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New York State Department of Financial Services

Banking Division
Weekly Bulletin

August 15, 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

August 8, 2014 (BK-CRB)
TIOGA STATE BANK
1 Main Street, Spencer, NY 14883

Notice of intention to establish an electronic facility (automated teller machine) at 18 Lake Street, Owego, Tioga County, NY 13827, received.


August 13, 2014 (SB-CRB)
THE ONEIDA SAVINGS BANK
182 Main Street, Oneida, NY 13421

Application dated July 30, 2014, for permission to open and occupy a branch office at VVS High School, 5275 State Route 31, Town of Verona, Oneida County, NY 13478, received.


August 13, 2014 (TR-CRB)
ESL TRUST SERVICES, LLC
225 Chestnut Street, Rochester, NY  14604

Articles of Organization received.

ORGANIZERS:

David L. Fiedler, Rochester, NY
Leucio Iacobelli, Spencerport, NY
Mary Alice Liotta, Hamlin, NY
Faheem A. Masood, Fairport, NY
Arline L. Bayó Santiago, Pittsford, NY

The comment period on this application will expire on September 15, 2014.


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

March 28, 2014

763858

Daniel Joseph Vandenhemel

Troy

MI

April 23, 2014

387540

Daniel Scott Prestriedge

Lincoln

CA

April 23, 2014

980302

Brandon O'Dale Haggard

Orlando

FL

April 30, 2014

1107239

Andrea Robinson Bours

Scottsdale

AZ

April 30, 2014

998805

Alejadro Ignacio Capdevielle Cardozo

Detroit

MI

May 1, 2014

979973

Russell Herbert Sonneborn

Rocklin

CA

May 2, 2014

804132

David Curtis Brown

Newport Coast

CA

May 6, 2014

1123215

Joyce Elaine Mcroberts

El Dorado Hills

CA

June 2, 2014

288241

Landy Antonio Garcia

Flanders

NJ

June 17, 2014

31912

Michael G. Ianno

Falmouth

ME

June 18, 2014

362008

William Bryan Mccoy

Simi Valley

CA

June 24, 2014

259872

Thomas Marvin Peterson

Mission Viejo

CA

July 3, 2014

35350

Jeannie Larae Barnes

Clive

IA

July 9, 2014

1153839

Naphtali  Sadowsky

Brooklyn

NY

July 15, 2014

1133461

Joseph Richard Trotta

Scarsdale

NY

July 16, 2014

1048041

Valerie Suzanne Zuckerberg

Yonkers

NY

July 18, 2014

226436

Donald Walter Joseph Tilly

Laguna Niguel

CA

July 18, 2014

704955

David Ray Oursler

Laguna Niguel

CA

July 18, 2014

297789

Mark Andrew Cherman

Foothill Ranch

CA

July 18, 2014

1113074

Bradley John Kowalik

Shirley

NY

July 21, 2014

1058268

John Mason Kohlbeck

Riverside

CA

July 21, 2014

1195047

Mathew Joseph Melonio

Detroit

MI

July 21, 2014

1031834

Michael Steven Friedman

Orange

CA

July 21, 2014

1105488

Ryan Long Tang

Alhambra

CA

July 21, 2014

65543

Zakir  Hossain

Santa Ana

CA

July 21, 2014

367283

Raymond Joseph Gilbert

Costa Mesa

CA

July 21, 2014

1194972

Brandon Charles Hall

Commerce

MI

July 21, 2014

965421

Aram Robert Giragossian

Huntington Beach

CA

July 21, 2014

825885

Cameron Lee Cunningham

Aliso Viejo

CA

July 21, 2014

862401

Timothy Martin Baulch

Brea

CA

July 21, 2014

876549

Naman Hoang Pham

Huntington Beach

CA

July 21, 2014

360107

Thomas Richard Hill

Laguna Niguel

CA

July 22, 2014

1149164

Jaime Fabian Garza

Detroit

MI

July 22, 2014

951242

Kyle Andrew Mason

Scottsdale

AZ

July 22, 2014

254626

Johnnie Jay Loy

Irvine

CA

July 22, 2014

1007035

Eric Jun Park

Laguna Hills

CA

July 23, 2014

409836

Julie Ann Burning-Lobacz

Springfield

PA

July 23, 2014

983889

Alexander Lee Lavelle

Aliso Viejo

CA

July 23, 2014

307651

Thomas Michael Cush

Ambler

PA

July 23, 2014

1168864

Samuel Isaac Goldstein

Beachwood

OH

July 23, 2014

38062

Daymond Adam Johnson

Rowland Heights

CA

July 23, 2014

1092608

Hadi Amir Salman

Inkster

MI

July 23, 2014

389114

Steven Shinobi Reach

Los Angeles

CA

July 23, 2014

