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Weekly Bulletin

August 24 , 2012

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 Company

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

August 16, 2012 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

Notice of intention to close branch office at 404 South Hamilton Street, Town of Erwin, Steuben County, NY 14870, received.

The comment period on this notice will expire October 1, 2012.


August 17, 2012 (MI-CRB)
PEOPLES NEIGHBORHOOD BANK
82 Franklin Avenue, Hallstead, PA 18822

Application dated August 15, 2012 for permission to open and occupy a branch office at 275 Main Street, Binghamton, Broome County, NY 13905, received.


August 20, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applications dated August 16, 2012 for permission to open and occupy branch offices for the limited purpose of serving commercial customers at the following two locations, received:

  1. 280 Congress Street, Boston, Suffolk County, MA 02210; and
  2. 72A Taunton Street, Plainville, Norfolk County, MA 02762.

August 20, 2012 (SB-CRB)
APPLE BANK FOR SAVINGS
1395 Northern Boulevard, Manhasset, NY 11030

Application, pursuant to Section 601-a of the Banking Law, for Apple Bank for Savings to assume certain liabilities and acquire certain assets from Emigrant Bank, received.

The transaction, if approved and consummated, will result in 29 branch offices of Emigrant Bank (after the completion of the proposed merger of Emigrant Savings Bank-Manhattan, Emigrant Savings Bank-Brooklyn/Queens, Emigrant Savings Bank-Bronx/Westchester, and Emigrant Savings Bank-Long Island, with and into Emigrant Bank, under the name Emigrant Bank) becoming branch offices of Apple Bank for Savings.

The comment period will expire on September 24, 2012.


August 21, 2012 (SF-LFS)
TD AUTO FINANCE LLC
27777 Inkster Road, Farmington Hills, Oakland County, MI  48334

Notification received to correct the address to reflect the correct county for the sales finance company license at the following branch location:

From:    2050 Roanoke Road, Denton County, Westlake, TX  76262
To:        2050 Roanoke Road, Tarrant County, Westlake, TX  76262


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

April 30, 2012

885459

Fiore Vincent D'Angelo

Shirley

NY

May 24, 2012

210331

Michele  Fiore

Navesink

NJ

June 5, 2012

29082

Maritza  Martinez

Ronkonkoma

NY

June 18, 2012

202583

Dominick Joseph Angotti

Freehold

NJ

June 28, 2012

843055

Donald William Kisselbach

New Rochelle

NY

July 2, 2012

7607

George Vasilios Artemiou

Whitestone

NY

July 10, 2012

936967

Richard Wayne Zboray

Huntington

NY

July 10, 2012

913395

Lauren Sari Flaum

Toledo

OH

July 10, 2012

584663

Whitney Luther

Amityville

NY

July 27, 2012

819631

Patricia Anne Van Sandt

Jacksonville

FL

August 6, 2012

921714

Noah Dewayne Shaw

Jacksonville

FL

August 6, 2012

211505

Brett Michael Payne

Costa Mesa

CA

August 6, 2012

938324

Patrick John Salvato

Webster

NY

August 6, 2012

913817

Teresa Michelle Kuznik

Brunswick

OH

August 6, 2012

774735

David Leonard Rome

Shaker Heights

OH

August 6, 2012

894750

Jordan Christian Taylor Williams

Jacksonville

FL

August 6, 2012

213567

Shannon Elizabeth Kelly

Costa Mesa

CA

August 7, 2012

395159

Chase Adam Dameron

Mission Viejo

CA

August 7, 2012

453983

Cheryl Ann Staley

Sacramento

CA

August 7, 2012

104013

Michael Heath Genzlinger

Aliso Viejo

CA

August 7, 2012

216276

Joanna  Mann

Laguna Niguel

CA

August 7, 2012

210561

Richard Charles Worley

Wood Dale

IL

August 7, 2012

921150

Michael  Britt

Jacksonville

FL

August 7, 2012

275084

Choan Elwin Hatzenbuhler

Newport Beach

CA

August 8, 2012

922577

Leonard Robert Oliveri

Sewell

NJ

August 8, 2012

920884

Jocqua Emery Keeton

Orange Park

FL

August 8, 2012

922571

Sean Michael Fitz-Patrick

Cinnaminson

NJ

August 8, 2012

913670

Brian Alexander Shaw

Clarkston

MI

August 9, 2012

913717

Jason Michael Todd

Lincoln Park

MI

August 9, 2012

902840

Joshua Seth Coy

Columbia

MO


SECTION II

August 15, 2012(LL-LFS)
MARINER FINANCE, LLC
3301 Boston Street, #201, Baltimore, MD 21224

Licenses to engage in business as a licensed lender at the above location and branches at the following (5) locations were issued:

  1. 3214 Erie Boulevard East,  Syracuse, NY 13214
  2. 145 Wolf Road, Suite 6, Colonie, NY 12205
  3. 1600 Ridge Road West, Suite 11, Rochester, NY 14615
  4. 1900 Ridge Road, Suite 108, West  Seneca, NY 14224
  5. 1901 Vestal Parkway East, Vestal, NY 13850

August 17, 2012 (MS-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

Approval given to change the location of branch office from 545 Troy-Schenectady Road, Latham, Town of Colonie, Albany County, NY 12110 to 1202 Troy-Schenectady Road, Latham, Town of Colonie, Albany County, NY 12110, on or after August 18, 2012.


August 17, 2012 (SB-CRB)
EMIGRANT SAVINGS BANK - MANHATTAN
250 West 23rd Street, New York, NY 10011

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 375 Hudson Street, Borough of Manhattan, City of New York 10014 will not result in a significant reduction of banking services in the community to be affected.


August 22, 2012 (SB-CRB)
NORTHEAST COMMUNITY BANK
325 Hamilton Avenue, White Plains, NY 10601

Authorization issued to open and occupy a branch office at 271-281 Quincy Avenue, Quincy, Norfolk County, MA 02169, on or after August 23, 2012.


August 22, 2012 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

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

  1. 351 North Main Street, Elmira, Chemung County, NY 14901;
  2. 1019 Center Street, Horseheads, Chemung County, NY 14845; and
  3. 2075 Lake Road, Elmira Heights, Town of Horseheads, Chemung County, NY 14903.

Offices discontinued as of August 17, 2012.


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

August 20, 2012 (MB-MBD)
Budget Mortgage Bankers, Ltd.
122 East 42nd Street, Suite 1015, New York, NY 10168 1099
Effective Date: August 09, 2012


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

August 20, 2012 (BR-MBD)
Full Service Branch
UBS Financial Services Inc.
130 South Union Street, Olean, NY 14760
Effective Date: August 08, 2012

August 20, 2012 (BR-MBD)
Full Service Branch
Morgan Stanley Smith Barney LLC
350 Essjay Road, Williamsville, NY 14221
Effective Date: August 09, 2012

August 22, 2012 (BR-MBD)
Full Service Branch
Morgan Stanley Smith Barney LLC
1700 Mony Tower I, Syracuse, NY 13202
Effective Date: August 08, 2012


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

August 20, 2012 (MB-MBD)
Full Service Branch
Gateway Funding Diversified Mortgage Services, L.P.
345 South Avenue, Garwood, NJ 07027
Effective Date: August 08, 2012


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

August 16, 2012 (BR-MBD)
Camelot Mortgage Co., Inc.
2562 Neptune Avenue, Seaford, NY 11783 3410

August 16, 2012 (BR-MBD)
McAlllewis LLC
130-55 Springfield Boulevard, Springfield Gardens, NY 11413 1121

August 21, 2012 (BR-MBD)
GNS Funding Corp.
12 West 23rd Street, 4th Floor, New York, NY 10010

August 22, 2012 (BR-MBD)
Y.B.B. Solutions LLC
1907 Edenwald Avenue, Bronx, NY 10466 2224


Mortgage Broker Certificate Address Changes:

August 20, 2012 (BR-MBD)
Home Mortgage Network, LLC
From: 930 Albany Shaker Road, Suite 102, Latham, NY 12110
To: 930 Albany Shaker Road, Suite 109, Latham, NY 12110 6412


August 16, 2012 (MB-MBD)
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
From: 152 Madison Avenue, 15th Floor, New York, NY 10016
To: 152 Madison Avenue, 23rd Floor, New York, NY 10016

August 20, 2012 (MB-MBD)
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
From: 125 Sully's Trail, Suite 4A, Pittsford, NY 14534
To: 53-B South Main Street, New City, NY 10956


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:

August 17, 2012 (BR-MBD)
Applicant(s)
Terrence R. Hastings
To acquire interest in:
The Cobblestone Group of Connecticut In Lieu of True Name The Cobblestone Group
Additional DBA(S): Ladd Financial
Hamilton Ladd
724 Danbury Road, Ridgefield, CT 06877 2743

August 16, 2012 (MB-MBD)
Applicant(s)
Mark S. Rosenbloom
To acquire interest in:
United Mortgage Corp. UAN
NY Finest Funding
Additional DBA(S): United Global Group
510 Broadhollow Road, Suite 202, Melville, NY 11747 3606


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

375857

Ricardo Marcelo Deleon

Jacksonville

FL

August 16, 2012

167647

Patrick D Callahan

West Babylon

NY

August 17, 2012

183025

Gun Tony Kim

Flushing

NY

August 17, 2012

713786

Charles Patrick Weiler

Detroit

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

August 17, 2012

130811

Patrick J Miller

Westhampton

NY

Vanguard Funding LLC

August 17, 2012

792268

Drew Mackenzie Bowie

Annapolis

MD

New Day Financial, LLC

August 17, 2012

913752

Joseph Ross Trocino

Macomb

MI

One Reverse Mortgage, LLC

August 17, 2012

638042

Angela C Hoag

Albany

NY

Homestead Funding Corp.

August 17, 2012

372247

David R Accomando

Merrick

NY

State Farm Bank, F.S.B.

August 17, 2012

583540

Steven Michael Moats

Northfield

OH

Quicken Loans Inc.

August 17, 2012

82091

Pablo Armando Lesma

Staten Island

NY

Platinum Finance Brokers, LTD

August 17, 2012

385822

Adam Franklin Smith

Royal Oak

MI

Quicken Loans Inc.

August 17, 2012

891329

Thomas Jack Swayne

Clarkston

MI

Quicken Loans Inc.

August 17, 2012

847811

Brittanay Cherise Dillard

Wixom

MI

Quicken Loans Inc.

August 17, 2012

385384

Stephen Michael Martin

Waterford

MI

One Reverse Mortgage, LLC

August 17, 2012

312177

Julius Robinson Berry

Brentwood

NY

Reliance First Capital, LLC

August 17, 2012

350991

Anthony Bernard-Aaron Cardwell Junior

Lakewood

OH

Quicken Loans Inc.

August 17, 2012

819864

Morris M Varon

Briarwood

NY

Guaranteed Rate, Inc.

August 17, 2012

313243

Jocelyn Michelle Ransier

Phoenix

AZ

Quicken Loans Inc.

August 17, 2012

905664

Edward Thomas Sassano

Seaford

NY

Continental Home Loans Inc.

August 17, 2012

888016

John Earl Frame

Bellmawr

NJ

PHH Mortgage Corporation

August 17, 2012

879261

Jessie James Vidrio

La Mirada

CA

American Advisors Group

August 17, 2012

205205

Kent Harry Bostic

Lutherville

MD

NFM, Inc.

August 17, 2012

827005

Kelsey Ann Coljohn

Broadview Hts.

OH

Quicken Loans Inc.

August 17, 2012

838666

Evan Philip-Douglas Feringa

Grosse Pointe Park

MI

One Reverse Mortgage, LLC

August 17, 2012

891500

Abdallah Joseph Eid

Shelby Twp.

MI

Quicken Loans Inc.

August 17, 2012

846017

Zachary Brian Winder

Indian Land

SC

Reliance First Capital, LLC

August 17, 2012

847789

Leah Christine Lahtinen

Detroit

MI

Quicken Loans Inc.

August 17, 2012

813592

Michael Charles Minear

Livonia

MI

Quicken Loans Inc.

August 17, 2012

894296

Marcus Tyrone Powell

Costa Mesa

CA

American Advisors Group

August 17, 2012

485954

Inez M Gomez

Bronx

NY

Associated Mortgage Bankers, Inc.

August 17, 2012

813612

Matthew John Slade

Canton

MI

Quicken Loans Inc.

August 17, 2012

262568

Jason Matthew Gardner

Jacksonville

FL

PHH Mortgage Corporation

August 17, 2012

813556

Steven Paul Carden

Dearborn

MI

Quicken Loans Inc.

August 17, 2012

838669

Jeffrey David Flora

Northville

MI

Quicken Loans Inc.

August 17, 2012

208366

Namit  Namit

Aventura

FL

East Coast Capital Corp

August 17, 2012

869530

Julie Ann Smith

Mckinney

TX

Nationstar Mortgage LLC

August 17, 2012

888028

Paul Thomas Soutar

Mt. Laurel

NJ

PHH Mortgage Corporation

August 17, 2012

397615

Steven Christopher Strauss

Brownstown

MI

Quicken Loans Inc.

August 17, 2012

891509

Olivia Ashley Ikeler

Sterling Heights

MI

Quicken Loans Inc.

August 17, 2012

237292

Ali F. Alemi

Lake Hiawatha

NJ

First Residential Mortgage Services Corporation

August 17, 2012

868934

Christopher Scott Hill

Columbia

MO

Mortgage Research Center, LLC

August 17, 2012

420335

Noelle Erin Morovich

Lakewood

OH

Quicken Loans Inc.

August 17, 2012

145021

Richard Neal Kassarich

Wynnewood

PA

Freedom Mortgage Corporation

August 17, 2012

141938

Jonathon Lynn Geitgey

Carmel

IN

Freedom Mortgage Corporation

August 17, 2012

892387

Curt Douglas Campbell

Farmington Hills

MI

One Reverse Mortgage, LLC

August 17, 2012

186350

Khosrow D Ghazi

Mastic

NY

US Mortgage Corporation

August 17, 2012

891205

Bradley John Bury

Shelby Township

MI

Quicken Loans Inc.

August 17, 2012

171206

Shawn Anthony Bishop

Souderton

PA

GMAC Mortgage, LLC

August 17, 2012

493362

Joseph Francis Vivona

Westlake

OH

Quicken Loans Inc.

August 17, 2012

66354

Laura Ann Sala

Staten Island

NY

Louis A D'Alotto

August 17, 2012

585397

Derek Doyle Mosley

Wyandotte

MI

Quicken Loans Inc.

August 17, 2012

891322

Fadey Talal Samhan

Okemos

MI

Quicken Loans Inc.

August 17, 2012

859042

James Murray Pitton

Newport Beach

CA

American Advisors Group

August 17, 2012

888004

David Charles Moser

Haddon Township

NJ

PHH Mortgage Corporation

August 17, 2012

832261

Michael H. Kramer

East Northport

NY

Continental Home Loans Inc.

August 17, 2012

406043

Heather Lynne Connell

Elbridge

NY

SYRACUSE SECURITIES INC.

August 17, 2012

872154

Marjan  Krcic

Farmington Hills

MI

Quicken Loans Inc.

August 17, 2012

181812

Christopher Edward Parker

Bloomfield Hills

MI

Quicken Loans Inc.

August 17, 2012

847896

Daniel Paul Schonauer

Perry

OH

Quicken Loans Inc.

August 17, 2012

71589

Bernard Charles Camarda

Valley Stream

NY

Interstate Home Loan Center, Inc

August 17, 2012

253778

Stephanie Lynn Miller

Cohoes

NY

The Funding Store LLC

August 17, 2012

66890

Luis Joseph Khoury Jr

Seaford

NY

United Mortgage Corp.

August 17, 2012

838663

Samantha Heather Ellis

White Lake

MI

Quicken Loans Inc.

August 17, 2012

198561

Megan Marie Russell

Trenton

MI

Quicken Loans Inc.

August 17, 2012

583598

Michael Eugene Pitts

Columbia

MO

Mortgage Research Center, LLC

August 17, 2012

29121

Ernest Francis Bonifazio

Bohemia

NY

ASEAN CAPITAL, INC.

August 17, 2012

813651

Barbara Marie Benell

Gilbert

AZ

Quicken Loans Inc.

August 17, 2012

430021

Andrew Reinhart Graham

Fort Worth

TX

Nationstar Mortgage LLC

August 17, 2012

891519

Joseph Alexander Kobayashi

Grosse Pointe Shores

MI

Quicken Loans Inc.

August 17, 2012

838652

Adnan  Asif

Detroit

MI

Quicken Loans Inc.

August 17, 2012

827013

Tyler Benjamin Bekius

Cleveland

OH

Quicken Loans Inc.

August 17, 2012

141973

Edward Joseph Sedlar Jr.

Westminster

MD

New Day Financial, LLC

August 21, 2012

433506

Daniel John Pisani

Hicksville

NY

Contour Mortgage Corporation

August 21, 2012

385383

Bruce Kevin Mangrum

Detroit

MI

One Reverse Mortgage, LLC