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New York State Department of Financial Services

Weekly Bulletin
December 3, 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

November 29, 2010 (BP-LFS)
CONSUMER CREDIT COUNSELING SERVICE OF ROCHESTER, INC. U/A/N RETHINKINGDEBT.ORG
1000 University Avenue, Suite 900, Rochester, NY 14607

Applications received for licenses to engage in business as a budget planner at the following branch locations:
  1. 5 Penn Plaza, 23rd Floor, New York, county of New York, NY 10001
  2. Hauppauge Center, 150 Motor Parkway, Suite 401, Hauppauge, county of Suffolk, NY 11788
The publication of receipt of these applications does not indicate that the applications are deemed complete. The applications are deemed complete and filed when all required and requested information has been provided to the Department by the applicant.


November 29, 2010 (TM-LFS)
STANDARD CO. (USA) INC. D/B/A STANDARD EXPRESS
37-22 73rd Street, Suite #B2, Jackson Heights, NY 11372

Application for a license to engage in business as a transmitter of money, received.

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.


November 29, 2010 (LL-LFS)
FCFI ACQUISITION LLC
1345 Avenue of the Americas, 46th Floor, New York, NY  10105

Application received for a change of control of American General Finance, Inc., the direct corporate owner of American General Financial Services, Inc. with headquarters located at 601 N.W. Second Street, P.O. Box 59, Evansville, IN  47701

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.


November 30, 2010 (TR-CRB)
CHEMUNG CANAL TRUST COMPANY
One Chemung Canal Plaza, Elmira, NY 14901
CAPITAL BANK & TRUST COMPANY
1375 Washington Avenue, Albany, NY 12206

Application, pursuant to Section 601 of the Banking Law, for the prior approval of the Superintendent of Banks for Capital Bank & Trust Company to merge with and into Chemung Canal Trust Company, under the name Chemung Canal Trust Company, received.

The comment period for this application will expire on January 3, 2011.


November 30, 2010 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

Notices of intention to establish electronic facilities (automated teller machine) at the following two locations, received:

  1. The Amsterdam at Harborside, 300 East Overlook, Port Washington, Town of North Hempstead, Nassau County, NY 11050; and
  2. 125 Kennedy Drive, Hauppauge, Town of Smithtown, Suffolk County, NY 11788.

December 1, 2010 (BP-LFS)
CONSUMER CREDIT COUNSELING SERVICE OF ATLANTA, INC. D/B/A CREDABILITY
100 Edgewood Avenue, NE, Suite 1800, Atlanta, GA 30303

A notification of a change of location to 270 Peachtree Street, Suite 1800, Atlanta, GA 30303 was received.

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 1, 2010 (MS-CRB)
WILMINGTON TRUST CORPORATION
1100 N. Market Street, Wilmington, DE 19801

Application, pursuant to Section 143-a of the Banking Law, for the prior approval of the Superintendent of Banks, to acquire 100% of the capital stock of Manufacturers and Traders Trust Company, Buffalo, New York, received.

(This application is necessitated by the proposed merger of First Empire State Holding Company- the current direct parent company of Manufacturers and Traders Trust Company- with and into Wilmington Trust Corporation, which will already have become a wholly-owned subsidiary of M&T Bank Corporation, as a result of a prior merger.)

The comment period on this application will expire on January 3, 2011.


December 1, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applications, pursuant to Section 601-a of the Banking Law, for the prior approval of the Superintendent of Banks, to: 1) acquire certain assets and assume certain liabilities of Wilmington Trust Company, Wilmington, DE; and 2) acquire certain assets and assume certain liabilities of Wilmington Trust FSB,  Baltimore, MD, received. 

The transactions, if approved and consummated, will result in the 48 banking offices of Wilmington Trust Company and the 7 banking offices of Wilmington Trust FSB becoming branch offices of Manufacturers and Traders Trust Company.

The comment period on these applications will expire on January 3, 2011.


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

November 29, 2010 (BR-MBD)
Applicant(s)
Douglas Ty Taylor
Robin Antoinette Norris
Steven Brian Heymann
LIM Holdings, Inc.
As: LMB Mortgage Services, Inc.
6701 Center Drive West, Suite 300, Los Angeles, CA 90045 1558


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

November 26, 2010 (MB-MBD)
Applicant(s)
Timothy Olen Burford
Kurt Alfred Nikolai
As: FOM Lending, LLC
In Lieu of True Name First Option Mortgage, LLC
400 Galleria Parkway, Suite 1600, Atlanta, GA 30339 5934


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.

June 14, 2010

Susan    Uhm

Fort Lee

NJ

July 2, 2010

Mario  Robert  Ilie

New City

NY

July 27, 2010

Stephen  Douglas  Wilson

Bronx

NY

July 27, 2010

Michael  Shane  Naughton

Jackson Heights

NY

August 25, 2010

Bonnie Elizabeth Merrill

Mission Viejo

CA

September 17, 2010

Julie  P  Coy

Williamsville

NY

September 23, 2010

Peter  G  Sclavo

Carmel

NY

October 7, 2010

Alan    Chrem

Brooklyn

NY

October 8, 2010

Mark  N  Cataldo

Webster

NY

October 13, 2010

Ronak  M  Jani

Orangeburg

NY

October 19, 2010

Hortensia Teresita Gilmore-Bradley

Islandia

NY

October 28, 2010

Brandon  Edward  Baldyga

Newport

RI


SECTION II

November 24, 2010 (BK-CRB)
UNITED INTERNATIONAL BANK
41-60 Main Street, Flushing, NY 11355

”Certificate of Amendment of the Organization Certificate of United International Bank under Section 8005 of the Banking Law” was approved and filed in the Office of the Superintendent of Banks. 

The amendment provides for an increase in the number of authorized shares of common stock from 8,910,000 shares to 10,250,000 shares, all with a par value of $1.00 each share.


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

Authorization granting permission to open and occupy a branch office at 278 Lincoln Way East, Chambersburg, Franklin County, PA 17201, surrendered for cancellation.

Office discontinued as of November 19, 2010.


November 30, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Maryland Institute of Art, 1303 Mt. Royal Avenue, Baltimore, MD 21217.


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

December 01, 2010 (MB-MBD)
Full Service Branch
Devere Mortgage Corporation D/B/A Hunt Mortgage
100 East Seneca Street, Manlius, NY 13104

December 01, 2010 (MB-MBD)
Full Service Branch
Devere Mortgage Corporation D/B/A Hunt Mortgage
7913 Route 11, Brewerton Road, Cicero, NY 13039


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

December 01, 2010 (BR-MBD)
George A Johnson
5210 Church Avenue, Brooklyn, NY 11203
Effective Date: November 23, 2010

December 01, 2010 (BR-MBD)
New Life Capital Corp.
31-01 Broadway, 4th Floor, Astoria, NY 11106 2648
Effective Date: November 30, 2010

December 01, 2010 (BR-MBD)
KM Shah Consulting, LLC
In Lieu of True Name Alliance Mortgage Finance, LLC
900 Oak Tree Road, Suite B, South Plainfield, NJ 07080 5118
Effective Date: December 01, 2010


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

December 01, 2010 (BR-MBD)
American Success Company, Inc. DBA American Success Mortgage
10 Sloehidden Road, Suite B, Briarcliff Manor, NY 10510 1809


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

November 30, 2010 (BR-MBD)
William J Garthe DBA Reliance Mortgage
359 Lake Avenue, St. James, NY 11780
Effective Date: November 15, 2010

November 30, 2010 (BR-MBD)
Approved Mortgage Funding Corp.
20 Northpointe Parkway, Suite 180, Amherst, NY 14228 6800
Effective Date: November 17, 2010

November 30, 2010 (BR-MBD)
Eretz Funding NJ Ltd. D/B/A Emes Funding
426 Clifton Avenue, Lakewood, NJ 08701
Effective Date: November 17, 2010

November 30, 2010 (BR-MBD)
Swiss Capital, Corp.
11 Meron Drive, Unit 201, Monroe, NY 10950 5470
Effective Date: November 24, 2010


Mortgage Broker Certificate Name Changes:

November 26, 2010 (BR-MBD)
From: Gilman and Ciocia Inc.
To: Gilman Ciocia, Inc.


Mortgage Broker Certificate Address Changes:

November 30, 2010 (BR-MBD)
Maric Capital Corp.
From: 175 Great Neck Road, Suite 302, Great Neck, NY 11021
To: 330 Great Neck Road, 2nd Floor, Great Neck, NY 11021 4227

November 30, 2010 (BR-MBD)
LP Mortgage Solutions, Inc.
From: 150 West 28th Street, Suite 1601, New York, NY 10001
To: 4072 Route 28, Front Office, Boiceville, NY 12412

December 01, 2010 (BR-MBD)
Corey M. Langus D/B/A Cross County Funding Co.
From: 234-19 41st Avenue, Douglaston, NY 11363
To: 30 Glenn Street, Suite 407, White Plains, NY 10603 3252


Mortgage Broker Branch Certificate Address Changes:

December 01, 2010 (BR-MBD)
Atlantic Home Capital, Corp.
From: 100 Broadway, Massapequa, NY 11758
To: 1565 Franklin Avenue, Suite 110, Mineola, NY 11501


Mortgage Banker Branch License Address Changes:

November 30, 2010 (MB-MBD)
Wall Street Mortgage Bankers Ltd. DBA Power Express
From: 1024 Rossville Avenue, Staten Island, NY 10309
To: 4091 Hylan Boulevard, Staten Island, NY 10308

December 01, 2010 (MB-MBD)
Mortgage Enterprise, Ltd.
From: 100 Ring Road West, Penthouse Suite, Garden City, NY 11530
To: 2049 Flatbush Avenue, 2nd Floor, Brooklyn, NY 11234


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

October 22, 2010

50475

John  C  Passano

REAL ESTATE MORTGAGE NETWORK, INC.

October 28, 2010

130098

Vincent    Mazzuca

LUXURY MORTGAGE CORP. D/B/A LUXURYMAE

October 28, 2010

184263

Toy  Lan  Eng

FREEDOM MORTGAGE CORPORATION

October 28, 2010

261531

Brian Edward Gillespie  Sr

FREEDOM MORTGAGE CORPORATION

October 28, 2010

130822

Amber  Michelle  Daz

GUARDHILL FINANCIAL CORP.

November 23, 2010

24880

Adam  David  Werner

PHH MORTGAGE CORPORATION D/B/A

November 23, 2010

23347

Matthew Douglas Voutour

PHH MORTGAGE CORPORATION D/B/A

November 23, 2010

40925

David    Mizrahi

INTERCONTINENTAL CAPITAL GROUP, INC.

November 23, 2010

37842

Michael  Jason  Davis

FIRST ROCHESTER MORTGAGE CORP.

November 23, 2010

27640

Boris    Sigalov

FIDELITY FIRST MORTGAGE CORPORATION

November 23, 2010

49153

Isolina Fernandez-Kirchner

NJ LENDERS CORP.

November 23, 2010

51372

Julian  P  Ashley

THE MANHATTAN MORTGAGE CO., INC. D/B/A

November 23, 2010

39640

Michael  Robert  Blasius

GUARANTEED HOME MORTGAGE COMPANY INC.

November 23, 2010

53584

David    Ng

UNITED NORTHERN MORTGAGE BANKERS LIMITED

November 23, 2010

48878

Sam    Afra

PRECISION FINANCIAL, INC.

November 23, 2010

55062

Julia   C  Curto

US MORTGAGE CORPORATION DBA

November 23, 2010

52951

Richard  Isaac  Barenblatt

APPLE MORTGAGE CORP.

November 23, 2010

23396

Robert  J  White

QUICKEN LOANS INC.

November 23, 2010

57141

James  J.  Raymond

CLASSIC NEW YORK MORTGAGE

November 23, 2010

57404

Gino  Giacomo  Pozzobon

APPLE MORTGAGE CORP.

November 23, 2010

58148

Ezra  M  Tawil

APPLE MORTGAGE CORP.

November 23, 2010

57865

Samuel  J  Dipiano

FIRST ROCHESTER MORTGAGE CORP. D/B/A

November 23, 2010

58605

Stephen  I  Sigel

GATEWAY FUNDING DIVERSIFIED MORTGAGE SERVICES, L.P.

November 23, 2010

59403

Amy    Arnone

CITIZENS FINANCIAL MORTGAGE, INC.

November 23, 2010

35600

Deborah  Ann  O'Leary

TERRITORY MORTGAGE, INC.

November 23, 2010

58054

Steven  W  Betsch

BETBANC, INC.

November 23, 2010

60538

Norman  Jeffrey  Katz

ARETZ FUNDING LIMITED LIABILITY COMPANY

November 23, 2010

62319

John  Robert  Mcdonald

INTERSTATE HOME LOAN CENTER, INC.

November 23, 2010

62309

Gerard Thomas Tambasco

UNITED NORTHERN MORTGAGE BANKERS LIMITED

November 23, 2010

57901

Lauren  Dionne  Cella

GREENTREE MORTGAGE COMPANY, L.P.

November 23, 2010

57922

Paul  A  Stemborowski

GREENTREE MORTGAGE COMPANY, L.P.

November 23, 2010

62424

Alex    Barbosa

MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.

November 23, 2010

27562

Martha    Richards

QUICKEN LOANS INC.

November 23, 2010

58093

Eric  Tony   Tanski

FREEDOM MORTGAGE CORPORATION D/B/A

November 23, 2010

35070

Drew    Kessler

RAND MORTGAGE LLC

November 23, 2010

58648

Richard    Vicinanza

HOMESTEAD FUNDING CORP.

November 23, 2010

61691

Thomas  R  Gates

MORTGAGE MASTER, INC.

November 23, 2010

66920

Michael  Thomas  Vurchio

CONTOUR MORTGAGE CORPORATION

November 23, 2010

38591

Brester  Glenn  Creech

EXCLUSIVE CAPITAL CONSULTANTS, INC.

November 23, 2010

61663

April  M  Baker

YOURAPPROVED FUNDING CORP.

November 23, 2010

66252

Roderick  C  Cummins

UNION FEDERAL MORTGAGE CORPORATION DBA

November 23, 2010

67255

Adriana  B  Taffuri

APPROVED HOME MORTGAGES

November 23, 2010

58867

Erin  J  Pitts

HOME FUNDING FINDERS, INC.

November 23, 2010

32200

Kenneth    Schneider

QUICKEN LOANS INC.

November 23, 2010

58440

Kenneth    Csehak

MORTGAGE MASTER, INC.

November 23, 2010

67239

Frances    Ortiz

LEND-MOR MORTGAGE BANKERS CORP.

November 23, 2010

68658

Scott   Allison  Marinoff  

CONTINENTAL MORTGAGE BANKERS INC DBA

November 23, 2010

68506

Scott    Saradin

HAMILTON MORTGAGE COMPANY OF CONNECTICUT

November 23, 2010

67551

Adam  W  Shelton

CONTOUR MORTGAGE CORPORATION

November 23, 2010

75317

Harold  I  Rosenbaum

TRI-STATE FUNDING OF NEW YORK, INC.

November 23, 2010

58832

Michael  S  Benevento

QUANTUM MORTGAGE CORPORATION

November 23, 2010

93125

Linda  Lydia  Simoskevich

RESIDENTIAL HOME FUNDING CORP.

November 23, 2010

49558

Brooke    Jacob

THE EVEREST EQUITY COMPANY, INC.

November 23, 2010

12134

David  P  Pickering

MLD MORTGAGE INC. D/B/A THE MONEY STORE

November 23, 2010

28810

Shachna    Fine

CAPITAL FUNDING GROUP, INC.

November 23, 2010

52871

Scott  Henry  Bley

FRANKLIN FIRST FINANCIAL, LTD. D/B/A

November 23, 2010

151888

James  M  Alba

FIRST CAPITAL MORTGAGE, LLC

November 23, 2010

170726

Rahreese    Kenchen

GREAT NORTHERN MORTGAGE CORP.

November 23, 2010

75534

Colleen    Polson

MORTGAGE MASTER, INC.

November 23, 2010

105815

Jingli    Chao

SUMMIT MORTGAGE BANKERS, INC.

November 23, 2010

112931

Harris  Alan  Nightingale

SILVER FIN CAPITAL GROUP LLC

November 23, 2010

176994

Emily  Marie  Aversa

CHARLES MARTIN MORTGAGE L.L.C.

November 23, 2010

22705

Anthony  Dean  Didato

HOMESTEAD FUNDING CORP.

November 23, 2010

89971

Kenan  Lee  Forrester

FREEDOM MORTGAGE CORPORATION D/B/A JEFFERSON HOME MORTGAGE AND LOAN

November 23, 2010

203829

Anthony  Charles  Dellitalia

MORTGAGE SOURCE LLC

November 23, 2010

214948

Nazmoon    Karim

AMERITRUST MORTGAGE BANKERS, INC. DBA N.Y. FINANCIAL MORTGAGE LENDING

November 23, 2010

138370

Walter    Gorman

UNITED CAPITAL LENDERS, LLC D/B/A UCL HOME

November 23, 2010

87461

Walter    Stashin

CONTINENTAL MORTGAGE BANKERS, INC. DBA FINANCIAL EQUITIES

November 23, 2010

257785

Michael  John  Mcateer

GUARANTEED HOME MORTGAGE COMPANY INC.

November 23, 2010

62652

Stephen  Gerard  Smith

ACCELERATED HOME LOAN, LLC

November 23, 2010

288069

Robert    Portesy

MORTGAGE ENTERPRISE, LTD.

November 23, 2010

196138

Cheryl  Nardina  Hardin

KUNDU CORPORATION D/B/A MORTGAGE ADVANCE TEAM

November 23, 2010

322821

Lorraine Loffredo Estrella

MORTGAGE ACCESS CORP.

November 23, 2010

8601

Scott    Setaro

MORTGAGE LINKS INC.

November 23, 2010

178379

Ryan  Joseph  Wood

SEMPER HOME LOANS, INC.

November 23, 2010

38213

Mark    Grossman

MOUNTAIN MORTGAGE CORP.

November 23, 2010

302082

Louewanda    Benjamin

ASSOCIATED MORTGAGE BANKERS, INC.

November 23, 2010

342389

Joseph  Matthew  Reilly 

MORTGAGE ENTERPRISE, LTD.

November 23, 2010

54214

Gasper  Charles  Celauro

U.S.A.FINANCIAL RESOURCES, INC. D/B/A CHOICE HOME MORTGAGE SERVICES

November 23, 2010

37463

Matthew  Roy  Johnson

NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY

November 23, 2010

217601

Bradley  Erich  Berndt

CHICAGO BANCORP, 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:

November 23, 2010

Jason  Mark  Platnick

North Massapequa

NY

November 24, 2010

Christopher    Sluka

Oyster Bay

NY


The following approval published in Weekly Bulletin date November 19, 2010 is amended to read as follows:

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

November 10, 2010

45543

Robert R Galian

Fairway Independent Mortgage Corp.


THERE ARE NO SECTION III ITEMS THIS WEEK.              


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