1076575

Brian Charles Fowler

Detroit

MI

July 23, 2014

597638

Michael Robert Esposito

Canton

OH

July 25, 2014

41364

Christos P Athanasiou

Arlington

MA


SECTION II

June 17, 2014 (TM-LFS)
JANATA EXCHANGE CO., INC.
60 East 42nd Street, Suite 1060, New York, NY 10165

Application for a license to engage in business as a transmitter of money was issued.


August 4, 2014 (FB-FWB)
NOVO BANCO, S.A.
Lisbon, Portugal

License issued to maintain a branch, at 320 Park Avenue, Borough of Manhattan, City of New York, pursuant to Section 26 of the Banking Law, effective August 4, 2014.


August 7, 2014 (CC-LFS)
N.Y.C. CHECK EXPRESS, INC.
660 Lexington Avenue, New York, NY 10022

License to engage in business as casher of checks at 404 East 69th Street, New York, N.Y. 10021 was surrendered.


August 11, 2014 (MI-CRB)
PATHFINDER BANCORP, INC.
214 West First Street, Oswego, NY 13126

Applications, pursuant to Section 143-b of the Banking Law, to acquire control of Pathfinder Bank and Pathfinder Commercial Bank, approved.


August 11, 2014 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 220 Park Avenue, Florham Park, Morris County, NJ 07932.


August 12, 2014 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Approval given to change the location of branch office from 576 Ritchie Highway, Severna Park, Anne Arundel County, MD 21146 to 568A Ritchie Highway, Severna Park, Anne Arundel County, MD 21146, on or after August 13, 2014.  (This branch is presently operating at temporary quarters at 574 Ritchie Highway, Severna Park, Anne Arundel County, MD 21146.)


August 12, 2014 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Authorization issued to establish, maintain, and operate a public accommodation office at 568A Ritchie Highway, Severna Park, Anne Arundel County, MD 21146 as an adjunct to branch office to be located at 568A Ritchie Highway, Severna Park, Anne Arundel County, MD 21146, on or after August 13, 2014.


August 13, 2014 (FR-FWB)
THE STANDARD BANK OF SOUTH AFRICA LIMITED
Johannesburg, South Africa

The Department interposes no objection to the notification, pursuant to Section 221-e of the Banking Law, of the change of location of representative office from 320 Park Avenue, Borough of Manhattan, City of New York 10022 to 520 Madison Avenue, Borough of Manhattan, City of New York 10022.


August 13, 2014 (FB-FWB)
ALLLIED IRISH BANKS, P.L.C.
Dublin, Ireland

Approval given to change the location of branch from 1166 Avenue of the Americas, Borough of Manhattan, City of New York 10036 to 1345 Avenue of the Americas, Borough of Manhattan, City of New York 10105, on or after August 14, 2014.


August 13, 2014 (MI-CRB)
SUSSEX BANK
399 Route 23, Franklin, NJ 07416

Authorization granting permission to open and occupy a branch office at 65-67 Main Street, Warwick, Orange County, New York 10990, surrendered for cancellation.

Office discontinued as of December 18, 2013.


August 13, 2014 (SF-LFS)
AMERICREDIT FINANCIAL SERVICES, inc U/A/N GM FINANCIAL U/A/N GMC FINANCIAL U/A/N BUICK FINANCIAL U/A/N BUICK-GMC FINANCIAL U/A/N CADILLAC FINANCIAL U/A/N CHEVROLET FINANCIAL
801 Cherry Street, Suite 3600, Fort Worth, Tarrant County, TX 76102-6855

Licenses issued to engage in business as a sales finance company at the following locations:

  1. 3801  S. Collins Street, Arlington, Tarrant County, TX 76014
  2. 4100  Embarcadero Drive, Arlington, Tarrant County, TX 76014

August 13, 2014 (TM-LFS)
BA EXPRESS USA INC.
168-29 Hillside Avenue, Suite 2B, Jamaica, NY 11432

A money transmitter license was issued to BA Express USA Inc. in connection with its change of headquarters location from 169-26 Hillside Avenue, Jamaica, NY 11432 to 168-29 Hillside Avenue, Suite 2B, Jamaica, NY 11432.

In connection with the above license issuance, the money transmitter license for 169-26 Hillside Avenue, Jamaica, NY 11432 was surrendered.


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

August 07, 2014 (BR-MBD)
CapitalPartners mc Incorporated
59-07 175th Place, PH-1A, Fresh Meadows, NY 11365 1515

August 07, 2014 (BR-MBD)
Braccio Inc. D/B/A The Mortgage Forum
2809 Lindenmere Drive, Merrick, NY 11566

August 07, 2014 (BR-MBD)
George Fuchs DBA Pace Mortgage Capital
303 Fifth Avenue, New York, NY 10016 6601

August 08, 2014 (BR-MBD)
Shalimar Mortgage Corp.
80 Mount Misery Road, Huntington, NY 11743

August 11, 2014 (BR-MBD)
Dalco Financial Services Inc.
120 Stevens Avenue, Mount Vernon, NY 10550 2605

August 13, 2014 (BR-MBD)
Galaxy Mortgage Funding Corp.
160-31 Union Turnpike, Fresh Meadows, NY 11366 1937


Mortgage Broker Certificate Address Changes:

August 12, 2014 (BR-MBD)
AFC Mortgage Group, LLC
From: 4920 Main Street, Suite 307A, Bridgeport, CT 06606
To: 11 Red Barn Road, Trumbull, CT 06611 1060

August 13, 2014 (BR-MBD)
LeadPoint, Inc. D/B/A Secure Rights
From: 11661 San Vicente Boulevard, Suite 600, Los Angeles, CA 90049
To: 2045 South Barrington Avenue, Suite A, Los Angeles, CA 90025 1276

August 13, 2014 (BR-MBD)
BCAMR Apparel Inc. D/B/A S.D. Funding
From: 2294 Nostrand Avenue, Suite 1008, Brooklyn, NY 11210
To: 2917 Avenue K, Suite 105, Brooklyn, NY 11210 4053

August 13, 2014 (BR-MBD)
JD Financial Services, Inc. D/B/A JS Mechanic Services
From: 850 NW Federal Highway, Suite 177, Stuart, FL 34994
To: 850 NW Federal Highway, Suite 214, Stuart, FL 34994 1019

August 13, 2014 (BR-MBD)
Global Home Capital LLC
From: 606 Johnson Avenue, Suite 29, Bohemia, NY 11716
To: 2377 Lee Avenue, Suite 1, Sanford, NC 27332 6095


The following licensed mortgage banker has entered into a Settlement Agreement with the Department on June 30, 2014, in lieu of a hearing for a fine or revocation of its mortgage banker license, to settle the violation of Section 591 and 591(3) of Article 12-D of the New York Banking Law for failing to apply for and receive Department approval prior to opening a business location and operating an unauthorized branch office, respectively.  Furthermore, the Licensee violated Section 593 of the New York Banking Law for conducting business at a location or in a name other than that shown on its license or branch certificate; also Part 420 Section 420.18 of the Superintendent’s Regulations for assigning mortgage loan originators to a location that was not licensed or registered by the Superintendent; and Part 38 Section 38.11 of the General Regulations of the Superintendent for engaging in and offering net branching opportunities  in New York.   The Settlement Agreement terms and conditions include a fine of $20,000 payable in twelve monthly installments.

August 13, 2014 (BK-MBD)
Semper Home Loans, Inc.
225 Dupont Drive, Providence, RI 02907


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 of Application

Date Application Withdrawn

NMLS ID

Name of Applicant

City & State of Residence

January 15, 2014

May 9, 2014

110781

Anna  Bondarenko

Forest Hills

NY


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

July 31, 2014

191454

John B Third

Kill Devil Hills

NC

Movement Mortgage, LLC

August 4, 2014

38052

Adam Jay Johnson

San Clemente

CA

Nationstar Mortgage LLC

August 4, 2014

1039303

Michael Alexander Terlalis

Mansfield

CT

1st Alliance Lending, LLC

August 4, 2014

1128101

G. William Fleming

Merrick

NY

Bridge Capital Enterprises, Ltd

August 4, 2014

1159983

Nicholas Riley Pyykkonen

Royal Oak

MI

Quicken Loans Inc.

August 4, 2014

21172

Kenneth Anthony Farrell

Brooklyn

NY

Powerhouse Solutions, Inc.

August 4, 2014

180451

Chad Leonard Law

Corona

CA

Carrington Mortgage Services, LLC

August 4, 2014

1140196

Michael Joel Krist

Ferndale

MI

Quicken Loans Inc.

August 4, 2014

373595

Andre  Pacheco

Brea

CA

Nationstar Mortgage LLC

August 4, 2014

921771

Sandra  Hildebrandt

Floral Park

NY

Mortgage Master, Inc.

August 4, 2014

1127269

Daniel Vernon Featherstone

Chandler

AZ

Quicken Loans Inc.

August 4, 2014

1117240

Allyson Kaye Dipofi

Painesville

OH

Quicken Loans Inc.

August 4, 2014

349438

Mildred  Luna-Carrucini

Bronx

NY

Mid-Island Mortgage Corp.

August 4, 2014

930222

William R. Barone III

N Bellmore

NY

Prospect Mortgage, LLC

August 4, 2014

1019454

Brandon Robert Clute

Baltimore

MD

New Day Financial, LLC

August 4, 2014

926520

Mark Augustine Rudy

Matthews

NC

Cardinal Financial Company, Limited Partnership

August 4, 2014

433657

Marie  Herrero

White Plains

NY

Mortgage Master, Inc.

August 4, 2014

72765

Michael Scott Bauer

Long Beach

NY

Envoy Mortgage Ltd

August 4, 2014

1178069

E-Miller Joseph Dugalech

Detroit

MI

Quicken Loans Inc.

August 4, 2014

268906

Anthony  Ippolito

Hartsdale

NY

Hudson United Mortgage LLC

August 4, 2014

1086895

Kevin John Buxton

Cleveland

OH

Quicken Loans Inc.

August 4, 2014

32935

Stephen Francis Moorhouse

Randolph

NJ

Urban Financial of America, LLC

August 4, 2014

1117185

Logan Daniel Churovia

Cleveland

OH

Quicken Loans Inc.

August 4, 2014

110781

Anna  Bondarenko

Forest Hills

NY

Great Northern Mortgage Corp.

August 4, 2014

263824

Ivan B Seenarine

West Haven

CT

MGN Funding Corp

August 4, 2014

397835

Lonnie Michael Pearlman

Laguna Niguel

CA

Carrington Mortgage Services, LLC

August 4, 2014

1023946

Michael Anthony Tomaro

Northfield

OH

Quicken Loans Inc.

August 4, 2014

94995

Jin Tae Yoo

Highlands Ranch

CO

American Financing Corporation

August 4, 2014

1076469

Jenny Ann Farida

West Bloomfield

MI

Quicken Loans Inc.

August 4, 2014

270615

Eugene Paul Weisbrod

River Vale

NJ

TFS Mortgage Corporation, Inc.

August 4, 2014

872185

Mary Margaret Gallagher

Lakewood

OH

Quicken Loans Inc.

August 4, 2014

726210

Susan Elaine Kirkland

Costa Mesa

CA

Carrington Mortgage Services, LLC

August 4, 2014

1054618

William Russell Rogan III

Detroit

MI

Quicken Loans Inc.

August 4, 2014

87993

Enrico  Vano

Macomb

MI

Quicken Loans Inc.

August 4, 2014

125712

Susannah  Garza

Fort Worth

TX

PrimeLending, A PlainsCapital Company

August 4, 2014

49626

Toi Chason Meade

Charlotte

NC

Reliance First Capital, LLC

August 4, 2014

86666

Jonathan Albert Hoch

Lake Forest

CA

Nationstar Mortgage LLC

August 4, 2014

360468

Vladimir Schlobohm Osteria

Westminster

CA

Carrington Mortgage Services, LLC

August 5, 2014

1122876

Salvatore J Criscuolo Jr.

Staten Island

NY

Continental Mortgage Bankers, Inc

August 5, 2014

1086727

Eric Gregory Hoppenstand

Phoenix

AZ

Quicken Loans Inc.

August 5, 2014

1140231

Robert Raymond Labute II

Ferndale

MI

Quicken Loans Inc.

August 5, 2014

1054084

Matthew Alan Latorre

Columbia

MO

Mortgage Research Center, LLC

August 5, 2014

598033

John James Kalata

Patchogue

NY

MCS Mortgage Bankers, Inc.

August 5, 2014

196636

Sean Patrick Mcdowell

Irvine

CA

Impac Mortgage Corp.

August 5, 2014

138410

Robert  Marnell

Flemington

NJ

Cenmark Mortgage Company

August 5, 2014

48971

Ann Marie Lewis Ms.

Ballston Spa

NY

Homestead Funding Corp.

August 5, 2014

1025136

Devin Cheff Mccarty

Ferndale

MI

Quicken Loans Inc.

August 5, 2014

1128634

Derek Reid Hannawald

Dallas

TX

Nationstar Mortgage LLC

August 5, 2014

545181

Florence Nancy Dennis

Aurora

CO

American Financing Corporation

August 5, 2014

1117698

Jonathan Scott Ware

Redford

MI

One Reverse Mortgage, LLC

August 5, 2014

1097710

Amanda Lynette Bustamante

Chandler

AZ

Quicken Loans Inc.

August 5, 2014

22170

Dean Thomas Fiore

Concord

NC

Cardinal Financial Company, Limited Partnership

August 5, 2014

177190

Anthony Roland Franzese

Huntington

NY

United Mortgage Corp.

August 5, 2014

1097351

Shazain  Pervez

Ypsilanti

MI

Quicken Loans Inc.

August 5, 2014

31278

Robert Harry Nelson

Wyandotte

MI

One Reverse Mortgage, LLC

August 5, 2014

1030211

Jocelyn Burkhart Diehl

Kansas City

MO

Mortgage Research Center, LLC

August 5, 2014

1107446

Robert W Wells

Ellenville

NY

State Farm Bank, F.S.B.

August 5, 2014

129603

Ronald Michael Trejo

Corona

CA

Nationstar Mortgage LLC

August 5, 2014

103114

Heather C Close

Slingerland

NY

Homestead Funding Corp.

August 5, 2014

1087773

Mary Elizabeth Vellmure

Taylor

MI

One Reverse Mortgage, LLC

August 5, 2014

1150811

Peter Joseph Kennedy

West Islip

NY

Continental Mortgage Bankers, Inc

August 5, 2014

13127

Daniel Matthew Moore

Fairfield

CT

Total Mortgage Services, LLC

August 5, 2014

1159860

Patrick Douglas Gill

Royal Oak

MI

Quicken Loans Inc.

August 5, 2014

17215

Richard A Bisca

Smithtown

NY

Mid-Island Mortgage Corp.

August 5, 2014

984367

Daniel Paul Barber

Milford

MI

Quicken Loans Inc.

August 5, 2014

1116672

Matthew Oliver Van Ronzelen

Columbia

MO

Mortgage Research Center, LLC

August 5, 2014

1097478

Lawrence Jacob Sargent

Detroit

MI

Quicken Loans Inc.

August 5, 2014

204817

Kevin  Lacatena

Sparta

NJ

Sun West Mortgage Company, Inc.

August 5, 2014

1161640

Devin Kyle Mccall

Columbia

MO

Mortgage Research Center, LLC

August 5, 2014

892248

Valerie L Parillo

Elma

NY

State Farm Bank, F.S.B.

August 5, 2014

35776

Andrew D. Taub

New York

NY

Mortgage Direct Inc

August 5, 2014

1199493

Molly Lynn Sanders

Byron

NY

Premium Mortgage Corp.

August 5, 2014

1160486

Jennifer Elizabeth Smith

Royal Oak

MI

Quicken Loans Inc.

August 5, 2014

27486

Larry  Sellers

Farmington Hills

MI

Quicken Loans Inc.

August 5, 2014

411216

Harold Joseph Graber

Niskayuna

NY

Bass Funding,LLC

August 5, 2014

1181604

Shannon  Clute

Gansevoort

NY

Homestead Funding Corp.

August 5, 2014

19473

Donald  Ciullo

Oceanside

NY

Luxury Mortgage Corp.

August 5, 2014

215354

Jeffrey Scott Singleton

Costa Mesa

CA

Nationstar Mortgage LLC

 

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