Weekly Banking Bulletin

May 27, 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

March 18, 2022 (SF-LFS)
TAMMAC HOLDINGS CORPORATION
613 Baltimore Drive, Suite 1, Wilkes Barre, Pennsylvania 18702   

Notification received for a change of main address from 613 Baltimore Drive, Suite 1, Wilkes Barre, Pennsylvania 18702 to 480 Swedesford Road, Suite 200, Wayne, Pennsylvania 19087.

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.

---

March 30, 2022 (bp-LFS)
CONSUMER CREDIT COUNSELING SERVICE OF ROCHESTER, INC.
1050 University Avenue, Suite A, Rochester, NY 14607

A notification was received for the relocation of a branch office, as follows:
From:  5600 Brainerd Rd., Suite E-1, Chattanooga, TN 37411
To:  5600 Brainerd Rd., Suite C-26, Chattanooga, TN 37411

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.

---

April 4, 2022 (BP-LFS)
CONSUMER CREDIT COUNSELING SERVICE OF THE MIDWEST, INC.
690 Taylor Road, Suites 110 and 150, Gahanna, Franklin, Ohio 43230 

A notification was received for the relocation of the Headquarters office, as follows:
From:  690 Taylor Road, Suites 110 and 150, Gahanna, Ohio 43230   
To: 700 Taylor Rd., Suite 190, Gahanna, OH 43230

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.

---

May 19, 2022 (TR-CRB)
PATHFINDER BANK
214 West First Street, Oswego, NY 13126

Application dated May 19, 2022, for permission to open and occupy a branch office at 506 West Onondaga Street, Syracuse, Onondaga County, New York 13204, received.

---

May 20, 2022 (MI-CRB)
CNB BANK
1 S. Second Street, Clearfield, PA 16830

Pursuant to the provisions of Section 105-b of the Banking Law, notice to the Superintendent of Financial Services of intention to establish and maintain a trust office at 235 High Street Extension, Unit # 2, Victor, Ontario County, New York 14564, received.

---

May 23, 2022 (SB-CRB)
FULTON SAVINGS BANK
75 South First Street, Fulton, NY 13069

Notice of intention to establish an electronic facility (automated teller machine) at Byrne Dairy, Inc., 798 West Broadway, Fulton, Oswego County, New York 13069, received.

---

May 25, 2022 (MI-CRB)
WESTERN ALLIANCE BANK
1 East Washington Street, Suite 1400, Phoenix, AZ 85004

Application dated May 24, 2022, for permission to open and occupy a branch office at 477 Madison Avenue, Borough of Manhattan, City of New York 10022, received.

(The branch will provide non-cash services by appointment only. The activities of the branch office will be limited to acceptance of non-cash deposits, non-cash loan payments and advances, and corporate credit card payments; access to various deposit and lending products; treasury management services; as well as merchant credit card and corporate credit card services. No acceptance or withdrawal of cash).

---

May 26, 2022 (MI-CRB)
FIRST REPUBLIC BANK
111 Pine Street, San Francisco, CA 94111

Application dated May 25, 2022, for permission to open and occupy a branch office at 329 Tenth Avenue, Borough of Manhattan, City of New York 10001, received.

---

May 27, 2022 (TM-LFS)
NYCF MT, LLC
10 Elizabeth Street, River Edge, NJ 07661

Application received for a license to engage in business as a transmitter of money.

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:

May 24, 2022 (MB-MBD)
Full Service Branch
Premium Mortgage Corp.
3400 Monroe Ave, Building 3 Suite 110A, Rochester, NY 14618

May 25, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
10100 Santa Monica Boulevard Suite 300, Office 346, Century City, CA 90067

May 25, 2022 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
7930 W. Kenton Circle, Suite 330, Huntersville, NC 28078

May 25, 2022 (MB-MBD)
Full Service Branch
1st Priority Mortgage, Inc.
83 Main Street, Suite 101, Hornell, NY 14843

---

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
September 8, 2021	1894464	Steven Sookhai	New Rochelle	New York
February 28, 2022	2257829	John Michael Woodworth	Dallas	Texas
March 21, 2022	64154	Eugene Gabriel Shapiro	Hollywood	Florida
April 7, 2022	514026	Christopher Lee Wehler	Columbus	Ohio
April 7, 2022	2117923	Elizabeth Shardha Persaud	Long Beach	New York
April 8, 2022	6592	Joseph Kristian Veitch	Cranston	Rhode Island
April 8, 2022	2156158	Khishan Terrence Ramnarine	Valley Stream	New York
April 11, 2022	406320	John Michael Marinaro	Manalapan	New Jersey
April 12, 2022	1687923	Avery Patrick Szatanski	Saint Clair Shores	Michigan
April 21, 2022	2179212	Daquon Lamar Fuqua	Pittsburgh	Pennsylvania
April 26, 2022	9267	Sean Holden Baker	Northport	New York
April 27, 2022	2293169	Efraim Hod	Flushing	New York
April 28, 2022	2101328	Sol Meisels	Brooklyn	New York
April 29, 2022	1936455	Ratul Biswas	Bronx	New York
April 29, 2022	2252110	Sherylynne Geck	Jersey City	New Jersey
May 1, 2022	2293184	Gasly Julmisse	Jamaica	New York
May 2, 2022	2087251	Tatyana Pavlovna Gallacher	Bloomfield Hills	Michigan
May 4, 2022	556295	Melissa Reshaun Howell	Cheektowaga	New York
May 4, 2022	2181562	Blimie Schwartz	Brooklyn	New York
May 6, 2022	1663994	Jason Anthony Memmen	Chicago	Illinois
May 9, 2022	955602	Justin Davis Hominsky	Fairlawn	Ohio
May 9, 2022	1067085	German Diaz Alvarez	Corona	California
May 9, 2022	1965192	Jesse James Edwards	Columbia	Missouri
May 9, 2022	2336560	Mark Thomas Dethloff	Farmingville	New York
May 10, 2022	21878	Michael A. Brown	Wilton	Connecticut
May 10, 2022	199656	John A. Peterman	Clifton	Virginia
May 10, 2022	413819	Mario Luigi Pansino	Norwalk	Connecticut
May 10, 2022	627956	Evan P. Kinney	Columbus	Ohio
May 10, 2022	1612974	Youlanda Alishia Welch	Gilbert	Arizona
May 10, 2022	2062985	Julie Louise Lundeen	Conshohocken	Pennsylvania
May 10, 2022	2237115	Alexander Paul Nalepka	Batavia	Ohio
May 10, 2022	2268167	Andres Segura	Miami	Florida
May 11, 2022	1967732	James Joseph Robinson	Downingtown	Pennsylvania
May 11, 2022	2101194	Charmaine Spence	Brooklyn	New York
May 12, 2022	1941731	Chad Michael Even	Canton	Michigan
May 12, 2022	1952445	Bobby Jerald Jones	Waxahachie	Texas
May 12, 2022	2009533	Chase James Cullen	Northport	New York
May 12, 2022	2173998	Gabriel Corona	Schaumburg	Illinois
May 12, 2022	2274879	Denise Marie Rapaccioli	New Rochelle	New York
May 12, 2022	2333278	Austen Alexander Garrett	Argyle	Texas
May 12, 2022	2334368	Matthew Kyle Thomas	Saint Peters	Missouri
May 13, 2022	1832140	Matthew Coudon McCluskey	Frisco	Texas
May 13, 2022	2152412	Arvinder Singh Khokher	Lake Ronkonkoma	New York
May 13, 2022	2337403	John William Bain	Frisco	Texas
May 13, 2022	2337528	Martin Garcia	Celina	Texas
May 13, 2022	2337556	Erik Ortiz	Desoto	Texas
May 16, 2022	1220123	Jim Tyler Henderson	Flat Rock	Michigan
May 16, 2022	1803461	Sean William Eichelberger	Garden City	Michigan
May 16, 2022	2181872	Martin David Zemanski	Farmington	Michigan
May 16, 2022	2218985	Franc Ernesto Ujka	Macomb	Michigan
May 16, 2022	2239814	Mahmoud A. Makki	Northville	Michigan
May 16, 2022	2329202	Benjamin Hong	New York	New York
May 17, 2022	35030	Robert William Shaw	Blackwood	New Jersey
May 17, 2022	392863	Dain William Murphy	Detroit	Michigan
May 17, 2022	2193155	Vincent Thomas Guarino	Oceanside	New York
May 18, 2022	2035954	Richard Russell Mahon	West Chester	Pennsylvania
May 18, 2022	2293848	Brenden Murray Kipnis	Oakhurst	New Jersey
May 18, 2022	2297315	Monica Moore-Suldon	Frisco	Texas
May 18, 2022	2319246	Hyang Soo Stuver	Prosper	Texas
May 18, 2022	2324081	Aimee Nicole Sage	Fayette	Missouri
May 19, 2022	1238313	Marina Kasneci	Northville	Michigan
May 19, 2022	2303487	Carlos S. Santana	Glen Head	New York

---

SECTION II

April 11, 2022 (SF-LFS)
CLEARWATER CREDIT COMPANY, LLC
3817 West Henrietta Road, Rochester, NY 14623

License to engage in business as a sales finance company was surrendered

---

May 20, 2022 (CU-CRB)
HERITAGE FINANCIAL credit union
25 Rykowski Lane, Middletown, NY 10941

Approval given to open and maintain a station at PA 739 – Dingman’s Court, Delaware Township, PA 18328.

---

May 20, 2022 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Authorization issued to open and occupy a branch office at 957 Main Street, East Hartford, Hartford County, Connecticut 06108, on or after May 21, 2022.

---

May 23, 2022 (MI-CRB)
WAYNE BANK
717 Main Street, Honesdale, PA 18431

Authorization granting permission to open and occupy a branch office at 35861 State Route 10, Hamden, Delaware County, New York 13782, surrendered for cancellation.

Office discontinued as of May 20, 2022.

---

May 24, 2022 (TM-LFS)
WESTERN UNION BUSINESS SOLUTIONS (USA), LLC DBA WESTERN UNION BUSINESS SOLUTIONS
7001 E. Belleview Avenue, Denver, Colorado 80237

Application for the change of headquarter location from 7001 E. Belleview Avenue, Denver, Colorado 80237 to 7979 E. Tufts Avenue, Suite 400, Denver, Colorado 80237 was approved effective May 23, 2022.

---

May 24, 2022 (TM-LFS)
LL PAY U.S., LLC
335 Madison Avenue, Suite 6F-1, New York, New York 10017

Application for the change of headquarters location from 335 Madison Avenue, Suite 6F-1, New York, New York 10017 to 335 Madison Avenue, Suite 5F1, New York, New York 10017 was approved effective 5/23/2022.

---

May 24, 2022 (MI-CRB)
NORTHWEST BANK
100 Liberty Street, Warren, PA 16365

Authorizations granting permission to open and occupy branch offices at the following three locations, surrendered for cancellation:

• 3517 Union Road, Buffalo, Erie County, New York 14225;
• 2513 West State Street, Olean, Cattaraugus County, New York 14760; and
• 2981 Delaware Avenue, Kenmore, Erie County, New York 14217.

Branch offices discontinued as of April 11, 2022 (locations #1 and #2) and April 12, 2022 (location #3), respectively.

---

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

May 24, 2022 (BR-MBD)
Dream Habitat LLC
45 Middle Neck Rd, Suite 229, Great Neck, NY 11021

---

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

May 24, 2022 (MB-MBD)
Full Service Branch
CMG Mortgage, Inc.
5474 Longley Lane, Suite 100, Reno, NV 89511

May 24, 2022 (MB-MBD)
Full Service Branch
Meadowbrook Financial Mortgage Bankers Corp.
259 S. Central Avenue, Hartsdale, NY 10530

---

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

May 24, 2022 (BR-MBD)
G. F. Brooks Associates
108 Main Street, Hamburg, NY 14075
Effective Date: April 15, 2022

---

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

May 20, 2022 (MB-MBD)
Nationstar Mortgage LLC
1603 LBJ Freeway, Suite 500, Farmers Branch, TX 75234
Effective Date: May 3, 2022

May 20, 2022 (MB-MBD)
GuardHill Financial Corp.
18 Kings Highway North, Suite 1, Westport, CT 06880
Effective Date: May 19, 2022

May 20, 2022 (MB-MBD)
GuardHill Financial Corp.
2 Newtown Lane, Suite 2X, East Hampton, NY 11937
Effective Date: May 19, 2022

---

Mortgage Banker Branch License Address Changes:

May 24, 2022 (MB-MBD)
Mortgage Access Corp.
From: 128 E. Route 59, Nanuet, NY 10954
To: 150 East Route 59, Suite #1, Nanuet, NY 10954

May 24, 2022 (MB-MBD)
CrossCountry Mortgage, LLC
From: 100 Jericho Quadrangle, Suite 338, Jericho, NY 11753
To: 100 Jericho Quadrangle, Suite 213, Jericho, NY 11753

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
May 18, 2022	30201	Peter J. Valentin	Dix Hills	New York	Embrace Home Loans, Inc.
May 18, 2022	84959	Joabel Dianna Capron	Cliffside Park	New Jersey	American Financial Network, Inc.
May 18, 2022	201904	Joseph Morgan Webb	Bel Air	Maryland	Nationwide Equities Corporation
May 18, 2022	279105	Michael Fusco	Franklin Square	New York	South Fork Funding, Inc.
May 18, 2022	448537	Allie Marie Kliegerman	New Rochelle	New York	William Raveis Mortgage, LLC
May 18, 2022	628392	Charles F. Woehr	Massapequa	New York	Embrace Home Loans, Inc.
May 18, 2022	955560	Jack Tate Molskow	Winfield	Illinois	Guaranteed Rate Affinity, LLC
May 18, 2022	988213	Gregory Hercules	Valley Stream	New York	Lakeview Mortgage Bankers Corp.
May 18, 2022	1037661	Michael Anthony Omlor	Detroit	Michigan	loanDepot.com, LLC
May 23, 2022	1321901	Donald Jacob White	Thousand Oaks	California	PennyMac Loan Services, LLC
May 18, 2022	1823813	Steven Yong Zhan	Oakland Gardens	New York	RealFi Home Funding Corp.
May 18, 2022	2002531	Patricia Lynn Mandigo	Gouverneur	New York	Movement Mortgage, LLC
May 18, 2022	2037814	Katherine Sempell	Lagrangeville	New York	Homestead Funding Corp.
May 18, 2022	2060303	Hanoch Fisch	Brooklyn	New York	The Mint Capital Inc.
May 18, 2022	2081211	Carmen Massie-Noest	Fresh Meadows	New York	US Mortgage Corporation
May 18, 2022	2085843	Joseph Anthony Ferri	Thornwood	New York	Quintessential Mortgage Group, Inc.
May 18, 2022	2087233	Karen Yvette Price	Lake Forest	California	loanDepot.com, LLC
May 18, 2022	2128807	Jason Claudio Hernandez	Central Islip	New York	Intercontinental Capital Group, Inc.
May 18, 2022	2134641	Yaakov Gobioff	Lakewood	New Jersey	The Mint Capital Inc.
May 18, 2022	2150681	Joseph Edmund Koetting	Columbia	Missouri	Mortgage Research Center, LLC
May 18, 2022	2151210	Leeann Peckham	Savona	New York	Movement Mortgage, LLC
May 18, 2022	2155214	Jennifer Sandewicz	Mapseth	New York	Channel Mortgage LLC
May 18, 2022	2165776	Jeremy Alexander Deras	Lakewood	California	loanDepot.com, LLC
May 18, 2022	2190226	Victoria Elizabeth Dwyer	North Babylon	New York	Cardinal Financial Company, LP