Weekly Banking Bulletin

July 8, 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

June 30, 2022 (TR-CRB)
ORANGE BANK & TRUST COMPANY
212 Dolson Avenue, Middletown, NY 10940

Application dated June 30, 2022, for permission to change the location of branch office from 146 North Church Street, Goshen, Orange County, NY 10924 to 54 West Main Street, Goshen, Orange County, NY 10924, received.

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June 30, 2022 (BK-CRB)
THE BERKSHIRE BANK
4 East 39th Street, New York, NY 10016

Notice of intention to close branch office at 214 Harriman Drive, Goshen, Orange County, New York 10924, received.

The comment period on this notice will expire August 8, 2022.

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July 1, 2022 (TR-CM)  
AMERICAN STOCK TRANSFER & TRUST COMPANY, LLC 
6201 15th Avenue, Brooklyn, NY 11219

EQUINITI TRUST COMPANY
275 Madison Avenue, 34th Floor, New York, NY 10016

Application, pursuant to Section 601.1 of the Banking Law, for approval of the merger of Equiniti Trust Company with and into American Stock Transfer & Trust Company (AST) in which AST will survive the requested transaction.

The comment period on this application will expire on July 10, 2022.

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

July 6, 2022 (MB-MBD)
Applicant(s)
Ira Matthew Brownstein
Jennifer Boyd Brownstein
Maxwell Seedor Kelly
ZH Holdings, Inc.
As: Moe Residential LLC In Lieu of MortgageCountry, LLC 
725 Skippack Pike, Suite340A, Blue Bell, PA 19422

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

June 30, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
25-02 Francis Lewis Boulevard, Flushing, NY 11358

June 30, 2022 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
651 Willowbrook Rd, Suite 102, Staten Island, NY 10314

June 30, 2022 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
10320 Little Patuxent Pkwy, Suite 1140, Columbia, MD 21044

July 1, 2022 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC
10 Elizabeth Street, Suite 302, River Edge, NJ 07661

July 1, 2022 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
8 W Main St, Ste A, Patchogue, NY 11772

July 6, 2022 (MB-MBD)
Full Service Branch
Reverse Mortgage Funding LLC
540 Ritchie Highway, Suite 303, Severna Park, MD 21146

July 6, 2022 (MB-MBD)
Full Service Branch
Cardinal Financial Company, Limited Partnership
2907 Bridge Ave, First Floor, Point Pleasant, NJ 08742

July 6, 2022 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation
1400 E. Newport Center Drive, 1st Floor, Deerfield Beach, FL 33442

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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:

July 6, 2022 (MB-MBD)
Applicant(s)
John M. Schulte and Rachael C. Schulte Revocable Trust u/t/a dated November 21, 2013
Rachael Candace Schulte
To acquire interest in:
Mid-Continent Funding, Inc.
3401 W Broadway Business Park Ct, Ste 213, Columbia, MO 65203

July 6, 2022 (MB-MBD)
Applicant(s)
Samuel Peter Lamparello
To acquire interest in:
MLB Residential Lending, LLC D/B/A MLB Mortgage
51 Commerce Street, Suite 101, Springfield, NJ 07081

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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

June 30, 2022 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

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

351 Merrick Road, Amityville, Suffolk County, New York 11701
691 Co-Op City Boulevard, Bronx, Bronx County, New York 10475
1009 Flatbush Avenue, Brooklyn, Kings County, New York 11226
8989 Union Turnpike, Glendale, Queens County, New York 11385
132 Fulton Avenue, Hempstead, Nassau County, New York 11550
3577 Long Beach Road, Oceanside, Nassau County, New York 11572
385 Route 25A, Miller Place, Suffolk County, New York 11764
1 Stevens Way, Orangeburg, Rockland County, New York 10962
2425 Palmer Avenue, New Rochelle, Westchester County, New York 10801
25 Waterfront Place, Port Chester, Westchester County, New York 10573
2795 Richmond Avenue, Staten Island, Richmond County, New York 10314
80 Birdsall Road, Baldwin Place, Westchester County, New York 10505
612 White Plains Road, Tarrytown, Westchester County, New York 10591

Branch offices discontinued as of June 30, 2022.

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July 5, 2022 (BK-CRB)
ALMA BANK
28-39 31st Street, Astoria, NY 11102

Authorization granting permission to open and occupy a branch office at 213-11 Northern Boulevard, Bayside, Borough of Queens, City of New York 11361, surrendered for cancellation.

Office discontinued as of June 24, 2022.

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July 6, 2022 (TM-LFS)
ASSOCIATED FOREIGN EXCHANGE, INC D/B/A AFEX
21045 Califa Street, Woodland Hills, California 91367

License to engage in business as a money transmitter company was surrendered effective December 16, 2021.

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July 7, 2022 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch offices at the following three locations will not result in a significant reduction of financial services in the communities to be affected:

1. 399 Albany Shaker Road, Loudonville, Town of Colonie, Albany County, NY 12211;
2. 11 Vista Boulevard, Slingerlands, Town of Bethlehem, Albany County, NY 12159; and
3. 602 Columbia Turnpike, Town of East Greenbush, Albany County, NY 12061.

