Weekly Banking Bulletin

October 4, 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

June 18, 2019 (SF-LFS)
YAMAHA MOTOR FINANCE CORPORATION, U.S.A.
6555 Katella Avenue, Cypress, Orange, California, 90630  

Application was received for a license to operate a branch office at 3065 Chastain Meadows Parkway NW, Marietta, Georgia, 30066. 

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.


September 17, 2019 (TR-CRB)
TOMPKINS TRUST COMPANY
118 East Seneca Street, Ithaca, NY 14850

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 293 Lexington Avenue, Mount Kisco Westchester County, New York 10549, received.

This trust office is to replace the bank's trust office at 10 Bank Street, White Plains, Westchester County, NY 10606.


September 23, 2019 (SF-LFS)
PORSCHE FINANCIAL SERVICES, INC. U/A/N BENTLEY FINANCIAL SERVICES U/A/N BUGATTI FINANCIAL SERVICES U/A/N LAMBORGHINI FINANCIAL SERVICES
One Porsche Drive, Atlanta, Cobb, Georgia 30354

Application was received for a license to operate a branch office at 600 Anton Boulevard, Suite 1280, Costa Mesa, California 92626. 

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.


September 30, 2019 (MI-CRB)
INVESTORS BANCORP, INC.
101 JFK Parkway, Short Hills, NJ 07078

Application, pursuant to Section 143-b of the Banking Law, to acquire control of Gold Coast Bank, Islandia, New York, received.

The comment period for this application will expire on November 4, 2019.


October 1, 2019 (BK-CRB)
DIME COMMUNITY BANK
149 Kent Avenue, Brooklyn, New York 11249

Notice of intention to close branch office at 7524 3rd Avenue, Borough of Brooklyn, City of New York 11209, received.

The comment period on this notice will expire November 4, 2019.


October 1, 2019 (BK-CRB)
ELMIRA SAVINGS Bank
333 East Water Street, Elmira, New York 14901

Notice of intention to close branch office at 2075 Lake Road, Elmira Heights, Town of Horseheads, Chemung County, New York 14903, received.

The comment period on this notice will expire November 4, 2019.


October 3, 2019 (MI-CRB)
CROSS RIVER BANK
885 Teaneck Road, Teaneck, NJ 07666
Application dated September 27, 2019, for permission to open and occupy a branch office at 2365 Nostrand Avenue, Borough of Brooklyn, City of New York 11210, received.


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

September 26, 2019 (BR-MBD)
Applicant(s)
Vineet Gadura
As: Gadura Mortgage LLC
106-09 101st Ave 1F, Ozone Park, NY 11416

October 2, 2019 (BR-MBD)
Applicant(s)
Robert Christopher Edgehill
As: E 3 Mortgage Corp
20283 State Road 7, Suite # 344, Boca Raton, FL 33498


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 17, 2019 1561826 Austin Drake Fisher

Reno

Nevada
July 26, 2019 1609736 Brian Mullings Carter

New Rochelle

New York
August 6, 2019 65013 Panayiotis Markou

Franklin Square

New York
August 12, 2019 34761 Michael Quaranta

Mt. Laurel

New Jersey
August 15, 2019 1180197 Bryan Gilberto Cortez

Moreno Valley

California
August 16, 2019 7953 Alexander C. Franco

Newburgh

New York
August 20, 2019 1279656 Bethany Lynn Laube

Plano

Texas
August 21, 2019 413955 Mark Edwin Erway

Medina

New York
August 27, 2019 1855477 Vugar Mishiyev

Farmington Hills

Michigan
August 29, 2019 954708 Zachary Michael Luppes

San Diego

California
August 30, 2019 216652 Gerald M. Green

Long Valley

New Jersey
September 4, 2019 1822987 Emilyann Quiroz

Yonkers

New York
September 5, 2019 1852812 Deborah A. Flower

Bronxville

New York
September 6, 2019 435340 Mohamed Mehanna

Dearborn

Michigan
September 9, 2019 1892453 David Dennis Dzierba

Cheektowaga

New York
September 11, 2019 1866743 Meghan Ruth McKenna

Dearborn

Michigan
September 13, 2019 58148 Ezra M. Tawil

Brooklyn

New York
September 13, 2019 1865787 David Schwartz

Monroe

New York
September 16, 2019 1866795 Michael Ray Yeary

Allen Park

Michigan
September 18, 2019 1896034 Jerry Sherman Persampieri

New York

New York
September 19, 2019 7457 Gregg Robert Roy

Cranston

Rhode Island
September 19, 2019 1498092 Robert Fredrick Hacker

Independence

Kentucky
September 19, 2019 1866722 Katherine Theresa Mastela

Livonia

Michigan
September 20, 2019 535503 Philip Adam Quaderer

Pontiac

Michigan
September 20, 2019 1863893 Josh Santosh David

Fort Worth

Texas
September 20, 2019 1877443 Alexis Anesa Munoz

Port Huron

Michigan
September 23, 2019 1829179 Jessica Lynne McDermott

Mastic

New York
September 23, 2019 1876336 Sebastian Cordoba

East Elmhurst

New York
September 24, 2019 1472322 Jimmy Pierre Ceus

Lake Worth

Florida
September 24, 2019 1622712 Saju Mathew

Selden

New York
September 24, 2019 1830566 Melony Lashon Williams

Grand Prairie

Texas
September 24, 2019 1863959 Robert Cole Roberts

Southlake

Texas
September 24, 2019 1876941 Ayana Naomi Scott

Fort Worth

Texas
September 25, 2019 13428 Toby Edward Wells

Highlands Ranch

Colorado
September 25, 2019 1868887 Tristan Anderson Rice

Denton

Texas
September 26, 2019 562904 Jessica Rose Wiegand

Westerville

Ohio
September 26, 2019 1423622 Ernie Sambrano

San Diego

California
September 27, 2019 1881225 Joseph Steven Pappas

Bristol

Rhode Island

SECTION II

August 29, 2019 (LL-LFS)
YAMAHA MOTOR FINANCE CORPORATION, U.S.A.
6555 Katella Avenue, Cypress, Orange, California, 90630  

Application for a branch license to engage in business as a licensed lender at 3065 Chastain Meadows Parkway NW, Marietta, Georgia, 30066 was approved.


September 26, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization Certificate issued July 16, 2019, granting permission to open and occupy a branch office at 300 East Pratt Street, Baltimore (independent city), Maryland 21202 for the limited purpose of opening accounts, surrendered for cancellation.

Operations were discontinued as of September 20, 2019.


September 27, 2019 (TR-CRB)
STEUBEN TRUST COMPANY
One Steuben Square, Hornell, New York 14843

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 484 Main Street, Whitesville, Allegany County, New York 14897 will not result in a significant reduction of banking services in the community to be affected.


September 27, 2019 (MI-CRB)
INVESTORS BANK
101 JFK Parkway, Short Hills, New Jersey 07078

Authorization issued to open and occupy a branch office at 108-01 Queens Boulevard, Forest Hills, Borough of Queens, City of New York 11375, on or after September 28, 2019.


September 30, 2019 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following two locations, surrendered for cancellation:

  1. 209 Woodward Avenue (formerly 135 Woodward Avenue), Lock Haven, Clinton County, Pennsylvania 17745; and
  2. 1002 North Seventh Street, Harrisburg, Dauphin County, Pennsylvania 17102.

Offices discontinued as of September 25, 2019.


October 1, 2019 (TM-LFS)
COINBASE, INC.
430 California Street, San Francisco, CA 94104-1301

Application for change of location from 1 Front Street, Suite 2800, San Francisco, California 94111 to 430 California Street, San Francisco, CA 94104-1301 was approved effective September 30, 2019.


October 1, 2019 (CU-CRB)
HUDSON VALLEY CREDIT UNION
137 Boardman Road, Poughkeepsie, NY 12603

The “Plan of Charter Conversion” dated June 7, 2019, together with the “Organization Certificate of Hudson Valley Credit Union,” were filed in the Office of the Superintendent of Financial Services, and an Authorization Certificate was issued in connection with the conversion of Hudson Valley Federal Credit Union from federal to state charter, pursuant to Section 486 of the Banking Law, under the name Hudson Valley Credit Union.  The conversion became effective as of opening of business, October 1, 2019. 

In addition to the principal office noted above, the credit union will maintain the following stations:

4 Tucker Drive, Poughkeepsie, Dutchess County, New York 12603
324 Main Street, Beacon, Dutchess County, New York 12508
Brewster Towne Center, 1620 NY-22, Brewster, Putnam County, New York 10509
2 Terrace Drive, Carmel, Putnam County, New York 10512
6 Schuyler Boulevard, Fishkill, Dutchess County, New York 12524
11 Marshall Road, Wappingers Falls, Dutchess County, New York 12590    
101 Tillson Avenue, Highland, Ulster County, New York 12528        
415 Route 376, Hopewell Junction, Dutchess County, New York 12533      
Hyde Park Mall, 3999 Albany Post Road, Hyde Park, Dutchess County, New York 12538   
1639 Ulster Avenue (Route 9W), Lake Katrine, Ulster County, New York 12449     
155 Stringham Road, Lagrangeville, Dutchess County, New York 12540     
152 Route 6, Mahopac, Putnam County, New York, 10541  
40 Lloyds Lane, Middletown, Orange County, New York 10940       
30 Hawkins Drive, Montgomery, Orange County, New York 12549 
953 Route 300, Newburgh, Orange County, New York 12550          
265 Windsor Highway, New Windsor, Orange County, New York 12553     
12 North Avenue, Pleasant Valley, Dutchess County, New York 12569       
2373 Route 9, Poughkeepsie, Dutchess County, New York 12601   
6740 Route 9, Rhinebeck, Dutchess County, New York 12572         
87 Brookside Avenue, Chester, Orange County, New York 10918


October 2, 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 an electronic facility (automated teller machine) at 645-A South Philadelphia Boulevard, Town of Aberdeen, Harford County, Maryland 21001.


