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Banking Division
Weekly Bulletin

February 7, 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


SECTION I

January 23, 2014 (TM-LFS)
BORIS VETSCH
Route d'Arnex 3A, Borex, Switzerland 1277

Application to acquire 100% of Envio Internacional, Inc., U/A/N Amigo Envio, a licensed money transmitter, received.

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.


January 27, 2014 (TM-LFS)
NATIONWIDE BIWEEKLY ADMINISTRATION, INC.
855 Lower Bellbrook Road, Xenia, Ohio 45385

Application for a license to engage in business as a money transmitter received.

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.


February 3, 2014  (BK-FWB)
SHINHAN BANK AMERICA
330 Fifth Avenue, New York, NY 10001

Application dated January 31, 2014, for permission to change the location of branch office from 6771 Beach Boulevard, Buena Park, Orange County, CA 90621 to 5450 Beach Boulevard (Units 101 and 103), Buena Park, Orange County, CA 90621, received.


February 4, 2014 (TM-LFS)
MONEYDART GLOBAL SERVICES, INC. 
1407 Oak Tree Road, Iselin, NJ 08830

Application for a license to engage in business as a transmitter of money, received.

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.


February 4, 2014 (CU-CRB)
CFCU COMMUNITY CREDIT UNION
1030 Craft Road
Ithaca, New York 14850
Application dated January 29, 2014 for permission to open and maintain a station at 140 Seneca Way, Ithaca, County of Tompkins, New York 14850, received.


February 5, 2014  (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue, New York, NY 10001

Notice of intention to establish an electronic facility (automated teller machine) at Democratic Properties Corporation, 430 South Capitol Street SE, Washington, DC 20003, received.


February 5, 2014  (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. Shoppers Food & Pharmacy, 8048 Ritchie Highway, Pasadena, Anne Arundel County, MD 21122;
  2. Shoppers Food & Pharmacy, 7858 Quarterfield Road, Severn, Anne Arundel County, MD 21144;
  3. Shoppers Food & Pharmacy, 8212 Liberty Road, Baltimore, Baltimore County, MD 21244; and
  4. 4552 Edmondson Avenue, Baltimore, MD 21229.

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

February 03, 2014 (BR-MBD)
Applicant(s)
Jeremy J. Compise
As: Pro Lending Source LLC D/B/A
The Mortgage House
300 International Drive, Suite 100, Williamsville, NY 14221 5783


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

February 05, 2014 (BR-MBD)
Full Service Branch
The Funding Store LLC
48 Wall Street, Suite 1100, Office 55, New York, NY 10005


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

February 05, 2014 (MB-MBD)
Full Service Branch
Cliffco, Inc. DBA Cliffco Mortgage Bankers
Additional DBA(S): Forward/Reverse Funding
106-06 Jamaica Avenue, 1st Floor, Richmond Hill, NY 11418

February 05, 2014 (MB-MBD)
Full Service Branch
NJ Lenders Corp. d/b/a Home Owners Mortgage Express
Additional DBA(S): Coastal Lenders
Silver Bay Lending
21 Franklin Turnpike, Suite 2117(C5), Mahwah, NJ 07430

February 05, 2014 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
5465 Legacy Drive, Suite 400, Plano, TX 75024

February 05, 2014 (MB-MBD)
Full Service Branch
Vanguard Funding LLC
2795 Richmond Avenue, Suite 200, Staten Island, NY 10303

February 05, 2014 (MB-MBD)
Full Service Branch
NJ Lenders Corp. d/b/a
Home Owners Mortgage Express
Additional DBA(S): Coastal Lenders
Silver Bay Lending
39 Avenue at the Commons, Suite 101, Shrewsbury, NJ 07702

February 05, 2014 (MB-MBD)
Full Service Branch
Mortgage Enterprise, Ltd.
39 Old Country Road, Suite 200-201, Carle Place, NY 11514

February 05, 2014 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
5250 Virginia Way, Suite 110, Brentwood, TN 37027


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

November 1, 2013

233990

William Hamilton Kumpf

Summit

NJ

November 5, 2013

1099015

Lawrence Todd Ellison

New York

NY

November 18, 2013

350525

Malissa Ann Stern

Southlake

TX

November 22, 2013

404663

Nicole Anne Arlotta

Hartsdale

NY

December 6, 2013

222091

Lawrence J Donnelly

Floral Park

NY

December 30, 2013

21463

Everett  Perry

Hollis

NY

January 13, 2014

1067438

Jonathan Alan Smith

Royal Oak

MI


SECTION II

December 27, 2013 (FR-FWB)
RBC INVESTOR SERVICES BANK S.A.
14,  Porte de France, L-4360 Esch-sur-Alzette,  Grand Duchy of Luxembourg

License issued to establish and maintain a representative office at 3 World Financial Center, 200 Vesey Street, New York, New York 10281, effective December 27, 2013.


January 21, 2014 (TM-LFS)
BB MONEY TRANSFERS Inc.
709 Westchester Avenue, 1st Floor
White Plains, NY 10604

License to engage in business as a licensed transmitter of money was surrendered.


January 23, 2014(sF-LFS)
EXETER FINANCE CORP.
222 W. Las Colinas Blvd., Ste 1800, Irving, Dallas County, TX 75039

Branch licenses issued to engage in business as a sales finance company at the following branch locations:

  • 2250 W. John Carpenter Freeway, Suite 100, Irving, Dallas County, TX 75063
  • 300 Airborne Parkway, Suite 214, Cheektowaga, Erie County, NY 14225
  • 326 RXR Plaza, Suite 1240, Uniondale, Nassau County, NY  11556
  • 18 Division Street, Suite 307, Saratoga Springs, Saratoga County, NY  12866

January 27, 2014 (CC-LFS)
OAK STREET CHECK CASHING INC.
315 Oak Street, Uniondale, New York 11553

License to engage in business as casher of checks at 315 Oak Street, Uniondale, New York 11553 was surrendered.


January 31, 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 conversion of Landon Hilliard and Jeffrey R. Holland from General Partners/Class 1 Limited Partners to Class 2 Limited Partners.)


January 31, 2014 (SF-LFS)
FUNDATION, INC.
443 Park Avenue South, Suite 1008, New York, New York County, NY 10016

License to engage in business as a licensed lender at 443 Park Avenue South, Suite 1008, New York, New York County, NY 10016 was surrendered.


February 3, 2014 (SF-LFS)
LAKEWOOD ACCEPTANCE CORP. D/B/A CARNOW ACCEPTANCE CORP., D/B/A CNAC
15200 Lorain Ave, Cleveland, Cuyahoga County, OH 44111

A license was issued to engage in business as a sales finance company.


February 3, 2014 (FR-FWB)
THE ROYAL BANK of SCOTLAND PLC
RBS Gogarburn, Edinburgh, Scotland EH12 1HQ, United Kingdom

License issued to establish and maintain a representative office at 340 Madison Avenue, Borough of Manhattan, City of New York 10173, effective February 3, 2014.


February 3, 2014 (TM-LFS)
MERACORD LLC  U/A/N  MERACORD
1001 Pacific Avenue, Suite 200, Tacoma WA 98402

License to engage in business as a licensed transmitter of money was surrendered effective December 23, 2013.


February 4, 2014  (MI-CRB)
1ST FINANCIAL BANK USA
331 Dakota Dunes Boulevard, Dakota Dunes, SD 57049

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 55 East 59th Street (6th Floor), Borough of Manhattan, City of New York 10022.


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

February 05, 2014 (MB-MBD)
Maryland First Home Mortgage Company
In Lieu of True Name
First Home Mortgage Corporation
5355 Nottingham Drive, Suite 130, Baltimore, MD 21236


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

January 30, 2014 (BR-MBD)
TNI Finances, Inc.
626 Rexcorp Plaza, Suite 675, Uniondale, NY 11556 0626

January 31, 2014 (BR-MBD)
Vantage Mortgage LLC
769 57th Street, 2nd Floor, Brooklyn, NY 11220 3691

February 05, 2014 (BR-MBD)
Galaxy Mortgage Funding Corp.
160-31 Union Turnpike, Fresh Meadows, NY 11366 1937


Mortgage Broker Certificate Address Changes:

January 31, 2014 (BR-MBD)
Evolution Mortgage Inc.
From: 140 Adams Avenue, Suite B12, Hauppauge, NY 11788
To: 140 Adams Avenue, Suite A5, Hauppauge, NY 11788 3618


Mortgage Banker Branch License Address Changes:

January 30, 2014 (MB-MBD)
FFC Mortgage Corp.
From: 376 Mark Tree Road, Suite 1, Setauket, NY 11733
To: 100-02 101st Avenue, Suite LL-5, Ozone Park, NY 11416

January 30, 2014 (MB-MBD)
FFC Mortgage Corp.
From: 109 Fourth Street, Watkins Glen, NY 14891
To: 4030 235th Street, Suite B, Little Neck, NY 11363

February 05, 2014 (MB-MBD)
Syracuse Securities, Inc.
From: 8600 Main Street, Suite 4, Williamsville, NY 14221
To: 121 Hamburg Street, East Aurora, NY 14052

February 05, 2014 (MB-MBD)
Syracuse Securities, Inc.
From: 7 William Street, Suite 1, Auburn, NY 13021
To: 188 Genesee Street, Suite 101, Carr Building, Auburn, NY 13021


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 30, 2014

485949

William E Smith

Yonkers

NY

Associated Mortgage Bankers, Inc.

January 31, 2014

341225

Sewkumarie  Singh

Freeport

NY

New Apple Funding Corp.

February 3, 2014

1060327

Wayne Morris Frick Jr.

Cicero

NY

UPSTATE PREMIER MORTGAGE INC

February 3, 2014

863095

Douglas Finley Brady

Columbia

MO

Mortgage Research Center, LLC

February 3, 2014

1111825

Antonio Martins Lopes

Pawtucket

RI

Embrace Home Loans, Inc.

February 3, 2014

814647

Jon Matthew Zender

Rancho Santa Margarita

CA

loanDepot.com, LLC

February 3, 2014

944537

Jaclyn Denise Gaspari

Philadelphia

PA

PHH Mortgage Corporation

February 3, 2014

861176

Richard Edward Widmer

Staten Island

NY

TFS Mortgage Corporation, Inc.

February 3, 2014

469671

Denis Marinko Ciklic

Morristown

NJ

Nationwide Equities Corporation

February 3, 2014

1023626

Dennis Anthony Kiourkas

Peoria

AZ

Quicken Loans Inc.

February 3, 2014

1107723

Ronald Ray Hobbs Jr.

Southfield

MI

Quicken Loans Inc.

February 3, 2014

889658

Richard Kent Brown Jr.

Santa Ana

CA

American Advisors Group

February 3, 2014

1065636

Jose Antonio Flores

Southgate

MI

Quicken Loans Inc.

February 3, 2014

1077102

Daniel Elias Boxman

Freehold

NJ

United Northern Mortgage Bankers Limited

February 3, 2014

1107525

Michael Edward Dolikian

Troy

MI

Quicken Loans Inc.

February 3, 2014

876224

Jessica Lee Nelson

Columbia

MO

Mortgage Research Center, LLC

February 3, 2014

1107169

Michael John Pakenham

North Canton

OH

Quicken Loans Inc.

February 3, 2014

1107363

Travis James Beck

Livonia

MI

Quicken Loans Inc.

February 3, 2014

27590

Marlon Kendall May

Pontiac

MI

Quicken Loans Inc.

February 3, 2014

339734

Nicholas Orlando Schepis

Parma Heights

OH

Quicken Loans Inc.

February 3, 2014

1085174

Stephen Gerard Curran

Smithtown

NY

Intercontinental Capital Group, Inc.

February 3, 2014

17508

Trevor William Durham

Louisville

KY

Discover Home Loans, Inc.

February 3, 2014

888619

Benjamin Ray Davis

Jacksonville

FL

PHH Mortgage Corporation

February 3, 2014

1097152

Zachariah Renee Huff

Royal Oak

MI

Quicken Loans Inc.

February 3, 2014

1054787

Kemuel Antonio Veloz

Lincoln Park

MI

Quicken Loans Inc.

February 3, 2014

802229

Amber Leigh Arwine

Chicago

IL

Guaranteed Rate, Inc.

February 3, 2014

1038485

Hadas  Ohayon

Long Island

NY

Vanguard Funding LLC

February 3, 2014

46013

Linda Mae Jensen

El Cajon

CA

American Internet Mortgage, Inc.

February 3, 2014

893959

Ryan Douglas Campbell

San Clemente

CA

Discover Home Loans, Inc.

February 3, 2014

1093230

Susan Angela Ilardi

Newport

RI

Embrace Home Loans, Inc.

February 3, 2014

883067

Richard Shannon Esajian

Garden Grove

CA

Discover Home Loans, Inc.

February 3, 2014

449799

Lucas Damien Shafer

Fayette

MO

Mortgage Research Center, LLC

February 3, 2014

1087544

Jacob Andrew Walson

Taylor

MI

Quicken Loans Inc.

February 3, 2014

172758

Thuy Thi Truong

Garden Grove

CA

Discover Home Loans, Inc.

February 3, 2014

939048

Sean David Abney

Noblesville

IN

Freedom Mortgage Corporation

February 3, 2014

1079868

Giovanni Scott Acosta

Brooklyn

NY

Equity Now Inc.

February 3, 2014

794182

Lisa Michelle Bennett

Sacramento

CA

Liberty Home Equity Solutions, Inc.

February 3, 2014

722936

Carl A Fraiser

New Rochelle

NY

GFI Mortgage Bankers, Inc.

February 3, 2014

60824

Douglas  Tredinnick

Vernon

NJ

Greenway Mortgage Funding Corp.

February 3, 2014

1011296

Frederick Scott Wright Beal

Detroit

MI

Quicken Loans Inc.

February 3, 2014

1117171

Taylor Alexandra-Lundell Brown

North Royalton

OH

Quicken Loans Inc.

February 3, 2014

4235

Marissa  Landrau-Pirazzi

Jamaica Plain

MA

Neighborhood Assistance Corporation of America

February 3, 2014

1077516

Timothy James Fisher

Clinton Township

MI

One Reverse Mortgage, LLC

February 3, 2014

984904

David Luke Mendenhall

Phoenix

AZ

Quicken Loans Inc.

February 3, 2014

1037318

Adam Victor Bringardner

Farmington Hills

MI

Quicken Loans Inc.

February 3, 2014

184540

Briana Key Miller

Scottsdale

AZ

Quicken Loans Inc.

February 3, 2014

934335

Robert A Klein

White Plains

NY

Meridian Residential Capital, LLC

February 3, 2014

1123066

James Daniel Vollenhals

Laguna Niguel

CA

loanDepot.com, LLC

February 3, 2014

722936

Carl A Fraiser

New Rochelle

NY

GFI Mortgage Bankers, Inc.

February 3, 2014

1047720

Kris T Yelverton

Endicott

NY

State Farm Bank, F.S.B.

February 3, 2014

1098640

Lisa  Santasiero

Lancaster

NY

PHH Mortgage Corporation

February 3, 2014

1107184

Jeffrey Louis Locricchio

Rochester Hills

MI

Quicken Loans Inc.

February 3, 2014

1071405

Scott David Mantel

Brooklyn

NY

Nationwide Equities Corporation

February 3, 2014

1121109

Ryan Thomas Virtue

Louisville

KY

Discover Home Loans, Inc.

February 3, 2014

976450

Daniel Colin Kelley

Columbia

MO

Mortgage Research Center, LLC

February 3, 2014

1049845

Tyler Jordan Marsh

Scottsdale

AZ

Quicken Loans Inc.

February 3, 2014

1067212

Crystal Marie Criticos

Rochester

NY

Nothnagle Home Securities Corp.

February 3, 2014

1107350

Justin Matthew Bailey

Lincoln Park

MI

Quicken Loans Inc.

February 3, 2014

1039954

Jacob Shlomo Lakritz

Detroit

MI

Quicken Loans Inc.

February 3, 2014

394036

Ryan Thomas Keating

Olathe

KS

Mortgage Research Center, LLC

February 3, 2014

370891

Lance Ryan Stemler

Sellersburg

IN

Discover Home Loans, Inc.

February 3, 2014

881604

Adam Michael Morgan

Fairview Park

OH

Quicken Loans Inc.

February 3, 2014

1076134

Chadwick Damian Bourque

Braintree

MA

Embrace Home Loans, Inc.

February 3, 2014

1121110

Nathaniel Lyn Peters

Prospect

KY

Discover Home Loans, Inc.

February 3, 2014

71389

Thomas William Cole

Pendleton

IN

Freedom Mortgage Corporation

February 3, 2014

1112496

Wendy Jean Flihan

Utica

NY

UPSTATE PREMIER MORTGAGE INC

February 3, 2014

187898

Ginny Riena Young

Overland Park

KS

Mortgage Research Center, LLC

February 3, 2014

1079865

Nicholas  Libretto

Westbury

NY

Equity Now Inc.

February 3, 2014

1097008

Daniel Richard El-Haddad

Livonia

MI

Quicken Loans Inc.

February 3, 2014

951471

Rachel Marie Bruce

Columbia

MO

Mortgage Research Center, LLC

February 3, 2014

984588

Robert Matthew Gramer

Detroit

MI

Quicken Loans Inc.

February 3, 2014

843034

Glenda Renee White

Mansfield

TX

Nationstar Mortgage LLC

February 3, 2014

904126

Jason  Wang

La Palma

CA

Discover Home Loans, Inc.

February 3, 2014

1003385

Zachary R Tannoia

Sicklerville

NJ

PHH Mortgage Corporation

February 3, 2014

1013588

Ryan E. Kinsey

Plano

TX

Nationstar Mortgage LLC

February 3, 2014

20199

Hugh B Goldson Mr

North Merrick

NY

Continental Home Loans Inc.

February 3, 2014

282769

David A Caputo

East Hanover

NJ

Mortgage Access Corp.

February 3, 2014

872191

Samuel Joseph Selker

South Euclid

OH

Quicken Loans Inc.