR-MBD)
LeadPoint, Inc. D/B/A Secure Rights
11801 Mississippi Ave., Suite 100, Los Angles, CA 90025
Effective Date: June 29, 2026

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

July 24, 2026 (MB-MBD)
United Mortgage Corp.
118-35 Queens Blvd, Suite 400, 448, Forest Hills, NY 11375
Effective Date: July 10, 2026

July 29, 2026 (MB-MBD)
Cliffco, Inc.
3801 Avalon Park East Boulevard, 2nd Floor, Office 229, Orlando, FL 32828
Effective Date: July 20, 2026

July 29, 2026 (MB-MBD)
Movement Mortgage, LLC
7115 E. Genesee Street, Suite 5, Fayetteville, NY 13066
Effective Date: July 10, 2026

July 29, 2026 (MB-MBD)
Movement Mortgage, LLC
69 Genesee Street, Suite 1, Syracuse, NY 13031
Effective Date: July 10, 2026

July 29, 2026 (MB-MBD)
Nationwide Mortgage Bankers, Inc.
11121 Carmel Commons Boulevard, Suite 340, Charlotte, NC 28226
Effective Date: July 16, 2026

Mortgage Broker Certificate Address Changes:

July 28, 2026 (BR-MBD)
ICU Solutions
From: 4000 North Federal Highway, Suite 212, Boca Raton, FL 33431
To: 323 Sunny Isles Boulevard, 7th Floor Office 720, Sunny Isles Beach, FL 33160

Mortgage Banker Branch License Address Changes:

July 28, 2026 (MB-MBD)
Funding Resources Mortgage Corporation
From: 426 Clifton Avenue, Lakewood, NJ 08701
To: 1001 Route 70, Unit 1121, Toms River, NJ 08755

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