October 2, 2019 (PF-LFS)
MHD Empire Service Corp.
300 South State Street, Suite 1000, Syracuse, New York 13202

The application for the relocation of the main office was approved as follows, effective September 23, 2019: 

From:   231 Salina Meadows, PO Box 4743, Syracuse, New York 13221
To: 300 South State Street, Suite 1000, Syracuse, New York 13202

October 4, 2019 (CC-LFS)
DAVID’S CHECK CASHING, INC.
3015 Third Avenue, Bronx, NY 10455

A license was issued to engage in business as a casher of checks at 493 Amsterdam Avenue, New York, NY 10024.

Regarding the above license issuance, the original check casher license at 468-470 Amsterdam Avenue, New York, NY 10024 was surrendered.


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

October 2, 2019 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
6650 W. Snowville Road, Suites A - E, Brecksville, OH 44141

October 2, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
28 Trinity Street, Suite 1, Newton, NJ 07860

October 2, 2019 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, Inc.
500 W. Cypress Creek Road, Suite 410, Fort Lauderdale, FL 33309

October 2, 2019 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
6 W Marlborough Street, First Floor, Newport, RI 02840


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

September 30, 2019 (BR-MBD)
Karen Crichlow
101 64th Street, Suite B-7, West New York, NJ 07093
Effective Date: September 23, 2019


Mortgage Broker Certificate Address Changes:

October 2, 2019 (BR-MBD)
Kundu Corporation   D/B/A Mortgage Advance Team
From: 40-04 73rd Street, 3rd Floor, Woodside, NY 11377
To: 40 04 73rd Street, 2nd Floor, Woodside, NY 11377

October 2, 2019 (BR-MBD)
Hypotec Inc.
From: 11900 Biscayne Boulevard, Suite 106, Miami, FL 33181
To: 11900 Biscayne Blvd, Ste 618, Miami, FL 33181


Mortgage Banker Branch License Address Changes:

October 2, 2019 (MB-MBD)
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
From: 2 Huntington Quadrangle, Suite 2S01, Melville, NY 11747
To: 3025-3027 Hempstead Tpke, Levittown, NY 11756

October 2, 2019 (MB-MBD)
Total Mortgage Services, LLC
From: 23 Catoonah Street, Suite #2B, Ridgefield, CT 06877
To: 23 Catoonah Street, 1st Floor, Ridgefield, CT 06877

October 2, 2019 (MB-MBD)
Homestead Funding Corp.
From: 32 West Bridge Street, Unit 6, Catskill, NY 12414
To: 175 Water Street, Suite 5, Catskill, NY 12414


Mortgage Broker Branch Certificate Address Changes:

October 2, 2019 (BR-MBD)
A.S.A.P. Mortgage Corp.
From: 708 3rd Avenue, 5th Floor, Office #CB149, New York, NY 10017
To: 10 Grand Central, 155 East 44th Street, 5th Floor, Office #CB149, New York, NY 10017


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
March 11, 2019 1211938 Yousip Atour Golani Livonia Michigan
August 23, 2019 68419 Christopher Thomas Schmitt East Islip New York
August 23, 2019 140978 Glenn Stanley Main Mount Wolf Pennsylvania
August 23, 2019 999511 Michael Austin Crews Farmers Branch Texas
August 23, 2019 1479910 John Zachary Gallup San Diego California
August 27, 2019 55813 Ezra Ziff Jamaica New York
August 27, 2019 266978 Bregenia Lynn Hamp Dallas Texas
August 27, 2019 608260 Christopher Elliot Johnson Carmel Indiana
August 27, 2019 796876 Sarah Mary Marvin Watertown New York
August 27, 2019 1037941 Lia Tengiz Epremashvili Forest Hills New York
August 27, 2019 1747143 Adam S. Yoslowitz Oceanside New York
August 27, 2019 1790366 Julie Ann Leon Woodhaven New York
August 27, 2019 1803228 Jihad Issam Sayed-Ahmad Canton Michigan
August 27, 2019 1812849 Shaila Iris Guevara Fort Worth Texas
August 27, 2019 1813712 Kristin Marian Wilson Canton Michigan
September 5, 2019 279824 Anupama Gupta Monroe New Jersey
September 5, 2019 1016467 Ralph William Pacheco Chino Hills California
September 5, 2019 1099787 Matthew Christian La Giglia Ann Arbor Michigan
September 5, 2019 1100457 Nicholas Christopher Spounias Prosper Texas
September 5, 2019 1459089 Jerrad Anthony Lombardo Cheshire Connecticut
September 5, 2019 1681673 Eric Anthony Jenkins Carrollton Texas
September 5, 2019 1736301 Ernest Lefkowitz Brooklyn New York
September 5, 2019 1752467 Kevin Kim Aliso Viejo California
September 5, 2019 1802899 Simon H. Choi Belmont Massachusetts
September 5, 2019 1812844 Javier Lopez Garcia Carrollton Texas