Weekly Banking Bulletin

January 14, 2022

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

December 31, 2021 (CU-CRB)
HERITAGE FINANCIAL credit union
25 Rykowski Lane, Middletown, NY 10941

Application dated December 20, 2021, for permission to open and maintain a station at PA 739 – Dingman’s Court, Delaware Township, PA 18328, received.

Application to acquire indirectly all shares of The Berkshire Bank, New York, New York, received.

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January 4, 2022 (MI-CRB)
TBB INTERMEDIATE LLC (in formation)
160 Broadway, New York, New York 10038

Application to indirectly acquire control of The Berkshire Bank, New York, New York, received.

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January 7, 2022 (bp-LFS)
GREENPATH, INC.
36500 Corporate Drive, Farmington Hills, MI 48331

A notification was received for the relocation of a branch office, as follows:

From:  1561 E. Orangethorpe, Suite 100, Fullerton, CA 92831
To:  1561 E. Orangethorpe, Suite 130, Fullerton, CA 92831

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.

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January 12, 2021 (SF-LFS)
INNOVATIVE FUNDING SERVICES, L.L.C.
1706 E. New Hope Drive, Suite A, Leander, Texas 78641

Application received for a change of control whereby Innovative Funding Services Corporation will acquire 100% of Innovative Funding Services, L.L.C.

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.

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January 13, 2021 (SL-CEU)
MERATAS, INC.
317 West Avenue, Stamford, CT 06902

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.

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January 13, 2022 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish two electronic facilities (automated teller machines) at Rutter's Farm Store #95, 1390 Hedgesville Road, Martinsburg, Berkeley County, WV 25403, received.

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

January 6, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
265A W. 231 St., Bronx, NY 10463

January 11, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
32 Office Park Road, Suite 120, Hilton Head Island, SC 29928

January 12, 2022 (MB-MBD)
Full Service Branch
Contour Mortgage Corporation
116 West Main Street, Suite 116N, Babylon, NY 11702

January 12, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
91 Main Street, Dobbs Ferry, NY 10522

January 12, 2022 (MB-MBD)
Full Service Branch
Allied Mortgage Group, Inc.
560 West 3rd Street, Suite 9, Jamestown, NY 14701

January 12, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
218 1st Street East, Suite B, Jordan, MN 55352

January 12, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
963 Ann Arbor Trail, Suite 12, Plymouth, MI 48170

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

January 12, 2022 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
4502 13 Avenue, Suite 207, Brooklyn, NY 11219

January 12, 2022 (BR-MBD)
Full Service Branch
CGAP, Inc. D/B/A MortgageDepot
217-14 Northern Blvd., Unit 205, Bayside, NY 11361

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

January 11, 2022 (MB-MBD)
Applicant(s)
American Advisors Group Holdings Inc.
Reza Jahangiri
To acquire interest in:
American Advisors Group D/B/A AAG
18200 Von Karman Avenue, Suite 300, Irvine, CA 92612

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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.

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SECTION II

January 5, 2022 (PF-LFS)
ALL ISLAND CREDIT CORP.
80 Skyline Drive, Suite 100, Plainview, NY 11803

The license to engage in business as a premium finance agency at the following locations has been surrendered:

80 Skyline Drive, Suite 100, Plainview, NY 11803

Effective October 22, 2021, All Island Credit Corp. is no longer authorized to conduct premium finance business in the State of New York.

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January 10, 2022 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notification received, in accordance with Supervisory Policy G 8, of the closing of representative office at the 107 Audubon Road, Wakefield, Middlesex County, Massachusetts 01880, on September 30, 2021.

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January 12, 2022 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Authorization to transact the business of Private Bankers issued, effective January 12, 2022.

GENERAL PARTNERS/CLASS 1 LIMITED PARTNERS

CLASS 2 LIMITED PARTNERS

Permanent capital: $800,000,000.

(These Private Bankers are already under the supervision of the Department.  New Certificate issued by reason of the death of Carl S. Cutler, a Class 2 Limited Partner.)

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January 12, 2022 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

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Certificate of Authorization issued February 4, 2021, to transact the business of Private Bankers revoked, effective January 12, 2022.

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

January 11, 2022 (MB-MBD)
Guaranteed Rate, Inc.
825 Wayzata Blvd. East, #100, Wayzata, MN 55391
Effective Date: December 17, 2021

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

January 7, 2022 (BR-MBD)
J.E.B. Funding, Inc.  D/B/A H.B. & O. Funding Company
1127 Wehrle Drive, Office #3, Williamsville, NY 14221
Effective Date: December 20, 2021

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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
January 7, 2022	146892	Thomas M. Colucci	Wayne	New Jersey
January 7, 2022	1971436	Maxwell Thomas Garrity	Westlake	Ohio
January 7, 2022	2076144	LaToya Rena Benjamin	McKinney	Texas
January 7, 2022	2222968	Martin Edward Herman	Phoenix	Arizona
January 7, 2022	2225736	Patrick McCook	Los Angeles	California
January 10, 2022	1233522	Armik Bagramyan	Clovis	California

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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
January 3, 2022	9788	Julie C. Bolshakov	Mount Pleasant	South Carolina	Family First Funding LLC
January 3, 2022	28780	Craig William Barber	Wellesley	Massachusetts	Fairway Independent Mortgage Corporation
January 3, 2022	61411	Terrence Montierus Jones	New Rochelle	New York	CrossCountry Mortgage, LLC
January 3, 2022	67715	Joseph M. Horton	East Islip	New York	Intercontinental Capital Group, Inc.
January 3, 2022	97836	Donald Alan Jacobus	Twinsburg	Ohio	CrossCountry Mortgage, LLC
January 3, 2022	178284	Robert J. McKeon	Gilbertsville	Pennsylvania	Arc Home LLC
January 3, 2022	271545	Sergio Hidalgo	Closter	New Jersey	CrossCountry Mortgage, LLC
January 3, 2022	309827	Ruben Izgelov	Fresh Meadows	New York	FM Home Loans, LLC
January 3, 2022	342023	Michael William Johnson	East Rockaway	New York	Intercontinental Capital Group, Inc.
January 3, 2022	404020	Juan De Dios Torres	Teaneck	New Jersey	American Financial Network, Inc.
January 3, 2022	515006	Derek Louis Sausa	Midland Park	New Jersey	CrossCountry Mortgage, LLC
January 3, 2022	726537	Maxwell A. Rosa	East Meadow	New York	CrossCountry Mortgage, LLC
January 3, 2022	824368	Jeffrey Conrad Wilson	Costa Mesa	California	CrossCountry Mortgage, LLC
January 3, 2022	828980	Robert J. Wesolowski	Tampa	Florida	American Advisors Group, Inc.
January 3, 2022	914241	Hilda Elsa Paradas	Orlando	Florida	American Financial Network, Inc.
January 3, 2022	1215870	Cynthia Rosemary Serna	Tustin	California	Broker Solutions, Inc.
January 3, 2022	1273903	Matthew Allocca	Douglaston	New York	Advisors Mortgage Group, L.L.C.
January 3, 2022	1295354	Heather Galarneau	Saratoga Springs	New York	Fairway Independent Mortgage Corporation
January 3, 2022	1300776	Christina A. Melo	Clifton	New Jersey	American Financial Network, Inc.
January 3, 2022	1313563	Craig Adam Gardner	Centennial	Colorado	American Financing Corporation
January 3, 2022	1313948	Harvey Jason Segal	Hollywood	Florida	Hypotec Inc.
January 3, 2022	1341416	Justin J. Nalven	Manalapan	New Jersey	CrossCountry Mortgage, LLC
January 3, 2022	1440026	Steven J. Levy	Passaic	New Jersey	FM Home Loans, LLC
January 3, 2022	1484640	Royce T. Mathew	Coral Springs	Florida	East Coast Capital Corp.
January 3, 2022	1512806	Michael Angelo Di Paterio	Cortlandt Manor	New York	A.S.A.P. Mortgage Corp.
January 3, 2022	1543634	Gedalya Silberberg	Monsey	New York	All County Capital Corp.
January 3, 2022	1636985	Brie Ann Crooks	Middlesex	New York	1st Priority Mortgage, Inc.
January 3, 2022	1646317	William Lee Tucker	Bayport	New York	Contour Mortgage Corporation
January 3, 2022	1655408	Joey J. Cruz	Freeport	New York	Intercontinental Capital Group, Inc.
January 3, 2022	1669550	Agustin A. Jimenez	Belleville	New Jersey	A-M-S Mortgage Services, Inc.
January 3, 2022	1692468	Ed Smith	Plainville	Connecticut	Allied Mortgage Group, Inc.
January 3, 2022	1729328	Kerry Marie Kuber	Lake Hiawatha	New Jersey	Family First Funding LLC
January 3, 2022	1830368	Elisa Mariluz Estrella Tavarez	Paterson	New Jersey	First Alliance Home Mortgage, LLC
January 3, 2022	1839702	Arik Moreno	San Diego	California	Freedom Mortgage Corporation
January 3, 2022	1916852	Aron Waldman	Brooklyn	New York	Capital M Inc.
January 3, 2022	1936407	Tyler Adam Zuppa	West Orange	New Jersey	Caliber Home Loans, Inc.
January 3, 2022	1949556	Sabina Klimentos	Clifton	New Jersey	Funding Resources Mortgage Corporation
January 3, 2022	1965463	Rajat Singh	East Meadow	New York	Absolute Home Mortgage Corporation
January 3, 2022	1985048	Charles Myron Daher	South Euclid	Ohio	CrossCountry Mortgage, LLC
January 3, 2022	1993743	Zelig Tabak	Monroe	New York	Astar Home Capital Inc
January 3, 2022	1998000	Emily Caroline Griffith	Centennial	Colorado	American Financing Corporation
January 3, 2022	2012649	Madeline Fernandez	Paterson	New Jersey	Fairway Independent Mortgage Corporation
January 3, 2022	2018944	Andrew John Ferrante	Smithtown	New York	Cardinal Financial Company, LP
January 3, 2022	2022467	Ian James Buff	Kings Park	New York	Better Mortgage Corporation
January 3, 2022	2035364	Melanie Patricia Intriago Sedgwick	Westwood	New Jersey	Better Mortgage Corporation
January 3, 2022	2035402	Jane Randolph Lyle	New York	New York	Better Mortgage Corporation
January 3, 2022	2036055	Nadia Bamba	Brooklyn	New York	Better Mortgage Corporation
January 3, 2022	2036084	Darren Dara Zarandi	New York	New York	Better Mortgage Corporation
January 3, 2022	2045631	Joseph John Scarallo	Lake Grove	New York	All Island Mortgage & Funding Corp.
January 3, 2022	2047422	Nicholas Joseph Favarulo	Smithtown	New York	Intercontinental Capital Group, Inc.
January 3, 2022	2049558	Julia Maria Luz	New York	New York	Better Mortgage Corporation
January 3, 2022	2068532	Matthew Martin Schreck	Saint James	New York	CrossCountry Mortgage, LLC
January 3, 2022	2085938	Allyson H. Leibowitz	Cherry Hill	New Jersey	7th Level Mortgage LLC
January 3, 2022	2091023	Daniel Steinberg	Bronx	New York	David J. Steinberg dba Summit Funding
January 3, 2022	2091947	Christopher Ryan Powers	Miller Place	New York	Contour Mortgage Corporation
January 3, 2022	2099664	Katelynn Lee Kipp	Leeds	New York	Guaranteed Rate, Inc.
January 3, 2022	2111466	Thomas Donofrio	Depew	New York	Intercontinental Capital Group, Inc.
January 3, 2022	2115293	Edison R. Estrella	Woodhaven	New York	Contour Mortgage Corporation
January 3, 2022	2115917	Jacob Elliot Terzi	Brooklyn	New York	FM Home Loans, LLC
January 3, 2022	2117820	Yangmiao Li	Hasbrouck Heights	New Jersey	Canyon Mortgage Corp.
January 3, 2022	2119949	Michael Vincent DeLissio	New York	New York	Better Mortgage Corporation
January 3, 2022	2123098	Jennifer Hecker	Deltona	Florida	Digital Risk Mortgage Services, LLC
January 3, 2022	2124840	Downan William Mitchell	Rosedale	New York	Blair Services of America Inc.
January 3, 2022	2127193	John Thomas Seybold	Mantua	New Jersey	Freedom Mortgage Corporation
January 3, 2022	2136522	Warren Carl Ballam	New York	New York	Better Mortgage Corporation
January 3, 2022	2136531	Marley Jane Bratman	New York	New York	Better Mortgage Corporation
January 3, 2022	2140267	Jason Arena	Stamford	Connecticut	Contour Mortgage Corporation
January 3, 2022	2142337	Peter A. Boudouvas	Syosset	New York	Intercontinental Capital Group, Inc.
January 3, 2022	2142763	Joe Kevin Lafleur	Baldwin	New York	Cliffco, Inc.
January 3, 2022	2150744	Amber N. Nichols	Rochester	New York	Fairway Independent Mortgage Corporation
January 3, 2022	2153086	David Martin Todd	New Paltz	New York	Guaranteed Rate, Inc.
January 3, 2022	2154098	Sam Gabriel Greene	Knoxville	Tennessee	21st Mortgage Corporation
January 3, 2022	2160896	Deneilla Simone Bland	Smithtown	New York	Contour Mortgage Corporation
January 3, 2022	2164065	Megan L. Winsett	Voorhees	New Jersey	Arc Home LLC
January 3, 2022	2168448	Meredith J. Weiss	Nanuet	New York	Cliffco, Inc.
January 3, 2022	2170463	Allyson Marie Golden	New City	New York	Guaranteed Rate, Inc.
January 3, 2022	2173080	Manuel A. Sanchez	Little Ferry	New Jersey	American Financial Network, Inc.
January 3, 2022	2176909	Ariana Solis	Bronx	New York	Cardinal Financial Company, LP
January 3, 2022	2184530	Ronen Eitan	Bayside	New York	Go Rascal Inc.
January 3, 2022	2234597	John Armanious	Brooklyn	New York	Intercontinental Capital Group, Inc.
January 7, 2022	7167	Kenneth Fergus Gunther	Belmar	New Jersey	NJ Lenders Corp.
January 7, 2022	10285	W. Paul Ueckert	El Dorado Hills	California	Sierra Pacific Mortgage Company, Inc.
January 7, 2022	65448	Steven L. Koerner	Northport	New York	Russell Capital Group LLC
January 7, 2022	83327	David Samuels Stone	Hobe Sound	Florida	Oceanside Mortgage Company
January 7, 2022	167031	Jose A. Gonzalez	Middletown	Connecticut	Total Mortgage Services, LLC
January 7, 2022	185966	Robbie Pittelman	Kingston	New York	PrimeLending, A PlainsCapital Company
January 7, 2022	210452	Christina Santiago	Copley	Ohio	Reliance First Capital, LLC
January 7, 2022	373457	Caleb John Mittelstet	Southlake	Texas	Planet Home Lending, LLC
January 7, 2022	481576	Jerry A. Szymanski	East Amherst	New York	Premium Mortgage Corp.
January 7, 2022	1448310	Alexander J. Flor	West Babylon	New York	United Mortgage Corp.
January 7, 2022	1465931	Tammy Jo Blakey	Deerfield Beach	Florida	PHH Mortgage Corporation
January 7, 2022	1519103	Tejaswini Kiran Pharande	Monroe Township	New Jersey	PHH Mortgage Corporation
January 7, 2022	1560900	Natalie De Souza	Brooklyn	New York	United Mortgage Corp.
January 7, 2022	1689342	Stephen Glenn Porter	Hanover	Maryland	NewRez LLC
January 7, 2022	1790041	Zalmen Friedman	Monroe	New York	The Mint Capital Inc.
January 7, 2022	1838015	Joseph Dominic Morrone	Staten Island	New York	Think One Mortgage Inc.
January 7, 2022	1839934	Moksud A. Mohammed	Ozone Park	New York	RealFi Home Funding Corp.
January 7, 2022	1863646	Brian Timothy Hasbrouck	Greenvale	New York	Reliant Home Funding, Inc.
January 7, 2022	1935487	Regine Elizabeth Wasserman	Brooklyn	New York	RoundPoint Mortgage Servicing Corporation
January 7, 2022	1989107	Matthew K. Miller	Lackawanna	New York	Nickel City Funding, Inc.
January 7, 2022	2011272	Luke Ciccarello	New Canaan	Connecticut	RFA Capital Corp.
January 7, 2022	2028099	Syed Mohiuddin	Queens Village	New York	R & J Capital Group, LLC
January 7, 2022	2035658	Andrew S. Boico	Port Washington	New York	Reliance First Capital, LLC
January 7, 2022	2071919	William Owen Gauthier	Arlington	Virginia	NJ Lenders Corp.
January 7, 2022	2080530	Michael Ng	Westbury	New York	United Mortgage Corp.
January 7, 2022	2091454	Christina Elena Hallac	Forest Hills	New York	RealFi Home Funding Corp.
January 7, 2022	2102571	Anthony Ray Howard	Silver Springs	Maryland	NewRez LLC
January 7, 2022	2110218	Khadijah Muwwakkil	Valley Stream	New York	United Mortgage Corp.
January 7, 2022	2114671	Sion Semah	Lakewood	New Jersey	The Mint Capital Inc.
January 7, 2022	2125447	Federico Montomoli	Long Island City	New York	Quik Fund, Inc.
January 7, 2022	2137178	Yoily Gross	Brooklyn	New York	The Mint Capital Inc.
January 7, 2022	2155101	Michael A. Duran	Corona	New York	RoundPoint Mortgage Servicing Corporation
January 7, 2022	2161040	Debomita Pola Das	Albertson	New York	Progress Funding Inc.
January 7, 2022	2166562	Brian George Shahwan	Hoboken	New Jersey	William Raveis Mortgage, LLC
January 7, 2022	2173565	Keara Mooney	Westbury	New York	Russell Capital Group LLC
January 7, 2022	2178118	Tayten Jorel Aldridge	Bensalem	Pennsylvania	PHH Mortgage Corporation
January 7, 2022	2232295	Michael Homer Stidham	Redford	Michigan	One Reverse Mortgage, LLC
January 11, 2022	1720217	Derek James Martin	Peoria	Arizona	Rocket Mortgage, LLC
January 11, 2022	1763598	Brendan Eric Rohlfs	Royal Oak	Michigan	Rocket Mortgage, LLC
January 11, 2022	1784019	Eric Scott Marsee	Sterling Heights	Michigan	Rocket Mortgage, LLC
January 11, 2022	1813504	Isabel Virginia Ford	Phoenix	Arizona	Rocket Mortgage, LLC
January 11, 2022	1835414	Shelby Anna Shuck	Scottsdale	Arizona	Rocket Mortgage, LLC
January 11, 2022	1866949	Matthew Anthony Quickel	Avon	Ohio	Rocket Mortgage, LLC
January 11, 2022	1916494	Alexander James Veras	Brecksville	Ohio	Rocket Mortgage, LLC
January 11, 2022	1930980	Esteban Galvan	Avondale	Arizona	Rocket Mortgage, LLC
January 11, 2022	1940763	Aaron Joseph Schmitt	Macedonia	Ohio	Rocket Mortgage, LLC
January 11, 2022	1941800	Katherine Marie White	Strongsville	Ohio	Rocket Mortgage, LLC
January 11, 2022	1957410	Ashtyn Ann Trombly	New Baltimore	Michigan	Rocket Mortgage, LLC
January 11, 2022	1957934	Michael Paul Pecora	Scottsdale	Arizona	Rocket Mortgage, LLC
January 11, 2022	1957965	Vincent Manuel Vasquez	Phoenix	Arizona	Rocket Mortgage, LLC
January 11, 2022	1970732	Tarik Shaquile-Michael Tabb	Detroit	Michigan	Rocket Mortgage, LLC
January 11, 2022	1971384	Eric Vonn Speigner	Cleveland	Ohio	Rocket Mortgage, LLC
January 11, 2022	1971392	John Thomas Bugaj	Cleveland	Ohio	Rocket Mortgage, LLC
January 11, 2022	1971431	Mark Anthony Nara	Cleveland	Ohio	Rocket Mortgage, LLC
January 11, 2022	2091311	Christopher Michael Burkett	Akron	Ohio	Rocket Mortgage, LLC
January 11, 2022	2125491	Bethany Alexandra Baxter	Scottsdale	Arizona	Rocket Mortgage, LLC
January 11, 2022	2142357	Kiana Nicole Hocevar-Collins	Phoenix	Arizona	Rocket Mortgage, LLC
January 11, 2022	2181752	Pavan Kaur Rai	Ferndale	Michigan	Rocket Mortgage, LLC
January 12, 2022	50574	Peter Guido Muratore	Hauppauge	New York	Silver Lining Funding Inc.