Weekly Banking Bulletin

December 24, 2020

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,  Licensed Financial Services and Consumer Examination Unit 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

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

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

December 18, 2020 (MI-CRB)
PHILLIPPE D. KATZ, ESTHER KATZ, ISAAC S. KATZ, MAXWELL T. KATZ, KARA Z. NEWMAN, AND CHARLOTTE COHEN
Lawrence, New York
MARGA MARX, JOSEPH M. FINK, EVA FINK, MOSHE AARON FINK, ERIC DOV FINK, AND HILLARY FINK ROSENBERG 
Bronx, New York
ELLIOT MEIR FINK AND KAETHE FINK FEIT
Flushing, New York
AUSTIN J. KATZ
Clifton, New Jersey
KF INVESTORS LLC
New York, New York,
MOMAR CORPORATION
New York, New York
MARNEU HOLDING COMPANY
New York, New York
TERUMAH FOUNDATION, INC.
New York, New York
UNITED EQUITIES COMMODITIES COMPANY
New York, New York

Application, pursuant to Section 143-b of the Banking Law, for Phillippe D. Katz, Esther Katz, Isaac S. Katz, Maxwell T. Katz, Kara Z. Newman, Charlotte Cohen, Austin J. Katz, Marga Marx, Joseph M. Fink, Eva Fink, Moshe Aaron Fink, Eric Dov Fink, Elliot Meir Fink, Hillary Fink Rosenberg, Kaethe Fink Feit, KF Investors LLC, Momar Corporation, Marneu Holding Company, Terumah Foundation, Inc., and United Equities Commodities Company to collectively acquire indirect control of The Berkshire Bank, New York, New York, received. 

The comment period on this application will expire on January 25, 2021.


December 18, 2020 (SB-CRB)
NEW YORK COMMUNITY BANK
102 Duffy Avenue, Hicksville, NY 11801

Notice of intention to close branch office at 50 Route 111, Suite 105, (Unincorporated Area) Town of Smithtown, Suffolk County, New York 11787, received.

The comment period on this notice will expire January 26, 2021.


December 21, 2020 (PF-LFS)
MACKOUL INSTALLMENT SERVICES, LLC DBA MIS PREMIUM FINANCING
25 Nassau Lane, Island Park, Nassau County, NY 11558

Application received for a license to engage in business as a premium finance company. 

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.


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

December 17, 2020 (MB-MBD)
Full Service Branch
Cardinal Financial Company, LP D/B/A Sebonic Financial
32630 Cedar Dr, Unit C, Millville, DE 19967

December 18, 2020 (MB-MBD)
Full Service Branch
Equity Now Inc.
52 East High Street, Suite 101 and 102, Carlisle, PA 17013

December 22, 2020 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
17 Catoonah Street, Ridgefield, CT 06877

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
85 North Main Street, Suite 3, Ellenville, NY 12428

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
672 Main Street, Suite 1, Johnson City, NY 13790

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
9714 101 Ave, Ozone Park, NY 11416

December 23, 2020 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
106 Apple Street, Suite 102-B, Tinton Falls, NJ 07724

December 23, 2020 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
430 Main St, Suite 109, Agawam, MA 01001


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

December 23, 2020 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
18 Spencer St., 11th Floor, Brooklyn, NY 11205

December 23, 2020 (BR-MBD)
Full Service Branch
Prosper First Capital
440 New Karner Road, Second Floor, Albany, NY 12205


Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for control interest:

December 22, 2020 (MB-MBD)
Applicant(s)
UWM Holdings, LLC
To acquire interest in:
United Shore Financial Services, LLC D/B/A Shore Mortgage
D/B/A United Wholesale Mortgage
585 South Boulevard E, Pontiac, MI 48341


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 # Applicant Name City State
July 1, 2020 619652 Stephanie Suzanne DeLuise Neblett Wilmington North Carolina
July 31, 2020 1996133 Zachary Zeankowski Levittown New York
August 21, 2020 1809777 Lanfang Lin Flushing New York
October 20, 2020 1920236 Andrew George Sophocleous Los Angeles California
November 2, 2020 1550947 Renu Bhatija Poolesville Maryland
November 2, 2020 1962450 Melissa Kelly Verga Clifton Park New York
November 25, 2020 67847 Ken Allan Golubjatnikov Pittsford New York
November 27, 2020 1993857 Joseph Reichman Brooklyn New York
December 1, 2020 1713874 Gregory Jude Morga Brick New Jersey
December 1, 2020 1969009 Nicholas Philip Napolitano Hempstead New York
December 3, 2020 1950409 Joshua Wayne Lister Columbia Missouri
December 4, 2020 875033 Michelle Louise Mitchell Bloomfield Connecticut
December 7, 2020 1437104 Lindsay Brooke Irvine Acworth Georgia
December 7, 2020 2007487 Shira Brooke Federman New York New York
December 7, 2020 2043897 Matthew Scott Weiss Ronkonkoma New York
December 8, 2020 2058982 Eric P. Wallis Westfield New Jersey
December 11, 2020 861200 Todd Jeremy Runkle Riverside California
December 11, 2020 1115656 Sean Francis Scocca Philadelphia Pennsylvania
December 11, 2020 2059035 Andrew Costa Centerport New York
December 14, 2020 1716853 Yolanda Godbolt Spann Marietta Georgia
December 14, 2020 1842252 Sean Patrick Goggins Marietta Georgia
December 14, 2020 1936262 Joseph Michael Figueroa Bethlehem Pennsylvania
December 14, 2020 1957061 Tyler Paul Rann Madison Heights Michigan
December 14, 2020 1970761 Thomas Learmont Oleksiak Warren Michigan
December 15, 2020 2027182 Corey Kendal Bruns Columbia Missouri
December 16, 2020 965112 Thomas M. Scott Saugerties New York
December 16, 2020 1645541 William Henry Brown Acworth Georgia
December 16, 2020 1904955 Natisha LaShawn Shannon Grosse Pointe Woods Michigan
December 16, 2020 1941323 Kasey Donell Mishaw Taylor Michigan
December 16, 2020 1957066 Hailee Nicole Reeves Wyandotte Michigan
December 16, 2020 1957254 Omar Belal Said Dearborn Michigan
December 16, 2020 1957895 Patrick O'Neill McGauley Trenton Michigan
December 16, 2020 1957916 Ali Mochawrab Dearborn Heights Michigan
December 16, 2020 1957933 Hussein Bilal Mroue Dearborn Heights Michigan
December 16, 2020 1970964 Christina Ann Naden Roseville Michigan
December 16, 2020 2055368 Tiffany Andrea Provenzano Massapequa New York
December 17, 2020 2010670 Michael Madonna Hoboken New Jersey

SECTION II

November 18, 2020 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue (Fourteenth Floor), New York, NY 10001

Authorization certificate dated July 7, 2009, granting permission to open and occupy branch office at 619 Main Street, Roosevelt Island, Borough of Manhattan, City of New York 10044, surrendered for cancellation.

Office permanently discontinued as of September 25, 2020.


December 18, 2020 (MI-CRB)
BRIDGE BANCORP, INC.
2200 Montauk Highway, Bridgehampton, NY 11932

Application, pursuant to Section 143-b of the Banking Law, to acquire control of Dime Community Bank, New York, New York, approved.

(The control application is necessitated by the merger of  Dime Community Bancshares, Inc., the parent corporation of Dime Community Bank,  with and into Bridge Bancorp, Inc., the parent corporation of BNB Bank, under the name Dime Community Bancshares, Inc.)


December 18, 2020 (TR-CRB)
BNB BANK
2200 Montauk Highway, Bridgehampton, NY 11932
DIME COMMUNITY BANK (BK-CRB)
149 Kent Avenue, Brooklyn, New York 11249

Application, pursuant to Section 601-b of the Banking Law, for Dime Community Bank to merge with and into BNB Bank, under the name Dime Community Bank, approved.

(Immediately prior to this merger, Dime Community Bancshares, Inc., the parent corporation of Dime Community Bank, will merge with and into Bridge Bancorp, Inc., the parent corporation of BNB Bank.)


December 21, 2020 (MI-CRB)
HUDSON RIVER FINANCIAL FEDERAL CREDIT UNION
3563 Mohegan Avenue, Mohegan Lake, NY 10547

Application for the conversion of Hudson River Financial Federal Credit Union to a New York state-chartered credit union under the name Hudson River Financial Credit Union, pursuant to Section 486 of the Banking Law, approved.


December 21, 2020 (CU-CRB)
SUNMARK CREDIT UNION
1187 Troy Schenectady Road, Latham, NY 12110
HUDSON RIVER FINANCIAL CREDIT UNION
3563 Mohegan Avenue, Mohegan Lake, NY 10547

Application for the merger of Hudson River Financial Credit Union with and into Sunmark Credit Union, pursuant to Section 601-b of the Banking Law, under the name Sunmark Credit Union, approved.


December 21, 2020 (CU-CRB)
SUNMARK CREDIT UNION
1187 Troy Schenectady Road, Latham, NY 12110
COLUMBIA-GREENE CREDIT UNION
207A Green Street, Hudson, NY 12534

Application for the merger of Columbia-Greene Credit Union with and into Sunmark Credit Union, pursuant to Section 601-b of the Banking Law, under the name Sunmark Credit Union, approved.


