Weekly Banking Bulletin

March 10, 2023

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 9, 2023 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business as Private Bankers received.

(These Private Bankers are already under the supervision of the Department. New Certificate submitted by reason of the proposed admission to the firm of BBH Principals, L.P. as a General Partner.)

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March 7, 2023 (TM-LFS)
ASCENDANTFX CAPITAL USA, INC.
3478 Buskirk Avenue, Suite 1000, Pleasant Hill, CA 94523

Application was received for a change of control whereby AFX Acquisition Corp. will acquire 100% of the issued and outstanding shares of AscendantFX Capital Inc., and thereby indirectly acquiring 100% of AscendantFX Capital USA, Inc.

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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Application received pursuant to Section 594-b of Article 12-D of the New York Banking Law and Part 410 of the Superintendent’s Regulations for control interest, amended to read as follows:

From:
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

To:
February 22, 2023 (MB-MBD)
Applicant(s)
Reza Jahangiri                                                                                                   
Matthew Adam Engel                                                                                      
Various Minority Shareholders
To acquire interest in American Advisors Group D/B/A AAG
18200 Von Karman Avenue, Suite 300, Irvine, CA 92612

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Mortgage Broker Certificate Name Change Received, corrected to read as follows:

From:
February 24, 2023 (BR-MBD)
From:  Isometric LLC
To:  Isometric LLC DBA Morley

To:
February 24, 2023 (BR-MBD)
From:  Isometric LLC
To:  Isometric LLC DBA Morely

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

March 3, 2023 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
19 South Main Street, Rear Building, Office A1, Yardley, PA 19067

March 3, 2023 (MB-MBD)
Full Service Branch
Movement Mortgage, LLC
1000 Lafayette Blvd., Suite 1100, Bridgeport, CT 06604

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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

September 20, 2022 (SF-LFS)
Ginormous Auto Credit, LLC        
224 West Main Street, P.O. Box 233, Suite B, Goshen, NY 10924

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

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October 6, 2022 (LL-LFS)
MARINER FINANCE LLC 
8211 Town Center Drive, Nottingham, Baltimore, Maryland, 21236-5904

License was issued to reflect the change of branch location from 1900 Ridge Road, Suite 108 West Seneca, NY 14224 to 4405 Milestrip Road, 5B, Buffalo, NY 14219.    

In connection with the above license issuance, the original license was surrendered.

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December 12, 2022 (CC-LFS)
DAVID’S MONEY CENTERS OF THE BRONX, LLC
3015 Third Avenue, Bronx, NY 10455 

An application to relocate a licensed casher of checks from 23-05 31st Street, Astoria, NY 11105 to 23-11 31st Street, Astoria, NY 11105 was approved.

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January 31, 2023 (SF-LFS)
BMW FINANCIAL SERVICES NA, LLC D/B/A ALPHERA FINANCIAL SERVICES
300 Chestnut Ridge Road, Woodcliff Lake, Bergen, New Jersey 07677-7739

Rider was issued to reflect the change of branch location from 2735 E. Parley’s Way, Suite 301, Salt Lake City, Salt Lake County, Utah 84109 to 2855 East Cottonwood Parkway, Suite 200, Salt Lake City, Salt Lake County, Utah 84121

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January 31, 2023 (LL-LFS)
EMEDA FINANCE CORPORATION   
1801 Stillwell Ave, Suite 2F, Brooklyn, New York 11223

License was issued to reflect the change of main address from 611 Midland Ave, 2 Floor, Staten Island, New York 10306 to 1801 Stillwell Ave, Suite 2F, Brooklyn, New York 11223

In connection with the above license issuance, the original license was surrendered.

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February 23, 2023 (SF-LFS)
BMW FINANCIAL SERVICES NA, LLC D/B/A ALPHERA FINANCIAL SERVICES
300 Chestnut Ridge Road, Woodcliff Lake, Bergen, New Jersey, 07677-7739

Rider was issued to reflect the change of branch location from 5550 Britton Parkway, Hilliard, Franklin, Ohio 43026 to 1400 City View Drive, Columbus, Franklin, Ohio 43215.

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February 23, 2023 (LL-LFS)
ONEMAIN FINANCIAL GROUP, LLC 
100 International Drive, 16th Floor, Baltimore, Maryland 21202

License was issued to reflect the change of location from 3190 Niagara Falls Blvd., Amherst, New York 14228 to 9648 Transit Rd, Ste 200, East Amherst, NY 14051-2268.    

