Weekly Bulletin

December 2, 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.This Weekly Bulletin may also be viewed online at the Department’s Web site at: http://www.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
BP	Budget Planner
CC	Check Casher
CU	Credit Union
FA	Foreign Agency
FB	Foreign Branch
FR	Foreign Representative Office
HC	Holding Company
IC	Investment Company
LL	Licensed Lender
MK	Merchant Bank
MI	Miscellaneous

MB	Mortgage Banker
BR	Mortgage Broker
MS	Mortgage Servicer
PF	Premium Finance Agency
PB	Private Banker
SD	Safe Deposit Company
SF	Sales Finance Agency
SL	Savings and Loan Association
SB	Savings Bank
TM	Transmitter of Money
TR	Trust Company

REGULATORY UNIT CODES

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

SECTION l

November 29, 2011 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

Application dated August 25, 2011 for permission to change the location of branch office from 7499 West Atlantic Avenue, Delray Beach, Palm Beach County, FL 33446 to 7431 West Atlantic Avenue, Delray Beach, Palm Beach County, FL 33446, received.

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 amended to read as follows:

From
May 19, 2010 (MLS-MBD)
Applicant(s)
Robert W. Johnson
Sarah J. Gurley
Michael J. O’Hanlon
Rick E. Smith
Kenneth J. Ganiel
Marathon Asset Management LP
As: Marix Servicing LLC
1925 W. Pinnacle Peak Rd. Phoenix, AZ 85027

To:
November 30, 2011 (MLS-MBD)
Applicant(s)
Kenneth P. Frye
Christopher R. Warner
Kimberly A. Perez
Stuart D. Boyd
Charles E. Cauthen, Jr.
Walter Investment Holding Company
As: Marix Servicing LLC
1925 W. Pinnacle Peak Rd. Phoenix, AZ 85027

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

November 29, 2011 (MB-MBD)
Full Service Branch
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(S): Presidents First Mortgage Bankers
Senior Funding Group
3200 N.E. 14th Street, Suite 204, Pompano Beach, FL 33062

November 29, 2011 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
18 Titus Road, 2nd Floor, Washington Depot, CT 06794

November 29, 2011 (MB-MBD)
Full Service Branch
Superior Home Mortgage In Lieu of True Name Superior Mortgage Corp.
14 Ridgedale Avenue, Cedar Knolls, NJ 07927

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
December 30, 2009	19212	Sami Kabir	Merrick	NY
July 21, 2011	291267	Steven M Katchen	Raritan	NJ
August 26, 2011	388731	Jake Jonas Mckay	East Greenwich	RI
August 29, 2011	655398	Amanda Mavreen Lauro	Dallas	TX
August 31, 2011	342241	Tyler Martin Leahy	Middletown	RI
September 2, 2011	293530	John Charles Sideris	Bedford	OH
September 9, 2011	785877	Gurpreet Singh	Elmhurst	NY
September 12, 2011	822375	Joseph Paul Shaia	Brooklyn	NY
September 15, 2011	815764	Laurence Howard Winters	Stamford	CT
September 19, 2011	170099	Thomas Donald Akers	Suwanee	GA
October 28, 2011	199640	David Minter	Lakewood	OH
October 28, 2011	813642	Tyler Joseph Kinzig	Cleveland	OH
October 28, 2011	397636	Ryan Walter Lange	Phoenix	AZ
October 28, 2011	411410	Carl Robert Leibman	Plainview	NY
October 28, 2011	813641	Lysa Michelle Warden	Elyria	OH
October 28, 2011	774750	Brian David Tallerico	Novelty	OH
October 28, 2011	774953	Joseph Wayne Strepek	Canton	MI
October 28, 2011	774981	Nathan David Hickoff	Fenton	MI
October 28, 2011	775308	Joshua Lawrence Gay	Livonia	MI
October 28, 2011	137168	Chris Viktor Csontos	Monton	MD
October 28, 2011	774738	Cesare Evan Shillington-Mainardi	Shaker Heights	OH
November 8, 2011	840865	Stephen Marquis Murray	Norristown	PA
November 8, 2011	774671	Chaz George Fiscella	Cleveland Heights	OH
November 9, 2011	119502	John Fitzpatrick	Lumberton	NJ
November 10, 2011	813580	David Michael Krowisz	Dearborn Heights	MI
November 10, 2011	133319	Mark Anthony Giannotti	Schwenksville	PA
November 10, 2011	800157	Yalan Chou Teng	Bayside	NY
November 11, 2011	813593	Brian Joseph Morian	Clinton Township	MI
November 15, 2011	181620	Tara Marie Finder	Clifton Heights	PA
November 15, 2011	762110	Bret Alan Taylor	Denton	TX
November 16, 2011	824436	Carlo Adel Checri	Coppell	TX
November 19, 2011	93843	Joseph Michael Pisa	Hoboken	NJ
November 28, 2011	213831	Gregory Daniel Johns	Oceanside	NY

SECTION II

November 16, 2011 (CC-LFS)
ABRS CHECK CASHING CORPORATION
241 C Rockaway Parkway, Brooklyn, NY 11212

License to engage in business as casher of checks at 5704-5706 Clarendon Road, Brooklyn, NY 11203 was surrendered.

November 28, 2011 (MS-FWB)
ANTHOS INTERNATIONAL SERVICE OFFICE, A.G.
Grafenauweg 10, P.O. Box 348, 6301 Zug, Switzerland

STANISLAUS HUGO MARIA BRENNINKMEIJER
Oberägeri, Switzerland
Applications, pursuant to Section 143-b of the Banking Law, by (1) Anthos International Service Office, A.G. and (2) Stanislaus Hugo Maria Brenninkmeijer to acquire indirect control of Anthos Trust Company, LLC, approved.

November 25, 2011 (CC-LFS)
Sunrise Check Cashing Services, LLC
580 Sunrise Highway, Baldwin, NY 11510

License to engage in business as casher of checks at a limited station located at 50 Cabot Court, Hauppauge, NY 11788 for the employees of Wilbar International, Inc. surrendered.

November 25, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization Certificate issued April 18, 2000 granting permission to open and occupy a branch office in the parking lot of Summit Park Mall, 6929 Williams Road, Town of Wheatfield, Niagara County, NY 14304, surrendered for cancellation.

Office discontinued as of November 18, 2011.

November 25, 2011 (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 three locations surrendered for cancellation:

14 West Hanover Street, Gettysburg, Adams County, PA 17325;
5815 Burke Centre Parkway, Burke, Fairfax County, VA 22015; and
499 Mitchell Street, Millsboro, Sussex County, DE 19966.

Offices discontinued as of November 18, 2011.

November 28, 2011(LL-LFS)
CAR FINANCE CAPITAL LLC, U/A/N CARFINANCE.COM
620 Newport Center Drive, Suite 1100, Newport Beach, CA 92660

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

November 28, 2011 (SF-LFS)
CULPEPER HOLDINGS LLC C/O FORTRESS INVESTMENT GROUP
1345 Avenue of the Americas, 46th Floor, New York, NY 10105

An application for a change of control of Security National Automotive Acceptance Corporation, an Article 11-B sales finance company under Section 492-a of the Banking Law, was approved. In conjunction, the licensee converted to an LLC, and is now know as Security National Automotive Acceptance Company, LLC. A new license was issued to reflect the change of name.

In conjunction with the issuance of the new license, the licensee surrendered the sales finance company license issued under its former name.

November 29, 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 33530 1st Way South (Suite 38), Federal Way, King County, WA 98003.

November 29, 2011 (MI-CRB)
FIFTH THIRD BANK
38 Fountain Square Plaza, Cincinnati, OH 45263

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 147 West 57th Street (16th Floor), Borough of Manhattan, City of New York 10019.

November 30, 2011 (MI-CRB)
CUSTOMERS BANK
99 Bridge Street, Phoenixville, PA 19460

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 601 North Main Street, Port Chester, Westchester County, NY 10573 will not result in a significant reduction of banking services in the community to be affected.

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

November 24, 2011 (BR-MBD)
Mortgages In-Deed Northeast, Inc.
82 Wheatley Road, Old Westbury, NY 11568 1212

November 28, 2011 (BR-MBD)
A & F Capital, Inc.
112-04 Springfield Boulevard, Queens Village, NY 11429 2650

November 29, 2011 (BR-MBD)
Thomas Tangney Esq. LLC D/B/A Double T
840 Shore Road, Apt. 4F, Long Beach, NY 11561 5407

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

November 29, 2011 (BR-MBD)
C.A.P. Mortgage, Inc.
110 Putt Lane, Kingston, NY 12401 8630
Effective Date: November 18, 2011

November 29, 2011 (BR-MBD)
Manhasset Bay Mortgage Company, LLC
31 South Bayles Avenue, Port Washington, NY 11050 3708
Effective Date: November 07, 2011

Mortgage Broker Certificate Name Changes:

November 28, 2011 (BR-MBD)
From: Members Mortgage Corp.

To: Members Mortgage Corp.
Long Island Home Capital

Mortgage Banker License Name Changes:

November 28, 2011 (MB-MBD)
From: Mortgage Research Center, LLC

To: Mortgage Research Center, LLC
VAMortgageCenter

Mortgage Broker Certificate Address Changes:

November 25, 2011 (BR-MBD)
Mortgages In-Deed Northeast, Inc.
From: 400 Post Avenue, Suite 100, Westbury, NY 11590
To: 82 Wheatley Road, Old Westbury, NY 11568 1212

November 25, 2011 (BR-MBD)
Long Street Home Equity Corp.
From: 166-25 Powells Cove Blvd., Beechhurst, NY 11357
To: 400 Post Avenue, Suite 100, Westbury, NY 11590 2226

Mortgage Banker Branch License Address Changes:

November 29, 2011 (MB-MBD)
GFI Mortgage Bankers, Inc.
From: 65 Route 4 East, River Edge, NJ 07661
To: 141 Ayers Court, Suite 1A, Teaneck, NJ 07666

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

November 29, 2011 (BR-MBD)
Applicant(s)
Nathan Baram
To acquire interest in:
Best Rate Capital, Inc. D/B/A BRC
975 West Jericho Turnpike, Suite 3, Smithtown, NY 11787 3231

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

Date Application Withdrawn	NMLS ID	Name of Applicant	City & State of Residence
November 29, 2011	91458	Steven Todd Friedman	Roslyn Heights	NY
November 30, 2011	389612	Ronald L Brewington	Willingboro	NJ
November 30, 2011	375854	Paul Cook	Orange Park	FL

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 24, 2011	207810	Denise D'Amaro Rathje	West Islip	NY	Residential Home Funding Corp.
December 2, 2011	39342	Fernando Saenz	Franklin Lakes	NJ	Semper Home Loans, Inc.
December 2, 2011	19901	Shazeem Alli	Valley Stream	NY	US Mortgage Corporation
December 2, 2011	500248	Christopher Gil Steinberger	Haddonfield	NJ	PHH Mortgage Corporation
December 2, 2011	472249	Kerin Elizabeth Murphy	Frisco	TX	Nationstar Mortgage LLC
December 2, 2011	29840	Rywka Steinmetz	Monsey	NY	Meridian Residential Capital, LLC
December 2, 2011	585405	Aaron Vincent Charles Sarle	Berkley	MI	Quicken Loans Inc.
December 2, 2011	133421	William Joseph Prudden	Lewis Center	OH	Residential Finance Corporation
December 2, 2011	713752	Megan Nichole Frasier	Ann Arbor	MI	Quicken Loans Inc.
December 2, 2011	713788	Gay Ann Guyitt	Oxford	MI	Quicken Loans Inc.
December 2, 2011	446493	Dimitrios Nicolopoulos	East Setauket	NY	FOXX CAPITAL FUNDING, INC
December 2, 2011	482258	Douglas B Adler	Guttenberg	NJ	Luxury Mortgage Corp.
December 2, 2011	323177	James Paul Apfel II	Royal Oak	MI	Quicken Loans Inc.
December 2, 2011	19057	Larry Henry Miranda	Tiverton	RI	Embrace Home Loans, Inc.
December 2, 2011	198291	Jonathan Edward Rodd	Williston	VT	PHH Mortgage Corporation

December 2, 2011	713776	Brent Raymond Opland	Dexter	MI	Quicken Loans Inc.
December 2, 2011	411225	Kyle Robert Casey	Bristol	RI	Embrace Home Loans, Inc.
December 2, 2011	373083	Scott Stevens	New Bedford	MA	Embrace Home Loans, Inc.
December 2, 2011	380442	Christopher Keith Wright	Somerset	MA	Embrace Home Loans, Inc.
December 2, 2011	351238	Christopher Carlton Ponton	Rochester Hills	MI	Quicken Loans Inc.
December 2, 2011	98451	Ryan Michael Phillips	Ballston Lake	NY	Continental Home Loans Inc.
December 2, 2011	713744	Frank Matthew Buzolits	Royal Oak	MI	Quicken Loans Inc.
December 2, 2011	643709	Patrice E White	Elmont	NY	United Northern Mortgage Bankers Limited
December 2, 2011	392908	Amanda Marie Martin	Albany	NY	Springleaf Home Equity, Inc.
December 2, 2011	30485	Alan N Trachtman	Brooklyn	NY	Prospect Mortgage, LLC
December 2, 2011	337122	Aissa Hamim	Astoria	NY	Springleaf Home Equity, Inc.
December 2, 2011	164441	John Boyd Devall	Savannah	TX	Nationstar Mortgage LLC
December 2, 2011	395580	Vincent Syriac	Westbury	NY	Canyon Mortgage Corp
December 2, 2011	585479	Joan Elizabeth Barry	Northville	MI	One Reverse Mortgage, LLC
December 2, 2011	213831	Gregory Daniel Johns	Oceanside	NY	Mid-Island Mortgage Corp.
December 2, 2011	284035	Brian Dale Shapiro	West Bloomfield	MI	WCS Lending LLC
December 6, 2011	58403	Mendel Klagsbrun	Monsey	NY	Funding Source Corp.
December 6, 2011	265622	Michael Blair Kacor	Wilmington	DE	New Day Financial, LLC