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Banking Division
Weekly Bulletin

January 10, 2014

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.

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


January 10, 2014
CALL FOR REPORTS

The Superintendent of Financial Services issues a call for reports of condition and income from banks, trust companies and private bankers as at the close of business December 31, 2013.  In accordance with Part 23 of the General Regulations of New York State, those banks and trust companies which file similar reports with the Federal Reserve Bank of New York or the Federal Deposit Insurance Corporation do not have to file separate reports with this Department.  Banks, trust companies, and private bankers that are required to file reports with the Department of Financial Services are reminded that failure to file these reports by February 3, 2014 will result in a violation of Sections 37, 125 or 176 of the Banking Law which authorize fines for each day an institution is delinquent in filing of any required report.


SECTION I

January 6, 2014 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at The Burdett Building, 251 River Street, Troy, Rensselaer County, NY 12180, received.

The comment period on this notice will expire February 10, 2014.


January 7, 2014 (TR-CRB)
THE BANK OF CASTILE
50 North Main Street, Castile, NY 14427

Application dated December 31, 2013, for permission to open and occupy a branch office at 3140 Monroe Avenue, Town of Pittsford, Monroe County, NY 14618, received.


January 8, 2014 (BK-CRB)
ADIRONDACK BANK
185 Genesee Street, Utica, NY 13501

Application dated January 6, 2014, for permission to open and occupy a branch office at Avenue Plaza, 4697-A Commercial Drive, Town of New Hartford, Oneida County, NY 13413, received.


January 8, 2014 (BK-CRB)
COUNTRY BANK
655 Third Avenue (9th Floor), New York, NY  10017

Application dated January 3, 2014, for permission to open and occupy a branch office at 655 Third Avenue (Ground Floor), Borough of Manhattan, City of New York 10017, received.


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

January 08, 2014 (MB-MBD)
Applicant(s)
Bruce Witherell
David Essex
Marc Toscano
David Basaleli
FirstKey Holdings, LLC
FK Master Holdings, Inc.
FKM Holdings, LLC
As: FirstKey Mortgage, LLC
4 International Drive, Suite 110, Rye Brook, NY 10573 1065


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

January 08, 2014 (BR-MBD)
Full Service Branch
G&I Homes, Inc.
2138 Doubleday Avenue, Ballston Spa, NY 12020


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

January 08, 2014 (MB-MBD)
Full Service Branch
New Penn Financial, LLC
55 Beattie Place, Suite 500, Greenville, SC 29601

January 08, 2014 (MB-MBD)
Full Service Branch
Meadowbrook Financial Mortgage Bankers  Corp.
70-17 37th Avenue, Suite 2F, Jackson Heights, NY 11372

January 08, 2014 (MB-MBD)
Full Service Branch
Ark-La-Tex Financial Services, LLC D/B/A Benchmark Lending
29 Atlantic Avenue, Suite J, Oceanview, DE 19970

January 08, 2014 (MB-MBD)
Full Service Branch
New Penn Financial, LLC
2020 S. Dairy Ashford Road, Suite 200, Houston, TX 77077


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

September 27, 2012

440409

William Bradley Durrer

Spring Hill

TN

February 28, 2013

60824

Douglas  Tredinnick

Vernon

NJ

May 14, 2013

179363

Michael  Turner

Jamaica

NY

August 16, 2013

1068722

Nicholas Anthony Born

Columbia

MO

August 19, 2013

388322

Brian Tae Kim

Irvine

CA

August 20, 2013

261186

Richard Rey Salazar

Hoffman Estates

IL

August 27, 2013

283640

Gabriela  Moore

Corona

CA

September 9, 2013

214333

Mehdi Matt Nouraei

Irvine

CA

October 7, 2013

1106118

Matthew Aaron Johnson

Brewerton

NY

October 17, 2013

252587

Naumce  Marenoski

Saddle Brook

NJ

October 18, 2013

239403

Michael Spencer Wolff

Mahopac

NY

December 12, 2013

977118

Nathan Michael Conklin

Indianapolis

IN

December 13, 2013

1066181

Jay Roger Sloan

Detroit

MI

December 16, 2013

1087106

Sarah Rose Kest

Birmingham

MI

December 16, 2013

1097467

Marc Joseph Rice

Redford

MI

December 18, 2013

1037782

David J Herbst

Farmingdale

NY

December 18, 2013

1123222

Erik James Mikkelsen

Hunington Beach

CA

December 19, 2013

1127317

Brandon Hamilton Huckstep

Inkster

MI

December 19, 2013

1121893

Lauren Nicole Schumer

Kansas City

MO

December 19, 2013

1066473

John William Dillon

Woodhaven

MI


SECTION II

December 27, 2013 (BP-LFS)
CLEARPOINT FINANCIAL SOLUTIONS, INC.
8000 Franklin Farms Drive, Richmond, Henrico County, VA 23229

A rider was issued in connection with branch relocation, To: 6070 Six Forks Road, Suite D, Raleigh, Wake County, NC 27609, From: 6060-B Six Forks Road, Raleigh, Wake County, NC 27609.


January 6, 2014 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business as Private Bankers, filed for examination.

(These Private Bankers are already under the supervision of the Department.  New Certificate submitted by reason of the death of Douglas C. Walker, a General Partner/Class 1 Limited Partner.)


January 6, 2014 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, NY 12701

Authorization issued to open and occupy a branch office at 279 Main Street, Grahamsville, Town of Neversink, Sullivan County, NY 12740, on or after January 7, 2014.


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

January 6, 2014 (MLS-MBD)
Kondaur Capital Corporation
333 South Anita Drive, Suite 400, Orange, CA 92868


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

January 6, 2014 (MLS-MBD)
Full Service Branch
Kondaur Capital Corporation
One City Boulevard West, Suite 1700, Orange, CA 92868

January 6, 2014 (MLS-MBD)
Full Service Branch
Kondaur Capital Corporation
10 Auer Court, Suite G, East Brunswick, NJ 08816


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

January 06, 2014 (MB-MBD)
Full Service Branch
Cardinal Financial Company, LP D/B/A Sebonic Financial
444 Jacksonville Road, Warminster, PA 18974

January 06, 2014 (MB-MBD)
Full Service Branch
CitiFinancial Company U/F/N CitiFinancial Company (DE)
1102 Union Road, Southgate Place, West Seneca, NY 14224


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

January 08, 2014 (BR-MBD)
Romano Real Estate Inc.
783 Palisade Avenue, Yonkers, NY 10703
Effective Date: December 18, 2013

January 08, 2014 (BR-MBD)
Dalco Mortgage Company, LLC
355 Eisenhower Parkway, Suite 212, Livingston, NJ 07039 1039
Effective Date: December 30, 2013


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

January 07, 2014 (BR-MBD)
Full Service Branch
First Alliance Home Mortgage, LLC
1480 Route 9 North, Suite 302, Woodbridge, NJ 07095
Effective Date: January 07, 2014


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

January 06, 2014 (MB-MBD)
Full Service Branch
US Mortgage Corporation
36-51 Bell Boulevard, Suite 205, Bayside, NY 11361
Effective Date: December 13, 2013

January 07, 2014 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
101 Tyrellan Avenue, Suite 220, Staten Island, NY 10309
Effective Date: December 24, 2013

January 07, 2014 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
3461 US Highway 22, 2nd Floor Office Suite, Unit E, Branchburg, NJ 08876
Effective Date: December 24, 2013


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

January 07, 2014 (BR-MBD)
Thaniel J. Beinert
155 Bay Ridge Avenue, Brooklyn, NY 11220
Effective Date: January 07, 2014


Mortgage Broker Certificate Address Changes:

January 07, 2014 (BR-MBD)
Douglas Mo Mortgage Inc.
From: 580 Sylvan Avenue, Suite 2L, Englewood Cliffs, NJ 07632
To: 120 Sylvan Avenue, Suite 300, Englewood Cliffs, NJ 07632 2505

January 07, 2014 (BR-MBD)
The Hills Mortgage and Finance Company, L.L.C.
From: 2 North Road, Suite 1, Warren, NJ 07059
To: 10 Independence Boulevard, Suite 110, Warren, NJ 07059 2730

January 07, 2014 (BR-MBD)
First Alliance Home Mortgage, LLC
From: 115 Main Street, Woodbridge, NJ 07095
To: 1480 Route 9 North, Suite 302, Woodbridge, NJ 07095 1401


Mortgage Banker License Address Changes:

January 07, 2014 (MB-MBD)
FGMC In Lieu of True Name First Guaranty Mortgage Corporation
From: 8180 Greensboro Drive, Suite 500, McLean, VA 22102
To: 1900 Gallows Road, Suite 800, Tysons Corner, VA 22182 4098

January 08, 2014 (MB-MBD)
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
From: 499 Thornall Street, 2nd Floor, Edison, NJ 08837
To: 194 Wood Avenue South, 9th Floor, Iselin, NJ 08830 2761


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

January 2, 2014

889163

Frank V Collo

Staten Island

NY

Vanguard Funding LLC

January 2, 2014

375741

Jason Joseph Perino

Livonia

MI

One Reverse Mortgage, LLC

January 2, 2014

339983

Amy Lynn Wagner

Steubenville

OH

Reliance First Capital, LLC

January 2, 2014

984730

Adam Clifford Mcclintock Whitfield

Northville

MI

Quicken Loans Inc.

January 2, 2014

1112536

Jacqueline Marie Ruotsi

Grand Island

NY

Premium Mortgage Corp.

January 2, 2014

1107227

Katherine Mary Mcdermott

Livonia

MI

Quicken Loans Inc.

January 2, 2014

1089262

Litza  Casinover

Carle Place

NY

State Farm Bank, F.S.B.

January 2, 2014

44256

Tracey Maria Alba

West Islip

NY

Afc Funding Corporation

January 2, 2014

1023651

Britney Ann Lacy

Oak Park

MI

Quicken Loans Inc.

January 2, 2014

847829

Timothy John Iles Jr

Detroit

MI

Quicken Loans Inc.

January 2, 2014

900410

Jason  Spinelli

Dix Hills

NJ

Continental Mortgage Bankers, Inc

January 2, 2014

224939

Kevin  Smith

Laurel

MD

New Day Financial, LLC

January 2, 2014

29944

Jason Robert Leibowitz

Shamong

NJ

American Neighborhood Mortgage Acceptance Company LLC

January 2, 2014

920374

Christopher Anthony Duncan

Easton

PA

TBI Mortgage Company

January 2, 2014

1108345

Peter Joseph Russo Jr

Macomb

MI

Quicken Loans Inc.

January 2, 2014

42543

Antero David Iturriria

San Diego

CA

American Internet Mortgage, Inc.

January 2, 2014

26311

Alan Wayne Logan

Des Moines

IA

Nationwide Advantage Mortgage Company

January 2, 2014

46012

Khola Shou Herbert

San Diego

CA

American Internet Mortgage, Inc.

January 2, 2014

893369

Scott Richard Lanham

St. Augustine Beach

FL

PHH Mortgage Corporation

January 2, 2014

913080

Timur Vadimovich Avanesian

Commerce

MI

Quicken Loans Inc.

January 2, 2014

1059367

Alan Joseph Lea

Lewisville

TX

Nationstar Mortgage LLC

January 2, 2014

139551

Michael William Doncsecz

Langhorne

PA

TBI Mortgage Company

January 2, 2014

431688

Adriana  Carrozza

Pawling

NY

GFI Mortgage Bankers, Inc.

January 2, 2014

1086331

Edward Albert Lefloch

South Salem

NY

Warshaw Capital, LLC

January 2, 2014

1032067

Rachel Michelle Hirsh

Centennial

CO

Pulte Mortgage LLC

January 2, 2014

901398

Mark J Ryan

Lancaster

NY

NVR Mortgage Finance, Inc.

January 2, 2014

87589

Kyle Richard Glenn

Avon

OH

Quicken Loans Inc.

January 2, 2014

1037446

Joseph Daniel Garcia

Phoenix

AZ

Quicken Loans Inc.

January 2, 2014

301627

Joseph Anthony Anselmo

Morganville

NJ

American Neighborhood Mortgage Acceptance Company LLC

January 2, 2014

1097010

Christopher Scott Elia

West Bloomfield

MI

Quicken Loans Inc.

January 2, 2014

1083928

Gary D. Silberman

Lindenhurst

NY

Associated Mortgage Bankers, Inc.

January 2, 2014

1067380

Ryan Scott Stephenson

Las Vegas

NV

Cardinal Financial Company, Limited Partnership

January 2, 2014

1050613

Michael J Cabales Jr

Islip Terrace

NY

United Mortgage Corp.

January 2, 2014

56644

Robert A Russo

Hauppauge

NY

Hartford Funding LTD

January 2, 2014

1078020

Jeremy  Cohen

Roslyn

NY

Powerhouse Solutions, Inc.

January 2, 2014

175396

Thomas John Bilotti

Staten Island

NY

Advisors Mortgage Group, L.L.C.

January 2, 2014

198363

Christopher Joseph Haneline

Mayfield Heights

OH

Quicken Loans Inc.

January 2, 2014

905316

Mark Douglas Jankowski

Baltimore

MD

New Day Financial, LLC

January 2, 2014

349804

Sarah  Russell

Brooklyn

NY

Sarah Russell

January 2, 2014

1106520

Vincent  Chin

Bronx

NY

United Northern Mortgage Bankers Limited

January 2, 2014

902162

John Thomas Hoepf

Detroit

MI

Quicken Loans Inc.

January 2, 2014

1112759

Vikrant  Sharma

New York

NY

Bliss Home Funding Corp.

January 2, 2014

20789

Robert Lee Hailey

Indianapolis

IN

Royal United Mortgage LLC

January 2, 2014

18182

Gary  Goodman

North Kingstown

RI

Embrace Home Loans, Inc.

January 2, 2014

212419

Thomas F. Iuorno

Schenectady

NY

CCFCU Funding, LLC

January 2, 2014

1094723

Spencer Kane Thompson

Columbia

MO

Mortgage Research Center, LLC

January 2, 2014

1064106

Xiaohui  Lu

New York

NY

Continental Home Loans Inc.

January 2, 2014

67470

Saji  Thomas

New Hyde Park

NY

Quik Fund, Inc.

January 2, 2014

1087182

David Reid Macguidwin

Birmingham

MI

Quicken Loans Inc.

January 2, 2014

1087632

Henry Wilcox Payne

Newport

RI

Embrace Home Loans, Inc.

January 2, 2014

175954

Mellissa  Schulman

Commack

NY

New Penn Financial, LLC

January 2, 2014

1097465

Peter Joseph Rendina

Monroe

MI

Quicken Loans Inc.

January 2, 2014

75921

Tammie Lynn Crainich

Derby

CT

William Raveis Mortgage, LLC

January 2, 2014

89062

Ryan Thomas Peterson

Urbandale

IA

Nationwide Advantage Mortgage Company

January 2, 2014

35369

Joseph Michael Wenndt

West Des Moines

IA

Nationwide Advantage Mortgage Company

January 2, 2014

38267

Jason Michael Madden

Ankeny

IA

Nationwide Advantage Mortgage Company

January 2, 2014

1107361

Frederick Peter Bartolomei

Sterling Heights

MI

Quicken Loans Inc.

January 2, 2014

938962

Rafael Lee Valenzuela

Glendale

AZ

Quicken Loans Inc.

January 2, 2014

1067159

Roy  Ben-Zvi

Great Neck

NY

MCS Mortgage Bankers, Inc.

January 2, 2014

928877

Shannon Lee Fisher

Somerdale

NJ

PHH Mortgage Corporation

January 2, 2014

984826

Nickolas John Angiocchi

Parma

OH

Quicken Loans Inc.

January 2, 2014

1037553

Erica Darlene Lorick

Detroit

MI

Quicken Loans Inc.

January 2, 2014

999108

Jay Derrick Moxley

San Diego

CA

American Advisors Group

January 2, 2014

1071737

Stephan Townsend Culhane

Chicago

IL

PHH Mortgage Corporation

January 2, 2014

1003387

Christian D Moore

Delran

NJ

PHH Mortgage Corporation

January 2, 2014

944539

Mary Kate  Hak

Merchantville

NJ

PHH Mortgage Corporation

January 2, 2014

1107764

Scott Joseph Tousignant

Clinton Twp

MI

Quicken Loans Inc.

January 2, 2014

45865

Janice Lynn Hulse

San Diego

CA

American Internet Mortgage, Inc.

January 2, 2014

1043175

Jason Michael Beck

East Northport

NY

US Mortgage Corporation

January 2, 2014

1087123

Taylor Michael Leonard

Detroit

MI

Quicken Loans Inc.

January 2, 2014

179520

Donna Marie Francavilla

Melville

NY

Continental Home Loans Inc.

January 2, 2014

214925

Dennis Dominick Belline

Northport

NY

Continental Home Loans Inc.

January 2, 2014

190982

Mary Ann Laird

Des Moines

IA

Nationwide Advantage Mortgage Company

January 2, 2014

881596

Colton Thomas Corlett

Cleveland

OH

Quicken Loans Inc.

January 2, 2014

221254

Tamir Shalom Mori

Hauppauge

NY

Vanguard Funding LLC

January 2, 2014

950031

Kyle Phillip Erpenbach

Columbia

MD

New Day Financial, LLC

January 2, 2014

646312

Laura Dawn Shackelford

Columbia

MO

Mortgage Research Center, LLC

January 2, 2014

1069403

Alaaeldin Mohamed Saad

Centereach

NY

Continental Mortgage Bankers, Inc

January 2, 2014

1034333

Neraida  Montalvo

Wayne

NJ

Nationwide Equities Corporation

January 2, 2014

1028641

Martin Bernard Andel

Schaumburg

IL

Royal United Mortgage LLC

January 2, 2014

1047245

Stephen Michael Modica

Staten Island

NY

Continental Mortgage Bankers, Inc

January 2, 2014

721753

Bruce S Nohe

New York

NY

Luxury Mortgage Corp.

January 2, 2014

1108081

Patricia Jean Delaney-King

Columbia

MO

Mortgage Research Center, LLC

January 2, 2014

951173

Patrick Stephen Kennedy

Rochester Hills

MI

Quicken Loans Inc.

January 2, 2014

1108324

Bryan Joseph Limoncelli

Garden City

NY

United Northern Mortgage Bankers Limited

January 2, 2014

1107362

Dominic Demetrius Rushing

Detroit

MI

Quicken Loans Inc.

January 2, 2014

1071740

Grant David Hilgert

Evanston

IL

PHH Mortgage Corporation

January 2, 2014

202051

Mark  Freedman

Brooklyn

NY

Guaranteed Rate, Inc.

January 2, 2014

880480

Lee Joseph Kennard

Ann Arbor

MI

Quicken Loans Inc.

January 2, 2014

1087067

Amanda Leah Holloway

Roseville

MI

Quicken Loans Inc.

January 2, 2014

66932

Michelle Linda Longiaru

East Meadow

NY

East Coast Capital Corp

January 2, 2014

906994

Robert Jeffrey Jakubowski

Palatine

IL

Royal United Mortgage LLC

January 2, 2014

1093287

Matthew Robert Price

Plainview

NY

New Penn Financial, LLC

January 2, 2014

1033768

Karo  Makserejian

Santa Ana

CA

Discover Home Loans, Inc.

January 2, 2014

943937

Jon Kason Hunt

The Colony

TX

Nationstar Mortgage LLC

January 2, 2014

1064196

Maureen Ann O'Hare

Roceheport

MO

Mortgage Research Center, LLC

January 2, 2014

976773

Helmut Douglas Benavides

Columbia

MD

New Day Financial, LLC

January 2, 2014

1011427

Katie Lynn Grupe

Phoenix

AZ

Quicken Loans Inc.

January 2, 2014

375199

Maureen  Warner

Raleigh

NC

Genworth Financial Services, Inc.

January 2, 2014

964664

Justin Allen Leffew

Newark

OH

Residential Finance Corporation

January 7, 2014

22494

Gene Brian Russell

Ankeny

IA

Nationwide Advantage Mortgage Company