Weekly Banking Bulletin

September 20, 2019

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 [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

BK Bank MB Mortgage Banker
BP Budget Planner BR Mortgage Broker
CC Check Casher MS Mortgage Servicer
CU Credit Union PF Premium Finance Agency
FA Foreign Agency PB Private Banker
FB Foreign Branch SD Safe Deposit Company
FR Foreign Representative Office SF Sales Finance Agency
HC Holding Company SL Savings and Loan Association
IC Investment Company SB Savings Bank
LL Licensed Lender TM Transmitter of Money
MK Merchant Bank TR Trust Company
MI Miscellaneous VC Virtual Currency

Regulatory Unit Codes

CM Capital Markets
CRB Community and Regional Banks
CEU Consumer Examination Unit
FWB Foreign and Wholesale Banks
LFS Licensed Financial Services
MBD Mortgage Banking

SECTION I

September 16, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish an electronic facility (automated teller machine) at 645-A South Philadelphia Boulevard, Town of Aberdeen, Harford County, Maryland 21001, received.


September 16, 2019 (MI-CRB)
NOAH BANK
7301 Old York Road, Elkins Park, PA 19027

Application dated September 13, 2019, for permission to open and occupy a branch office at 201-08 Northern Boulevard, Bayside, Borough of Queens, City of New York 11361, received.


September 18, 2019 (TM-LFS)
COINBASE, INC.
1 Front Street, Suite 2800, San Francisco, CA 94111

Notification received for the change of location from 1 Front Street, Suite 2800, San Francisco, California 94111 to 430 California Street, San Francisco, CA 94104-1301.

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 18, 2019 (TM-LFS)
AIRBNB PAYMENTS, INC.  
650 7th Street, San Francisco, California 94103

Notification received for the change of location from 650 7th Street, San Francisco, California, 94103 to 888 Brannan Street, 4th Floor, San Francisco, California 94103.

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 19, 2019
STANDARD CUSTODY & TRUST COMPANY, LLC
135 East 57th Street, 21st Floor, New York, NY 10022

Articles of Organization received.

ORGANIZERS:

Antoinette O’Gorman San Francisco, California
Arthur Britto Jr. San Francisco, California
John McDonald San Francisco, California
James Malgieri Marco Island, Florida
Timothy F. Keaney Marco Island, Florida

September 20, 2019 (PF-LFS)
MHD EMPIRE SERVICE CORP.
231 Salina Meadows, PO Box 4743
Syracuse, NY 13221-4743

An application was received for the relocation of the main office, as follows:

From:  231 Salina Meadows, PO Box 4743, Syracuse, NY 13221-4743
To:  300 South State Street., Suite 1000, Syracuse, NY 13202

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.


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

September 17, 2019 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
6650 W. Snowville Road, Suites A - E, Brecksville, OH 44141

September 17, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
6 W Marlborough Street, First Floor, Newport, RI 02840


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 NO. NAME OF APPLICANT CITY STATE
July 29, 2019 1854891 Angelo Louie Rosario Staten Island New York
July 31, 2019 1029164 Raynold Kwasi Owusu Bronx New York
August 6, 2019 1846779 Igor Sapezhansky Lakewood New Jersey
August 13, 2019 98451 Ryan Michael Phillips Gansevoort New York
August 13, 2019 485960 Jacqueline Delpriore Smithtown New York
August 23, 2019 1809779 Aydin Muzaini Naranja Florida
August 26, 2019 1799573 Samuel Kohn Monroe New York
August 28, 2019 1452961 Michael Hsieh Westminster California
August 29, 2019 1709145 Marcus Leon Frisby Columbia Missouri
August 29, 2019 1879602 Shaun Matthew Ward Columbia Missouri
September 3, 2019 202901 Moti Seoparson Floral Park New York
September 3, 2019 971709 Hani Ali Chicago Illinois
September 3, 2019 1866641 Nicholas Thaddeus Krolikowski Detroit Michigan
September 3, 2019 1866744 Joshua Patrick Winowiecki Fraser Michigan
September 3, 2019 1866782 Muhammad Abbas Abdallah Yassine Dearborn Heights Michigan
September 3, 2019 1866814 Travis Jeffrey Keen Livonia Michigan
September 3, 2019 1866817 John Henry Kerby Grosse Pointe Woods Michigan
September 3, 2019 1866968 Elliot William Twardowski Hazel Park Michigan
September 3, 2019 1867327 Mia Lanyece Pearson Southfield Michigan
September 3, 2019 1877360 Nancy Susan Mavis Washington Township Michigan
September 3, 2019 1877409 Vito Thamir Mosa Shelby Township Michigan
September 3, 2019 1877427 William Joseph Munger Holly Michigan
September 3, 2019 1877473 Youssef Hassan Muslimani Farmington Hills Michigan
September 3, 2019 1877565 Joseph David Marleau Warren Michigan
September 3, 2019 1877674 Christian Alexander Sanger New Haven Michigan
September 3, 2019 1877770 Nathan Aaron Nelson Farmington Hills Michigan
September 3, 2019 1877778 Michael Daniel O'Connell Clarkston Michigan
September 3, 2019 1877845 James Samuel Roche Saline Michigan
September 4, 2019 1792937 Pincus Markowitz Brooklyn New York
September 4, 2019 1855747 Darius Peek Highland Park Michigan
September 4, 2019 1865266 Elizabeth Marie Rudolph Knoxville Tennessee
September 4, 2019 1877635 Manuel Pauls Georges Sterling Heights Michigan
September 4, 2019 1877768 Brittany Charita Stanley Sterling Heights Michigan
September 4, 2019 1877870 Taylor James Weiss Novi Michigan
September 4, 2019 1877888 James Daniel Wells Warren Michigan

SECTION II

September 12, 2019 (SF-LFS)
PREFERRED CREDIT, INC.
628 Roosevelt Rd, Suite #100, Saint Cloud, Stearns County, Minnesota, 56301

Application received from Michael Gene Windfeldt to increase his ownership interest to 15.4% in Preferred Credit, Inc. was approved effective September 12, 2019.


September 12, 2019 (TR-CRB)
HABIB AMERICAN BANK
99 Madison Avenue, New York, NY  10016

Approval given to change the location of branch office from 110 East 9th Street, Los Angeles, Los Angeles County, California 90079 to 928 South Broadway, Suite F, Los Angeles, Los Angeles County, California 90015, on or after September 13, 2019.


September 13, 2019 (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 1210 Route 130 North, Cinnaminson, Burlington County, NJ 08077, surrendered for cancellation.

Office discontinued as of September 6, 2019.


September 13, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization Certificate issued February 12, 2009, granting permission to open and occupy a branch office at 1452 Buck Road, Northampton Township, Bucks County, Pennsylvania 18966, surrendered for cancellation.

Office discontinued as of September 6, 2019.


September 16, 2019 (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 9375 Bustleton Avenue, Philadelphia, Philadelphia County, Pennsylvania 19115, surrendered for cancellation.

Office discontinued as of September 12, 2019.


September 16, 2019 (CU-CRB)
NORTHERN CREDIT UNIOn
120 Factory Street, Watertown, NY  13601

Approval given to open and maintain a station at 256 East Orvis Street, Massena, NY  13662, on or after September 17, 2019.


September 17, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applicant notified in writing that no objection will be interposed to the establishment of two electronic facilities (automated teller machines) at Rutter's Farm Store #41, 1621 West Cumberland Street, West Lebanon Township, Lebanon County, Pennsylvania 17042.


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

September 16, 2019 (BR-MBD)
AAFC GROUP LLC
3430 SUNSET AVE., STE.17, OCEAN, NJ 07712


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

September 16, 2019 (MB-MBD)
Full Service Branch
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
332 Route 9, Suite 1A, Forked River, NJ 08731

September 16, 2019 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
110 West Road, Suite 212, Towson, MD 21204

September 16, 2019 (MB-MBD)
Full Service Branch
Home Point Financial Corporation
2400 Maitland Center Parkway, Suite 300, Maitland, FL 32751

September 16, 2019 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
300 Kimball Drive, FLR 1, Suite 102, Parsippany, NJ 07054


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

September 16, 2019 (MS-MBD)
Full Service Branch
Compu-Link Corporation D/B/A Celink
101 West Louis Henna Blvd., Suite 450, Austin, TX 78728


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

September 12, 2019 (MB-MBD)
CrossCountry Mortgage, Inc.
4407-11 Park Ave, Suites 1-2 [Rooms 1-5], Union City, NJ 07087
Effective Date: August 14, 2019

September 16, 2019 (MB-MBD)
Guaranteed Rate, Inc.
173 Technology Drive, Suite #201, Irvine, CA 92618-2489
Effective Date: September 13, 2019

September 16, 2019 (MB-MBD)
Homestead Funding Corp.
6515 Main Street, Suite 7, Trumbull, CT 06611
Effective Date: September 16, 2019

September 18, 2019 (MB-MBD)
Residential Mortgage Services, Inc.
1517 Reisterstown Rd, 2nd Floor, Suite 200, Baltimore, MD 21208
Effective Date: September 17, 2019

September 18, 2019 (MB-MBD)
Residential Mortgage Services, Inc.
1640 Post Road, Fairfield, CT 06825
Effective Date: September 17, 2019


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

September 12, 2019 (BR-MBD)
Canyon Mortgage Corp.
136-40 39th Avenue, Suite #304-A, Flushing, NY 11354
Effective Date: September 11, 2019


Mortgage Banker Branch License Address Changes:

September 16, 2019 (MB-MBD)
CrossCountry Mortgage, Inc.
From: 119 Washington Street, Storefront, South Norwalk, CT 06854
To: 46 Miller St., #1, Fairfield, CT 06824


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 NO. NAME OF APPLICANT CITY STATE
June 17, 2019 859184 Catherine Anne Redfield Auburn New York
June 17, 2019 1546687 Diego Miguel Ferrer Philadelphia Pennsylvania
June 17, 2019 1803515 Dalia Vargas Lincoln Park Michigan
June 17, 2019 1813679 Mikalia Jalne Dennis Detroit Michigan
June 17, 2019 1814839 Ilya Shmidt Brooklyn New York
June 17, 2019 1824442 Ali Nidal Makki Dearborn Michigan
August 27, 2019 743584 Christopher Adam Cicola Coram New York
August 27, 2019 1671396 Candace Adine Tabb Charlotte North Carolina
August 27, 2019 1835539 Anthony Paul Payette Mount Clemens Michigan
September 18, 2019 134948 Jason Madiedo Las Vegas Nevada
September 18, 2019 169396 Gregory William Bartolotti Boynton Beach Florida

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 NO. NAME OF APPLICANT CITY STATE SPONSORING ENTITY
September 12, 2019 31133 Richard J. Russell Forest Hills New York Contour Mortgage Corporation
September 16, 2019 1430521 Vadim V. Zaurov Eatontown New Jersey AAFC Group LLC