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Weekly Bulletin
April 30, 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

April 21, 2010 (FB-FWB)
THE ROYAL BANK OF SCOTLAND N.V.
Gustav Mahlerlaan 10, 1082 PP Amsterdam, The Netherlands

Notice of intention to close its Limited Branch office located at 565 Fifth Avenue, New York, New York 10017, received.

The comment period on this notice will expire on May 21, 2010.


April 26, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated April 22, 2010 for permission to open and occupy a branch office at 12161 Rockville Pike, Rockville, Montgomery County, MD 20852, received.


April 28, 2010 (TR-CRB)
HABIB AMERICAN BANK
99 Madison Avenue, New York, NY  10016

Application dated April 26, 2010 for permission to open and occupy a branch office at 112-17/19 Liberty Avenue, Richmond Hill, Borough of Queens, City of New York 11419, received.


April 29, 2010 (CC-LFS)
G.M.S. CHECK CASHING CORP. 
749-B Suffolk Avenue, Brentwood, NY 11717

An application was received for a license to engage in business as a licensed casher of checks.

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.

Any comments or objections should be submitted in writing, within 10 business days, by May 14, 2010.


April 29, 2010 (TR-FWB)
GOLDMAN SACHS BANK USA
85 Broad Street, New York, NY 10004

Application dated April 27, 2010 for permission to change the designation of principal office located at 85 Broad Street, Borough of Manhattan, City of New York 10004 to that of branch office, and of branch office located at 200 West Street, Borough of Manhattan, City of New York 10282 to that of principal office, received.


April 29, 2010 (TR-FWB)
GOLDMAN SACHS BANK USA
85 Broad Street, New York, NY 10004

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

  1. 85 Broad Street, Borough of Manhattan, City of New York 10004; and
  2. One New York Plaza, Borough of Manhattan, City of New York 10004.

The comment periods on these notices will expire June 1, 2010.

(The office at 85 Broad Street is currently the principal office of Goldman Sachs Bank USA.  This office is to be designated as a branch office prior to its closing.)


April 30, 2010 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY 11791

An application was received for a license to engage in business as a licensed casher of checks at 105-16 Cross Bay Boulevard, Ozone Park, NY  11417 in connection with the purchase of certain assets of Cross Bay Check Cashing Corp.

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.

Any comments or objections should be submitted in writing, within 10 ten business days, by May, 14, 2010.


April 30, 2010 (FB-FWB)
BNP PARIBAS
16, boulevard des Italiens, Paris, France

A notice, pursuant to Section 200 of the Banking Law to establish and maintain an additional branch office at 520 Madison Avenue, Borough of Manhattan, City of New York 10022, received.


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:

April 22, 2010 (MB-MBD)
From: Applicant(s)
Chau Ngoc Lam
As: MortgageClose.com, Inc.
1855 West Katella Avenue, Suite 200, Orange, CA 92867

To: MortgageClose.com, Inc.
1600 North Broadway, Suite 500, Santa Ana, CA 92706


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. 

April 16, 2009

Joseph  Anthony  Allen

Franklin Square

NY

August 04, 2009

Denson Anthony Rollocks 

Brooklyn

NY

September 22, 2009

James  Hewlett  Madsen

San Diego

CA

November 05, 2009

Deonna L. Bernard

Cohoes

NY

November 17, 2009

Zelice  Maire  Barclift

W Babylon

NY

November 19, 2009

Julious  Fershela  Smith

Elmsford

NY

November 19, 2009

Georgie  Juanita  Elliott

Bronx

NY

November 20, 2009

Richard  A  Brown

Hollis

NY

November 20, 2009

Blanca Iris Moreno-Gonzalez

Bronx

NY

November 24, 2009

Marlene Terranova

Stamford

CT

December 07, 2009

Nazmoon   Karim

South Ozone Park

NY

December 31, 2009

Richard  P Josephs  Jr.

Oriskany

NY

January 20, 2010

William  F  Chase

Fort Salonga

NY

February 03, 2010

Raphael N Jean-Francois

Holtsville

NY

February  04, 2010

David Jayson Warren

Muttontown

NY

February  14, 2010

Maria  Paquette

Staten Island

NY

February  12, 2010

Daniel Scott Blydenburgh

Islip Terrace

NY

February 19, 2010

Singh Lake Trinity

Howard Beach

NY

March  03, 2010

David O Agbeti

Bronx

NY

March  09, 2010

Michael O Ajeleti

Far Rockaway

NY

March  15, 2010

Ronald  Paul Oteri

Yonkers

NY

March  15, 2010

Peter M Caspari

Syracuse

NY


SECTION II

April 18, 2010 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY 11791

License to engage in business as casher of checks at 200 West 14th Street, New York, NY 10011 was surrendered.


