Weekly Banking Bulletin

December 3, 2021

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

Regulatory Unit Codes

SECTION I

November 24, 2021 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated November 24, 2021, for permission to change the location of branch office from 57 West Main Street, Ramsey, Bergen County, NJ 07446 to 185 Arch Street, Ramsey, Bergen County, NJ 07446, received.

---

December 1, 2021 (MI-CRB)
INVESTORS BANK
101 JFK Parkway, Short Hills, NJ 07078

Application dated November 3, 2021, for permission to open and occupy a branch office at 111 Broadway, Borough of Manhattan, City of New York 10006, received.

---

December 3, 2021
ORDER UNDER SECTION 12–a OF THE NEW YORK BANKING LAW

Notice of intent to issue an order pursuant to Section 12–a of the Banking Law:
Granting a request from Goldman Sachs Bank USA (the “Bank”) to exempt extensions of credit from the Bank to its affiliates from the legal lending limits under Section 103 of the New York Banking Law, consistent with the exemption from the legal lending limits that applies to extensions of credit by national banks to their affiliates under 12 USC 84 and 12 CFR Part 32, provided, however, that any such extensions of credit by the Bank to its affiliates are conducted in full compliance with the requirements and restrictions set forth in Section 23A and 23 B of the Federal Reserve Act and Regulation W of the Federal Reserve Board.

The comment period on this notice will expire January 4, 2022.

---

Application to engage in the business of a Mortgage Banker under Article 12-D of the New York Banking Law, amended to read as follows:

September 9, 2020
From:
Barnard Family Trust
Tanguy Vincent Serra
Jay Stuart Laifman
BKM Holdings, LLC
Paramount GR Holdings, LLC
Paramount Owner Holding Company, INC
Hayden Dickinson Barnard
John Jason Walker
Matthew Jared Dawson
As: Paramount Partners, LLC In lieu of true name Loanpal, LLC
8781 Sierra College Blvd., Roseville, CA 95661

December 1, 2021
To:
Barnard Family Trust
Scott D. Sandell
Laurence A. Tosi III
Alexander B. Seawell
Tanguy Vincent Serra
Jay Stuart Laifman
BKM Holdings, LLC
Paramount GR Holdings, LLC
Paramount Owner Holding Company, INC
Hayden Dickinson Barnard
John Jason Walker
Matthew Jared Dawson
As: Paramount Partners
8781 Sierra College Blvd., Roseville, CA 95661

---

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

November 29, 2021 (BR-MBD)
Full Service Branch
Capital Plus Residential
491 State Route 208, Suite 023, Monroe, NY 10950

---

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

November 15, 2021 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY  11791

The license to engage in business as a casher of checks at the following location has been surrendered, effective October 27, 2021:

Branch office:  295 Church Street, New York, NY  10007

---

November 30, 2021 (TM-LFS)
SKRILL USA, INC.
2 S Biscayne Blvd, Suite 2630, Miami, Florida 33131

Application for change of location from 100 N. Biscayne Boulevard, Suite 2120, Miami, Florida 33132 to 2 S Biscayne Blvd, Suite 2630, Miami, Florida 33131 was approved effective November 26, 2021.

---

December 1, 2021 (BK-FWB)
WOORI AMERICA BANK
330 Fifth Avenue, New York, NY 10001

Authorization issued to open and occupy a branch office at 3360 Satellite Boulevard, Suite 14, Duluth, Gwinnett County, Georgia 30096, on or after December 2, 2021.

---

December 1, 2021 (SF – LFS)
SERVICE FINANCE COMPANY, LLC
555 South Federal Highway, Suite 200, Boca Raton, FL 33432

Application for a change of control whereby Truist Bank will acquire 100% of the outstanding shares in the parent of Service Finance Company, LLC was approved on November 30, 2021.

---

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

December 1, 2021 (MB-MBD)
Full Service Branch
loanDepot.com, LLC D/B/As:
LDWholesale
loanDepot
4800 N. Scottsdale Rd., Suite 3800, Scottsdale, AZ 85251

December 1, 2021 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW
283 Inman Ave. Unit 6, Colonia, NJ 07067

December 1, 2021 (MB-MBD)
Full Service Branch
GR Affinity, LLC in lieu of Guaranteed Rate Affinity, LLC
2605 Enterprise Road East Suite 310, Clearwater, FL 33759

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
80 Glen Head Rd, Suite 1, Glen Head, NY 11545

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
167 East Jericho Turnpike, Mineola, NY 11501

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
411 Furrows Road, Holbrook, NY 11741

December 1, 2021 (MB-MBD)
Full Service Branch
A&D Mortgage LLC
19790 W Dixie Hwy, Suite 505, Miami, FL 33180

December 1, 2021 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
173 West 85th Street, New York, NY 10024

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
1555 E Henrietta Rd, Rochester, NY 14623

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
4734 White Plains Road, Bronx, NY 10470

December 1, 2021 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC D/B/A MLB Mortgage
33 SE 7th Street, Suite M, Boca Raton, FL 33432

---

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

December 1, 2021 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
4000 Hollywood Boulevard, Suite 455-S, Hollywood, FL 33021

---

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

November 26, 2021 (MB-MBD)
Atlantic Home Loans, Inc.
222 Post Rd., Unit 2621, Fairfield, CT 06824
Effective Date: October 26, 2021

November 26, 2021 (MB-MBD)
Luxury Mortgage Corp.
15200 Jog Road, Unit 202, Delray Beach, FL 33446
Effective Date: November 19, 2021

---

Mortgage Banker License Address Changes:

November 30, 2021 (MB-MBD)
Interstate Home Loan Center, Inc.
From: 40 Marcus Drive, Suite 200, Melville, NY 11747
To: 40 Marcus Drive, Suite 250, Melville, NY 11747

November 30, 2021 (MB-MBD)
Family First Funding LLC
From: 215 Main Street, Suite 2A, Toms River, NJ 08753
To: 44 Washington St., Suite 200, Toms River, NJ 08753

November 30, 2021 (MB-MBD)
Impac Mortgage Corp. D/B/A Excel Mortgage
From: 19500 Jamboree Road, Irvine, CA 92612
To: 19500 Jamboree Road, Suite 200, Irvine, CA 92612

---

Mortgage Banker Branch License Address Changes:

November 30, 2021 (MB-MBD)
NLC Loans in lieu of NATIONS LENDING CORPORATION
From: 1000 Woodbridge Center Drive, Suite 101, Woodbridge, NJ 07095
To: 201 Route 17 North, Suite 604, Rutherford, NJ 07070

November 30, 2021 (MB-MBD)
Homebridge Financial Services, Inc.  D/B/A Menlo Park Funding
From: 711 Westchester Avenue, Suite 403, White Plains, NY 10604
To: 800 Westchester Ave, Suite S606, Rye Brook, NY 10573

November 30, 2021 (MB-MBD)
Greenway Mortgage Funding Corp.
From: 233 Broadway, Suite #2305, Office #303, New York, NY 10279
To: 233 Broadway, Suite 2020, Office 2, New York, NY 10279

