Weekly Banking Bulletin

August 11, 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

August 4, 2023 (CU-CRB)
MUNICIPAL credit union
22 Cortlandt St, New York, NY 10007

Application dated August 2, 2023, for permission to change the location of its station from 560 Courtlandt Avenue, Bronx, Bronx County, NY 10451 to 225 East 149th Street, Bronx, Bronx County, NY 10451, received.

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August 7, 2023 (MI-CRB)
CNB BANK
One South Second Street, Clearfield, PA 16830

Application for permission to open and occupy a branch office at Cleve Hill Plaza, 1445 Kensington Avenue, Buffalo, Erie County, New York 14215, received.

(This location is to be serviced by a mobile branch facility on a periodic basis).

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

August 9, 2023 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc.
99 West Hawthorne Ave., Suite 508, Valley Stream, NY 11580

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
2 Enterprise Drive, Suite 509, Shelton, CT 06484

August 9, 2023 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
3400 Silverstone Dr., Suite 111, Plano, TX 75023

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
74 Batterson Park Road, Suite 240, Farmington, CT 06032

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
15 Taylor Street, Kingston, NY 12401

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
1229 Route 300, Suite 3, Town of Newburgh, NY 12550

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
200 Somerset Corporate Blvd., Suite 1003, Bridgewater, NJ 08807

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
6001 W. William Cannon Drive, Suite 202, Austin, TX 78749

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
43 South Main Street, Suite 8, Newton, CT 06470

August 9, 2023 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
21 Main Street, 1st Floor, Suite B, Bradford, PA 16701

August 9, 2023 (MB-MBD)
Full Service Branch
NewRez LLC
4250 Veterans Memorial Highway, Suite 170 East, Holbrook, NY 11741

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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
October 21, 2020	946723	Lisa Karen Farrell	Philadelphia	Pennsylvania
March 14, 2023	1430134	Douglas J. Cabral	Greenport	New York
May 2, 2023	2336228	Nervan Nabil Mohi Zaki	Staten Island	New York
June 9, 2023	818435	Sharon Ann Chong	Tustin	California
July 3, 2023	2437711	Steven Harrison Smith	East Quogue	New York
July 14, 2023	1689976	Yohanna Paola Arbelaez	Smithtown	New York
July 17, 2023	410228	Angelo Francis DeJoy	New York	New York
July 19, 2023	2490956	Eric T. Kushnir	Brooklyn	New York
July 21, 2023	2137352	Iliya Dimitrov Kovachev	Putnam Valley	New York
July 21, 2023	2502088	Logan Reese Levy	Melville	New York
July 31, 2023	39371	George Peter Bissias	Bedford	Massachusetts
July 31, 2023	1964072	Zachary Brown Harrison	Columbia	Missouri
August 1, 2023	50994	Jonathan Ray McKelvey	Lincoln Park	New Jersey
August 1, 2023	1925401	Andrew S. Fernandez	Brooklyn	New York
August 2, 2023	2394472	Serop Babikian	Merrick	Nebraska
August 2, 2023	2509376	Jacob Earl Ripley	Columbia	Missouri
August 3, 2023	1840983	Blaise Edwin Shepherd	Richfield	Ohio
August 4, 2023	265132	Frank Vincent Gatto	Bedminster	New Jersey
August 7, 2023	2506550	Stephen Edward Gibbons	Columbia	Missouri
August 8, 2023	2082998	Jeremy Jordan Friend	Dallas	Texas
August 8, 2023	2403158	Stephen Michael Kozak	Cave Creek	Arizona

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SECTION II

July 18, 2023 (TR-CRB)
CHEMUNG CANAL TRUST COMPANY
One Chemung Canal Plaza, Elmira, NY 14901

Authorization issued to open and occupy a branch office at 5529 Main Street, Williamsville, Erie County, New York 14221, on or after July 19, 2023.

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July 25, 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 580 Kings Mall Court, Kingston, New York to 1204 Ulster Ave. Ste 101, Kingston, New York 12401-1517.

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

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August 2, 2023 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

As provided in Section 28-c of the Banking Law, the New York State Department of Financial Services has found that the proposed closing of branch office at 1848 South Clinton Avenue, Town of Brighton, Monroe County, New York 14618, will not result in a significant reduction of financial services in the community to be affected.

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August 3, 2023 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY  11791

The license to engage in business as a casher of checks at the following location has been surrendered, effective July 26, 2023: 

Branch office:  832 Washington Avenue, Brooklyn, NY  11230

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August 3, 2023 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY  11791

The license to engage in business as a casher of checks at the following location has been surrendered, effective July 28, 2023: 

Branch office: 2168 Second Avenue, New York, NY  10029

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August 7, 2023 (TM-LFS)
TAPTAP SEND PAYMENTS CO.
27 E 28th St, Suite 15035, New York, NY 10016

Notification for change of location from 27 E 28th St, Suite 15035, New York, New York 10016 to 27 E 28th St, Suite 15052, New York, New York 10016 was approved effective August 2, 2023.

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August 7, 2023 (TM-LFS)
CHOICE MONEY TRANSFER, INC. D/B/A SMALL WORLD FINANCIAL SERVICES GROUP
560 Sylvan Avenue, Englewood Cliffs, New Jersey 07632

Notification for change of location from 560 Sylvan Avenue, Englewood Cliffs, New Jersey 07632 to 70 Grand Avenue, Suite 104, River Edge, New Jersey 07661 was approved effective August 3, 2023.=

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August 8, 2023 (bp-LFS)
TAKE CHARGE AMERICA, INC.
20430 North 19th Avenue, Suite B155, Phoenix, Maricopa, AZ 85027

The relocation of a main office was approved as follows, effective June 9th, 2023: 

From:  20620 North 19th Avenue, Phoenix, Maricopa, AZ 85027
To:  20430 North 19th Avenue, Suite B155, Phoenix, Maricopa, AZ 85027

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August 9, 2023 (TM-LFS)
LUCKY MONEY, INC.
1028 Mission Street, San Francisco, CA 94103

License to engage in the business as a licensed money transmitter company has been surrendered.

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August 9, 2023 (TM-LFS)
APPLE PAYMENTS INC.    
6900 W. Parmer Lane Office No. AC1-2225, Austin, Texas 78729

Application for change of location from 20450 Stevens Creek Blvd. Suite 130, Cupertino, CA 95014 to 6900 W. Parmer Lane Office No. AC1-2225, Austin, Texas 78729 was approved effective August 9, 2023.

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August 9, 2023 (TM-LFS)
BLOCK OF DELAWARE   
1955 Broadway, Suite 600, Oakland, CA 94612

Application for change of location from 1455 Market Street Suite 600, San Francisco, CA 94103 to 1955 Broadway, Suite 600, Oakland, CA 94612 was approved effective August 9, 2023.

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August 10, 2023 (SF-LFS)
AUTO FACTORS, INC.
99 West Hawthorne Avenue, Suite 318, Valley Stream, New York 11580-6101

Application for a change of control whereby Rada Levkovskaya, will acquire 100% of the shares of Licensee, Auto Factors, Inc., was approved effective April 27, 2023.

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August 10, 2023 (MI-CRB)
GOUVERNEUR BANCORP, INC.
42 Church Street, Gouverneur, NY 13642

Applications, pursuant to Section 143-b of the Banking Law, to acquire control of Gouverneur Savings and Loan Association and indirect control of GS&L Municipal Bank, Gouverneur, New York, approved.

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

August 9, 2023 (MB-MBD)
Full Service Branch
Caliber Home Loans, Inc.
15 Taylor Street, Kingston, NY 12401

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

August 9, 2023 (MB-MBD)
Family First Funding LLC
44 Washington St., Suite 200, Toms River, NJ 08753
Effective Date: July 28, 2023

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

August 9, 2023 (BR-MBD)
Green Apple Mortgage Studio, Inc.
95-20 63rd Road, Suite E, Rego Park, NY 11374-1145
Effective Date: July 5, 2023

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

August 3, 2023 (MB-MBD)
American Financial Network, Inc.
701 E. Palisade Ave. Suite 202, Englewood Cliffs, NJ 07632
Effective Date: June 7, 2023

August 3, 2023 (MB-MBD)
American Financial Network, Inc.
15991 Redhill Ave #200, Tustin, CA 92780
Effective Date: June 7, 2023

August 9, 2023 (MB-MBD)
United Mortgage Corp.
7000 SE Federal Hwy, Suite 210, Stuart, FL 34997
Effective Date: August 4, 2023

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

August 4, 2023 (BR-MBD)
A.S.A.P. Mortgage Corp.
237 Route 32, Central Valley, NY 10917
Effective Date: July 3, 2023

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Mortgage Banker License Address Changes:

August 9, 2023 (MB-MBD)
Sierra Pacific Mortgage Company, Inc.
From: 1180 Iron Point Road, Suite 200, Folsom, CA 95630
To: 950 Glenn Drive, Suite 150, Folsom, CA 95630

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Mortgage Broker Certificate Address Changes:

August 9, 2023 (BR-MBD)
Hypotec Inc.
From: 20283 State Road 7, Suite 429, Boca Raton, FL 33498
To: 20283 State Road 7, STE. 109, Boca Raton, FL 33498

August 9, 2023 (BR-MBD)
Altisource Fulfillment Operations, Inc.
From: 111 Corporate Office Drive, Suite 150, Earth City, MO 63045
To: 12747 Olive Blvd., Suite 300, Office No. 34, St. Louis, MO 63141

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Mortgage Broker Branch Certificate Address Changes:

August 9, 2023 (BR-MBD)
A.S.A.P. Mortgage Corp.
From: 1012 Main Street, Suite B, Fishkill, NY 12524
To: 1068 Main Street, Suite 200, Fishkill, NY 12524

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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
August 9, 2023	1774365	Kyle Lee Feliciano	Johnstown	Pennsylvania