April 20, 2010 (PF-LFS)
PREMCO FINANCIAL CORPORATION, INC.
9490 Almena Drive, Kalamazoo, MI 49009

A license was issued to engage in business as a premium finance agency.


April 21, 2010 (SF-LFS)
UNITED AUTO CREDIT CORPORATION
18191 Von Karman Avenue, Suite 300, Irvine, Orange County, California 92612

A sales finance company license was issued for a branch office change of location from 25 Hazelwood Drive, Suite 104, Amherst, Erie County, New York 14228 to head office at 1891 Von Karman Avenue, Suite 300, Irvine, Orange County, California 92612.

In conjunction with the above license issuance, the licensee executed a lost license affidavit for the license rider issued for 25 Hazelwood Drive, Suite 104, Amherst, Erie County, New York 14228.


April 22, 2010 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY 11791

Application for a license to engage in business as a licensed casher of checks at 260 N. Saw Mill River Road, Elmsford, NY 10523 in connection with the purchase of certain assets of Samaras Check Cashing Corp. was withdrawn.


April 22, 2010 (BK-CRB)
USA BANK
601 North Main Street, Port Chester, NY 10573

The New York Banking Department issued a Cease and Desist Order to USA Bank pursuant to Section 39 of the New York Banking Law, effective April 22, 2010.


April 22, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Approval given to change temporarily the location of branch office from 10090 Southern Maryland Boulevard, Dunkirk, Calvert County, MD 20754 to 10068 Southern Maryland Boulevard, Dunkirk, Calvert County, MD 20754, on or after April 23, 2010.


April 23, 2010 (MS-CRB)
BEAL BANK, SSB
6000 Legacy Drive, Plano, TX 75024

Authorization issued to open and occupy a branch office at 1122 Franklin Avenue, Garden City, Nassau County, NY 11530, on or after April 24, 2010.


April 23, 2010 (CC-LFS)
COLLEGE POINT CHECK CASHING, INC.
18-30 College Point Boulevard, College Point, NY 11356

A license was issued to operate a limited station casher of checks at Cavalry Hospital, 1740 Eastchester Road, Bronx, NY 10461.


April 23, 2010 (TM-LFS)
NOTEWORLD LLC, U/A/N NOTEWORLD SERVICING CENTER
1001 Pacific Avenue, Suite 200, Tacoma, WA 98402

Application for a license to engage in business as a transmitter of money was approved.


April 26, 2010 (PF-LFS)
PLAINVIEW PREMIUM FINANCE COMPANY, INC.
131 East Ames Court, Plainview, NY 11803

License rider issued to reflect the change of location to 68 South Service Road, Suite 450, Melville, Suffolk County, NY 11747.


April 27, 2010 (LL-LFS)
SANTANDER CONSUMER USA, INC. D/B/A SANTANDER AUTO FINANCE
D/B/A DRIVE FINANCIAL D/B/A ROADLOANS
8585 N. Stemmons Freeway, Suite 1100-N, Dallas, TX 75247

An application for a license to engage in business as a licensed lender was approved.


April 27, 2010 (CC-LFS)
UNITED FACTORING, LLC
2972 Nostrand Avenue, Brooklyn, NY 11229

A license was issued to engage in business as a licensed commercial casher of checks at 2972 Nostrand Avenue, Brooklyn, NY 11229.


April 28, 2010 (PF-LFS)
PREMIUM FINANCE SPECIALISTS, INC.
427 West 12th Street, Suite 100, Kansas City, MO 64105

Application to acquire 14 branch offices of AICCO, Inc. and 1 branch office of A.I. Credit Corp., as published in the weekly bulletin of February 5, 2010, is now modified to reflect an acquisition of only 9 branch offices of AICCO, Inc. and 1 branch office of A.I. Credit Corp.

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.


April 28, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following two locations, surrendered for cancellation:

  1. 361 Eisenhower Drive, Hanover, York County, PA 17331; and
  2. 5234 York Avenue, Baltimore, MD 21212.

Offices discontinued as of April 16, 2010.


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

April 27, 2010 (BR-MBD)
Carrington Mortgage Services, LLC
1610 East St. Andrew Place, Suite B-150, Santa Ana, CA 92705 4931


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

April 28, 2010 (MB-MBD)
Academy Mortgage Corp.
105 Conklin Street, Farmingdale, NY 11735 2505


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

April 27, 2010 (BR-MBD)
Metro Equities Brokerage Corporation DBA JW Mortgages
200 Ballantine Parkway, Newark, NJ 07104 1406


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

April 26, 2010 (BR-MBD)
Prestige Home Sales, Inc.
175-61 Hillside Avenue, Suite 201, Jamaica Estates, NY 11432
Effective Date: April 12, 2010

April 26, 2010 (BR-MBD)
Jomar Funding Co.
1520 York Avenue, Apartment 11J, New York, NY 10028
Effective Date: April 12, 2010

April 26, 2010 (BR-MBD)
Frances Annette Villani DBA Your Choice Mortgage
67-31A 223rd Place, Bayside, NY 11364
Effective Date: April 20, 2010

April 26, 2010 (BR-MBD)
Proactive Management, Inc.
31-62 29th Street, Suite 1L, Astoria, NY 11106
Effective Date: April 14, 2010

April 26, 2010 (BR-MBD)
Elva Echeverria
98-09 Atlantic Avenue, Woodhaven, NY 11421 2736
Effective Date: April 16, 2010

April 26, 2010 (BR-MBD)
Excel Home Funding Inc.
93-54 Francis Lewis Boulevard, Queens Village, NY 11428
Effective Date: April 16, 2010

April 26, 2010 (BR-MBD)
Dynamic Equities Corp.
29 Getzel Berger Boulevard, Unit 201, Room #4, Monroe, NY 10950 6334
Effective Date: April 21, 2010

April 26, 2010 (BR-MBD)
Central Capital Funding, Inc.
75-35 31st Avenue, Suite 201, Jackson Heights, NY 11370
Effective Date: April 21, 2010

April 28, 2010 (BR-MBD)
Academy Mortgage Corp.
105 Conklin Street, Farmingdale, NY 11735 2505
Effective Date: April 28, 2010


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

April 22, 2010 (MB-MBD)
Full Service Branch
All American Home Mortgage Corp DBA All American Mortgage Bankers
75-20 Astoria Boulevard, Suite 370, Jackson Heights, NY 11370
Effective Date: April 21, 2010

April 22, 2010 (MB-MBD)
Full Service Branch
MLD Mortgage Inc. D/B/A The Money Store
Additional DBA(S): Mortgage Lending Direct
42 Richmond Terrace, Staten Island, NY 10301
Effective Date: April 21, 2010

April 22, 2010 (MB-MBD)
Full Service Branch
Mid-Island Mortgage Corp.
20 Gibson Place, Suite 101-B, Freehold, NJ 07728
Effective Date: April 22, 2010

April 27, 2010 (MB-MBD)
Full Service Branch
Generation Mortgage Company
3415 Old Highway 41, Suite 750, Kennesaw, GA 30144
Effective Date: April 23, 2010

April 28, 2010 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation d/b/a Jefferson Home Mortgage and Loan
150 Cooper Street, Suite 9D, West Berlin, NJ 08091
Effective Date: April 27, 2010


The following Mortgage Brokers are suspended effective April 23, 2010 for failure to maintain corporate surety bonds pursuant to Section 410.14 of Part 410 of the Superintendent's Regulations.

April 23, 2010 (BR-MBD)
Southwest Capital Corp.
66-18 Myrtle Avenue, Glendale, NY 11385

April 23, 2010 (BR-MBD)
Mcity Mortgage In Lieu of True Name Metro City Mortgage, Inc.
323 East Church Street, Orlando, FL 32801


The following Mortgage Broker has been re-instated from Suspension effective April 22, 2010.

April 26, 2010 (BR-MBD)
Bernard Neufville d/b/a Nu-Citi Funding
56 Harrison Street#301A, New Rochelle, NY 10801


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

April 22, 2010 (BR-MBD)
Michael C. Orlando
316 Bedford Avenue, Bellmore, NY 11710

April 23, 2010 (BR-MBD)
South Fork Funding, Inc.
3100 Veterans Memorial Highway, Bohemia, NY 11716

April 23, 2010 (BR-MBD)
Richard S Chiu
401 Broadway, Suite 309, New York, NY 10013

April 23, 2010 (BR-MBD)
Weatherstone Mortgage Corp.
255 Executive Drive, Suite 409, Plainview, NY 11803 1707

April 23, 2010 (BR-MBD)
Crossroad Capital Services, Inc.
686 Stoneleigh Avenue, Carmel, NY 10512 3923

April 26, 2010 (BR-MBD)
123 Money LLC U/A/N Guardian Mortgage Associates
333 Jericho Turnpike, Suite 310, Jericho, NY 11753
Branch Offices:
779 Suffolk Avenue, Brentwood, NY 11717

April 26, 2010 (BR-MBD)
Statewide Home Credit Corp.
515 DeKalb Avenue, 1st Floor, Brooklyn, NY 11205 4818

April 26, 2010 (BR-MBD)
Barnstable Mortgage Group, LLC
70 East Allendale Road, Saddle River, NJ 07458 3024

April 27, 2010 (BR-MBD)
Mid-Atlantic Mortgage Group, Ltd.
125 Washington Boulevard, Commack, NY 11725


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

April 22, 2010 (BR-MBD)
Christine A Korff D/B/A Christine Anna Korff
P.O. Box 947-269 Madison Avenue, Port Chester, NY 10573 2729
Effective Date: April 22, 2010

April 22, 2010 (BR-MBD)
BBC Financial Services, Inc.
412 Maple Avenue, Westbury, NY 11590 3291
Effective Date: April 22, 2010

April 22, 2010 (BR-MBD)
Northeast Residential Mortgage, L.L.C.
152 West Saddle River Road, Saddle River, NJ 07458 2619
Effective Date: April 22, 2010


Mortgage Broker Certificate Name Changes:

April 26, 2010 (BR-MBD)
From: Talk Town Funding Ltd.

To: Talk Town Funding Ltd.
Prime Interest Mortgage Company


Mortgage Banker License Name Changes:

April 26, 2010 (MB-MBD)
From: Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(s)
Presidents First Mortgage Bankers
Hancock First Mortgage Bankers
Kennedy First Mortgage Bankers
Senior Funding Group

To: Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(S): Presidents First Mortgage Bankers
Senior Funding Group


The following Registered Mortgage Broker has entered into a Settlement Agreement with the Banking Department, in lieu of a hearing for fine/or revocation of its mortgage broker registration, to settle violations of the General Regulations of the Banking Board (GRBB) Part 38 Section 38.2(e) which specifies that no mortgage broker may fraudulently or deceitfully advertise a mortgage loan, or misrepresent the terms, conditions or charges incidental to a mortgage loan in any advertisement. The Settlement Agreement terms and conditions include a fine of $10,000.

Upstate Capital Inc.
6522 Basile Rowe, East Syracuse, New York 13057
Date of Settlement Agreement: April 22, 2010


The following licensed mortgage banker has entered into a Settlement Agreement with the Banking Department, in lieu of a hearing for fine and/or revocation of its mortgage banker license, to settle violations of Regulation Z Truth in Lending Act Section 226.24(b) for failure to state the rate of finance as an "annual percentage rate" and Sections 38.2(e), and 38.2(b) of Part 38 of the General Regulations of the Banking Board ("GRBB"),  The Settlement Agreement terms and conditions include a fine of $7,000.

MLD Mortgage Inc. d/b/a  The Money Store
30 B Vreeland Road, Florham Park, NJ 07932
Date of Settlement Agreement: April 22, 2010


The following Registered Mortgage Broker has entered into a Settlement Agreement with the Banking Department, in lieu of a hearing for fine/or revocation of its mortgage broker registration, to settle violations of Section 590.2(c) of the New York Banking Law for opening and maintaining a branch office without the authorization of the Superintendent of Banks. The Settlement Agreement terms and conditions include a fine of $1,500.

AMG Mortgage In Lieu of True Name Advisors Mortgage Group, LLC
5114 Route 33, Wall, NJ 07727
Date of Settlement Agreement: April 22, 2010


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

22870

Jay  W  Gelb

ROCHESTER HOME EQUITY INC

25300

Daniel  Michael  Dacey

COMMUNITY ACCEPTANCE

25322

Steven  Brian  Horn  Sr.

RESIDENTIAL EQUITY FUNDING CORP.

26303

Beth    Zamiska

PARK AVENUE MORTGAGE GROUP, INC.

27870

Timothy  L  Ward

HOMESTEAD FINANCIAL SERVICES, INC.

36301

Mindy    Hausman

THE MANHATTAN MORTGAGE COMPANY

36311

Philip  A  Figler

THE MANHATTAN MORTGAGE COMPANY

35832

Sebastian  Benjamin  Murolo

JDI MORTGAGE CORP.

36622

Daniel  Richard  Coppola

AMERICAN PRESTIGE MORTGAGE CORP.

4543

Daniel  Baruch  Green

CARTERET MORTGAGE CORPORATION

32021

Barbara  H.  Virzi

BURR ENTERPRISES LTD. DBA

38752

Gary    Roth

PRECISION FINANCIAL, INC.

38684

Gregory  Alan  Topal

EQUITY SOURCE HOME LOANS, LLC

39875

Douglas  Charles  Petri

BENCHMARK FINANCIAL ASSOCIATES, INC.

24662

Nagji    Vira

PAYLESS MORTGAGE CORPORATION

44091

Frank  M  Mancuso

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

32003

Omeros  George  Galiatsatos

MID-ISLAND MORTGAGE CORP.

48859

William  Brian  Mattle

PREFERRED MORTGAGE CORPORATION OF NEW

48774

Thomas  John  Liolos

PREMIUM MORTGAGE CORP. D/B/A

49624

Mary  M  Stack

PREMIUM MORTGAGE CORP. D/B/A

51343

Eric   Brian  Johnson

SYRACUSE SECURITIES, INC.

26742

Sean  Joseph  O'Sullivan

ARLINGTON FINANCIAL CORPORATION

36008

Donald  Warren  Henning  Jr

NOTHNAGLE HOME SECURITIES CORP.

19122

Michael  Paul  Fecteau

ADVANCED FINANCIAL SERVICES INC.

41782

Alissa    Waite

SCOTT A. SCHRAGER DBA

58491

Anthony  John  Underwood

FIRST ALTERNATIVE MORTGAGE CORP. DBA

5272

Brian  Michael  Kilday

ADVANCED FINANCIAL SERVICES INC.

25153

Karen  P  Phifer

MORTGAGE ACCESS CORP. DBA

16446

Denise  Ann  Panza

THE COBBLESTONE GROUP

63935

Timothy  George  Parmiter

EQUITY SOURCE EQUITY SOURCE HOME LOANS, LLC

64595

Peter  Vincent  Gavin  Jr

SALT CITY MORTGAGE PROFESSIONALS, INC.

48642

Christine  Marie  Nothnagle

NOTHNAGLE HOME SECURITIES CORP.

55778

Joseph    Fiore

EQUITY NOW INC.

58186

Shelly    Digiulio

CUC MORTGAGE CORPORATION

65753

Bryan  J  Parmley

PARMCO MORTGAGE COMPANY INC.

22567

Dustin  Suk-Jung  Martin

ADVANCED FINANCIAL SERVICES INC.

22580

Nicholas  L  Christ

ADVANCED FINANCIAL SERVICES INC.

64068

Alexander Nicholas Masterpol Jr.

AMERICA UNITED MORTGAGE, LLC

64467

Natalia    Cheviakova

AMERITRUST MORTGAGE BANKERS, INC. DBA

16686

Edward    Boback

ADVANCED FINANCIAL SERVICES INC.

25651

Chris  Mark  Schoen

SHADOWOOD MORTGAGE CORP.

68839

Thomas  Joseph  Russo

COLTRAIN FUNDING GROUP LLC

8745

Prashanta    Misra

CEDAR CAPITAL MANAGEMENT ASSOCIATES,

42086

Raymond  Anthony  Montuori

UNITED NORTHERN MORTGAGE BANKERS LIMITED

89346

Glenn  M  Davis

GATEWAY FUNDING DIVERSIFIED MORTGAGE

58297

Ari    Moses

UNION FEDERAL MORTGAGE CORPORATION DBA

60922

Philip    Baldessarre

PCF HOLDINGS CORP. D/B/A

67388

David    Ostrowsky

WCS LENDING, LLC

60138

Joanne  A. Russell

HOME MORTGAGE NETWORK, LLC

26819

Mark  E  Pawlows

FREEDOM ONE FUNDING, INC.

123721

Anthony  R  Garcia

PERFORMANCE RESIDENTIAL CAPITAL CORP.

56480

David    Valcich

PREMIER HOME MORTGAGE, INC.

137430

Richard  Allen  Gillis

BROWN & FLAHERTY MORTGAGE COMPANY

58301

Michael    Karlewicz

UNION FEDERAL MORTGAGE CORPORATION

101665

Paul  V  Magliano

WEICHERT FINANCIAL SERVICES

142394

Min  Feng  Chen

ANGLENN MORTGAGE

99284

Lisa    Moriello

MORTGAGE MASTER, INC.

156108

William  A  Gionis

CONTINENTAL HOME LOANS INC. D/B/A

73115

Christopher    Rogers

MORTGAGE ACCESS CORP.

90881

Donna  M  Hemberger

SUFFOLK FUNDING INC.

7601

Robert    Grosser

LUXURY MORTGAGE CORP. D/B/A LUXURYMAE

77773

Guadalupe    Ponciano

PRIMERICA FINANCIAL SERVICES HOME MORTGAGES, INC.

196777

Joseph  A  Guercio

CITIFINANCIAL COMPANY U/F/N CITIFINANCIAL COMPANY (DE)

208467

Albert  Stefanus  Alant

PRIMERICA FINANCIAL SERVICES HOME MORTGAGES, INC.

213680

Margaret  F  Chovnick

PRIMERICA FINANCIAL SERVICES HOME MORTGAGES, INC.

52221

Roy  Alan  Lipson

PRIMERICA FINANCIAL SERVICES HOME MORTGAGES, INC.

36139

Richard  E  Ambrose

CITIFINANCIAL COMPANY (DE)

36369

Lisa    Cammilleri

CITIFINANCIAL COMPANY (DE)

36680

Jason  T  Frasier

CITIFINANCIAL COMPANY (DE)

10011

Nathan  Raymond  Maine

EMBRACE HOME LOANS, INC.

36350

Leo  Emery  Palmer Iii

CITIFINANCIAL COMPANY (DE)

36153

Daniel  George  Oniffrey

CITIFINANCIAL COMPANY (DE)

236226

Ronald  Howard  Guggenheim

RESIDENTIAL HOME FUNDING CORP. D/B/A RHF WHOLESALE

88548

Robert  J.  Prendimano

COLTRAIN FUNDING GROUP LLC

30821

Leo  A  Horvat

UPSTATE CAPITAL INC.

248258

Steven  Edward  Greenberg

PROSPECT LENDING, LLC PROSPECT MORTGAGE LLC

36150

David  Paul  Stein

RESIDENTIAL HOME FUNDING CORP. D/B/A RHF WHOLESALE


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.

June 02, 2008

Anna Jean Constantino

Albertson

NY

June 23, 2008

Louis Anthony Gazzola

Malverne

NY

June 30, 2008

Theodore Arden Ray

Norco

CA

July 01, 2008

Rachel Katherine Sherlock

Wyandotte

MI

July 11 2008

Lesley Behnke

Victor

NY

July 23 2008

Michael I Kingsford

New York

NY

September 09, 2008

Peter Domingo

Selden

NC

October 21, 2008

Sayed J. Zeftawi

Farmington Hills

MI

June 03, 2009

Noman Bassit

Lynbrook

NY


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:

April 23, 2010

Asher Jungreis

Brooklyn

NY

April 23, 2010

Kyle John  Sheehan

Providence

RI

April 26, 2010

John Patrick O'Connor Jr.

Freeport

NY


Application to engage in the business of a Mortgage Loan Originator under Article 12-E of the New York State Banking Law amended to read as follows:

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.

January 29, 2010

John A. Sanzone Sr.

Saratoga Springs

NY


SECTION III

April 15, 2010
FIRST NIAGARA BANK, NATIONAL ASSOCIATION
726 Exchange Street, Suite 618, Buffalo, NY 14210, Erie County

Application to open a FAIRMOUNT branch at 3413 West Genesee Street, Fairmount, NY 13219, Onondaga County.


April 15, 2010
FIRST NIAGARA BANK, NATIONAL ASSOCIATION
726 Exchange Street, Suite 618, Buffalo, NY 14210, Erie County

Application to open a CICERO branch at 4948 Route 11, Brewerton Road, Cicero, NY 13039, Onondaga County.


April 15, 2010
FIRST NIAGARA BANK, NATIONAL ASSOCIATION
726 Exchange Street, Suite 618, Buffalo, NY 14210, Erie County

Application to open MEADVILLE branch at 18914 Park Avenue Plaza, Meadville, Pa 16335 Crawford County.


April 15, 2010
FIRST NIAGARA BANK, NATIONAL ASSOCIATION
726 Exchange Street, Suite 618, Buffalo, NY 14210, Erie County

Application to open a STANWIX branch at 11 Stanwix Street, Pittsburgh, PA 15222, Allegheny County.