---

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 #	Applicant Name	City	State	Sponsoring Entity
November 17, 2021	542932	Michael Yair Isaacson	Phoenix	Arizona	Cognizant Mortgage Services Corporation
November 30, 2021	4076	Robert Dean Villone	Fishkill	New York	JL Mortgage Brokers LLC
November 30, 2021	7297	James Anthony Passabet	Pleasantville	New York	loanDepot.com, LLC
November 30, 2021	8778	Michael J. Littleton	Yorktown	New York	loanDepot.com, LLC
November 30, 2021	35700	Kathleen Nagle	Hamburg	New York	OwnersChoice Funding, Incorporated
November 30, 2021	38461	Michael Patrick Salamon	Cherry Hill	New Jersey	Union Plus Mortgage Company
November 30, 2021	40262	Jeffrey Adam Silverman	Holland	Pennsylvania	Envoy Mortgage, Ltd.
November 30, 2021	55813	Ezra Ziff	Oceanside	New York	Prudential Borrowing, LLC
November 30, 2021	60362	Craig Greissman	Merrick	New York	loanDepot.com, LLC
November 30, 2021	63831	Richard Caruz Nailes	Jamaica	New York	Cardinal Financial Company, Limited Partnership
November 30, 2021	65130	Robert John Lepanto	Astoria	New York	loanDepot.com, LLC
November 30, 2021	66858	Denis Michael Clyne	North Charleston	South Carolina	Family First Funding LLC
November 30, 2021	67162	Michael Adam Csornak	Farmingdale	New York	East Coast Capital Corp.
November 30, 2021	82175	Faride Francklin	Valley Stream	New York	United Mortgage Corp.
November 30, 2021	113935	Christina Bayyan	Newark	New Jersey	Jersey Mortgage Company of New Jersey, Inc.
November 30, 2021	121530	Jennifer Anne Pilla	East Setauket	New York	United Mortgage Corp.
November 30, 2021	125301	Laura Kotowski	Smithtown	New York	Family First Funding LLC
November 30, 2021	173422	Nichole Marie Guthneck	Boca Raton	Florida	NP, Inc.
November 30, 2021	179181	Michael Christian Davis	Johnstown	Ohio	Carrington Mortgage Services, LLC
November 30, 2021	180867	Michael Joseph Guthneck	Boca Raton	Florida	NP, Inc.
November 30, 2021	189301	Christopher Michael Meyer	Hicksville	New York	Contour Mortgage Corporation
November 30, 2021	206259	Tania Elizabeth Morgan	Highland Park	Illinois	Guaranteed Rate, Inc.
November 30, 2021	207263	Patrick Anthony Neely	Maple Shade	New Jersey	Arc Home LLC
November 30, 2021	220326	Sharon N. Ford	Bedminster	New Jersey	CrossCountry Mortgage, LLC
November 30, 2021	240381	James Nicholas Tolley	Newmarket	New Hampshire	Fairway Independent Mortgage Corporation
November 30, 2021	256514	Wendy Marie Bankston	Aliso Viejo	California	Nationstar Mortgage LLC
November 30, 2021	319419	Joel Tovy Reich	Brooklyn	New York	CrossCountry Mortgage, LLC
November 30, 2021	392435	Gregory Allen Patterson	Cherry Hill	New Jersey	Freedom Mortgage Corporation
November 30, 2021	410195	Peter A. Alongi	Syosset	New York	R & J Capital Group, LLC
November 30, 2021	556632	Ashley Lauren Paolozzi	Utica	New York	Premium Mortgage Corp.
November 30, 2021	600733	Alan J. Taveras	Bronx	New York	UNMB Home Loans Inc.
November 30, 2021	784754	Lori Malley	Bay Shore	New York	Shamrock Home Loans, Inc.
November 30, 2021	821050	Adam Paul Fink	Huntingdon Valley	Pennsylvania	Allied Mortgage Group, Inc.
November 30, 2021	852773	Anja Haracic	Round Hill	Virginia	MLD Mortgage Inc.
November 30, 2021	860842	Russell Perry Cross	Jacksonville	Florida	Carrington Mortgage Services, LLC
November 30, 2021	899957	Jaime Fee Morton	Delran	New Jersey	Guaranteed Rate Affinity, LLC
November 30, 2021	956747	Bryan Scott Robidart	Foothill Ranch	California	Lenox Financial Mortgage Corporation
November 30, 2021	992669	Kevin Roger Wiegmann	Jacksonville	Florida	Carrington Mortgage Services, LLC
November 30, 2021	1018809	Edward Chang-Huk Yim	Bellevue	Washington	Full Beaker, Inc.
November 30, 2021	1054846	Fabiola Alma Tiscareno	Rancho Cucamonga	California	Sun West Mortgage Company, Inc.
November 30, 2021	1067883	Jason E. Rivas	Oakdale	New York	Embrace Home Loans, Inc.
November 30, 2021	1092872	Casey Cole Sullivan	Carmel	Indiana	Carrington Mortgage Services, LLC
November 30, 2021	1116855	Tyler Scott Frist	Indianapolis	Indiana	Royal United Mortgage, LLC
November 30, 2021	1147181	Le Mike Ho	Rancho Santa Margarita	California	loanDepot.com, LLC
November 30, 2021	1162851	James W. McLaughlin	East Greenbush	New York	ClearPath Mortgage Solutions, Inc.
November 30, 2021	1231779	Anne Marie Urban	Saratoga Springs	New York	Fairway Independent Mortgage Corporation
November 30, 2021	1301900	Steven Yap	Easton	Pennsylvania	Guaranteed Rate, Inc.
November 30, 2021	1411155	Omar Alexander Bahour	El Cajon	California	Freedom Mortgage Corporation
November 30, 2021	1430522	Raquel Angelita Santillan	El Cajon	California	Freedom Mortgage Corporation
November 30, 2021	1503577	Gregory Molloy	Rockville Centre	New York	CrossCountry Mortgage, LLC
November 30, 2021	1506199	Scott Andrew Cummings	Clifton	New Jersey	American Neighborhood Mortgage Acceptance Company LLC
November 30, 2021	1509383	Michael Vincent Tedeschi	Huntington	New York	Nationwide Mortgage Bankers, Inc.
November 30, 2021	1543606	Joseph Bruce Shoemaker	Chicago	Illinois	Guaranteed Rate, Inc.
November 30, 2021	1605979	Andrew Walter Maheras	Gilbert	Arizona	Carrington Mortgage Services, LLC
November 30, 2021	1626432	Eddie R. Rodriguez	Freeport	New York	loanDepot.com, LLC
November 30, 2021	1672757	Victoria Marie Callihan	Ashburn	Virginia	MLD Mortgage Inc.
November 30, 2021	1699158	Kenneth Lipschutz	Bloomfield Hills	Michigan	GCP REIT IV MLO, LLC
November 30, 2021	1709540	Zoey Shuxin Tang	Flushing	New York	Homebridge Financial Services, Inc.
November 30, 2021	1844556	Yocasta Delacruz	Passaic	New Jersey	Cardinal Financial Company, Limited Partnership
November 30, 2021	1849831	Conor Fitzpatrick	Closter	New Jersey	Northstar Funding Inc.
November 30, 2021	1852723	Aaron Joseph Bonaccorsy	Voorhees	New Jersey	Garden State Home Loans Incorporated
November 30, 2021	1865845	John C. Casabona	East Rockaway	New York	Lightning Funding Inc.
November 30, 2021	1902647	Brad Richard	Lebanon	Indiana	Carrington Mortgage Services, LLC
November 30, 2021	1929690	Lucas Stephen Ahern	Ellicott City	Maryland	NewRez LLC
November 30, 2021	1946361	Brent Robert Guthrey	Cleveland	Ohio	Reliance First Capital, LLC
November 30, 2021	1962420	Armando Tejeda	Yonkers	New York	Cityscape Mortgage Corp.
November 30, 2021	1963200	Devin Joseph Brewer	Elyria	Ohio	CrossCountry Mortgage, LLC
November 30, 2021	1964062	Grace Lee Peak	West Harrison	New York	Sun West Mortgage Company, Inc.
November 30, 2021	1979785	Tracey Lynne Obenauer	Pearl River	New York	Homeland Lending LLC
November 30, 2021	1996755	Ryan Andrew McBride	Rego Park	New York	RoundPoint Mortgage Servicing Corporation
November 30, 2021	2016275	Donald Ramsay Singh	Queens	New York	RealFi Home Funding Corp.
November 30, 2021	2034842	Margaret Mary Beckman	Hoboken	New Jersey	Better Mortgage Corporation
November 30, 2021	2035447	Karin Ann Backert	New York	New York	Better Mortgage Corporation
November 30, 2021	2039079	Tanise Cerria Edwards	Philadelphia	Pennsylvania	Freedom Mortgage Corporation
November 30, 2021	2072545	JohnRyan Rodriguez	Islip Terrace	New York	Mainstay Mortgage Corp.
November 30, 2021	2081292	Lenworth Johnson	Freeport	New York	Neighborhood Assistance Corporation of America
November 30, 2021	2097317	Alexander Arthur Deir	Lewisville	Texas	Nationstar Mortgage LLC
November 30, 2021	2102838	Phillip Ramon Estevez	New York	New York	Morty, Inc.
November 30, 2021	2102990	Thomas John Morrissey	Garfield Heights	Ohio	CrossCountry Mortgage, LLC
November 30, 2021	2103433	Kadeem A. Reid	New York	New York	American Financial Network, Inc.
November 30, 2021	2104531	Evan Michael Payne	Lewisville	Texas	Nationstar Mortgage LLC
November 30, 2021	2110795	Christopher Matthew Abbey	Delmar	New York	NP, Inc.
November 30, 2021	2113859	Moses Steinmetz	Monroe	New York	Capital M Inc.
November 30, 2021	2127889	Jordan Anthony Payne	The Colony	Texas	Nationstar Mortgage LLC
November 30, 2021	2128078	Pablo Spencer Kidd	Liberty Township	Ohio	Royal United Mortgage, LLC
November 30, 2021	2129315	Ayodele Oyebade	Brooklyn	New York	Nationwide Mortgage Bankers, Inc.
November 30, 2021	2131050	Irene Sarri	Astoria	New York	Lyons Mortgage Services, Inc.
November 30, 2021	2139751	Hunter McCain Robichaux	Southlake	Texas	Nationstar Mortgage LLC
November 30, 2021	2154289	Gerald J. Thielemann	Staten Island	New York	CityBrook Corp.

---

Application 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: