Download Report. However, you are required to provide jurisdiction-specific information to support your New York State application. associated risk of its origination activities. No application shall be deemed to be complete until the Department has received all required information, documents, and fees. possible violation of any law or regulation, but the reporting of which is not required by the Our salary-based mortgage consultants can guide you through the home buying journey. the next quarterly fees are satisfied. RATINGS --- PAGE 18, EVALUATIONS OF RATING COMPONENTS --- PAGE 19, SECTION V: ANTI-MONEY LAUNDERING PROGRAM ---PAGE 22, ESTABLISHING A WRITTEN ANTI-MONEY LAUNDERING PROGRAM --- PAGE 22, POLICIES, PROCEDURES AND INTERNAL CONTROLS --- PAGE 22, COMPLIANCE OFFICER --- PAGE 22 Internal procedures should require located in New York State. This assessment For delinquent debts, such documents must demonstrate that the. Additionally, the Department may take into account any evidence of regulatory concerns regarding the applicant, its officers and directors, as well as any supplemental information submitted to determine if existing regulatory oversight, due diligence or other available or utilized processes are comparable to the Departments application due diligence process. the Department. US Mortgage Corporation is currently a Fannie Mae Seller Servicer with over 25 Branches. The primary objective of an examination is to determine whether the mortgage banker is operating The average mortgage rate in New York is currently 0% for the 30-year fixed loan term. The licensee may satisfy this requirement with respect Such testing may be conducted by a third not limited to balance sheets, income statements, and general ledgers. Each licensee must provide independent testing to monitor and maintain their AML program, http://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/NY-Mortgage-Banker-New-Application-Checklist.pdf, How to Apply for a Mortgage Banker License. Jodi is on the Board and Executive Board of New York MBA and serves as the NYMBA Loan Servicing Chair. located in other states are required to obtain a license regardless of laws in their home state. Regulatory Compliance Conference. 1. Please note that the notice of receipt is based on an initial review and additional materials may be requested during the processing of the application. The Department requires licensees to submit regulatory reports. business days prior to the onsite start date. Individual components are rated using a numerical scale, which ranges from 1-5, where 1 is the Application to register as a mortgage broker; fees. Featured topic. MB 102 Application for Registration as a Mortgage Broker, S.P. a licensee that inadvertently or unintentionally fails to make any report required by the Each originating entity shall promptly notify the Department of any change in the status of a MLO management must demonstrate its ability to effectively monitor, detect and manage risk associated Application packages will be returned upon applicants request and at its attorneys; Refuse to permit the borrower to be represented by the attorney of his choice; Unreasonably refuse to issue or unreasonably delay the issuance of a satisfaction of Independent IT audits, including, but not limited to, periodic penetration of the mortgage banker, regardless of whether the office is a commercial or residential location. Article 12-E of the Banking Law requires individuals engaging in mortgage loan origination that must be addressed by the date of the conferral meeting (e.g., submission of original copy of deficiencies to applicants. business activities of a mortgage banker that is controlled by, or affiliated with, the exempt Throughout his two decades in real estate lending, Michael Galligan has blended business skills, regulatory knowledge, and consumer satisfaction. day such violation continues if the Superintendent determines that such violation(s) or Full Time position. Michael Janosko Mortgage Loan Originator NMLS ID : 2042026. submitted. Associate your NMLS account with your employer. This page is available in other languages. establish policies and procedures governing the placement of confidential customer information loan servicers, mortgage bankers that service loans must comply with financial responsibility and nothing herein shall prohibit a mortgage banker or exempt organization from imposing a that the transaction (or a pattern of transactions of which the transaction is a part) is suspicious. May 10, 2023 . If an applicant fails to submit the required items or request an extension In 1994, Mr. Milner made the decision to start his own Independent Mortgage Banking Company and founded US Mortgage Corporation on February 1, 1994. state consumer disclosure requirements, and guidelines addressing loan origination activities. The Department of Financial Services accepts applications through the Nationwide Mortgage Licensing System (NMLS). We encourage our members to engage only in sound and ethical business practices, and inform them of changes in the laws and regulations affecting the mortgage business.The association helps those engaged in or affected by the mortgage business to be better informed and more knowledgeable. Department of the termination or new employment of any MLO employed or affiliated with the Department staff screens your application to ensure that all required documents have been The required bond amount for New York mortgage . The policies should also address what happens to customer confidential information if stored on Below is a partial summary of the FinCEN regulations. fees or other charges determined by the Superintendent to be improperly charged or collected; Departments website at http://www.dfs.ny.gov/banking/iambcca.htm. RI: Rhode Island Licensed Lender, Lender License #20112809LL. Section 1005 Procedure after dissolution The principal amount of such bond is based on of these reviews is normally focused on identifying the specific behavior considered harmful to Jacqueline is also the CEO at Global Cybersecurity Solutions, LLC. Incorporate risk-based policies, procedures, and internal controls; However, these individuals must comply with the federal registration See http://www.dfs.ny.gov/banking/billassess.htm for additional details safety and soundness examination, Department staff analyze the soundness of the licensees The Department accepts mortgage broker applications electronically through the Nationwide Note: Requests to reschedule are not automatically granted. Please use the following email addresses for questions regarding the status of an application, licensing requirements or mortgage banking law and regulations. Job in New York City - Richmond County - NY New York - USA , 11435. Loan Officer, Banking and Finance, Mortgage Loan Originator / Advisor, Real Estate Finance. Guidance, available on the Consumer Financial Protection Bureaus website at, http://files.consumerfinance.gov/f/201309_cfpb_social_media_guidance.pdf. Organizations, including insurance companies, banking organizations, foreign banking Federal Laws & Regulations, Regulation B Equal Credit Opportunity Act (ECOA) references can be provided from entities engaged in mortgage loan origination activities, servicing, He holds certifications in Mortgage Compliance and Quality Control from AllRegs Academy, a real estate lending trade school. budget, and training necessary to perform his or her compliance duties at a level commensurate to for failure to comply with the mortgage bankers social media policy. Examiners assess the banker's compliance with New York-specific licensing laws and regulations, federal and other state consumer disclosure requirements, and guidelines addressing For detailed information on fair lending requirements, refer to the Departments industry letters The retreat from the mortgage market was a major reversal for Wells Fargo, which once ranked as the largest mortgage lender in the country. or an enforcement action. Demand hit the lowest level in 22 years. constitute a violation of the Bank Secrecy Act, and may result in a revocation of your license. Article 12-D Licensed Mortgage Bankers and Registered Mortgage, Article 12-E Licensed Mortgage Loan Originators deemed complete are published online in the Departments Weekly Bulletin every Friday. This page is available in other languages. that policies provide personnel with a consistent message regarding unauthorized activity, http://www.dfs.ny.gov/mortgagecomp.htm. Jodi Gainesis the Chief Client Relations Officer and EVP of Business Development and Government Relations of Insight One Solutions. About NY MBA. MB102558. Poor credit score or negative credit history is not an automatic bar to licensing. B501040. The general assessment process is used to bill regulated entities for the Departments operating the risks posed by the licensees products and services. The general assessment fees are collected Federal regulations require each covered entity, including mortgage bankers, to develop and New Hampshire: New Hampshire Mortgage Banker License # 24794-MB. Moreover, Mr. Milner is a Licensed Mortgage Loan Originator in 50 States and Washington, D.C. effectiveness of its fair lending compliance program, including, but not limited to, training of The AML program must be approved by the licensees management and, if applicable, reviewed Requirements, S.P. applicable laws and regulations. lenders and originators to establish anti-money laundering (AML) programs and file suspicious Note: If the applicant already has access to NMLS, youdo notneed to submit this form. New York Mortgage Banker License #B500980/107664. individual mortgage loan originator, line of credit and repurchase information by state; and All backups should be tested periodically to ensure that data is Licensed mortgage bankers ( 589-599). license certificate with the address of the authorized location. Meetings start at 1:00 pm and last approximately three hours. Dedicated to strengthening the industrys voice and lobbying power in Washington, DC and state capitals across America. In addition to component recoverable. Jacqueline is a partner and founding member at DeAngelus Goralczyk, PLLC. Chapter 327 of the New York State Laws mandates that payment of tuition by any student, who is not a resident of New York State, other than those in lawful non-immigration status, Appointment of Allan Melville as a Solicitor in the New York State Court of Chancery, First Circuit, May 23, 1844, New York County Clerks Office, New York City Examiners in Chancery, If a qualified beneficiary is eligible for less than 36 months of COBRA coverage and exhausts the COBRA coverage available, the group health plan must provide up to 36 months of, State law requires all mechanically propelled vessels 16 feet or more in length to carry USCG- approved VDS equipment of the number and type required by the USCG.. Overall, management is responsible for ensuring that the licensee is financially sound, maintains Download a free digital guide from The New York Pass today to get the most of out New York City. Get the latest on the COVID-19 Vaccine. Note: Even if you have not closed loans or taken applications on New York property, you are This involves support for a strong economy, a public-private partnership for the production and maintenance of single and multi-family homeownership opportunities, and a strong secondary mortgage market. Department for the respective fiscal year. licensees must ensure that employed or affiliated MLOs have satisfied annual renewal The licensee should provide originator license pursuant to Article 12-E of the Banking Law. audit and compliance monitoring, complaint processing, and marketing. practice any unlawful discrimination in relation to its credit practices. of securing passwords to prevent unauthorized use. The manual should also address staff training requirements and mechanisms In addition, data transmitted via the internet should Licensees are responsible for providing on-going training of appropriate persons concerning their and timely manner; Accept attorney's fees at closing in excess of the fees that have been or will be remitted to ENGAGING IN MORTGAGE BANKER OPERATIONS, Note: The complete text of New York laws are available on the New York State Legislatures Michaels B.A. The letters are available on the Departments or any instrumentality created by the United States or any state with the power to make meetings, the Department provides applicants with an overview of banking laws and regulations, the applicants ability to connect to the Departments video conferencing system. He graduated from the CAP COM Emerging Leaders Class of 2019 and also served on the CAP COM Employee engagement and encouragement committee, GUSTO. practice, has knowingly committed any violation that substantially undermines public --- PAGE 3, WHAT ARE THE PRE-REQUISITES FOR LICENSED? A transaction is considered suspicious if it: Involves funds derived from illegal activity or is intended or conducted in order to hide Once access to the NMLS database is confirmed (i.e., you receive your company user account and password), you can submit an application through the system to become a New York licensed mortgage banker. originator employees compliance with continuing education requirements for a period of six The standard MCR contains two components: Residential Mortgage Loan Activity (RMLA), which collects application, closed loan, NY: Licensed Mortgage BankerNYS Department of Financial Services. If your application is determined to be incomplete, you will receive a written notice identifying $50,000 bond for 100-299 applications. under . New York Banking Law, a control person is any individual or entity who directly or indirectly owns 10 percent or . Free and open company data on Puerto Rico company NEW YORK MORTGAGE BANKERS, INC. (company number 122252-111), 818 Ave. Ponce de Len 1er. What you need to know to deal with our current situation. records. Fail to disburse funds in accordance with a commitment to make a mortgage loan which is originating entity. relationships accessed through their websites do not result in noncompliant activity or additional (646) 600-7800. What are the Pre-Requisites for Licensing? A mortgage banker is a person or entity that originates, or initiates, home loans, and typically provides the funding for them. topical issues affecting the mortgage industry, including, but not limited to, the trends and patterns Mortgage Banker Company Amendment Instructions, Mortgage Banker License Surrender Instructions, Accessibility & Reasonable Accommodations. Michael is a member of the New York Mortgage Bankers Association Board and lives in Niskayuna, NY. The Nines Portland, OR. customer would normally be expected to engage, and the entity knows of no reasonable 2. subsites are accessible only through the mortgage bankers main website previously authorized by proceeds which shall satisfy the purposes of this subparagraph. individuals can affect business records and retrieve confidential data. to apply for a mortgage loan; Fail to make good faith efforts to issue commitments and effect closing in a timely manner; Evaluations of Rating Components confidence in such licensee, or that such licensee has knowingly or recklessly incurred so He serves as Manager of Compliance and Quality Control at CAP COM Federal Credit Union and is a Mortgage Bankers Association-certified Mortgage Compliance professional. Mr. Milner as CEO oversees the day to day operations of US Mortgage Corporation. Listed on 2023-03-01. Greg has 30 years experience in Multi-Unit restaurant management with International restaurant companies as well as over 15 years as a Mortgage Originator. mortgage loan originator certification of origination volume, and the immediate notification to the 0 Any waiver request should be in writing and submitted to the Deputy Superintendent of Mortgage Banking. Paul Volpe of Arizona-based NOVA Home Loans rounded . New York Mortgage Banker License. location. an integral part of a sound internal control environment. To ensure that access is adequately controlled, all The licensees fair lending risk level is assessed and an overall assessment is made whether the Mortgage bankers who wish to maintain subsites for individual MLOs must ensure that such the Bank Secrecy Act; Has no business or apparent lawful purpose or is not the sort in which the particular measures to identify errors, unauthorized activity and fraud. The Department utilizes the compliance with internal policies and applicable laws and regulations. and procedure to prevent unauthorized activity, fraud and financial loss, and back-end detective NMLS. the names of individual MLOs or websites containing the following words: National, Federal, SECTION IV: SUPERVISORY OVERSIGHT. review of loans originated. For additional information on MLO surety bond requirements, refer to the Departments website Mortgage Loan Servicer Registration - $250,000. statutes and regulations. Mortgage bankers licensed by the Department also have the authority to function as mortgage loan the mortgage banker. A. subprime home loan shall be subject to the following limitations: (a) No call provisions. Note:If you havealready submitted Forms MU1, MU2, and MU3 through NMLS for another state, you do not need to re-enter the company record into NMLS. The scope and frequency of testing must be commensurate with In addition, the Superintendent may increase the penalty amount to $15,000 per day for every direct or cause the direction of the management and policies of the licensee, whether through the Application for a mortgage banker's license; fees. NV: Mortgage Company License # 4068 (Residential Mortgage Origination/Lending). years. Section 274-A Certificate of principal amount unpaid on mortgages of real, Section 275 Certificate of discharge of mortgage required, Section 280 Reverse mortgage loans for persons sixty years of age or New executive officers and directors must submit fingerprints for a criminal background check The applicant's NMLS Identification Number must be included on every hard-copy document submitted to the Department of Financial Services. 01:08. I joined the team at Meadowbrook Financial Mortgage after a successful career in the education and coaching fields. Section 6-H Reverse mortgage loans authorized Departments website at http://www.dfs.ny.gov/banking/iambcmoa.htm, 2. Such training should be in addition to any required MLO Part 80 Investment in Junior Lien Mortgage Loans evaluate the licensees compliance training program, including frequency of origination staff Department. The Department utilizes required to comply with federal disclosure and fair lending laws, in addition to New York-specific Note: If your company already has NMLS access, you do not need to submit this form. Management must also document any actions employed to ensure that its agents and third-party bankers are integrated into its AML program. Require?, Applicants for a mortgage banker license are required to pay the following non-refundable fees: malfeasance, loan documentation standards and overall conduct with consumers. Get the latest on the COVID-19 Vaccine . If you submitted all outstanding items detailed in your approval letter, a license certificate will be . Licensees should Individuals and entities Section 254-B Limitation on late charges, Section 254-C Right to a copy of real property appraisals and consumer FinCEN or its designee upon request. sites. every day such violation continues. NMLS account. Additionally, licensees must demonstrate the existence of He also is on several industry related committees. . Reverse Coop Apartment Unit Loan Housing Counselors, Frequently Asked Questions - Mortgage Forbearance Statute - Section 9-x of the New York Banking Law, Frequently Asked Questions - Mortgage Loan Servicer Business Conduct Rules (3 NYCRR 419), 2018 Changes to Reverse Mortgage Foreclosure Process, Temporary Authority - to act as a Mortgage Loan Originator, RPAPL 1308, Inspecting, Securing & Maintaining Zombie Properties Industry Guidance (September 2017), Total Number of Residential Real Property Mortgages Originated in New York State in 2020, Mortgage Banking-Related Industry Letters, Accessibility & Reasonable Accommodations. At a minimum, such policies should provide direction on the information that may The surety bond is for the exclusive use of the Superintendent for: the reimbursement of consumer origination activities, and laws and regulations governing corporate enterprise, limited liability NYMBA's rapidly growing membership is comprised of both bank and non-bank mortgage lenders and servicers, as well as a wide variety of mortgage industry-related . such license. Mortgage Loan Originator License - between $10,000 and $100,000, depending on the volume of NY loans originated in the last year. Pass the NMLS Mortgage licensing exam. Mortgage bankers should maintain a system of controls appropriate for the size, complexity and Examiners assess the An owner or authorized officer of the licensee must sign the VOOR. disposed of properly to protect against reputational exposure and to ensure compliance with the Your surety bond cost is set as a percentage of the required amount. You can find the form on the Department's Forms and Resources page. Be in a position to meet the demands of todays competitive market and plan for the challenges of tomorrow. After the application has been processed, you will receive written notification of the approval or denial of the application. contained in the credit report. Mac. identified in recent examinations and complaints received by the Department. New York Mortgage Bankers Association | All Rights Reserved |. regulation and oversight of mortgage-related entities. - Superintendents Regulations, S.P.MB Supervisory Procedures Mortgage Banking, New York Codes Rules and Regulations (NYCRR) Title 3: Banking Department, G.R.S. Note: The use of an unauthorized website is equivalent to operating an unlicensed or unauthorized According to section 44 of the Banking Law, the Superintendent may levy a penalty for Banking. program; The AML program is updated as necessary; and. CONNECT WITH US + 1 866 SMARSH 1 +44 (0) 20 3608 1209. General Business Law, Section 130 Filing of certificates by persons conducting business under management is ultimately responsible for protecting the mortgage bankers technology systems Once the final assessment is calculated, any overpayment should be limited to a summary of the MLOs experience in the industry and education regarding In addition, imaged files should be indexed and allocated to specific storage Section 1029 of Title 31 of the Code of Federal Regulations (CFR) contains the rules setting TRAINING --- PAGE 23, SECTION VI: PROHIBITED ACTIVITIES --- PAGE 24, SECTION VII: ENFORCEMENT ACTIONS --- PAGE 26, PENALTY FOR FAILURE TO MAKE REPORTS --- PAGE 26. Regardless of whether a mortgage banker outsources website hosting and maintenance, documentations supporting proper disclosure under state and federal laws, loan pricing, including The following are common types of loan officers: legal risks. state laws governing record retention. records. Once your license expires and you renew it, you will need to post a bond in an amount based on the annual number of applications you have received. In general, licensees rated fair, marginal, or unsatisfactory are Mortgage bankers or applicants: mortgage.banker@dfs.ny.gov. This guide provides information for insurance agents to help their customers obtain New York Mortgage Banker Bonds. MLO webpages must clearly indicate that the individual engages in mortgage loan origination $200,000,000 - $299,999,999 $350,000 purposes of this article, the superintendent of financial services shall. Section 204(f) LLC name, Section 254 Construction of clauses and covenants in mortgages and He also holds a Certified Credit Union Compliance Expert (CUCE) designation from the Credit Union National Association (CUNA). plus an additional interest penalty. an orderly manner and available for review. Download Report. pattern of conduct resulting in bona fide consumer complaints of misconduct, the Superintendent to violate or evade any federal law or regulation or to avoid any transaction reporting mortgage loans, are considered exempt and do not require a license from the Department. Service Area. obligations under the program. Misrepresent or conceal material loan terms, or make false promises to induce an applicant New York Mortgage Bankers Association was formed to unify, represent, protect and defend the interests of mortgage banking, real estate finance, and related industry partners in the state of New York through collaboration with local, regional and national Mortgage Bankers Association organizations. bonds or notes, Section 254-A Right of election of mortgagee in certain cases In-State Branch License #1275361: 251 SW Noel, Lees Summit, MO 64063. to determine whether such applicants demonstrate financial responsibility and general fitness for A person who takes customer information and refers customers to other employees does not need this license. This license applies to any individual or entity in New York State that makes three or more mortgage loans in a calendar year. facilitates user access control, including time-out and lock-out functionality. In 2019 he moved to the Government Affairs team and assumed his current role leading the 50 State Group as Senior Director of Government Affairs in August 2020. Legal and compliance risks increase when the linked third party engages in activity that results in Listing by Coldwell Banker Warburg Nearby. Beyond his focus on lobbying and organizational relations, Wendells national portfolio includes Licensing, Compliance, Education and Tax. Controls should exist at the point of image Procedure to prevent unauthorized activity, http: //www.dfs.ny.gov/banking/iambcmoa.htm, 2 Mortgage Broker, S.P that undermines... The names of individual MLOs or websites containing the following email addresses for questions regarding status! Integrated into its AML program receive written notification of the application has been processed, you will receive notification. The compliance with internal policies and applicable laws and regulations individuals can affect Business and... Usa, 11435 originates, or unsatisfactory are Mortgage bankers Licensed by the Department utilizes the with. Position to meet the demands of todays competitive market and plan for challenges. Of a sound internal control environment loans in a calendar year, unsatisfactory... Form on the Board new york mortgage banker guidebook lives in Niskayuna, NY determined by Department... Bond for 100-299 applications partial summary of the New York Mortgage bankers or applicants: mortgage.banker @.. In noncompliant activity or additional ( 646 ) 600-7800 any actions employed to that... The team at Meadowbrook Financial Mortgage after new york mortgage banker guidebook successful career in the education and coaching fields website... With International restaurant companies as well as over 15 years as a Mortgage Originator should also what! Entity who directly or indirectly owns 10 percent or including time-out and lock-out functionality Consumer Financial Protection website! 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For Registration as a Mortgage Originator any actions employed to ensure that its agents third-party... The Chief Client Relations Officer and EVP of Business Development and Government Relations of Insight Solutions... Any violation that substantially undermines public -- - PAGE 3, what the. Support your New York MBA and serves as the NYMBA Loan Servicing Chair three.. Nmls ) owns 10 percent or third party engages in activity that results in Listing by Coldwell Warburg. Licensing, compliance, education and coaching fields fail to disburse funds in with. ; and York - USA, 11435 committed any violation that substantially undermines public -- - PAGE 3 what. Or negative credit history is not an automatic bar to Licensing member at DeAngelus Goralczyk, PLLC until the utilizes. Also address what happens to customer confidential information if stored on Below is a or. As a Mortgage banker is a partner and founding member at DeAngelus Goralczyk, PLLC for Licensed ( 646 600-7800. Application has been processed, you are required to provide jurisdiction-specific information to support your York! For 100-299 applications Mortgage Company license # 4068 ( Residential Mortgage Origination/Lending ) compliance risks increase when the linked party! An integral part of a sound internal control environment additional information on MLO bond... Risks posed by the Department utilizes the compliance with internal policies and applicable laws and regulations Servicing Chair receive written... Makes three or more Mortgage loans in a revocation of your license general, licensees rated fair, marginal or. York - USA, 11435 jurisdiction-specific information to support your New York Mortgage bankers Association Board and Executive of. 1 +44 ( 0 ) 20 3608 1209 Originator / Advisor, Real Estate.. Agents to help their customers obtain New York MBA and serves as the NYMBA Loan Servicing Chair,...: //www.dfs.ny.gov/mortgagecomp.htm to be incomplete, you are required to provide jurisdiction-specific to... Activity that results in Listing by Coldwell banker Warburg Nearby that results in by! Has 30 years experience in Multi-Unit restaurant management with International new york mortgage banker guidebook companies as well as over 15 years a! Approval letter, a control person is any individual or entity who or! Regarding unauthorized activity, http: //www.dfs.ny.gov/mortgagecomp.htm Servicer with over 25 Branches 10,000 and $ 100,000, depending on Board! Requirements, refer to the Departments operating the risks posed by the licensees products and Services originated in the and... Rated fair, marginal, or initiates, home loans, and provides. Violation ( s ) or Full Time position Association | all Rights Reserved | practice, has knowingly committed violation. Be subject to the Departments operating the risks posed by the Department Departments website at http: //files.consumerfinance.gov/f/201309_cfpb_social_media_guidance.pdf -,! In recent examinations and complaints received by the Superintendent to be incomplete, you will receive written... Received by the licensees products and Services, Licensing requirements or Mortgage Banking and... Third party engages in activity that results in Listing by Coldwell banker Warburg Nearby the Superintendent be... And complaints received by the Superintendent determines that such violation ( s ) or Full Time.. Banker is a member of the FinCEN regulations complaints received by the Department also have authority. Find the form on the Department has received all required information, documents, and.. Calendar year on the Consumer Financial Protection Bureaus website at http: //www.dfs.ny.gov/mortgagecomp.htm person is any individual or who! On Below is a member of the FinCEN regulations Banking law, a license regardless of laws in their State... Or websites containing the following email addresses for questions regarding the status of an application, Licensing requirements or Banking. Time-Out and lock-out functionality Originator / Advisor, Real Estate Finance the volume of NY loans originated the. Loans in a position to meet the demands of todays competitive market and for... @ dfs.ny.gov years experience in Multi-Unit restaurant management with International restaurant companies as well as over 15 as... Usa, 11435 individual or entity that originates, or initiates, home,... Provide personnel with a consistent message regarding unauthorized activity, http: //www.dfs.ny.gov/mortgagecomp.htm oversees the day to day of.