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

June 30, 2022 (BR-MBD)
Tristate Capital Advisory Group Inc.
34 Franklin Ave, Suite 306, Brooklyn, NY 11205

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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:

July 5, 2022 (MB-MBD)
Full Service Branch
Sun West Mortgage Company, Inc.
91 South Street, First Floor, Suite B, Danbury, CT 06810

July 5, 2022 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
161 Main St., Kings Park, NY 11754

July 5, 2022 (MB-MBD)
Full Service Branch
American Financial Network, Inc.
100 Main Street Suite 302, Safety Harbor, FL 34695

July 5, 2022 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
1900 NW Corporate Blvd, Suite 225W, Boca Raton, FL 33431

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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:

July 5, 2022 (BR-MBD)
Full Service Branch
Quintessential Mortgage Group, LLC
2999 NE 191st Street, Suite 600, Miami, FL 33180

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

June 30, 2022 (MB-MBD)
Atlantic Home Loans, Inc.
50 Route 46 West, Suite #202, Parsippany, NJ 07054-2395
Effective Date: June 7, 2022

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

July 5, 2022 (MB-MBD)
United Mortgage Corp.
600 Getty Avenue, Suite #301, Corrados Clifton Family Plaza North, Clifton, NJ 07011-2161
Effective Date: April 6, 2022

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Mortgage Banker License Address Changes:

July 6, 2022 (MB-MBD)
Arc Home LLC
From: 4000 Midlantic Drive, Suite 102, Mount Laurel, NJ 08054
To: 3001 Leadenhall Road, Suite 301, Mount Laurel, NJ 08054

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Mortgage Banker Branch License Address Changes:

July 5, 2022 (MB-MBD)
Premium Mortgage Corp.
From: 5000 Campuswood Drive, Ste 101, East Syracuse, NY 13057
To: 6700 Kirkville Road, Suite 3A, East Syracuse, NY 13057

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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
June 29, 2022	987404	Esteban Alberto Gamboa	Philadelphia	Pennsylvania	Planet Home Lending, LLC
June 29, 2022	1076911	Antia J. Santiago	Bronx	New York	Rocket Mortgage, LLC
June 29, 2022	1210776	Asim Sabir	Brooklyn	New York	Absolute Home Mortgage Corporation
June 29, 2022	1681087	David Singh Roy	Ozone Park	New York	Americana Mortgage Group, Inc.
June 29, 2022	1941884	Christopher Lee Sonnenfeld	Warren	Michigan	Rocket Mortgage, LLC
June 29, 2022	1971074	Jovan Bobby Spasoski	Sterling Heights	Michigan	Rocket Mortgage, LLC
June 29, 2022	1995940	Kelley Marilyn Shaffer	Charlotte	North Carolina	Cardinal Financial Company, LP
June 29, 2022	2010532	Alan Peter Sanserino	Laguna Niguel	California	loanDepot.com, LLC
June 29, 2022	2122245	Erica Margaret Graham	Brooklyn	New York	Better Mortgage Corporation
June 29, 2022	2184654	Shlomo Yitzchak Ash	Spring Valley	New York	FM Home Loans, LLC
June 29, 2022	2283287	Yoseph Lipschutz	Lakewood	New Jersey	Funding Resources Mortgage Corporation
June 30, 2022	597196	Janie Lee	Dix Hills	New York	Russell Capital Group LLC
June 30, 2022	1431373	Margaret Heyn McDermott	Old Greenwich	Connecticut	Better Mortgage Corporation
June 30, 2022	1507303	Adam James Tanner	Bedford	New Hampshire	Guaranteed Rate, Inc.
June 30, 2022	1588348	Jason Hrzich	Wantagh	New York	CrossCountry Mortgage, LLC
June 30, 2022	1916553	Kayla Janai Wells	Cleveland	Ohio	Rocket Mortgage, LLC
June 30, 2022	1971302	Jonathan Hernandez Delgado	Buckeye	Arizona	Rocket Mortgage, LLC
June 30, 2022	2025081	Jess Alexander Moore	Dallas	Texas	Nationstar Mortgage LLC
June 30, 2022	2035901	Avraham Goldhirsch	Spring Valley	New York	Astar Home Capital Inc
June 30, 2022	2039275	Antonio Doza	Long Island City	New York	Absolute Home Mortgage Corporation
June 30, 2022	2053980	Yeruchim Steinmetz	Lakewood	New Jersey	The Mint Capital Inc.
June 30, 2022	2067825	Michael Min Yong Jang	Irvine	California	Network Capital Funding Corporation
June 30, 2022	2107984	Daniela Eljezovic	Washington Township	Michigan	Rocket Mortgage, LLC
June 30, 2022	2128232	Tomas Christopher Skeeters	Canton	Michigan	Rocket Mortgage, LLC
June 30, 2022	2149099	Jonathan Soberanes	Sachse	Texas	Nationstar Mortgage LLC
June 30, 2022	2151379	Alberto Amorizzo	Westbury	New York	Bridgeview Mortgage Corp.
June 30, 2022	2167603	Matthew Russell Lark	Oceanside	New York	Meadowbrook Financial Mortgage Bankers Corp.
June 30, 2022	2176218	Tarannum Moon	Fair Lawn	New Jersey	UIF Corporation
June 30, 2022	2221700	Michele DeMaio	Melville	New York	Guaranteed Rate, Inc.
June 30, 2022	2233479	Judy Gross	Lindenhurst	New York	CrossCountry Mortgage, LLC
July 5, 2022	216485	Adam Matthew Falis	Bethel	Connecticut	Total Mortgage Services, LLC

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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: