Weekly Banking Bulletin

April 1, 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

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SECTION I

March 29, 2022 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N THE CHECK CASHING PLACE U/A/N COMMUNITY FINANCIAL SERVICE CENTER 
10 Elizabeth Street, Suite 201, River Edge, NJ 07661

An application was received to open a new branch at 5625 Broadway, Bronx, NY 10463

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.

Any comments or objections should be submitted in writing, within ten business days, by April 15, 2022.

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March 30, 2022 (SF-LFS)
AMERICAN ENTERPRISES INTERNATIONAL, INC.
W 129 N11040 Washington Drive, Germantown, WI 53022

Application received for a license to engage in business as a sales 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.

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March 30, 2022 (CU-CRB)
NORTHERN CREDIT UNION
120 Factory Street, Watertown, NY 13601
COUNTRYSIDE FEDERAL CREDIT UNION (MI-CRB)
5720 Commons Park Drive, East Syracuse, NY 13057

Bulletin item dated March 3, 2022, which appeared in Weekly Bulletin dated March 11, 2022, advising of the receipt of the applications for the conversion of Countryside Federal Credit Union to a New York state-chartered credit union under the name of Countryside Credit Union pursuant to Section 486 of the Banking Law, and for the subsequent merger of Countryside Credit Union with and into Northern Credit Union pursuant to Section 601 of the Banking Law, under the name of Northern Credit Union, is amended to read as follows: 

Applications for the conversion of Countryside Federal Credit Union to a New York state-chartered credit union under the name of Countryside Credit Union pursuant to Section 486 of the Banking Law, and for the subsequent merger of Countryside Credit Union with and into Northern Credit Union pursuant to Section 601 of the Banking Law, under the name of Northern Credit Union, received.   After the proposed merger, Northern Credit Union intends to operate the locations acquired from Countryside Credit Union under the name - Countryside Credit Union, a division of Northern Credit Union.

The comment period on these applications will expire on April 11, 2022.

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March 30, 2022 (BK-CRB)
ALMA BANK
28-39 31st Street, Astoria, NY 11102

Notice of intention to close branch office at 213-11 Northern Boulevard, Bayside, Borough of Queens, City of New York 11361, received.

The comment period on this notice will expire May 2, 2022.

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

March 24, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
65 Madison Avenue, Suite 210, Morristown, NJ 07960

March 24, 2022 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
1420 Kettner Blvd., Suite 112, San Diego, CA 92101

March 24, 2022 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
117 Washington St., Suite 300, Hoboken, NJ 07030

March 24, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
1173 Pittsford-Victor Road, Suite 155, Pittsford, NY 14534

March 25, 2022 (MB-MBD)
Full Service Branch
Embrace Home Loans, Inc.
1055 Franklin Avenue, Suite 304, Garden City, NY 11530

March 25, 2022 (MB-MBD)
Full Service Branch
Total Mortgage Services, LLC
224 Datura Street, Suite 1310, West Palm Beach, FL 33401

March 25, 2022 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
700 Military Cutoff Rd., Suite 201, Wilmington, NC 28405

March 25, 2022 (MB-MBD)
Full Service Branch
East Coast Capital Corp.
1009 North Olden Avenue, Trenton, NJ 08638

March 25, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
123 S Cayuga Street, Suite 406, Ithaca, NY 14850

March 25, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
188 Kings Highway, 2nd Floor 2D, Middletown, NJ 07748

March 25, 2022 (MB-MBD)
Full Service Branch
Carrington Mortgage Services, LLC
25 Enterprise Drive, Suite 500, Aliso Viejo, CA 92656

March 29, 2022 (MB-MBD)
Full Service Branch
Finance of America Mortgage LLC
100 Main Street, Suite 301, Safety Harbor, FL 34695

March 30, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
9 Payson Rd, Suite 235, Foxborough, MA 02035

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

March 30, 2022 (BR-MBD)
Full Service Branch
Jennings Realty Agency Corp.
480 Mamaroneck Avenue, Harrison, NY 10528

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Mortgage Broker Certificate Name Change Received:

March 30, 2022 (BR-MBD)
From: Julie Kim Corp
To: Julie Kim Corp D/B/A JK Mortgage

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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.

Date of Application	NMLS #	Applicant Name	City	State
January 17, 2021	2030358	Sean William Griffin	Brooklyn	New York
September 10, 2021	1459538	Matthew David Moorman	Charlotte	North Carolina
December 20, 2021	628392	Charles F. Woehr	Massapequa	New York
December 22, 2021	2148664	Shaun McGee	Queens Village	New York
January 31, 2022	2247323	Mike Miguel Marte	New York	New York
February 8, 2022	36016	Mirachelle D. Alvarez	Fair Lawn	New Jersey
February 9, 2022	273093	Donald B. Holmes	Jamison	Pennsylvania
February 10, 2022	2179290	Marc Marini	Long Beach	California
February 14, 2022	2242933	Jiawei Mao	New York	New York
February 21, 2022	54526	Christopher Michael Berti	Albany	New York
February 21, 2022	2136905	Aaron Simon	Monroe	New York
February 23, 2022	2136999	Hannah Goldring	New York	New York
February 24, 2022	2011210	Travis Alan Yates	Sewell	New Jersey
March 4, 2022	806490	Richard Allen Ward	Colorado Springs	Colorado
March 4, 2022	1837662	Colee Royce Magett	Chicago	Illinois
March 4, 2022	2241289	Amit Dhawan	Great Neck	New York
March 4, 2022	2279385	Tony Raymond Apperson	Dearborn	Michigan
March 8, 2022	1458561	Richard John Martin	Carlsbad	California
March 8, 2022	2101504	Brandon Jeremy Le	Fullerton	California
March 8, 2022	2248515	Michelle Lauren Kandilian	Huntington Beach	California
March 9, 2022	224365	Thomas S. Fishwick	Glencoe	Illinois
March 10, 2022	1709099	Anthony G. Drewery	Fort Lee	New Jersey
March 11, 2022	2022913	Celleena Al-Salim	North Bellmore	New York
March 11, 2022	2114488	James Edward Lamberti	Breckenridge	Colorado
March 11, 2022	2163884	Joshua Andrew Keebler	South Park	Pennsylvania
March 14, 2022	72969	Kristin Lynn Nimmo	Tonawanda	New York
March 14, 2022	918245	Victor Feliciano	Port Jefferson Station	New York
March 15, 2022	2227638	Grey Smith	Seaford	New York
March 16, 2022	1751875	Ashley Nicole Ortkras	Detroit	Michigan
March 16, 2022	1794349	Allison Catherine Arthur	Dearborn	Michigan
March 16, 2022	1889827	Kyle Richard Clemons	Howell	Michigan
March 16, 2022	2022726	Scott Matthew Gwisdalla	Royal Oak	Michigan
March 16, 2022	2057194	Gamal Moahmed Alsaadi	Brooklyn	New York
March 16, 2022	2127213	Farouk Ibrahim Barakat	Canton	Michigan
March 16, 2022	2227640	Braden Michael Walter	Novi	Michigan
March 16, 2022	2258631	Matthew Paul Bahri	West Bloomfield	Michigan
March 17, 2022	278378	Ivan J. Rodriguez	Philadelphia	Pennsylvania
March 17, 2022	2181873	Alexandria Rose Parnell	Taylor	Michigan
March 18, 2022	938315	Jasmine Janine Asbell Johnson	Macomb	Michigan
March 18, 2022	1230981	Brady Glenn Williams	Charlotte	North Carolina
March 18, 2022	1409557	Charles John Horka	Canton	Michigan
March 18, 2022	1654710	Rodney Andrew Holmes	Detroit	Michigan
March 18, 2022	1675040	Troy Joseph Thomas	Rochester	Michigan
March 18, 2022	1698942	Clarence Armad Norfleet	Farmington Hills	Michigan
March 18, 2022	1719758	Catherine Marie Fitall	Royal Oak	Michigan
March 18, 2022	1795273	Sarah Marie Case	Livonia	Michigan
March 18, 2022	1866646	Kyle John William Hartford	Ferndale	Michigan
March 18, 2022	1877502	Matthew Thomas Anthony	Bay Village	Ohio
March 18, 2022	1901825	Mo Hammoud	Dearborn Heights	Michigan
March 18, 2022	1916596	Mohamad Harb	Dearborn Heights	Michigan
March 18, 2022	1931119	Darryl Allen Groce	Detroit	Michigan
March 18, 2022	1957310	Gabriella Rose Kolioupoulos	New Baltimore	Michigan
March 18, 2022	1971857	Raymond Reggie Abbo	Sterling Heights	Michigan
March 18, 2022	2001381	Meghan Barbara Ligon	Beverly Hills	Michigan
March 18, 2022	2007247	Brian Anthony Lange	Trenton	Michigan
March 18, 2022	2022642	Jawad M. Ghasham	Dearborn Heights	Michigan
March 18, 2022	2022662	Christopher Clayton Gastmeier	Harrison Township	Michigan
March 18, 2022	2039172	Julie Ann Wyckhuyse	Rochester Hills	Michigan
March 18, 2022	2071447	Carson Anthony Korejwo	Rochester	Michigan
March 18, 2022	2071517	Charles Erwin Wilson	Beverly Hills	Michigan
March 18, 2022	2087145	Samantha Marie Paul	Royal Oak	Michigan
March 18, 2022	2087170	Jacob Robert Leone	Chesterfield	Michigan
March 18, 2022	2088670	Farzana Masud Surati	Lake Orion	Michigan
March 18, 2022	2089330	Malik Dila Mathis	Wayne	Michigan
March 18, 2022	2107560	Brandon William Thompson	Sterling Heights	Michigan
March 18, 2022	2107631	Jillian Christine Voden	Trenton	Michigan
March 18, 2022	2107691	Khaled Jamal Al Samhouri	Dearborn	Michigan
March 18, 2022	2123587	Reshyna Fukayne Riley	Westland	Michigan
March 18, 2022	2125036	Erika Leigh Andres	Holly	Michigan
March 18, 2022	2181509	Silda Mucollari	Canton	Michigan
March 18, 2022	2182004	Yousif Khairi Alton	Sterling Heights	Michigan
March 18, 2022	2238188	Troy Cortez Mobley	Detroit	Michigan
March 18, 2022	2258628	Wissem Ahmad	Canton	Michigan
March 18, 2022	2263112	William Joshua Keen	Ray Township	Michigan
March 18, 2022	2278203	Dawson Ryan Sales	Grosse Pointe Farms	Michigan
March 18, 2022	2278891	Matthew Mukhlis Sitto	Sterling Heights	Michigan
March 18, 2022	2279737	Mohamad Samir Fadlallah	Dearborn	Michigan
March 18, 2022	2279753	Zaid Raad Al-Faham	Dearborn	Michigan
March 18, 2022	2303207	Mehdi Mohamad-Jawad Jawad	Dearborn	Michigan
March 18, 2022	2303421	Richard Szatanski	Brownstown	Michigan
March 18, 2022	2304008	Trevor Martin Tischbein	Clinton Township	Michigan
March 21, 2022	1524335	Hussein Mazraani	Dearborn	Michigan
March 21, 2022	1698304	Ronald Edward Thomas	Monroe	Michigan
March 21, 2022	1772456	Holly Ann Fachou	Sterling Heights	Michigan
March 21, 2022	2038948	Jeffrey Kent Osterman	Hazel Park	Michigan
March 21, 2022	2269703	Sandy Francois	Fort Lauderdale	Florida
March 22, 2022	1824409	Michael Jacob Hall	Painesville	Ohio
March 22, 2022	2007886	Andrew Seth Garson	Cleveland	Ohio
March 22, 2022	2056813	Daniel Abraham Levine	Shaker Heights	Ohio
March 22, 2022	2057429	Sarah Margaret Yurkiewicz	Avon	Ohio
March 22, 2022	2071606	Deshaun Anthony Kelley	St. Clair	Michigan
March 22, 2022	2126530	Victoria Ellise Turnbough	Cleveland	Ohio
March 22, 2022	2304011	Corey Gavin Forsberg	Hauppauge	New York
March 24, 2022	2035901	Avraham Goldhirsch	Spring Valley	New York

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SECTION II

March 23, 2022 (IC-FWB)
WESTERN UNION FINANCIAL HOLDINGS, LLC
199 Water Street, New York, NY 10038

Application, pursuant to Section 605.8 of the Banking Law, to permit Western Union Financial Holdings, LLC to sell or convey more than 50% of its assets and continue its operations and corporate existence, approved.

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March 28, 2022 (BK-CRB)
EMPIRE STATE BANK
2122 Hylan Boulevard, Staten Island, NY 10305

Application, pursuant to Section 337 of the Banking Law, to sell to Wallkill Valley Federal Savings and Loan Association, Wallkill New York, the safe deposit business conducted at 68 North Plank Road, Newburgh, Orange County, New York 12550, approved by the Superintendent of Financial Services, effective March 24, 2022.

(Wallkill Valley Federal Savings and Loan Association is to acquire the applicant's branch office at the above location.)

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March 30, 2022 (MI-CRB)

CATHAY BANK
777 North Broadway, Los Angeles, CA 90012

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 16-18 East Broadway, Borough of Manhattan, City of New York 10002, will not result in a significant reduction of financial services in the community to be affected.

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March 31, 2022 (SB-CRB)
NEW YORK COMMUNITY BANK
102 Duffy Avenue, Hicksville, NY 11801

Notice of intention dated March 11, 2022 to close branch office at Stop & Shop Supermarket, 92-10 Atlantic Avenue, Ozone Park, Borough of Queens, City of New York 11416, withdrawn.

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

March 30, 2022 (MB-MBD)
Full Service Branch
PHH Mortgage Corporation   D/B/As:
Instamortgage.com
Liberty Reverse Mortgage
Mortgagesave.com
PHH Mortgage Services
14405 Walters Road, Suites 300-400, Houston, TX 77014

March 30, 2022 (MB-MBD)
Full Service Branch
SoFi Lending Corp.
5335 Gate Parkway, Suite 500, Jacksonville, FL 32256

March 30, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC   D/B/As:
LDWholesale
loanDepot
2901 Southwest 149th Avenue, Suite 100, Miramar, FL 33027

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

March 30, 2022 (BR-MBD)
Full Service Branch
CGAP, Inc.   D/B/A MortgageDepot
164-05 Hillside Avenue, 2nd Floor, Jamaica, NY 11432

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

March 24, 2022 (MB-MBD)
Guaranteed Rate, Inc.
451 N Racine Ave., Suite 201, Chicago, IL 60642
Effective Date: March 23, 2022

March 24, 2022 (MB-MBD)
GR Affinity, LLC in lieu of Guaranteed Rate Affinity, LLC
2017 W Irving Park Road, Suite 2R, Chicago, IL 60618
Effective Date: March 23, 2022

March 30, 2022 (MB-MBD)
Advisors Mortgage Group, L.L.C.  D/B/A Fix-It Renovation Lending
1045 Route 109, Suite 104, Lindenhurst, NY 11757
Effective Date: March 18, 2022

March 30, 2022 (MB-MBD)
Advisors Mortgage Group, L.L.C.  D/B/A Fix-It Renovation Lending
2051 Saranac Avenue, Unit 201, Lake Placid, NY 12946
Effective Date: March 18, 2022

March 30, 2022 (MB-MBD)
Homebridge Financial Services, Inc.  D/B/A Menlo Park Funding
152 Madison Avenue, 23rd Floor, New York, NY 10016
Effective Date: March 25, 2022

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Mortgage Broker Certificate Address Changes:

March 30, 2022 (BR-MBD)
Swift Mortgage Inc.
From: 2870 Hempstead Tpke., Suite 202B, Levittown, NY 11756
To: 395 Central Avenue, Suite 200, Bethpage, NY 11714

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Mortgage Banker Branch License Address Changes:

March 30, 2022 (MB-MBD)
CMG Mortgage, Inc.
From: 3820 Northdale Blvd, Suite 312 B, Tampa, FL 33624
To: 4200 West Cypress Street, Building Meridian Three, Suite 490, Tampa, FL 33607

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Application to establish a Mortgage Banker's Branch received for examination, has been withdrawn:

March 24, 2022 (MB-MBD)
Full Service Branch
American Financial Network, Inc.
15991 Redhilll Ave, #208, Tustin, CA 92780

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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
March 25, 2022	205651	Joseph Michael Pierce	Meriden	Connecticut
March 25, 2022	230779	Michael Joseph Schwartz	Barnegat	New Jersey
March 25, 2022	1519959	Jasvant Jeremy Varma	Fullerton	California
March 25, 2022	2056709	William Joshua Raymond Leathersich	Spencerport	New York