Weekly Banking Bulletin

December 22, 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

BKBankMBMortgage Banker
BPBudget PlannerBRMortgage Broker
CCCheck CasherMSMortgage Servicer
CUCredit UnionPFPremium Finance Agency
FAForeign AgencyPBPrivate Banker
FBForeign BranchSBSavings Bank
FRForeign Representative OfficeSDSafe Deposit Company
HCHolding CompanySFSales Finance Agency
ICInvestment CompanySLSavings and Loan Association
LLLicensed LenderSLStudent Loans
LPLimited Purpose Trust CompanyTMTransmitter of Money
MKMerchant BankTRTrust Company
MIMiscellaneousVCVirtual Currency

Regulatory Unit Codes

CMCapital Markets
CRBCommunity and Regional Banks
CEUConsumer Examination Unit
FWBForeign and Wholesale Banks
LFSLicensed Financial Services
MBDMortgage Banking
RIDResearch and Innovation Division

SECTION I

December 20, 2023 (TM-LFS)
TRANSFERMATE, INC.
333 N. Michigan Ave., Suite 915, Chicago, Illinois, 60601

Notification received for the change of location from 333 N. Michigan Ave., Suite 915, Chicago, Illinois, 60601 to 5555 Glenridge Connector, Suite 200, Atlanta, GA 30342.

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.


December 20, 2023 (MI-CRB)
CNB BANK
1 South Second Street, Clearfield, Pennsylvania 16830

Application dated December 20, 2023, for permission to open and occupy a branch office at 235 High Street Extension, Unit 2, Victor, Ontario County, New York 14564, received.


December 20, 2023 (PB-FWB)
BROWN BROTHERS HARRIMAN and 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 Christian M. Brunet, Hilary M. Capay, Orla E. Foley, Neil M. Hohmann, William H. Hyder and Bradley M. Langer as General Partners; and the proposed conversion of Jean-Pierre Paquin from General Partner to Limited Partner.)


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

December 20, 2023 (BR-MBD)
Applicant(s)
Jules Zaphier
Deric Zaphier
As: Team Zaphire Incorporated
1131 Route 55, Suite 1 Room 8, LaGrangeville, NY 12540


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

December 14, 2023 (MB-MBD)
Full Service Branch
Cliffco, Inc.
4700 Millenia Boulevard, Suite 500, Unit 5086, Orlando, FL 32839

December 14, 2023 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
2359 N Triphammer Road, Suite 1B, Ithaca, NY 14850

December 14, 2023 (MB-MBD)
Full Service Branch
Sun West Mortgage Company, Inc.
2 Corpus Christi Place, Suite 200, Office #6, Hilton Head Island, SC 29928

December 15, 2023 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
1615 Pontiac Ave Unit 3, Cranston, RI 02920

December 15, 2023 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
919 SE Central Parkway, Unit A, Stuart, FL 34994

December 15, 2023 (MB-MBD)
Full Service Branch
PrimeLending, A PlainsCapital Company
108 Carpenter Drive, Office 236, Sterling, VA 20164


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 ApplicationNMLS #Applicant NameCityState
November 3, 20201055228Christopher W. NielsonCheshireConnecticut
June 1, 20221993359Tony An NguyenUpper DarbyPennsylvania
June 12, 20231720091Christopher Marc BarberLitchfieldConnecticut
October 11, 20232500975Nicholas Anthony SassoneTallahasseeFlorida
October 17, 20231683805Sergio GenaoSunriseFlorida
October 30, 20232043634Valerie WhiteSayvilleNew York
October 30, 20232184822Sarah Katlin WallsAshlandMissouri
November 8, 20232491818Amanda ZouLewisburgPennsylvania
November 10, 20231725170Steven Tyler BidwellSeattleWashington
November 10, 20232451972Amanda MaldonadoEast ElmhurstNew York
November 14, 20231182987Ronald CharlesEnglewoodNew Jersey
November 14, 20232536334Christian Gonzalez-BorreroSchenectadyNew York
November 15, 20231675756Issa Mohamad-Maher Al-ShelehTroyMichigan
November 17, 20231901158Christopher Andrew FlynnHamburgNew York
November 30, 20232232112Gabriella PuritaSoutholdNew York
December 1, 2023155739Jason Alan BrodskyHighwoodIllinois
December 4, 202361415Kelly SabinoEast NorthportNew York
December 6, 20232322429Alex Dominguez NavarroPhoenixArizona
December 11, 20232447783Christopher Quinton WestPlainfieldIndiana
December 12, 2023863068Robert Steven KrombergOntarioCalifornia
December 12, 20231516753William Edward WalkerMenifeeCalifornia
December 12, 20232012978Paul LeeGarden GroveCalifornia
December 12, 20232149193Megan Rose KellyLong BeachCalifornia
December 12, 20232345762Brian NguyenTampaFlorida
December 14, 20231732716Mitchel Kyle HinesFishersIndiana
December 15, 2023326783John Anthony CosculluelaMiami LakesFlorida
December 19, 2023237124Brian Kenneth YoshikawaAnaheimCalifornia
December 19, 2023453573Alicia Sharon Patterson-JohnsonChino HillsCalifornia
December 19, 2023481150David Jin KimFullertonCalifornia
December 19, 20231224204Thomas John PapageorgeCarlsbadCalifornia
December 19, 20231491495Christopher Neil AdrianoIrvineCalifornia
December 19, 20232277131Arianne Isabel Larracas EspirituLong BeachCalifornia

SECTION II

December 19, 2023 (PB-FWB)
BROWN BROTHERS HARRIMAN and CO.
140 Broadway, New York, NY 10005

A notification was received, as follows: as of January 1, 2024, the firm of Brown Brothers Harriman and Co. plans to maintain Permanent Capital at the current level of $810,000,000 pursuant to Section 162 of the Banking Law.


December 20, 2023 (SB-CRB)
APPLE BANK FOR SAVINGS
122 East 42nd Street, New York, NY 10168

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 located at 105 Second Avenue, Borough of Manhattan, City of New York 10003 will not result in significant reduction of financial services in the community to be affected.


December 20, 2023(MI-CRB)
THE NORTHERN TRUST COMPANY
50 South La Salle Street, Chicago, IL 60603

Approval given to change the location of branch office from 40 West 57th Street, 21st Floor, Borough of Manhattan, City of New York 10019 to 390 Park Avenue, 2nd Floor, Borough of Manhattan, City of New York 10022, on or after December 21, 2023.


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

December 20, 2023 (MB-MBD)
Shamrock Home Loans, Inc.
17 Conklin Street, Suite #4, Farmingdale, NY 11735
Effective Date: December 1, 2023

December 20, 2023 (MB-MBD)
Contour Mortgage Corporation
91 Maple Avenue, Suite 100, Smithtown, NY 11787
Effective Date: December 18, 2023

December 20, 2023 (MB-MBD)
Guaranteed Rate, Inc.
108 Centre Blvd., Suite B, Marlton, NJ 08053
Effective Date: December 13, 2023


Mortgage Broker Certificate Address Changes:

December 20, 2023 (BR-MBD)
County-Wide Associates Inc.
From: 3491 Roger Drive, Wantagh, NY 11793
To: 110 Spring Meadows Drive, Summerville, SC 29485

December 20, 2023 (BR-MBD)
SFC Mortgage
From: 242-09 Northern Boulevard, Douglaston, NY 11362
To: 51 Grohmans Lane, Plainview, NY 11803


Mortgage Banker Branch License Address Changes:

December 20, 2023 (MB-MBD)
Freedom Mortgage Corporation
From: 40 Lake Center, 401 Route 73, Suite 205, Marlton, NJ 08053
To: 40 Lake Center, 401 Route 73, Suite 400, Marlton, NJ 08053


Mortgage Broker Branch Certificate Address Changes:

December 20, 2023 (BR-MBD)
Zenta Mortgage Services, LLC
From: 2221 Savannah River Street, Henderson, NV 89044
To: 2850 West Horizon Ridge Pkwy, Suite 268, Henderson, NV 89052


Mortgage Loan Servicer Branch Certificate Address Changes:

December 20, 2023 (MS-MBD)
Provident Funding Associates, L.P.
From: 875 Greentree Road, 7 Parkway Center, Suite 220, Pittsburgh, PA 15220
To: 4 Parkway Center, Suite 100, Pittsburgh, PA 15220