In connection with the above license issuance, the original license was surrendered.

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March 2, 2023 (pf-LFS)
MACKOUL INSTALLMENT SERVICES, LLC D/B/A MIS PREMIUM FINANCING
214 West Park Avenue, Long Beach, NY 11561

The relocation of the main office was approved as follows, effective January 1, 2023:
 
From:  25 Nassau Lane, Island Park, NY 11558
To:  214 West Park Avenue, Long Beach, NY 11561

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March 2, 2023(PF-LFS)
MHD EMPIRE SERVICE CORP.
300 South State St., Suite 1000, Office #1039, Syracuse, New York, 13202

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

300 South State St., Suite 1000, Office #1039, Syracuse, New York, 13202

Effective February 22, 2023, MHD Empire Service Corp. is no longer authorized to conduct premium finance business in the State of New York.

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March 2, 2023 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

Approval given to change the location of branch office from 4 Irving Place, Borough of Manhattan, City of New York 10003 to 111 4th Avenue, Borough of Manhattan, City of New York 10003, on or after March 3, 2023.

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March 8, 2023 (MI-CRB)
SALISBURY BANK AND TRUST COMPANY
5 Bissell Street, Lakeville, CT 06039

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 2064 New Hackensack Road, Town of Poughkeepsie, Dutchess County, New York 12603, will not result in a significant reduction of financial services in the community to be affected.

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March 8, 2023 (MI-CRB)
BANK OF HOPE
3200 Wilshire Boulevard, Los Angeles, CA 90010

Authorization granting permission to open and occupy branch office at 150-24 Northern Boulevard, Flushing, Borough of Queens, City of New York 11354, surrendered for cancellation.

Office discontinued as of February 24, 2023.

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March 9, 2023 (SB-CRB)
FIRST CENTRAL SAVINGS BANK
70 Glen Street, Glen Cove, NY 11542

Authorization granting permission to open and occupy branch office at 58-02 Myrtle Avenue, Ridgewood, Borough of Queens, City of New York 11385, surrendered for cancellation.

Office discontinued as of March 1, 2023.

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

March 7, 2023 (MB-MBD)
CCFCU Funding, LLC   D/B/A Homeowners Advantage
4 Winners Circle, Suite 202, Albany, NY 12205
Effective Date: January 3, 2023

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

March 3, 2023 (MB-MBD)
CrossCountry Mortgage, LLC
3100 West Ray Road, Suite 201, Office 232, Chandler, AZ 85226
Effective Date: February 14, 2023

March 6, 2023 (MB-MBD)
emm loans llc
1000 Sanger Avenue, Suite 310, Oceanport, NJ 07757
Effective Date: February 28, 2023

March 6, 2023 (MB-MBD)
Allied Mortgage Group, Inc.
39 E. Cedar Street, Suite 1, Newington, CT 06111
Effective Date: February 3, 2023

March 8, 2023 (MB-MBD)
Guaranteed Rate, Inc.
963 Ann Arbor Trail, Suite 12, Plymouth, MI 48170
Effective Date: February 24, 2023

March 8, 2023 (MB-MBD)
loanDepot.com, LLC
5005 Meridian Boulevard, Suite 150, Franklin, TN 37067
Effective Date: March 2, 2023

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

March 6, 2023 (MS-MBD)
Fay Servicing, LLC
1501 E. Woodfield Rd., Ste. 100W, Schaumburg, IL 60173-5447
Effective Date: February 27, 2023

