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New York State Department of Financial Services

Weekly Bulletin

November 10, 2011

SECTION I
This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services.   Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking are listed at the end of Section I by type of application or notice.  THE WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS THAT WILL BE ISSUED BY THE DEPARTMENT.
Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Department within 10 calendar days of the date of this bulletin, unless a different time period is specified in the item.  More specifically, such comments or objections, including any that concern CRA-related applications, should be either  (a) delivered by mail or in person to Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to Comments@dfs.ny.gov.

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

GENERAL INFORMATION
Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a three-letter code indicating the unit of the Department which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:


Institution Codes

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
PF = 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 = Mortgage Servicer
MI = Miscellaneous

Regulatory Unit Codes

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

SECTION l

October 6, 2011 (CU-CRB)
MUNICIPAL CREDIT UNION
22 Cortlandt Street, New York, New York 10007

Application dated October 6, 2011 for permission to add an additional station at 134-66 Springfield Boulevard, Springfield Gardens New York, received.


November 3, 2011 (SB-CRB)
CROSS COUNTY FEDERAL SAVINGS BANK
79-21 Metropolitan Avenue, Middle Village, NY 11379

Application, pursuant to Section 411 of the Banking Law, for the approval of the Superintendent of Financial Services of the conversion of Cross County Federal Savings Bank, from a Federal to a New York State charter, under the name Cross County Savings Bank, received.


November 4, 2011 (MS-CRB)
INTERNATIONAL BANK OF CHICAGO
5069 North Broadway, Chicago, IL  60640

Application dated October 28, 2011 for permission to open and occupy a branch office at 2 West Main Street, Port Jervis, Orange County, NY 12771, received.


November  8, 2011 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

An application was received for a license to engage in business as a licensed casher of checks in connection with the purchase of certain assets of 5 East 41 Check Cashing Corp. at 128 East 29th Street, New York, NY 10016.

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, by November 29, 2011.


November 8, 2011 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

An application was received to change the location of doing business as a limited station casher of checks to Kiss Products, Inc., 57 Seaview Blvd., Port Washington, NY 11050 from Kiss Products, Inc., 2 Harbor Park Drive, Port Washington, NY 11050.

The publication of receipt of the application does not indicate that the application is deemed complete. The 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 ten business days, by November 29, 2011.


November 9, 2011 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

Application was received for a Change of Name of a limited station casher of checks

From:    The Weck Corporation U/A/N Gracious Home
                            30-30 60th Street, Woodside, NY 11377
                            Bi-Weekly on Fridays

To:                       Gracious Home LLC
                            30-30 60th Street, Woodside, NY 11377
                            Bi-Weekly on Fridays

The publication of receipt of the application does not indicate that the application is deemed complete. The application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.

Any public response is to be given within ten business days, by November 28, 2011.


November 9, 2011 (MS-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

Application dated November 7, 2011 for permission to open and occupy a branch office at 98 Wolf Road, Town of Colonie, Albany County, NY 12205, received.


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 03, 2011 (BR-MBD)
Applicant(s)
Joseph M. Pisa
As: NorthStar Funding, Inc.
534 Hudson Street, 1st Floor, Hoboken, NJ 07030 5905


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 07, 2011 (MB-MBD)
Applicant(s)
Vincent Jude Kasperick
Antero David Iturriria
Jill Roxanne Lantz
As: American Internet Mortgage, Inc. D/B/A AimLoan.com
4121 Camino Del Rio South, San Diego, CA 92108 1207

November 08, 2011 (MB-MBD)
Applicant(s)
Gregory Joseph Englesbe
John Miriello
Mark Lawrence Gerber
As: E Mortgage Management LLC
222 Haddon Avenue, Suite 2-A, Haddon Township, NJ 08108 2827


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:

November 03, 2011 (MB-MBD)
From: Applicant(s)
Mark Charles Pappas
Donald Epstein
Phillip Barry Kukafka
Keith George Bilodeau
Gregory G. O'Connor
As: ClearPoint Funding, Inc.
46 Lizotte Drive, Marlborough, MA 01752

To: ClearPoint Funding, Inc.
4 Technology Drive, Suite 200, Westborough, MA 01581


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

November 09, 2011 (BR-MBD)
Full Service Branch
American Nationwide Mortgage Company, Inc.
3353 Mendon Road, Suite 2, Cumberland, RI 02864

November 09, 2011 (BR-MBD)
Full Service Branch
MNS Mortgage LLC In Lieu of True Name Mortgage Network Solutions, LLC
56 Main Street, Suite 3D, Flemington, NJ 08822

November 09, 2011 (BR-MBD)
Full Service Branch
AVP Mortgage Solutions, LLC
155 East Main Street, Suite 170, Smithtown, NY 11787


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

November 08, 2011 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
333 Main Street, 2nd Floor, East Greenwich, RI 02818

November 09, 2011 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
660 Kinderkamack Road, Suite 202, Oradell, NJ 07649

November 09, 2011 (MB-MBD)
Full Service Branch
Advisors Mortgage Group, L.L.C.
127 Route 23, Suite 20, Hamburg, NJ 07419

November 09, 2011 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
653 Plank Road, Suite 2, Clifton Park, NY 12065

November 09, 2011 (MB-MBD)
Full Service Branch
Advisors Mortgage Group, L.L.C.
6276 Amboy Road, Suite 2A, Staten Island, NY 10309


Mortgage Broker Certificate Name Change Received:

November 08, 2011 (BR-MBD)
From: Members Mortgage Corp.

To: Members Mortgage Corp.
Additional DBA(s) Long Island Home Capital


Mortgage Banker License Name Change Received:

November 08, 2011 (MB-MBD)
From: Mortgage Research Center, LLC

To: Mortgage Research Center, LLC
Additional DBA(s) VAMortgageCenter


Article 12-E Applications received. Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.   They must  also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

Date of Application

NMLS ID

Name of Applicant

City & State of Residence

October 20, 2010

372691

Eric Michael Bruno

Spring City

PA

December 9, 2010

119972

Robin Rebecca Lloyd

Cary

NC

January 13, 2011

375897

Kimberly Jean Shymske

Brunswick

OH

January 15, 2011

347979

Brian Shaltakoff

Superior

CO

March 17, 2011

22516

Monte Friedman

New York

NY

May 17, 2011

616810

Robert Justin Terlizzese

Port Jefferson Station

NY

June 30, 2011

568799

Maria Estela De Jesus

Brooklyn

NY

August 31, 2011

756022

James Scott Marxer

Poughkeepsie

NY

August 31, 2011

177967

Darryl Ari Shurgin

Ronkonkoma

NY

October 24, 2011

53343

Vincent  Digiorgi

Wantagh

NY

October 26, 2011

591293

Carol Lynn Richard

New Haven

MI

October 26, 2011

813600

Ellen Marie Rouleau

Harper Woods

MI

October 26, 2011

584242

Stacy Anne Lorne

Lincoln Park

MI

October 26, 2011

493344

Eric James Pietrykowski

Lenox

MI

October 26, 2011

813569

Ryan Allen Hand

Detroit

MI

October 26, 2011

775374

Jeffrey Allen Darish

South Rockwood

MI

October 26, 2011

774914

Brian Daniel Yezbick Mccarter

Commerce Twp

MI

October 26, 2011

197366

Carmita Lucia Pillco

Corona

NY

October 26, 2011

775825

Joseph William Caruso

Rocky River

OH


SECTION II

December 14, 2010 (TM-LFS)
CASHWELL EXPRESS, LLC
1010 Wayne Avenue, Suite 720, Silver Spring, MD 20910

The Superintendent’s prior approval of an indirect change of control of MEMO Money Order Company of New York, Inc., a licensed money transmitter, is rescinded. On December 14, 2010, the licensee notified the Department that its indirect owner, Pennsylvania Food Merchants Association, has terminated its attempt to sell all its interest in Merchant Express Money Order, Inc., direct owner of licensee, to Cashwell Express, LLC and its direct owner CW Financial, LLC.


November 3, 2011 (CC-LFS)
P R CHECK CASHING, INC.
2495 Third Avenue, Bronx, NY 10451

The principal office of a licensed casher of checks was changed from 2495 Third Avenue, Bronx, NY 10451 to 335 East 143rd Street, Bronx, NY  10454.

In connection with the above, new licenses were issued and the original check casher licenses were surrendered.


November 4, 2011 (PF-LFS)
MONTHLY PREMIUM CORPORATION
333 Earle Ovington Boulevard, #902, Mitchell Field, NY 11553

License rider issued to reflect the change of location to 68 South Service Road, Suite 210, Melville, NY 11747.


November 4, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office at 8615 SE Division Street (Suite 203), Portland, Multnomah County, OR 97266.


November 8, 2011 (FB-FWB)
BANCO ESPANOL DE CREDITO, S.A.
Madrid, Spain

Approval given to change the location of branch from 730 Fifth Avenue, Borough of Manhattan, City of New York 10019 to 45 East 53rd Street, Borough of Manhattan, City of New York 10022, on or after November 9, 2011.


November 8, 2011 (FB-FWB)
EUROHYPO AKTIENGESELLSCHAFT
Eschborn, Germany

Approval given to change the location of branch from 1114 Avenue of the Americas, Borough of Manhattan, City of New York 10036 to 1301 Avenue of the Americas, Borough of Manhattan, City of New York 10019, on or after November 9, 2011.


November 8, 2011 (CU-CRB)
MUNICIPAL CREDIT UNION
22 Cortlandt Street, NewYork, New York 10007

Application dated September 7, 2011 for permission to add an additional station at 30 West 125th Street, (a/k/a 280 St. Nicholas Avenue) New York, New York, approved.


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

November 09, 2011 (BR-MBD)
North Shore Mortgage Brokers, Ltd.
15 Fieldstone Lane, Great Neck, NY 11020
Effective Date: November 03, 2011


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

November 08, 2011 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
952 Troy-Schenectady Road, Latham, NY 12110
Effective Date: November 01, 2011

November 08, 2011 (MB-MBD)
Full Service Branch
M.T.G. Capital In Lieu of True Name Mortgage Capital Associates, Inc.
1 Chester Drive, 2nd Floor, Yonkers, NY 10710
Effective Date: November 01, 2011

November 09, 2011 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
1 Newark Street, Hoboken, NJ 07030
Effective Date: November 03, 2011


The suspension of the following Registered Mortgage Broker's registration has been lifted:

November 08, 2011 (BR-MBD)
Astor Funding, Ltd.
185-28 Union Turnpike, Fresh Meadows, NY 11366 1732


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

November 03, 2011 (BR-MBD)
Chiarelli Realty Co Inc
1700 74th Street, Brooklyn, NY 11204 5615

November 03, 2011 (BR-MBD)
Mortgage Links Inc.
2043 Richmond Avenue, Staten Island, NY 10314 3900

November 04, 2011 (BR-MBD)
Hometown Mortgage Corp.
4200 State Highway 30, Amsterdam, NY 12010 6204

November 04, 2011 (BR-MBD)
Benzion Blum
1454 45th Street, Brooklyn, NY 11219 2243

November 07, 2011 (BR-MBD)
Pacific Western Financial Corp.
7 Smith Street, Suite 1, Merrick, NY 11566

November 07, 2011 (BR-MBD)
J.M. Capital Group LLC
229 7th Street, Suite 205, Garden City, NY 11530

November 07, 2011 (BR-MBD)
Marquis Funding Inc.
112-08 Jamaica Avenue, #1F, Richmond Hill, NY 11418 2425

November 08, 2011 (BR-MBD)
Abound Financial Group, Inc.
751-759 Allerton Avenue, Suite 201, Bronx, NY 10467 8818

November 09, 2011 (BR-MBD)
Radcliffe Funding Corp.
5036 Jericho Turnpike, Suite 305, Commack, NY 11725

November 09, 2011 (BR-MBD)
Paragon Capital Funding Corp.
155 West 72nd Street, Suite 308, New York, NY 10023


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

Date of Approval

NMLS ID

Name of Applicant

City & State of Residence

Sponsoring Entity

November 11, 2011

60271

Kevin John Grant

Port Jefferson Station

NY

New View Mortgage Corp.

November 11, 2011

372914

Catherine Tonnette Cooper

Euless

TX

Nationstar Mortgage LLC

November 11, 2011

58147

Jennifer Elizabeth Schaffer

Saratoga Springs

NY

Freedom Mortgage Corporation

November 11, 2011

190503

John Christopher Kelly

Yonkers

NY

Guaranteed Home Mortgage Company, Inc.

November 11, 2011

745177

Grace M Morales

Smithtown

NY

NJ LENDERS CORP.

November 11, 2011

374004

Kyatsandra Rao Ramesh

Irving

TX

Nationstar Mortgage LLC

November 11, 2011

49975

Robert  Pirchala

Clifton

NJ

American Financial Resources, Inc.

November 11, 2011

65790

Joseph Thomas Dougherty

Auburn

NY

Homestead Financial Services, Inc

November 11, 2011

70499

Christopher Denton Beck

Windsor

NY

Springleaf Home Equity, Inc.

November 11, 2011

369949

Matthew Jason Eichenberger

Columbia

MO

Mortgage Research Center, LLC

November 11, 2011

366027

Timothy Daniel Higgins

Greenlawn

NY

Franklin First Financial, Ltd.

November 11, 2011

224427

Kathy  Kagan

Modena

NY

Northeast Processing, LLC.

November 11, 2011

249790

Garth Yetman

Bronx

NY

Y.B.B. Solutions LLC

November 15, 2011

184371

Clifton Wade Moore

Clearwater

FL

Residential Finance Corporation

November 15, 2011

339732

Niccolo Danielle Satullo

Highland Heights

OH

Quicken Loans Inc.

November 15, 2011

51430

Marc Dinkin Dreifuss

Trenton

NJ

US Mortgage Corporation

November 15, 2011

339697

Nicholas Arthur Ostrowski

Huntington Woods

MI

Quicken Loans Inc.

November 15, 2011

373767

Christine Anne Schmidt

Ambler

PA

GMAC Mortgage, LLC


Applications for licensing 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:

Date Application Withdrawn

NMLS ID

Name of Applicant

City & State of Residence

October 19, 2011

65448

Steven L Koerner

Long Beach

NY

November 7, 2011

379463

Jacqueline Cassandra Gambrell

Shelby Township

MI

November 9, 2011

32165

Jonathan Cecil Mccall

Royal Oak

MI

November 9, 2011

342421

Tabatha April Sullivan

Mckinney

TX

November 9, 2011

342586

Eric Webster Douglas

Norwood

MA

November 9, 2011

385454

Wendell William Robinson Jr.

Mentor

OH

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