Weekly Banking Bulletin

May 6, 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

April 28, 2022 (SF-LFS)
TAMMAC HOLDINGS CORPORATION
613 Baltimore Drive, Suite 1, Wilkes Barre, Pennsylvania 18702  

Application was received for a license to operate a branch office at 613 Baltimore Drive, Suite 1, Wilkes Barre, Pennsylvania 18702.

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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April 29, 2022 (TR-CRB)
TOMPKINS COMMUNITY BANK
118 East Seneca Street, Ithaca, NY 14850

Notice of intention to close branch office at 179 Sully’s Trail, Town of Perinton, Monroe County, New York 14534, received.

The comment period on this notice will expire June 6, 2022.

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May 5, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Application dated May 5, 2022, for permission to open and occupy a branch office at 1421-1425 Sheepshead Bay Road, Borough of Brooklyn, City of New York 11235, received.

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

May 4, 2022 (BR-MBD)
Applicant(s)
Shmiel A Elbaum
As: ELQUITY Inc.
8 Dorset Road, unit 202, Spring Valley, NY 10977

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

April 28, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
129 Wallins Corners Road, Amsterdam, NY 12010

April 28, 2022 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
1523 Hendry Street, Fort Myers, FL 33901

April 28, 2022 (MB-MBD)
Full Service Branch
Absolute Home Mortgage Corporation D/B/A
Crown Home Mortgage
406 Broad Street, Suite 1C, Milford, PA 18337

April 28, 2022 (MB-MBD)
Full Service Branch
Reliance First Capital, LLC
100 Paramount Drive, Suite 205, Sarasota, FL 34232

April 28, 2022 (MB-MBD)
Full Service Branch
Jet Direct Funding Corp.  D/B/A
Jet Direct Mortgage
Senior Reverse Network
164-19 Hillside Avenue, Ste 1, Jamaica Hills, NY 11432

April 29, 2022 (MB-MBD)
Full Service Branch
American Neighborhood Mortgage Acceptance Company LLC D/B/A
AnnieMac Home Mortgage
LOFIDIRECT
306 South New Street, Office 212, Bethlehem, PA 18015

May 2, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
8 Essex Center Drive, Suite 305, Peabody, MA 01960

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

May 2, 2022 (BR-MBD)
Full Service Branch
Silver Lining Funding Inc.
145 Marcus Blvd, Suite 4, Hauppauge, NY 11788

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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.

SECTION II

April 27, 2022 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Authorization issued to open and occupy a branch office at 99 Wood Avenue South, 8th Floor, Iselin, Middlesex County, New Jersey 08830, on or after April 28, 2022.

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April 27, 2022 (CU-CRB)
CFCU COMMUNITY CREDIT UNION
1030 Craft Road, Ithaca, NY 14850

Application to amend the bylaws to expand the field of membership to include Madison and Onondaga Counties, pursuant to Section 451-a of the New York Banking Law, approved.

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May 1, 2022 (MI-CRB)
CORE FEDERAL CREDIT UNION
7200 Kirkville Road, East Syracuse, NY 13057

The “Plan of Conversion of CORE Federal Credit Union”, together with the “Organization Certificate of CORE 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 CORE Federal Credit Union from federal to state charter, pursuant to Section 486 of the New York Banking Law, under the name CORE Credit Union. The conversion became effective as of 12:00 a.m., May 1, 2022. 

In addition to the principal office noted above, the credit union maintains the following station:
651 Centerville Place, North Syracuse, NY 13212

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May 1, 2022 (CU-CRB)
CFCU COMMUNITY CREDIT UNION
1030 Craft Road, Ithaca, NY 14850
CORE CREDIT UNION
7200 Kirkville Road, East Syracuse, NY 13057

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the New York Banking Law, as of 12:01 a.m., May 1, 2022, an Agreement and Plan of Merger, dated as of September 3, 2021, and other required documents, providing for the merger of CORE Credit Union with and into CFCU Community Credit Union, under the name CFCU Community Credit Union. The following offices of CORE Credit Union have become stations of CFCU Community Credit Union:
7200 Kirkville Road, East Syracuse, NY 13057
651 Centerville Place, North Syracuse, NY 13212

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May 3, 2022 (MI-CRB)
COMMUNITY BANK SYSTEM, INC.
5790 Widewaters Parkway, DeWitt, New York 13214

COMMUNITY BANK, N.A. (MI-CRB)
45-49 Court Street, Canton, NY 13217

Applications, pursuant to Section 143-b of the Banking Law, for Community Bank N.A. to acquire control and Community Bank System, Inc. to indirectly acquire control of Elmira Savings Bank, Elmira, New York, approved.

(The control applications are necessitated by the proposed merger of  Elmira Savings Bank with and into Community Bank, N.A.)