December 21, 2020 (MI-CRB)
COLUMBIA-GREENE FEDERAL CREDIT UNION
207A Green Street, Hudson, NY 12534

Application for the conversion of Columbia-Greene Federal Credit Union to a New York state-chartered credit union under the name Columbia-Greene Credit Union, pursuant to Section 486 of the Banking Law, approved.


December 21, 2020 (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 1 East Main Street, Corfu, Genesee County, New York 14036, surrendered for cancellation.

Office discontinued as of December 18, 2020.


December 21, 2020 (TR-CRB)
POPULAR BANK
11 West 51st Street, New York, NY 10019

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 310 East Houston Street, Borough of Manhattan, City of New York 10002, will not result in a significant reduction of financial services in the community to be affected.


December 22, 2020 (FB-FWB)
CREDIT SUISSE AG, NEW YORK BRANCH
Paradeplatz 8, 8001 Zurich Switzerland

Credit Suisse Group AG (“CSG”), Credit Suisse AG (“CS”), Credit Suisse Holdings (USA), Inc. (“CS USA”), CS, New York Branch, the Federal Reserve Bank of New York, and the Department have mutually entered into a Written Agreement to resolve deficiencies in CS USA’s compliance risk management program, including deficiencies with the Bank Secrecy Act/Anti–Money Laundering (“BSA/AML”) compliance function administered by CS USA subsidiary Credit Suisse Services USA, LLC within US Operations. The Written Agreement requires CSG to ensure that each of its US legal entities complies with provisions pertaining to Corporate Compliance and Governance; BSA/AML Compliance Oversight; Customer Due Diligence; Suspicious Activity Monitoring and Reporting; and Independent Testing.


December 23, 2020 (TR-CRB)
POPULAR BANK
11 West 51ST Street, New York, NY 10019

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch offices at the following two locations will not result in a significant reduction of banking services in the communities to be affected:

  1. 1170 Castle Hill Avenue, Borough of Bronx, City of New York 10462; and
  2. 1046 Southern Blvd., Borough of Bronx, City of New York 10459.

December 24, 2020 (TM-LFS)
TILIA, INC.
945 Battery Street, San Francisco, CA 94111

Application approved for a change of control whereby LRI Holdco LLC will acquire 100% of the outstanding shares of Tilia Inc.


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

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
579 Gramatan Avenue, Mount Vernon, NY 10552

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
2768 Niagara Falls Boulevard, Niagara Falls, NY 14304

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
6424 Flushing Avenue, Maspeth, NY 11378

December 23, 2020 (MB-MBD)
Full Service Branch
US Mortgage Corporation
3004 Middletown Road, Street Level, Bronx, NY 10461

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
922 Main Street, Suite B, Peekskill, NY 10566

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
99 Orange Avenue, Suffern, NY 10901

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
409 South Union Street, Spencerport, NY 14559

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
1213 Montauk Highway, Oakdale, NY 11769

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
8407 Boston State Road, Boston, NY 14025

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
6608 18th Avenue, Brooklyn, NY 11204

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
590 Pre-Emption Road, Geneva, NY 14456

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
7718 Buffalo Avenue, Niagara Falls, NY 14304

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
164 Temple Hill Road, New Windsor, NY 12553

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
531 Route 32, Highland Mills, NY 10930

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
101 Bloomingdale Road, Suite 1, Hicksville, NY 11801

December 23, 2020 (MB-MBD)
Full Service Branch
Cardinal Financial Company, LP D/B/A Sebonic Financial
30 Hempstead Ave, Ste 139, Rockville Centre, NY 11570

December 23, 2020 (MB-MBD)
Full Service Branch
United Mortgage Corp.  D/B/As:
NY Finest Funding
United Faith Mortgage
1201 U.S. Highway One, Ste. 330, North Palm Beach, FL 33408

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
61 West Main Street, Smithtown, NY 11787

December 23, 2020 (MB-MBD)
Full Service Branch
Quicken Loans, LLC
133 East Main Street, Suite 1A, Babylon, NY 11702


Mortgage Banker Branch License Address Changes:

December 23, 2020 (MB-MBD)
RealFi Home Funding Corp. D/B/A RHF Wholesale
From: 100 Lanidex Plaza, 2nd Floor, Parsippany, NJ 07054
To: 13 Main Street, Suite 5, Sparta, NJ 07871

December 23, 2020 (MB-MBD)
Family First Funding LLC
From: 781 Route 15 South, Suite B, Lake Hopatcong, NJ 07849-2339
To: 200 Mineral Springs Road, Suite 205, Rockaway, NJ 07866


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 # Applicant Name City State
December 17, 2020 106278 Kirill Ayzenberg Philadelphia Pennsylvania
December 17, 2020 208366 Namit Namit Miami Florida
December 17, 2020 1250005 Ellen Elizabeth Zawacki Escondido California