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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
February 14, 2023	1889505	Ryan Thomas Sicker	Rockville Centre	New York	United Mortgage Corp.
February 17, 2023	207131	Robert Quarta	Seaford	New York	Lynx Mortgage Bank LLC
February 17, 2023	2033248	Dean Charles Lupowitz	Oceanside	New York	Cardinal Financial Company, LP
March 2, 2023	47162	Asif Khan	Parlin	New Jersey	Heartland Mortgage Corp.
March 2, 2023	88577	Eric Allen Vaughn	West Seneca	New York	Hunt Mortgage Corporation
March 2, 2023	187523	Mojubaade Aderemi	Philadelphia	Pennsylvania	Freedom Mortgage Corporation
March 2, 2023	289431	Rosemary Ciotto	Santee	California	Freedom Mortgage Corporation
March 2, 2023	369103	Kazi Hassan	Fresh Meadows	New York	Cliffco, Inc.
March 2, 2023	404070	Tracy Lyn Caggiano	Cedar Grove	New Jersey	CrossCountry Mortgage, LLC
March 2, 2023	491913	William Hang	Diamond Bar	California	PennyMac Loan Services, LLC
March 2, 2023	688986	Brian A. Marcotulli	Morristown	New Jersey	loanDepot.com, LLC
March 2, 2023	690891	James Leonard Bopp	Troy	New York	Planet Home Lending, LLC
March 2, 2023	958354	Shaista Fatima	Aliso Viejo	California	loanDepot.com, LLC
March 2, 2023	1098281	Shawn Lamont Carson	East Yaphank	New York	Family First Funding LLC
March 2, 2023	1383789	Lisbeth Rivas	Bethel	Connecticut	CrossCountry Mortgage, LLC
March 2, 2023	1513667	Paul Foley Gagne	Esopus	New York	Nations Lending Corporation
March 2, 2023	1537015	Bridget Marie McGuire	Columbia	Missouri	Mortgage Research Center, LLC
March 2, 2023	1592314	Nikolaus Ryan Gannon	Ridley Park	Pennsylvania	Freedom Mortgage Corporation
March 2, 2023	1666781	Matthew Kent Hinckley	Anna	Texas	PennyMac Loan Services, LLC
March 2, 2023	1915110	Malek Soleiman Abasi	Roseville	California	PennyMac Loan Services, LLC
March 2, 2023	2038529	Bryan Sinclair Hollins	Dallas	Texas	PennyMac Loan Services, LLC
March 2, 2023	2054922	Orlando Sanchez	Dallas	Texas	PennyMac Loan Services, LLC
March 2, 2023	2062771	Amelia R. Zapperoli	Glen Cove	New York	Meadowbrook Financial Mortgage Bankers Corp.
March 2, 2023	2082764	Amanda Haley Tubbs	Tampa	Florida	PennyMac Loan Services, LLC
March 2, 2023	2085299	Leilani Raenette Josiah	Compton	California	loanDepot.com, LLC
March 2, 2023	2113547	Brian Kurt Canaris	Morris Plains	New Jersey	Fairway Independent Mortgage Corporation
March 2, 2023	2223797	Nikolas Mattheopoulos	Douglaston	New York	CGAP, Inc.
March 2, 2023	2236976	Tyler Jeffrey Ranft	Middle Village	New York	Homereliance Capital Corp.
March 2, 2023	2250570	Kei Ki Wong	Jersey City	New Jersey	Quintessential Mortgage Group, LLC
March 2, 2023	2256387	Nicholas Dylan Brackett	Selden	New York	CrossCountry Mortgage, LLC
March 2, 2023	2303463	Jennifer Gomez	White Plains	New York	Quintessential Mortgage Group, LLC
March 2, 2023	2315365	Sarah Marcella Kocyan	Murfreesboro	Tennessee	Carrington Mortgage Services, LLC
March 2, 2023	2334667	Agata Cardenas	Ridgewood	New York	Fairway Independent Mortgage Corporation
March 2, 2023	2350763	Edouard Pierre Claus	Miami	Florida	Network Capital Funding Corporation
March 2, 2023	2352333	Aperiendae Danita Renea Penfield	Lewisville	Texas	Nationstar Mortgage LLC
March 2, 2023	2374679	Paul Joseph Trapani	Pleasantville	New York	UNMB Home Loans Inc.
March 2, 2023	2389233	Tori Lynn Iadarola	Saddle Brook	New Jersey	CrossCountry Mortgage, LLC
March 2, 2023	2407236	Tahlyah J. Ellis	Laurelton	New York	R & J Capital Group, LLC
March 2, 2023	2408627	Leonard A. Spitale	Lynbrook	New York	Gold Coast Funding Inc.
March 8, 2023	125301	Laura Kotowski	Smithtown	New York	Family First Funding LLC
March 8, 2023	1076911	Antia J. Santiago	Haverstraw	New York	Rocket Mortgage, LLC
March 8, 2023	1107398	Sarkis Soghomon Boghossian	Jamestown	Rhode Island	Shamrock Home Loans, Inc.
March 8, 2023	1159953	Ryan Michael McFarland	Detroit	Michigan	Rocket Mortgage, LLC
March 8, 2023	1716841	Luis M. Gutierrez	Naples	Florida	American Financial Network, Inc.
March 8, 2023	2007841	Samuel Francis Cioffi	Wantagh	New York	Cardinal Financial Company, LP

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: