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Weekly Bulletin
March 26, 2010

SECTION I

This section records the receipt of applications and notices to the Banking Department.   Applications and notices received by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services Divisions are listed in order of date of receipt; applications and notices received by the Mortgage Banking Division 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 BANKING DEPARTMENT.  Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Banking 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 The Secretary of the New York State Banking Board, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to BBSecretary@banking.state.ny.us. This Weekly Bulletin may also be viewed online at the Banking Department’s Web site at:  http://www.banking.state.ny.us

SECTION II

This section records actions taken by the Superintendent of Banks and/or the Banking Board, and other information concerning the activities of the Banking Department.  Actions relating to institutions supervised by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services Divisions are listed in order of date of action; actions relating to institutions supervised by the Mortgage Banking Division are listed at the end of Section II by type of action taken.

SECTION III

This section provides notification of the filing by federally-chartered institutions of applications for new branches to be located in New York received from Mr. Toney Bland, Deputy Comptroller, Office of the Comptroller of the Currency, 340 Madison Avenue, 5th Floor, New York, NY  10017 and Mr. Brian Steffey, Office of Thrift Supervision, Harborside Financial Center Plaza Five, Suite 1600, Jersey City, NJ 07311.  Any comment or objection in relation to any application in Section III should be communicated immediately to the supervisor of the institution involved, with a copy furnished to this office.  This section is provided as a courtesy to New York State-regulated banking institutions; additional information relating to federally-chartered institutions is available in the Office of the Comptroller of the Currency’s Weekly Bulletin or its Web site:  http://www.occ.treas.govand via the Office of Thrift Supervision’s Web site at: http://www.ots.treas.gov.

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 Banking Department Division which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:

Institution Codes

BK = Bank
TR = Trust Company
PB = Private Banker
SD = Safe Deposit Company
HC = Holding Company
SB = Savings Bank
MK = Merchant Bank
SL = Savings and Loan Association
CU = Credit Union
IC = Investment Company
FA = Foreign Agency

FB = Foreign Branch
FR = Foreign Representative Office
PR = Premium Finance Agency
SF = Sales Finance Agency
LL = Licensed Lender
TM = Transmitter of Money
BP = Budget Planner
CC = Check Casher
MB = Mortgage Banker
BR = Mortgage Broker
MS = Miscellaneous

Division Codes

FWB = Foreign and Wholesale Banks Division
CRB = Community and Regional Banks Division
LFS = Licensed Financial Services Division
MBD = Mortgage Banking Division
CSD = Consumer Services Division


SECTION l

March 19, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notices of intention to close branch offices at the following two locations, received:

  1. 424 West Ridge Road, Rochester, Monroe County, NY 14615; and
  2. Tops Markets Inc., 345 Amherst Street, Buffalo, Erie County, NY 14207.

The comment periods on these notices will expire April 26, 2010.


March 23, 2010 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Notice of intention to close branch office at 1010 Morris Park Avenue, Borough of Bronx, City of New York 10462, received.

The comment period on this notice will expire April 26, 2010.


March 24, 2010 (TR-FWB)
THE BANK OF NEW YORK MELLON
One Wall Street, New York, NY 10005

Application dated March 16, 2010 for permission to change the location of branch office from 95 Wellington Street West, Toronto, Ontario, Canada to 320 Bay Street, Toronto, Ontario, Canada, received.


March 26, 2010 (MS-CRB)
MICHAEL J. A. SMITH
Maywood, NJ 07607

Application, pursuant to Section 143-b of the Banking Law, for Michael J. A. Smith to acquire control of Alma Bank, Astoria, New York, received.    

The comment period on this notice will expire on April 26, 2010.


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

March 24, 2010 (BR-MBD)
Applicant(s)
Taylor R. Woods
As: Genpact Mortgage Services, Inc.
General Atlantic
Oak Hill
15420 Laguna Canyon Road, Suite 100, Irvine, CA 92618 2120


Application to engage in the business of a Mortgage Banker under Article 12-D of the New York State Banking Law received for examination amended to read as follows:

January 27, 2009 (MB-MBD)
From: Applicant(s)
Hugh Miller
Richard Blass
Marc Evan Miller
Lee Lawrence Miller
Jonathan Ilany
Matthew Joseph Marz
As: Reliance First Capital, LLC
100 Baylis Road, Suite 150, Melville, NY 11747

To:
March 19, 2010 (MB-MBD)
Applicant(s)
Hugh Miller
Richard Blass
Marc Evan Miller
Lee Lawrence Miller
Jonathan Ilany
Matthew Joseph Marziani (formerly known as Matthew Joseph Marz)
As: Reliance First Capital, LLC
100 Baylis Road, Suite 150, Melville, NY 11747


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

March 11, 2010 (MLS-MBD)
Applicant(s)
Gregory J. Boester
Christopher S. Miller
Richard S. Mazzella
Citadel Wellington LLC
As: Bridgefield Mortgage Corporation
7101 College Blvd, Suite 1400, Overland Park, KS 66210


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

March 22, 2010 (MB-MBD)
Full Service Branch
PHH Home Loans, LLC D/B/A Coldwell Banker Home Loans
Additional DBA(S): ERA Home Loans
Cartus Home Loans
15 West Main Street, Waterloo, NY 13165

March 22, 2010 (MB-MBD)
Full Service Branch
Syracuse Securities, Inc.
8600 Main Street, Suites 02 and 03, Williamsville, NY 14221


Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent’s Regulations for a control interest withdrawn:

March 24, 2010 (BR-MBD)
Inja Yoon Mok acquiring 100% of NewLife Financial Company, Inc.
162-23 Depot Road, 2nd Floor, Flushing, NY 11358

Effective Date: January 20, 2010

Article 12-E Applications received after July 11, 2009. Each individual listed may not engage in mortgage loan origination activities until notified in writing that he or she may do so. In addition, all such individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009).  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. 

October 12, 2009

Bryan Nobunori  Iijima

Cerritos

CA

November 09, 2009

Satish    Chawla

Douglaston

NY

November 17, 2009

Robert  A  Martufi

N Providence

RI

November 17, 2009

Robert  Martin  Roth

Irvington

NY

November 17, 2009

Timothy  Andrew  Galu

Rowayton

CT

November 17, 2009

Aaron    Stiefel

Englewood

NJ

November 17, 2009

Marion  Petra  Wallace

Forest Hills

NY

November 19, 2009

Peter  Junior  Ettienne

Brooklyn

NY

November 19, 2009

Hubert  M.  Regnier

Brooklyn

NY

November 20, 2009

Pascale    Medor

Jamaica Estates

NY

November 20, 2009

John Edward Predmore

Fairport

NY

November 20, 2009

Galo    Conde

Richmond Hill

NY

November 20, 2009

Jonette  Lynn  Suiter

Brooklyn

NY

November 24, 2009

Jessie  Mae  Stringfield

New York

NY

November 25, 2009

Brenda  Sue  Bennett

Clifton Park

NY

November 25, 2009

Charmaine    Phillips

Inwood

NY

November 25, 2009

Carlton Jason  Abrams

Far Rockaway

NY

November 25, 2009

Hope Theresa Mcgibbon

Brooklyn

NY

November 30, 2009

Geroge  T  Wu

Flushing

NY

November 30, 2009

Marvington  A  Isles

Mount Vernon

NY

December 23, 2009

Michael James  Mulhern

Baldwin

NY

December 23, 2009

Roberto Lupi

Hopewell Junction

NY

December 30, 2009

Seth Kramer

Roslyn

NY

December 30, 2009

Craig Hyman

New York

NY

January 15, 2010

Eric Anderson

Dublin

OH

January 18, 2010

Howard Greenberg

East North Port

NY

January 21, 2010

Mohammed Ashraful Alam

Princeton

NJ

January 06, 2010

Ciro    Barone

Colts Neck

NJ

January 25, 2010

Jill    Sinatra

Muttontown

NY

January 27, 2010

Jhony  C  Siu

Elmhurst

NY

January 28, 2010

Stacie    Handwerker

New York

NY

January 28, 2010

Stephanie  Lynn  Miller

Cohoes

NY

February 01, 2010

Jane  Marie  Ribera

Massapequa

NY

February 01, 2010

Victoria  Rose  Graf

Saratoga Springs

NY

February 03, 2010

Jesse  William  Harwick

Westport

CT

February 09, 2010

Kent  E  Arline  Jr.

Voorhees

NJ

March 02, 2010

Dropatte Rampersaud

Jamaica

NY


SECTION II

March 8, 2010 (CC-LFS)
HILTON CHECK CASHING, CORP. 
116A Fulton Avenue, Hempstead, NY 11550     

A license was issued to change the location of doing business as a licensed casher of checks to 400-D Fulton Avenue, Hempstead, NY 11550 from 393 Fulton Avenue, Hempstead, NY 11550.         

In connection with the above license issuance, the original check casher license for 393 Fulton Avenue, Hempstead, NY 11550 was surrendered.


March 12, 2010 (CC-LFS)
INNER CITY CHECK CASHING & PAYROLL SERVICES CORP. 
622 A Main Street, New Rochelle, NY 10801    

A license was issued to engage in business as a licensed casher of checks, as a result of the purchase of certain assets of Melissa Check Cashing Corp. at 196-13 Linden Boulevard, St. Albans, NY 11412.      

In connection with the above license issuance, the original check casher license in the name of Melissa Check Cashing Corp at that location was surrendered.


March 12, 2010 (CC-LFS)
INNER CITY CHECK CASHING & PAYROLL SERVICES CORP. 
622 A Main Street, New Rochelle, NY 10801    

A license was issued to engage in business as a licensed casher of checks, as a result of the purchase of certain assets of Melissa Check Cashing Corp. at 135-07 Liberty Avenue, Richmond Hill, NY 11418.      

In connection with the above license issuance, the original check casher license in the name of Melissa Check Cashing Corp. at that location was surrendered.


March 19, 2010 (CC-LFS)
WESTERN NEW YORK CHECK SERVICES LLC
675 Fillmore Avenue, Buffalo, NY 14212

A license was issued to do business as a licensed casher of checks at 675 Fillmore Avenue, Buffalo, NY 14212.


March 19, 2010 (CC-LFS)
V & R PAYROLL FACTORS, INC.
369 West 35th Street, New York, NY 10001

A license was issued to engage in business as a licensed commercial casher of checks at 369 West 35th Street, New York, NY 10001.


March 19, 2010 (CC-LFS)
CONEY ISLAND PAYROLL SERVICES INC.
1122 Coney Island Avenue, Brooklyn, NY 11230

A license was issued to engage in business as a licensed commercial casher of checks at 1122 Coney Island Avenue, Brooklyn, NY 11230.


March 24, 2010 (TM-LFS)
MONEY TRANSFER ACQUISITON, INC.
1270 Avenue of the Americas, Suite 2200, New York, NY 10020

Application for the Superintendent’s prior approval of a change of control of Dolex Dollar Express, Inc. a licensed money transmitter has been approved.


March 24, 2010 (SF-LFS)
RESPECT FINANCIAL, INC.
888 Troy-Schenectady Road, Latham, Albany County, New York 12110

License issued to engage in business as a sales finance company at 888 Troy- Schenectady Road, Latham. New York 12110.


March 25, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization granting permission to establish, maintain, and operate a public accommodation office at 1110 Union Road, Southgate Plaza, Town of West Seneca, Erie County, NY 14224 as an adjunct to branch office at 1110 Union Road, Southgate Plaza, Town of West Seneca, Erie County, NY 14224, surrendered for cancellation.

Office discontinued as of March 20, 2010.


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

March 18, 2010 (BR-MBD)
TriState Associates of New York In Lieu of True Name TriState Lending, Inc.
143 West Street, Unit U, New Milford, CT 06776 3599


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

March 23, 2010 (BR-MBD)
H & B Equities Assoc. Inc.
171-21 Jamaica Avenue, Jamaica, NY 11432
Effective Date: March 15, 2010

March 23, 2010 (BR-MBD)
Paramount Equities Group, Inc.
1013 Brown Street, Peekskill, NY 10566
Effective Date: March 16, 2010

March 23, 2010 (BR-MBD)
Hamilton Mortgage Company U/F/N Hamilton Mortgage Company of Connecticut
724 Danbury Road, Ridgefield, CT 06877
Effective Date: March 23, 2010

March 23, 2010 (BR-MBD)
Liberty Home Funding Inc.
Four South Main Street, Suite 2, Pittsford, NY 14534
Effective Date: March 02, 2010

March 23, 2010 (BR-MBD)
Athena Maraio Inc. D/B/A Madison Capital
473 Union Street, Suite 1, Brooklyn, NY 11231 5021
Effective Date: March 16, 2010

March 23, 2010 (BR-MBD)
Sheila E. Small D/B/A Robasi Funding
Station Plaza, Suite 2FL, New Rochelle, NY 10801 5653
Effective Date: March 15, 2010

March 23, 2010 (BR-MBD)
Equity United Mortgage Corporation
3440 Ellicott Center Drive, Ellicott City, MD 21043 4155
Effective Date: March 15, 2010

March 23, 2010 (BR-MBD)
Smart Capital Funding Corp.
249 Route 59, Suffern, NY 10901 5312
Effective Date: March 10, 2010

March 24, 2010 (BR-MBD)
Jackl Enterprises Incorporated D/B/A Adelphi Financial Group
1275 Harlem Road, Cheektowaga, NY 14206
Effective Date: March 16, 2010


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

March 24, 2010 (MB-MBD)
Mortgage Links Inc.
2043 Richmond Avenue, Staten Island, NY 10314
Effective Date: March 23, 2010


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

March 18, 2010 (BR-MBD)
Full Service Branch
Talk Town Funding Ltd.
2314 Coney Island Avenue, Brooklyn, NY 11223
Effective Date: March 18, 2010

March 18, 2010 (BR-MBD)
Full Service Branch
Upscale Equities, Inc.
1373 Coney Island Avenue, Brooklyn, NY 11230
Effective Date: March 11, 2010

March 23, 2010 (BR-MBD)
Full Service Branch
Liberty Home Funding Inc.
58 Park Street, Walton, NY 13856
Effective Date: March 02, 2010

March 24, 2010 (BR-MBD)
Full Service Branch
Lyncrest Funding Inc.
10 East 39th Street, Room 1124, New York, NY 10123
Effective Date: March 24, 2010


The following have been reinstated to the role of registered mortgage brokers. New mortgage brokerage residential property business may now be resumed:

March 18, 2010 (BR-MBD)
New B Inc. DBA New Beginnings Enterprises
33 Main Street, Hempstead, NY 11550

March 19, 2010 (BR-MBD)
Paul J. Barnes D/B/A Hestia Mortgage Company
389 West Route 59, Suite 1, Spring Valley, NY 10977

March 19, 2010 (BR-MBD)
MoneyLine New York, LLC
311 Alexander Street - Suite 214, Rochester, NY 14604

March 19, 2010 (BR-MBD)
Noblemen, Inc.
819 McLean Avenue, Store Front, Yonkers, NY 10704 3866

March 19, 2010 (BR-MBD)
Sovereign Mortgage Group LLC
112 Parkway Drive South, Suite A, Hauppauge, NY 11788 2012

March 19, 2010 (BR-MBD)
Efficiency Mortgage Services, Ltd.
135-40 Rockaway Boulevard, Suite 201, South Ozone Park, NY 11420 3023

March 19, 2010 (BR-MBD)
Private Sector Solutions, Inc.
120 Bethpage Road, Suite 304, Hicksville, NY 11801 1515

March 19, 2010 (BR-MBD)
Cornerstone Capital Mortgage & Real Estate Services Inc.
636 Kings Highway, 2nd Floor, Fairfield, CT 06825 4815

March 23, 2010 (BR-MBD)
Adelphi Mortgage Co., Inc.
5310 Church Avenue, Brooklyn, NY 11203 3609

March 24, 2010 (BR-MBD)
DFC Consultants, Inc. D/B/A All Credit Funding
375 Commack Road, Suite 200, Deer Park, NY 11729


Application to assume inactive status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

March 23, 2010 (BR-MBD)
Oxford Wellington Co. Ltd.
237 West 35th Street, Suite 300, New York, NY 10001
Effective Date: March 23, 2010

March 23, 2010 (BR-MBD)
Louis P. Cafiero DBA Westside Mortgage
88 Rockaway Avenue, Suite 201, Valley Stream, NY 11580
Effective Date: March 23, 2010

March 23, 2010 (BR-MBD)
Central Capital Funding, Inc.
75-35 31st Avenue, Suite 201, Jackson Heights, NY 11370
Effective Date: March 23, 2010


Mortgage Broker Certificate Address Changes:

March 18, 2010 (BR-MBD)
River's Edge Mortgage, LLC
From: 91 Main Street, 2nd Floor, Monroe, CT 06468
To: 731 Main Street, Suite 2D3, Monroe, CT 06468 2872

March 24, 2010 (BR-MBD)
Lyncrest Funding Inc.
From: 2 Executive Boulevard, Suite 204-B, Suffern, NY 10901
To: 100 Lawrence Street, Suite 110, Nanuet, NY 10954 5035


Mortgage Broker Branch Certificate Address Changes:

March 18, 2010 (BR-MBD)
East Coast Capital Corp.
From: 79 Hudson Street, Hoboken, NJ 07030
To: 109 10th Street, Hoboken, NJ 07030


Mortgage Banker Branch License Address Changes:

March 24, 2010 (MB-MBD)
Mortgage Enterprise, Ltd.
From: 100 Ring Road, Suite 101, Office D, Garden City, NY 11530
To: 100 Ring Road West, Penthouse Suite, Garden City, NY 11530


Article 12-E Applications filed prior to July 11, 2009 and deemed complete by the Superintendent.  Each individual listed may engage in mortgage loan origination activities on a temporary basis until such time as the Superintendent approves or denies his/her application or the application is withdrawn. In addition, all such individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009). 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.

March 27, 2008

Charles Masse

Trumbull

CT

June 26, 2008

Shelly Louise DiGiulio

Synder

NY

June 27, 2008

Erika  Marie  Carlo

Schaghticoke

NY

July 10 2008

Muneshwar    Ragbar

Elmont

NY

August 26, 2008

Brenda    Falcone

Rockleigh

NJ

September 10, 2008

Daniel  Lester  Cole

Schenectady

NY

October 02, 2008

John  A  Sanzone  Sr

Saratoga Springs

NY


Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law.

16441

Lisa Marie Durand

ALBANY FUNDING, INC.

6108

Damaris Galarza

FIRST ALLIED MORTGAGE

16386

Sookrani Sattie Narain

NATIONS FUNDING SOURCE, INC.

20532

Angela D. Lindemann

CONTINENTAL HOME LOANS INC. D/B/A SENIOR HOME LOANS

4866

Lisa Vitale

EURO MORTGAGE BANKERS, INC.

16415

Charles C. Bradford

MORTGAGE MASTER, INC.


Applications for authorization 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:

January 27, 2010

Juiio Bernal-Ventura

Massapequa

NY

March 18, 2010

Debra Beth  Schuman

Melville

NY

March 18, 2010

Sarah Lambert

Walled Lake

MI

March 18, 2010

Pavel Yusenko

Agawam

MA

March 18, 2010

Cynthia Renee Leonard

Alpharetta

GA

March 18, 2010

Andrew Scibilia

Medford

NJ

March 18, 2010

Steven Medici

Anaheim

CA

March 18, 2010

Nancy Dorothy Kloska

Sayville

NY

March 18, 2010

Michelle Jackubowski

Rochester

NY


THERE ARE NO SECTION III ITEMS THIS WEEK.