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New York State Department of Financial Services

Weekly Bulletin

December 16, 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

December 12, 2011 (TM-LFS)
TRAVELEX CURRENCY SERVICES INC.
212 North 117th Avenue, Suite 300, Omaha, NE 68164

Notification of a change of location to 29 Broadway, New York, NY 10006 was received.


December 13, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

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

  1. Sheetz Inc. Convenience Store, 13433 NC Highway 210, Town of Benson, Johnston County, NC 27504;
  2. Sheetz Inc. Convenience Store, 600 Corporate Center Drive, Raleigh, Wake County, NC 27607;
  3. Sheetz Inc. Convenience Store, 505 Wendell Boulevard, Town of Wendell, Wake County, NC 27591; and
  4. Sheetz Inc. Convenience Store, 1408 North Eisenhower Drive, Beckley, Raleigh County, WV 25801.

December 15, 2011 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

Application, pursuant to Section 337 of the Banking Law, for approval of the Superintendent of Financial Services to sell to NBT Bank N.A., Norwich, New York, the safe deposit business conducted at 49 State Route 296, Town of Windham, Greene County, New York 12496, received.

(NBT Bank N.A. is to acquire the applicant's branch office at the above location, and the business of three other New York branches of the applicant.)


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

December 12, 2011 (BR-MBD)
Applicant(s)
Jen Chao
As: Empire NY Funding LLC
136-56 39th Avenue, Suite 406, Flushing, NY 11354 5508


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:

From:
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

To:
December 14, 2011 (MB-MBD)
Applicant (s)
Timothy Olen Burford
Kurt Alfred Nikolai
Barbara R. Cheek
As: FOM Lending, LLC
In Lieu of True Name First Option Mortgage, LLC
400 Galleria Parkway, Suite 1600, Atlanta, GA 30339 5934


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 28, 2010 (MLS-MBD)
Applicant(s)
Eugene E. O'Bannon
Eugene E. Persinger Jr.
Michael P. Morgan
Susan E. Bow
Mountain View Capital Holdings
As: Prodovis Mortgage, LLC
600 Six Flags Drive, Suite 250; Arlington, TX 76011

To:
December 8, 2011 (MLS-MBD)
Carrie S. Allen
John R. Troka
William H. Brierly
TeleTech Loan Services, LLC
TeleTech Services Corporation
TeleTech Holdings, Inc.
As: Prodovis Mortgage, LLC
10700 East Geddes Ave, Suite 300, Englewood, CO 80112


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

December 14, 2011 (MB-MBD)
Full Service Branch
Mortgage Enterprise, Ltd.
One Greentree Center, Suite 306, Marlton, NJ 08053

December 14, 2011 (MB-MBD)
Full Service Branch
Genworth Financial Home Equity Access, Inc.
666 3rd Avenue, 9th Floor, New York, NY 10017

December 14, 2011 (MB-MBD)
Full Service Branch
Wall Street Mortgage Bankers Ltd. DBA Power Express
107-04 Jamaica Avenue, Suite 2, Richmond Hill, NY 11418

December 14, 2011 (MB-MBD)
Full Service Branch
Academy Mortgage Corp.
108 Bedford Avenue, Bellmore, NY 11710

December 14, 2011 (MB-MBD)
Full Service Branch
Semper Home Loans, Inc.
520 White Plains Road, Suite 500, Tarrytown, NY 10591

December 14, 2011 (MB-MBD)
Full Service Branch
Luxury Mortgage Corp.
497 Bramson Court, Suite 203C, Mount Pleasant, SC 29464


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

May 4, 2010

62853

Donna Ann Norcross

Manorville

NY

July 1, 2011

64471

Michael L Moolick

Alta, Ont

NY

July 6, 2011

273834

Riki Chikara Oshima

Torrance

CA

September 6, 2011

715828

Jesse  Towns

Hauppauge

NY

September 20, 2011

108817

Wanda Ivette Cassarino

Lebanon

CT

October 21, 2011

159766

Kevin J Caruana

Laguna Beach

CA

October 24, 2011

320084

Ann K Scherzinger

Mequon

WI

October 26, 2011

69297

Jan Ronell Davidson

Huntersville

NC

October 27, 2011

67811

Roberto  Nascimento

Scarsdale

NY

November 15, 2011

835838

Lance Robert Terry

Poughkeepsie

NY

November 30, 2011

266366

Sam  Barretta

Baldwin

NY

December 12, 2011

197255

Richard Lawrence Meyer

Denville

NJ


SECTION II

December 7, 2011 (CC-LFS)
BEATRICE FRIEDMAN
1045 Westchester Avenue, Bronx, NY 10459

An application for the Superintendent’s prior approval of a change of control of Subway Check Cashing Service, Inc., a licensed casher of checks, was approved.


December 7, 2011 (CC-LFS)
CARL FRIEDMAN
1045 Westchester Avenue, Bronx, NY 10459

An application for the Superintendent’s prior approval of a change of control of Subway Check Cashing Service, Inc., a licensed casher of checks, was approved.


December 9, 2011 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue, New York, NY 10001

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

  1. Pecos Food4Less, 3250 East Flamingo Road, Las Vegas, Clark County, NV  89121; and
  2. North Las Vegas Food4Less, 2255 North Las Vegas Boulevard, North Las Vegas, Clark County, NV  89030.

Offices discontinued as of November 30, 2011.


December 9, 2011 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017

Authorization issued to open and occupy a branch office at 705 Avenue U, Borough of Brooklyn, City of New York 11223, on or after December 10, 2011.


December 9, 2011 
HYLAN CHECK CASHING SERVICE, INC.
1834 Hylan Boulevard, Staten Island, NY 10305

A license was issued to change the location of doing business as a licensed casher of checks to 1834 Hylan Boulevard, Staten Island, NY 10305.

In connection with the above license issuance, the original check casher license at 1919 Hylan Boulevard, Staten Island, NY 10305 was surrendered.


December 10, 2011 (CC-LFS)
LIBERTY CHECK CASHING, INC. 
80 Lafayette Street, New York, NY 10013

License to engage in business as casher of checks at 80 Lafayette Street, New York, NY 10013 was surrendered.


December 13, 2011 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

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 39 North Pearl Street, Albany, Albany County, NY 12207 will not result in a significant reduction of banking services in the community to be affected.


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

December 13, 2011 (BR-MBD)
Money Help of NY LLC
5885 East Circle Drive, Suite 155, Cicero, NY 13039 8760

December 13, 2011 (BR-MBD)
Y.B.B. Solutions LLC
1907 Edenwald Avenue, Bronx, NY 10466 2224

December 13, 2011 (BR-MBD)
Geremia Capital Limited Liability Company
1090 King Georges Post Road, Suite 801, Edison, NJ 08837 3705

December 13, 2011 (BR-MBD)
Northeast Processing, LLC
16 Rosio Lane, Modena, NY 12548 5220

December 13, 2011 (BR-MBD)
JL Mortgage Brokers LLC
29 Marshall Road, Suite 3C, Wappingers Falls, NY 12590 4143

December 13, 2011 (BR-MBD)
MLS Home Funding Inc.
4400 Nesconset Highway, Port Jefferson Station, NY 11776


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

December 12, 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

December 12, 2011 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
18 Titus Road, 2nd Floor, Washington Depot, CT 06794

December 12, 2011 (MB-MBD)
Full Service Branch
Superior Home Mortgage In Lieu of True Name Superior Mortgage Corp.
14 Ridgedale Avenue, Cedar Knolls, NJ 07927


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

December 14, 2011 (BR-MBD)
Encore Capital Corp.
365 Hillside Avenue, Williston Park, NY 11596
Effective Date: November 30, 2011


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

December 13, 2011 (MB-MBD)
Copiague Funding Corp. d/b/a South Shore Mortgage Company
155 South 10th Street, Lindenhurst, NY 11757 4505
Effective Date: November 23, 2011


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

December 08, 2011 (MB-MBD)
Full Service Branch
FGMC In Lieu of True Name First Guaranty Mortgage Corporation
324 North Dale Mabry Highway, Suite 100, Tampa, FL 33609
Effective Date: November 29, 2011

December 13, 2011 (MB-MBD)
Full Service Branch
Copiague Funding Corp. d/b/a South Shore Mortgage Company
1300 Veterans Memorial Highway, Suite 320, Hauppauge, NY 11788
Effective Date: November 23, 2011


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

December 09, 2011 (BR-MBD)
Patrick R. Campbell DBA Americap Mortgage Group
16 Red Creek Road, Hampton Bays, NY 11946 1307

December 13, 2011 (BR-MBD)
American Dream Financial Corp.
427 Swanson Drive, Thornwood, NY 10594 1918

December 14, 2011 (BR-MBD)
Nicholas Palumbo DBA The Money Express
52 Harrigan Road, Hopewell Junction, NY 12533


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

December 13, 2011 (BR-MBD)
American Dream Financial Corp.
427 Swanson Drive, Thornwood, NY 10594 1918
Effective Date: December 13, 2011


Mortgage Banker License Address Changes:

December 12, 2011 (MB-MBD)
Luxury Mortgage Corp.
From: One Landmark Square, Suite 100, Stamford, CT 06901
To: Four Landmark Square, Suite 300, Stamford, CT 06901 2518


Mortgage Banker Branch License Address Changes:

December 08, 2011 (MB-MBD)
Franklin American Mortgage Company
From: 7001 Lincoln Drive W, 3 Greentree Centre, Ste. 100, Marlton, NJ 08053
To: 5 Greentree Centre, 525 Route 73 North, Ste. 109, Marlton, NJ 08053


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

October 19, 2011

256491

Thomas Natale Tersigni

Rochester Hills

MI

December 12, 2011

69948

Linda  Haltman

Jericho

NY

December 12, 2011

190806

Lisa J Waters

Loudonville

NY

December 12, 2011

169804

Brian Evan Jennings

Hempstead

NY

December 12, 2011

170758

Carlos Louis Surpris

Bay Shore

NY

December 12, 2011

315564

Stephanie Ann Parrish

Lewisville

TX

December 12, 2011

296499

Antonio  Russo

Miller Place

NY

December 12, 2011

255833

Wajih Nabil Abdallah

Dearborn

MI

December 12, 2011

424734

Carrie Elizabeth Schalm

Oxford

MI

December 12, 2011

389568

Warren Keith Prescott Jr

Clementon

NJ

December 12, 2011

375767

Luke John Morris

Scottsdale

AZ

December 12, 2011

385648

Paul Fleming James Jones

Scottsdale

AZ

December 12, 2011

493368

Tarek Muhammed Muhammad

Parma

OH

December 12, 2011

36771

Kimmarie  Gervasi

Scarsdale

NY

December 13, 2011

339701

Jason Michael Porath

Taylor

MI


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

December 5, 2011

61508

Steven C Rayment

Saugerties

NY

Fairway Independent Mortgage Corporation

December 5, 2011

20666

Steven Mark Keough

Cumberland

RI

American Nationwide Mortgage Company, Inc.

December 5, 2011

38850

Kevin John Leffert

Louisville

KY

Equity Now Inc.

December 5, 2011

160716

John Andrew Inghram

Mcafee

NJ

Advisors Mortgage Group, L.L.C.

December 12, 2011

65008

Adele A. Seubert

Fairport

NY

Nothnagle Home Securities Corp.

December 12, 2011

384661

Richard Jeff Badette

Brooklyn

NY

Franklin First Financial, Ltd.

December 12, 2011

363920

Randy James Foehrkolb

Baltimore

MD

New Day Financial, LLC

December 12, 2011

388815

Jody Ryan Overacre

Columbia

MO

Mortgage Research Center, LLC

December 12, 2011

379498

Stacie  Barco

Williamsville

NY

PAYMENT PLANS INC

December 12, 2011

376091

Lisa Maria James

Chesterfield Township

MI

Quicken Loans Inc.

December 12, 2011

146117

Tara A Smith

White Plains

NY

Langus,Corey,Michael

December 12, 2011

801945

Karen Ann Allen

Plano

TX

Nationstar Mortgage LLC

December 12, 2011

239873

David  Quinones Jr.

Paramus

NJ

PrimeLending, A PlainsCapital Company

December 12, 2011

380197

Stephen M Cook

Ballston Spa

NY

State Farm Bank, F.S.B.

December 12, 2011

267166

Ryan  Majeske

Royal Oak

MI

Quicken Loans Inc.

December 12, 2011

407606

Amy L Bell

Penfield

NY

Premium Mortgage Corp.

December 12, 2011

493322

Emmanuel Jay Ward-Callahan

Belleville

MI

Quicken Loans Inc.

December 12, 2011

417586

Tracy Dawn Vivacqua

Canastota

NY

Springleaf Home Equity, Inc.

December 12, 2011

479349

Susan  Bjorneby

Centereach

NY

Academy Mortgage Corp.

December 12, 2011

65302

Sharlene Ann Nally

West Henrietta

NY

First Rochester Mortgage Corp.

December 12, 2011

385795

Christopher Charlebois Denis

Clarkston

MI

Quicken Loans Inc.

December 12, 2011

515944

Kyle Stephen Ridenour

Rancho Cordova

CA

Genworth Financial Home Equity Access, Inc.

December 12, 2011

813565

Michael Stuart Eash

New Baltimore

MI

Quicken Loans Inc.

December 12, 2011

419251

Brian Joseph Modzelewski

Staten Island

NY

Springleaf Home Equity, Inc.

December 12, 2011

368198

Jacob Allen Romine

Oak Park

MI

Quicken Loans Inc.

December 12, 2011

654271

James E Bannon Jr

Coram

NY

Fairway Independent Mortgage Corporation

December 12, 2011

212632

David Arthur Hubbs

Irvine

CA

American Advisors Group

December 12, 2011

761651

Zachary John Tolmie

Brooklyn

NY

The Manhattan Mortgage Co., Inc.

December 12, 2011

530604

Ermanno J Russo

New Rochelle

NY

Jersey Mortgage Company of New Jersey, Inc.

December 12, 2011

430753

Joanne Patricia Mulligan-Tarr

Marion

MA

Embrace Home Loans, Inc.

December 12, 2011

382752

Nicholas Anthony Hallas

Webster

NY

Homeowners Mortgage of America, Inc.

December 12, 2011

493331

Andrew Stephen Gron

Livonia

MI

Quicken Loans Inc.

December 12, 2011

37125

Elizabeth Ann Andrews

Wyoming

NY

Premium Mortgage Corp.

December 12, 2011

226804

Michael  Hummel

Brick

NJ

Crown Financial Services, Inc

December 12, 2011

266901

Anthony Hani Alrihani

Farmington Hills

MI

Quicken Loans Inc.

December 12, 2011

262577

Stephen James Michelini

Scottsdale

AZ

Quicken Loans Inc.

December 12, 2011

91983

Joseph Michael Capell Jr

Atlanta

GA

Amerisave Mortgage Corporation

December 12, 2011

641632

Paul Anthony Edward Mcbean

Frisco

TX

Nationstar Mortgage LLC

December 12, 2011

63163

David Anthony Long

Newnan

GA

Generation Mortgage Company

December 12, 2011

754646

Patrick M Montgomery

Rochester

NY

Homeowners Mortgage of America, Inc.

December 12, 2011

713756

Michael Victor Hnatiuk

Dearborn

MI

Quicken Loans Inc.

December 12, 2011

68250

Corlette Everette Douglas

Bronx

NY

MGN FUNDING CORP

December 12, 2011

372691

Eric Michael Bruno

Spring City

PA

PHH Mortgage Corporation

December 13, 2011

713753

Jacque David Gorris

Southgate

MI

Quicken Loans Inc.

December 13, 2011

756022

James Scott Marxer

Poughkeepsie

NY

State Farm Bank, F.S.B.

December 13, 2011

589615

Lisa  Durfee

Rochester

NY

Premium Mortgage Corp.

December 13, 2011

763450

Christian  Vasquez

Ozone Park

NY

Lyons Mortgage Services, Inc.

December 13, 2011

136291

Ian Leon Dombroski

Columbus

OH

Residential Finance Corporation

December 13, 2011

6845

Anthony August Nicholas

Stony Point

NY

Prospect Mortgage, LLC

December 13, 2011

390033

David J Berkley

Middleburg

FL

PHH Mortgage Corporation

December 13, 2011

684428

Samuel Christian Sheridan

Bayside

NY

United Northern Mortgage Bankers Limited

December 13, 2011

813588

Michelle Deanna Marmon

Clarkston

MI

Quicken Loans Inc.

December 13, 2011

509437

Keith Howard Lovelace

Huntington

CA

American Advisors Group

December 13, 2011

806832

Kevin Patrick Brady Ii

Leroy

NY

Homeowners Mortgage of America, Inc.

December 13, 2011

376116

Charles Alexander Fuller Robertson

Southfield

MI

Quicken Loans Inc.

December 13, 2011

813570

Matthew Charles Hardt

Livonia

MI

Quicken Loans Inc.

December 13, 2011

385800

Emily Anne Heintz

Royal Oak

MI

Quicken Loans Inc.

December 13, 2011

19049

Karen Ann Fitzpatrick

Portsmouth

RI

Embrace Home Loans, Inc.

December 13, 2011

813975

Natallia  Kolbun

Brooklyn

NY

Lyons Mortgage Services, Inc.

December 13, 2011

493343

Daniel Edward Nugent

Northville

MI

Quicken Loans Inc.

December 13, 2011

259069

David  Ratner

Mahwah

NJ

Real Estate Mortgage Network, Inc.

December 13, 2011

417520

Timothy Patrick Murphy

Cicero

NY

Springleaf Home Equity, Inc.

December 13, 2011

134579

Regan Brent Rutledge

Charlotte

NC

Reliance First Capital, LLC

December 13, 2011

177255

Lauren Tu Nguyen

Dallas

TX

Nationstar Mortgage LLC

December 14, 2011

414086

Joseph Francis Purschke

Fort Salonga

NY

Continental Home Loans Inc.

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