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New York State Department of Financial Services

Banking Division
Weekly Bulletin

March 1, 2013

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

For information on CRA applications and notices, please select this link.

SECTION II

This section 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

MB

Mortgage Banker

BP

Budget Planner

BR

Mortgage Broker

CC

Check Casher

MLS

Mortgage Servicer

CU

Credit Union

PF

Premium Finance Agency

FA

Foreign Agency

PB

Private Banker

FB

Foreign Branch

SD

Safe Deposit Company

FR

Foreign Representative Office

SF

Sales Finance Agency

HC

Holding Company

SL

Savings and Loan Association

IC

Investment Company

SB

Savings Bank

LL

Licensed Lender

TM

Transmitter of Money

MK

Merchant Bank

TR

Trust Company

MI

Miscellaneous

 

 

Regulatory Unit Codes

CRB

Community and Regional Banks

CSD

Consumer Services

FWB

Foreign and Wholesale Banks

LFS

Licensed Financial Services

MBD

Mortgage Banking


SECTION I

February 19, 2013 (CU-CRB)
DIRECTORS CHOICE CREDIT UNION
426 New Karner Road, Albany, NY 12205

Application dated February 14, 2013 for permission to change the location of principal office from 426 New Karner Road, Albany, County of Albany, NY 12205 to 1 South Family Drive, Albany, County of Albany, NY 12205, received.


February 28, 2013 (BK-CRB)
RIVERSIDE BANK
11-13 Garden Street, Poughkeepsie, NY 12601

Application dated February 14, 2013 for permission to change the location of branch office from 16 Vassar Road, Town of Poughkeepsie, Dutchess County, NY 12603 to 2064 New Hackensack Road, Town of Poughkeepsie, Dutchess County, NY 12603, received.


March 1, 2013 (PF-LFS)
AON PLC and AON HOLDINGS LLC
8 Devonshire Square, London, England EC2M 4PL and 200 East Randolph Street, Chicago, Illinois  60601

Application received for a change of control.  Aon plc and Aon Holdings LLC, newly created holding companies, are acquiring 100% indirect ownership of licensee Aon Premium Finance, LLC located at 200 East Randolph Street, Chicago, Illinois 60601.

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.


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

February 26, 2013 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
255 Old New Brunswick Road, Suite S210, Piscataway, NJ 08854

February 26, 2013 (MB-MBD)
Full Service Branch
Guaranteed Home Mortgage Company Inc.
Aspen Corporate Park II 1460 Rte.9 No. Suite #302, Woodbridge, NJ 07095

February 26, 2013 (MB-MBD)
Full Service Branch
M.T.G. Capital D/B/A Mortgage Capital Associates, Inc.
121 Highway 36, Suite 230, West Long Branch, NJ 07764


Application to establish a Mortgage Loan Servicer’s Branch received for examination corrected to include the name and location of the branch, as follows:

From:
July 12, 2011
Full Service Branch
Kondaur Capital Corporation
270 Sylvan Avenue, Suite 100, Englewood Cliffs, NJ 07632

To:
January 18, 2013
Full Service Branch
Kondaur Capital Corporation
10 Auer Court, Suite G, East Brunswick, NJ 08816


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

August 14, 2012

408667

Janice Anne Szallai

Whitehouse Station

NJ

October 9, 2012

240790

Tom A Andriopoulos

Washington Township

NJ

December 4, 2012

843565

Matthew  Underwood

Long Beach

NY

December 4, 2012

898021

Jaime  Thebner

East Setauket

NY

December 14, 2012

583479

Jamie Marie Burton

Indianapolis

IN

January 4, 2013

54062

Douglas  Familia

Bedford Hills

NY

January 11, 2013

855276

Xiaohua  Li

Elmhurst

NY

January 22, 2013

972861

Eric Todd Steinberg

Mastic Beach

NY

January 22, 2013

979042

Michael A Warner

Milford

CT

January 23, 2013

1002637

Michelle Lynn Delgaudio

Waterford

NY

January 25, 2013

1009035

Joseph  Deleo

East Greenwich

RI

January 25, 2013

24050

William Charles Wild

Coram

NY

January 28, 2013

999272

Brianne Lynn Pieklik

Newport

RI

January 28, 2013

1003377

Daniel  Aupperle

Sewell

NJ

January 28, 2013

938373

Carl Lavern Mack

Livonia

MI

January 28, 2013

822323

Joseph Patrick Walker

Rancho Cordova

CA

January 28, 2013

959945

Mary C Hope

Jacksonville

FL

January 28, 2013

1003388

Andrew Terrence Culkin

Galloway

NJ

January 28, 2013

1003842

Timothy Robert Waiss

Costa Mesa

CA

January 28, 2013

261048

Anthony A Dicriscio

Cherry Hill

NJ

January 28, 2013

224939

Kevin  Smith

Laurel

MD

January 30, 2013

861280

Ryan Mathew Stallsmith

Fraser

MI

January 30, 2013

984672

David James Martin

Beverly Hills

MI

January 31, 2013

222840

Susan Lin-Yee Poon Wong

East Brunswick

NJ

January 31, 2013

584248

Brett Thomas Mcgrew

Canton

MI

January 31, 2013

419093

Peter  Barbey

Pomona

NY


SECTION II

January 23, 2013 (PF-LFS)
IPFS CORPORATION UANS PREMIUM FINANCING SPECIALISTS AND IMPERIAL CREDIT
1055 Broadway, 11th Floor, Kansas City, MO 64105

License to engage in business as a premium finance agency at 8245 Nieman Road, Suite 100, Lenexa, KS 66214 was surrendered.


January 24, 2013 (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 acquire certain assets and assume certain liabilities from Emigrant Bank, New York, NY, accepted.

The transaction, if approved and consummated, will result in 29 branch offices of Emigrant Bank becoming branch offices of Apple Bank for Savings.


January 29, 2013 (PF-LFS)
PREMIER CREDIT CORP.
340 East 149th Street, Bronx, NY 10451

License to engage in business as a premium finance agency was surrendered.


February 11, 2013 (CC-LFS)
REGINA CHECK CASHING CORP. 
739 West Nyack Road, West Nyack NY 10994

Licenses to engage in business as casher of checks for the mobile units servicing employees of the following establishments were surrendered:

  • General Motors Corp., 199 Beekman Avenue, Tarrytown, NY 10591
  • Electric Specialty Heating, 160 Wildey Street, Tarrytown, NY 10591
  • Technician Instrument Corp., Benedict Avenue, Tarrytown, NY 10591

February 15, 2013 (CC-LFS)
PETER DESALVO
2046-A Eastchester Road, Bronx, NY 10461

An application for a change of control of Eastchester Check Cashing, Inc., a licensed casher of checks, was approved.


February 22, 2013 (BP-LFS)
DEBT REDUCTION SERVICES, INC.
6213 N. Cloverdale Road, Suite 100, Boise, Ada County, Idaho 83713

A rider was issued in connection with the relocation to: 3920 Veterans Highway, Suite 10, Bohemia, Suffolk County, NY 11716 from: 1 Corporate Drive, Suite 104, Bohemia, Suffolk County, NY 11716.


February 25, 2013 (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 acquire certain assets and assume certain liabilities from Emigrant Bank, New York, NY, approved.

The transaction, when consummated, will result in 29 branch offices of Emigrant Bank becoming branch offices of Apple Bank for Savings.


February 25, 2013 (SB-CRB)
EMIGRANT BANK
5 East 42nd Street, New York, NY 10017

Application, pursuant to Section 337 of the Banking Law, to sell to Apple Bank for Savings, Manhasset, NY, the safe deposit business conducted at the following 15 offices, approved:

250 West 23rd Street, Borough of Manhattan, City of New York 10011
2526 Grand Concourse, Borough of Bronx, City of New York 10458
370 East 149th Street, Borough of Bronx, City of New York 10455
74 Hugh J. Grant Circle, Borough of Bronx, City of New York 10472
101 East 170th Street, Borough of Bronx, City of New York 10452
2021 Bartow Avenue, Borough of Bronx, City of New York 10475
85 Pondfield Road, Bronxville, Westchester County, New York 10708
1954 Flatbush Avenue, Borough of Brooklyn, City of New York 11234
418 Myrtle Avenue, Borough of Brooklyn, City of New York 11205
1617 Avenue M, Borough of Brooklyn, City of New York 11230
102-35 Queens Boulevard, Forest Hills, Borough of Queens, City of New York 11375
280 East Park Avenue, Long Beach, Nassau County, New York 11561
1000 Merchants Concourse, Westbury, Town of Hempstead, Nassau County, New York 11590
200 Birch Hill Road, Locust Valley, Town of Oyster Bay, Nassau County, New York 11560
333 Glen Cove Avenue, Sea Cliff, Nassau County, New York 11579

(The sale is in conjunction with the acquisition by Apple Bank for Savings of these and other branch offices from Emigrant Bank.)


February 25, 2013 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

Authorization issued to open and occupy a branch office at Mansion Square Shopping Center, 3421 State Street, Town of Niskayuna, Schenectady County, NY 12304, on or after February 26, 2013.


February 25, 2013 (MI-CRB)
FIRST REPUBLIC BANK
111 Pine Street, San Francisco, CA 94111

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 80 Broad Street, Borough of Manhattan, City of New York 10004 will not result in a significant reduction of banking services in the community to be affected.


February 26, 2013 (TR-CRB)
ANTHOS TRUST COMPANY, LLC
277 Park Avenue, New York, NY 10172

Approval given to change the location of principal office from 277 Park Avenue, Borough of Manhattan, City of New York 10172  to 245 Park Avenue, Borough of Manhattan, City of New York 10167, on or after February 26, 2013.


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

February 25, 2013 (BR-MBD)
Full Service Branch
Absolute Home Mortgage Corporation
2600 Philmont Avenue, Suite 212, Huntingdon Valley, PA 19006


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

February 25, 2013 (MB-MBD)
Full Service Branch
US Mortgage Corporation
8702 Flatlands Avenue, Suite 100, Brooklyn, NY 11236

February 25, 2013 (MB-MBD)
Full Service Branch
NJ Lenders Corp. D/B/A Home Owners Mortgage Express
Additional D/B/A(s): Coastal Lenders
Silver Bay Lending
17 South Franklin Turnpike, Office #3-2 3rd Floor, Ramsey, NJ 07446

February 25, 2013 (MB-MBD)
Full Service Branch
M.T.G. Capital D/B/A Mortgage Capital Associates, Inc.
230 Collingwood, Suite 260B, Ann Harbor, MI 48103


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

February 27, 2013 (MB-MBD)
Full Service Branch
US Mortgage Corporation
1325 Paterson Plank Road, Suite A, Secaucus, NJ 07094
Effective Date: February 15, 2013


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

February 26, 2013 (BR-MBD)
The Mortgage Gallery Ltd.
3000 Marcus Avenue, Suite 3W7, Lake Success, NY 11042
Effective Date: February 07, 2013

February 26, 2013 (BR-MBD)
Radcliffe Funding Corp.
5036 Jericho Turnpike, Suite 305, Commack, NY 11725
Effective Date: February 26, 2013


Mortgage Broker Certificate Address Changes:

February 22, 2013 (BR-MBD)
Flamingo Credit Inc.
From: 1788 Richmond Road, Suite A, Staten Island, NY 10306
To: 591 Midland Avenue, Suite 2, Staten Island, NY 10306

February 25, 2013 (BR-MBD)
Long Street Home Equity Corp.
From: 400 Post Avenue, Suite 100, Westbury, NY 11590
To: 6851 Jericho Turnpike, Suite 185, Syosset, NY 11791 4460


Mortgage Banker License Address Changes:

February 25, 2013 (MB-MBD)
Wall Street Mortgage Bankers Ltd. D/B/A Power Express
From: 1111 Marcus Avenue, 3rd Floor, Lake Success, NY 11042
To: 1111 Marcus Avenue, Suite LL08, Lake Success, NY 11042 1034


Mortgage Banker Branch License Address Changes:

February 22, 2013 (MB-MBD)
Guaranteed Home Mortgage Company Inc.
From: 95 Allens Creek Road, Building 2, Suite 120, Rochester, NY 14618
To: 20 Wildbriar Road, Suite C, Rochester, NY 14623

February 22, 2013 (MB-MBD)
Plaza Home Mortgage, Inc.
From: 7077 Bonnevale Road, #410, Jacksonville, FL 32216
To: 4655 Salisbury Road, Suite 250, Jacksonville, FL 32256


Application approved February 22, 2013 pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for Morgan Stanley, through its direct subsidiaries Morgan Stanley Tower, LLC; Morgan Stanley Capital Management, LLC; Morgan Stanley Commercial Financial Services, Inc., and indirect subsidiary Morgan Stanley JV Holdings LLC

To acquire an interest in:
Morgan Stanley Smith Barney LLC
2000 Westchester Avenue, Purchase, NY 10577


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

February 21, 2013

913393

Timothy John Emmitt Jr.

Berkley

MI

Quicken Loans Inc.

February 21, 2013

98368

Michael David Smith

Waterford

MI

Quicken Loans Inc.

February 21, 2013

66618

Thomas Nicholas Regina

Staten Island

NY

Agent Funding & Abstract,LLC

February 21, 2013

69603

Ricci  Merendino

Colts Neck

NJ

Guaranteed Home Mortgage Company, Inc.

February 21, 2013

908987

Frank J Desetto

Staten Island

NY

Citybrook Corp

February 21, 2013

897213

Terry  Colaiacovo

West Babylon

NY

Interstate Home Loan Center, Inc

February 21, 2013

211179

David  Sant'Angelo

Rumson

NJ

Jersey Mortgage Company of New Jersey, Inc.

February 21, 2013

975018

Sheila Stowell Kelly

Marcellus

NY

1st Priority Mortgage, Inc.

February 21, 2013

302428

Dawn M Terbush

Smithtown

NY

PHH Home Loans, LLC

February 21, 2013

893659

Michael Anthony Greski

Marlton

NJ

PHH Mortgage Corporation

February 21, 2013

198688

Steven  Czopek

Southgate

MI

Quicken Loans Inc.

February 21, 2013

973088

Paul  Mirdita

Bronx

NY

CUSTOMIZED MORTGAGE SOLUTIONS, LLC

February 21, 2013

847801

Ahmed Fadel Chamander

Deaborn

MI

Quicken Loans Inc.

February 21, 2013

12269

Qun Ying  Zhang

Flushing

NY

Summit Mortgage Bankers, Inc.

February 21, 2013

206704

Vincent Nino Avallone

Mullica Hill

NJ

Greentree Mortgage Company, Limited Partnership

February 21, 2013

596728

Ai X Tsang

Flushing

NY

Prospect Mortgage, LLC

February 21, 2013

27521

Paul  Blanchard

Rochester Hills

MI

Quicken Loans Inc.

February 21, 2013

41256

Thomas Joseph Young Jr

Jacksonville

FL

PHH Mortgage Corporation

February 21, 2013

58865

Kim Lauren Moskovic

New City

NY

Real Estate Mortgage Network, Inc.

February 21, 2013

894470

Blaire Parker Woodall

Highland Village

TX

Nationstar Mortgage LLC

February 21, 2013

759462

Harinder Pal Singh

Dix Hills

NY

Residential Home Funding Corp.

February 21, 2013

211505

Brett Michael Payne

Costa Mesa

CA

loanDepot.com, LLC

February 21, 2013

64701

Sergio  Lopez

Holtsville

NY

Interstate Home Loan Center, Inc

February 21, 2013

920995

Jeremy Alan Painter

Jacksonville

FL

PHH Mortgage Corporation

February 21, 2013

339721

Ciara Snow Mendez-Verdecchio

Wilmington

DE

New Penn Financial, LLC

February 21, 2013

948563

Matthew  Tonkin

Rensselaer

NY

Maple Tree Funding LLC

February 21, 2013

602884

Joseph  Campagna

Staten Island

NY

Continental Home Loans Inc.

February 21, 2013

200209

Laura T O'Branovic

Berkley

MI

Quicken Loans Inc.

February 21, 2013

922578

Matthew Thomas Hinton

Philadelphia

PA

PHH Mortgage Corporation

February 21, 2013

906528

Amy  Torres

West Babylon

NY

Foxx Capital Funding, Inc

February 21, 2013

980134

Scott Michael Loyer

West Islip

NY

Reliance First Capital, LLC

February 21, 2013

913725

Michael Steven Wilmoth

Royal Oak

MI

Quicken Loans Inc.

February 21, 2013

200985

Susan Lynn Adamson

Manteno

IL

Triad Financial Services, Inc.

February 21, 2013

964761

Daniel Edward Wiegand

Fenton

MI

One Reverse Mortgage, LLC

February 21, 2013

830061

Amy J Horvat

Syracuse

NY

Nationwide Equities Corporation

February 21, 2013

951127

Marliesha Layne Darnell

Detroit

MI

Quicken Loans Inc.

February 21, 2013

110956

Andy Lee Thaw

Brightwaters

NY

Patriot One Mortgage Bankers, LLC

February 21, 2013

847786

Graham Robert Dresselhouse

Plymouth

MI

Quicken Loans Inc.

February 21, 2013

887221

Heather Paige Mosher

New York

NY

Vanguard Funding LLC

February 21, 2013

812698

David Walter Kaltenrieder

Chesterfield

MO

Altisource Fulfillment Operations, Inc.

February 21, 2013

913386

Joseph Thomas Desjardins

Romulus

MI

Quicken Loans Inc.

February 21, 2013

385995

Richard  Bange

Levittown

NY

Mortgage Master, Inc.

February 21, 2013

15835

Sean Auburn Robbins

Medford

NJ

Freedom Mortgage Corporation

February 21, 2013

913535

Sarah Anne Lang

Detroit

MI

Quicken Loans Inc.

February 21, 2013

899955

Nina Marie Thumm

Marlton

NJ

PHH Mortgage Corporation

February 21, 2013

929531

Michael Joseph Pollio

Long Valley

NJ

Meadowbrook Financial Mortgage Bankers Corp.

February 21, 2013

410105

Kenrick Robin Mykoo

Bayshore

NY

Prospect Mortgage, LLC

February 21, 2013

7914

John Stephen Boysen Iii

Jacksonville

FL

PHH Mortgage Corporation

February 21, 2013

845675

Madeline Lucille Caminiti

Middle Village

NY

Contour Mortgage Corporation

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