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May 3, 2022 (SB-CRB)
ELMIRA SAVINGS BANK
333 East Water Street, Elmira, NY 14901

EAGLE INTERIM BANK, N.A. (MI-CRB) 
5790 Widewaters Parkway, DeWitt, New York 13214

Application, pursuant to Section 601-b of the Banking Law, for Eagle Interim Bank, N.A. to merge with and into Elmira Savings Bank, under the name Elmira Savings Bank, approved.

(It is anticipated that immediately following the proposed merger, Elmira Savings Bank will merge with and into Community Bank, N.A., under the name Community Bank, N.A.)

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May 4, 2022 (BK-CRB)
ALMA BANK
28-39 31st Street, Astoria, NY 11102

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 213-11 Northern Boulevard, Bayside, Borough of Queens, City of New York 11361, will not result in a significant reduction of financial services in the community to be affected.

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May 4, 2022 (MI-CRB)
EVOLVE BANK & TRUST
301 Shoppingway Boulevard, West Memphis, AR 72301

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 63 Putnam Street, Suite 202, Saratoga Springs, Saratoga County, New York 12866 to 32 Clinton Street, Saratoga Springs, Saratoga County, New York 12866, effective May 1, 2022.

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May 4, 2022 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Approval given to change the location of branch office from 9665 Wilshire Boulevard, (Suite 250), Beverly Hills, Los Angeles County, California 90212 to 9665 Wilshire Boulevard, (Suite 300), Beverly Hills, Los Angeles County, California 90212, on or after May 5, 2022. 
(This branch will offer all services provided at the existing location, with the further addition of  teller services.)

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

May 3, 2022 (MB-MBD)
Full Service Branch
Carrington Mortgage Services, LLC
800 Crescent Centre Drive, Suite 300, Franklin, TN 37067

May 3, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
2754 NW Crossing Drive, Suite 201, Bend, OR 97703

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

April 28, 2022 (MB-MBD)
Movement Mortgage, LLC
2271 Route 33, Suite 106, Hamilton, NJ 08690
Effective Date: April 18, 2022

April 28, 2022 (MB-MBD)
Movement Mortgage, LLC
484 Main Street, Suite #3, East Aurora, NY 14052
Effective Date: April 18, 2022

April 28, 2022 (MB-MBD)
Movement Mortgage, LLC
2 Speedwell Avenue, 6th Floor, Suite 630, Morristown, NJ 07960
Effective Date: April 18, 2022

May 4, 2022 (MB-MBD)
Quik Fund, Inc.
98-13 Astoria Boulevard, Second Floor, East Elmhurst, NY 11369
Effective Date: April 18, 2022

May 4, 2022 (MB-MBD)
PHMC Mortgage
469 7th Avenue, Suite 759, New York, NY 10018
Effective Date: April 18, 2022

May 4, 2022 (MB-MBD)
Guaranteed Rate, Inc.
2861 Executive Drive, Suite 100, Clearwater, FL 33762
Effective Date: April 29, 2022

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Mortgage Broker Certificate Address Changes:

May 3, 2022 (BR-MBD)
Mitchell Funding of Valley Stream, Inc.
From: 20 West Lincoln Avenue, Suite 307, Valley Stream, NY 11580
To: 17 West Oxford Street, Valley Stream, NY 11580

May 4, 2022 (BR-MBD)
Oleg Tsaryov
From: 3171 Richmond Road, 2nd Floor, Staten Island, NY 10306
To: 7255 Amboy Road, Suite A, Staten Island, NY 10307

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Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law. 

Date of Approval	NMLS #	Applicant Name	City	State	Sponsoring Entity
April 29, 2022	720802	Diana Waleska Stevens	Wellington	Florida	East Coast Capital Corp.
April 29, 2022	1073295	David Etienne	Latham	New York	Homestead Funding Corp.
April 29, 2022	1174546	Ronald Martinez	Brooklyn	New York	CrossCountry Mortgage, LLC
April 29, 2022	1648188	Kimberly Ann Kaufman	Trinity	Florida	Guaranteed Rate Affinity, LLC
April 29, 2022	1763901	Andrew James Forrestal Hamilton	Westfield	Indiana	Royal United Mortgage, LLC
April 29, 2022	1950150	Eric Bretscher	Rockville Centre	New York	Bodi Mortgage Corp.
April 29, 2022	2080977	Kristina Jackson	Garnerville	New York	Guaranteed Rate, Inc.
April 29, 2022	2109704	Kenneth Wonjo Chung	Glendale	California	loanDepot.com, LLC
April 29, 2022	2138867	Amanpreet Singh	South Richmond Hill	New York	Intercontinental Capital Group, Inc.
April 29, 2022	2170519	Eric Thomas Ross	Hillsborough	New Jersey	Heritage Mortgage Banking Corp.
April 29, 2022	2214978	Laura Nicole Clay	Santa Ana	California	loanDepot.com, LLC
April 29, 2022	2283887	Shakhsanam Gulamdunova	Brooklyn	New York	Cash 800, Inc.

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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: