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New York State Department of Financial Services

Weekly Banking Bulletin

August 7, 2015

SECTION I

This section records the receipt of banking-related applications and notices to 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 ISSUED BY THE DEPARTMENT.

SECTION II

This section records actions taken by the Superintendent of Financial Services, and other information concerning banking-related activities 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 below 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

BKBankMBMortgage Banker
BPBudget PlannerBRMortgage Broker
CCCheck CasherMLSMortgage Servicer
CUCredit UnionPFPremium Finance Agency
FAForeign AgencyPBPrivate Banker
FBForeign BranchSDSafe Deposit Company
FRForeign Representative OfficeSFSales Finance Agency
HCHolding CompanySLSavings and Loan Association
ICInvestment CompanySBSavings Bank
LLLicensed LenderTMTransmitter of Money
MKMerchant BankTRTrust Company
MIMiscellaneous

Regulatory Unit Codes

CRBCommunity and Regional Banks
CSDConsumer Services
FWBForeign and Wholesale Banks
LFSLicensed Financial Services
MBDMortgage Banking


SECTION I

August 4, 2015 (FR-FWB)
BANCO ESPIRITO SANTO DE INVESTIMENTO, S.A.
Edificio Quartzo, Rua Alexandre Herculano, 38, 1269-161, Lisbon, Portugal

Application, pursuant to Section 221-c of the Banking Law, to establish and maintain a representative office at 340 Madison Avenue, Borough of Manhattan, City of New York 10173, received.


August 4, 2015 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

Application dated August 3, 2015, for permission to open and occupy a branch office at 1940 Monroe Avenue, (Unincorporated Area) Town of Brighton, Monroe County, New York 14618, received.


August 5, 2015 (FA-FWB)
BANCO INDUSTRIAL DE VENEZUELA, C.A.
Avenida Universidad, Caracas, Venezuela

Application dated July 31, 2015, for permission to change the location of agency from 900 Third Avenue, Borough of Manhattan, City of New York 10022 to 1350 Avenue of the Americas, Borough of Manhattan, City of New York 10019, received.


August 6, 2015 (MI-CRB)
INVESTORS BANK
101 JFK Parkway, Short Hills, NJ 07078

Application dated July 13, 2015, for permission to open and occupy a branch office at 314 Seventh Avenue, Park Slope, Borough of Brooklyn, City of New York 11215, received.


August 6, 2015 (BK-FWB)
SHINHAN BANK AMERICA
330 Fifth Avenue, 4th Floor, New York, NY 10001

Application dated July 30, 2015, for permission to open and occupy a branch office at 3904 Convoy Street, Suites 123 and 124, San Diego, County of San Diego, California 92111, received.


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

August 04, 2015 (BR-MBD)
Applicant(s)
Melissa Casa
Justin J. DeJoseph
As: Garden State Mortgage Services
In Lieu of True Name Garden State Home Loans Incorporated
2091 Springdale Road, Suite 16, Cherry Hill, NJ 08003 4005


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 18, 2014

1200137

John William Georges

Westwood, NJ

November 26, 2014

739838

Lisa Jeannette Simon

Ypsilanti, MI

December 10, 2014

876464

Jason Neil Scherbarth

Brighton, MI

May 4, 2015

1047989

Joshua David Barlow

Glen Arm, MD

May 4, 2015

525755

Hugh M. Wimberly

Herndon, VA

May 5, 2015

142198

Jason Lee Weaver

Saratoga Springs, NY

May 7, 2015

129431

Donovan James Howard

Guilderland, NY

May 13, 2015

274656

Tyrone Marlon Carrington

Bridgeport, CT

May 19, 2015

1336122

Frances C Melder

Warwick, NY

June 5, 2015

554030

Patricia April Mastrodonato

Pittsford, NY

June 8, 2015

227027

Yaron Ronnie Solomon

woodmere, NY

June 9, 2015

207171

Daniel Charles Greco III

Ridgefield Park, NJ

June 11, 2015

5178

Michael John Richards

Woburn, MA

June 18, 2015

213485

Christopher Lawrence Harrell

Bethesda, MD

June 18, 2015

1079123

Matthew Melvin Nieves

Middle Island, NY

June 18, 2015

117546

Shawn Michael Cohen

Furlong, PA

June 19, 2015

1271267

Willis H Lee

Saratoga Springs, NY

June 23, 2015

1321009

Faustino Rivera

Lake Ariel, PA

June 25, 2015

1187838

Andy Benjamin Ayala

Long Beach, NY

June 30, 2015

158508

Melissa Johanna Farrell

Baltimore, MD

July 9, 2015

1359522

Krystal Basile

Colts Neck, NY

July 14, 2015

1087794

Eldrick Voneric Spivey

Lewisville, TX

July 16, 2015

887802

Robert Ryan Bean

Santa Rosa, CA

July 17, 2015

1311162

Giovanni Cayo

Bayshore, NY

July 21, 2015

1379917

Joshua Jess Curtiss

Fountain Valley, CA

July 21, 2015

187617

Domingo Fernando Rios

Guttenberg, NJ

July 21, 2015

344609

Michelle Corbani

Las Vegas, NV

July 21, 2015

1333997

William Anthony Spadola

Albany, NY

July 24, 2015

1013650

Michael Edward Lassiter

Corinth, TX


SECTION II

July 24, 2015 (CC-LFS)
NORTH ISLAND CHECK CASHING CORP. 
953 New York Avenue, Huntington Station, NY 11746

Effective July 24, 2015, license to engage in business as casher of checks for the location at 953 New York Avenue, Huntington Station, NY 11746 was surrendered.


July 31, 2015 (TR-CRB)
FIDUCIARY TRUST COMPANY INTERNATIONAL
600 Fifth Avenue, New York, NY 10020

Application for exemption from the deposit insurance requirements of Section 32 of the Banking Law, approved, to be effective on or after September 30, 2015.


August 3, 2015 (SB-CRB)
THE NORTH COUNTRY SAVINGS BANK
127 Main Street, Canton, NY 13617

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Clarkson University Cheel Campus Center, 8 Clarkson Avenue, Village of Potsdam, County of St. Lawrence, New York 13676.


August 3, 2015 (SB-CRB)
PATHFINDER BANK
214 West First Street, Oswego, NY 13126

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at the following two locations: (1) 3739 State Route 13, Village of Pulaski, Town of Richland, County of Oswego, New York 13142; (2) 5829 Route 20, Town of Lafayette, County of Onondaga, New York 13084.


August 4, 2015 (TR-CRB)
ORANGE COUNTY TRUST COMPANY
212 Dolson Avenue, Middletown, NY 10940

Authorization issued to open and occupy a branch office at 42 Waller Avenue, White Plains, Westchester County, NY 10601, on or after August 5, 2015.


August 5, 2015 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machines) at 5724 Wabash Avenue, Baltimore (independent city), Maryland  21215.


August 6, 2015 (sb-CRB)
NEW YORK COMMUNITY BANK
615 Merrick Avenue, Westbury, NY 11590

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch at 179 Main Street, Borough of Staten Island, City of New York 10307, will not result in a significant reduction of banking services in the community to be affected.


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

August 04, 2015 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
2043 Richmond Avenue, Lower Level, Staten Island, NY 10314

August 04, 2015 (MB-MBD)
Full Service Branch
PrimeLending, A PlainsCapital Company
900 E. Hamilton Avenue, Suite #120, Campbell, CA 95008

August 04, 2015 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
21240 Ridgetop Circle, Suite #115,Sterling, VA 20166

August 04, 2015 (MB-MBD)
Full Service Branch
Mortgage Research Center, LLC D/B/A VAMortgageCenter
Additional DBA(S): Veterans United Home Loans
Veteran Loan Center
1400 Forum Boulevard, Suite #19A, Columbia, MO 65203

August 04, 2015 (MB-MBD)
Full Service Branch
American Advisors Group, Inc.
2150 Highway 35, Suite #250, Office #20, Sea Girt, NJ 08750


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

August 05, 2015 (BR-MBD)
Mortgages In-Deed Northeast, Inc.
82 Wheatley Road, Old Westbury, NY 11568 1212
Effective Date: July 17, 2015

August 05, 2015 (BR-MBD)
Feeney Funding, Inc.
880 West Beach Street, Long Beach, NY 11561 1543
Effective Date: July 28, 2015


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

August 03, 2015 (MB-MBD)
Full Service Branch
FFC Mortgage Corp.
5512 Merrick Road, Suite 1, Massapequa, NY 11758
Effective Date: July 24, 2015

August 03, 2015 (MB-MBD)
Full Service Branch
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(S): Presidents First Mortgage Bankers
Senior Funding Group
8911 Glenwood Road, First Floor, Brooklyn, NY 11236
Effective Date: July 24, 2015

August 05, 2015 (MB-MBD)
Full Service Branch
Hartford Funding, LTD
333 Hempstead Turnpike, West Hempstead, NY 11552
Effective Date: July 29, 2015


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

July 30, 2015 (BR-MBD)
Embassy Funding LLC
145 Main Street, 2nd Floor, Nyack, NY 10960 3013

July 31, 2015 (BR-MBD)
Silver Lining Funding Inc.
154-2 Remington Boulevard, Suite 4, Ronkonkoma, NY 11779

July 31, 2015 (BR-MBD)
Zenta Mortgage Services, LLC
8336 Forest Point Boulevard, Charlotte, NC 28273 5601
Branch Offices:
2221 Savannah River Street, Henderson, NV 89044

August 03, 2015 (BR-MBD)
Thaniel J. Beinert
155 Bay Ridge Avenue, Brooklyn, NY 11220

August 03, 2015 (BR-MBD)
TNI Finances, Inc.
626 Rexcorp Plaza, Suite 675, Uniondale, NY 11556 0626

August 03, 2015 (BR-MBD)
Central Lending Services Inc. D/B/A Credit Central
668 Woodbourne Road, Suite 104, Langhorne, PA 19047 1820

August 03, 2015 (BR-MBD)
New Apple Funding Corp.
97-49 102nd Street, 1st Floor, Ozone Park, NY 11416 2619

August 04, 2015 (BR-MBD)
Ryming Funding Corporation
3602 East Tremont Avenue, Bronx, NY 10465

August 04, 2015 (BR-MBD)
American Capital Mortgage, Inc
439 Main Street, Suite 102
Orange, NJ 07050 1523


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

August 03, 2015 (BR-MBD)
Accurate Capital Corp.
1174 St. Johnland Road, Kings Park, NY 11754 3219
Effective Date: June 04, 2015


Mortgage Broker Certificate Name Changes:

August 05, 2015 (BR-MBD)
From: United Mortgage Group, Inc.
To: United Mortgage Brokerage, Inc.


Mortgage Banker License Address Changes:

July 30, 2015 (MB-MBD)
Carrington Mortgage Services, LLC
From: 1610 East Saint Andrew Place, Suite B-150, Santa Ana, CA 92705
To: 1600 South Douglas Road, Suite 110, Anaheim, CA 92806

August 03, 2015 (MB-MBD)
CitiFinancial Company U/F/N CitiFinancial Company (DE)
From: 300 St. Paul Place - BSP18C, Baltimore, MD 21202
To: 1000 Technology Drive, MS 140, O'Fallon, MO 63368 2239

August 03, 2015 (MB-MBD)
Summit Mortgage Bankers, Inc.
From: 18 Bowery, Ground Floor, New York, NY 10013
To: 36-60 Main Street, 3rd Floor, Flushing, NY 11354 6507


Mortgage Banker Branch License Address Changes:

August 03, 2015 (MB-MBD)
Summit Mortgage Bankers, Inc.
From: 36-60 Main Street, Suite 301, Flushing, NY 11354
To: 18 Bowery, Ground Floor, New York, NY 10013

August 03, 2015 (MB-MBD)
Advisors Mortgage Group, L.L.C.
From: 42-40 Bell Boulevard, Suite 402, Bayside, NY 11361
To: 36-58 Main Street, Suite 3-F, Flushing, NY 11354

August 04, 2015 (MB-MBD)
PrimeLending, A PlainsCapital Company
From: 29 Bassett Lane #B, Hyannis, MA 02601
To: 76 Tupper Road, Unit #1, Sandwich, MA 02563

August 05, 2015 (MB-MBD)
loanDepot.com, LLC D/B/A LDWholesale
From: 29 Locust Avenue, Suite #101, Rye, NY 10580
To: 96 Purchase Street, Suite 200, Rye, NY 10580


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

July 31, 2015

133010

Kevin J Barton

West Islip

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 24, 2015

1148906

Weston David Adams

Shelby Twp.

MI

Quicken Loans Inc.

July 24, 2015

266874

Ashleigh Elizabeth Maisano

Detroit

MI

Quicken Loans Inc.

July 24, 2015

1247390

Andrew William Moore

Avon

OH

Quicken Loans Inc.

July 24, 2015

1023663

Ali Hassan Mahfouz

Lincoln Park

MI

Quicken Loans Inc.

July 24, 2015

1290248

Caitlin Elizabeth Bossert

The Colony

TX

Nationstar Mortgage LLC

July 24, 2015

528759

Zubair Sharif

Miller Place

NY

Homebridge Financial Services,
Inc.

July 24, 2015

8543

Sean Michael Grill

Melville

NY

Industrial Credit Of Canada, Ltd

July 24, 2015

1112496

Wendy Jean Gaspa

Utica

NY

Upstate Premier Mortgage Inc

July 24, 2015

706904

Rachna Kapoor

Princeton

NJ

Finance Of America Mortgage
LLC

July 24, 2015

145076

Krista Marie Roberts

Parker

CO

Pulte Mortgage LLC

July 24, 2015

1262951

Timothy Tyler Hord

Detroit

MI

One Reverse Mortgage, LLC

July 24, 2015

1310479

Joseph Richard Meyer

Avon

NY

Homestead Funding Corp.

July 24, 2015

1081688

Michael Louis Fleisher

Philadelphia

PA

Phh Mortgage Corporation

July 24, 2015

1024434

Stephen Francis McNally

Jacksonville

FL

Phh Mortgage Corporation

July 24, 2015

598829

Terrick Golding

Springfield Gardens

NY

United Northern Mortgage
Bankers Limited

July 24, 2015

1201899

Melissa Tena Spain

Columbia

MO

Mortgage Research Center, LLC

July 24, 2015

1185391

Sarah Gene Woodard

Columbia

MO

Mortgage Research Center, LLC

July 24, 2015

1305385

Mendel zev Motzen m

Brooklyn

NY

First Class Funding Corp.

July 30, 2015

1256448

James Brian Schiffmacher

Huntington

NY

United Mortgage Corp.

July 30, 2015

203845

Nicholas J Esposito

Howell

NJ

Advisors Mortgage Group, L.L.C.

July 31, 2015

1322598

Marcus Alexander Owens

Newport Beach

CA

Network Capital Funding
Corporation

July 31, 2015

1221192

Clayton Hendricks Burt

Kennesaw

GA

American Advisors Group

July 31, 2015

1275152

Mitchell Devonne Small

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1273669

Edmund Kyle Wilson

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1195045

Patrick Chua McAuliffe

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1195013

Shane Edward Kavanaugh

South Lyon

MI

Quicken Loans Inc.

July 31, 2015

1186582

James Michael Kleiner

Harrison Township

MI

Quicken Loans Inc.

July 31, 2015

1312130

Dennyela Ann Reever

Lakewood

OH

Quicken Loans Inc.

July 31, 2015

1117604

Catherine Renee Wahl

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1211897

Joshua David Bettens

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1186414

Shane Patrick Burrough

Detroit

MI

Quicken Loans Inc.

July 31, 2015

1312086

Nicole Anne Grgic

Willoughby

OH

Quicken Loans Inc.

July 31, 2015

969390

Daren Keith Howard

Cleveland

OH

Quicken Loans Inc.

July 31, 2015

1203407

Rochelle Nicole Toles

Detroit

MI

Quicken Loans Inc.

July 31, 2015

404556

Charles Gerard Vogt

Ronkonkoma

NY

Intercontinental Capital Group,
Inc.

July 31, 2015

705712

Michael Tomassi

Providence

RI

Intercontinental Capital Group,
Inc.

July 31, 2015

1269949

Paul Theodore Freidin

Long Beach

NY

Franklin First Financial, Ltd.

July 31, 2015

1240963

Adam Laurence Hendrickson

Peconic

NY

Residential Home Funding Corp.

July 31, 2015

660143

Sheryl Renee Contreras

Irving

TX

Nationstar Mortgage LLC

July 31, 2015

663557

Stephen Michael Allen

Upland

CA

Nationstar Mortgage LLC

July 31, 2015

1284586

Jake Harris Rosenbloom

Old Westbury

NY

United Mortgage Corp.

July 31, 2015

926922

Chelsea Marie Devine

New York

NY

Guardhill Financial Corp.

July 31, 2015

4333

Derek Ryan Kamm

Dix Hills

NY

East Coast Capital Corp

July 31, 2015

1287591

Richard Charles Cantalupo

North Babylon

NY

Industrial Credit Of Canada,
Ltd

July 31, 2015

1165855

Tomiko Gay Whitaker

Indianapolis

IN

Urban Financial Of America,
LLC

July 31, 2015

1232533

Philip Brody

Brooklyn

NY

Flash Funding, LLC

July 31, 2015

219538

David B. Phillips

Brooklyn

NY

FM Home Loans, LLC

July 31, 2015

648866

Kyle Brandon Adams

St Johns

FL

Carrington Mortgage Services,
LLC

July 31, 2015

212788

Makiya Morris

Clinton Twp

MI

One Reverse Mortgage, LLC

July 31, 2015

1262949

Matthew Stephen Amatucci

Farmingtion

MI

One Reverse Mortgage, LLC

July 31, 2015

1220676

Jalal Ratib Al-Zoubi

Ann Arbor

MI

One Reverse Mortgage, LLC

July 31, 2015

1204718

David O'Leary

Bayside

NY

Mortgage Direct Inc

July 31, 2015

1305368

Carla Rayburn Mackie

Knoxville

TN

21st Mortgage Corporation

July 31, 2015

1299728

Chase McGall Polhemus

Newport

RI

Embrace Home Loans, Inc.

July 31, 2015

1114596

Gerald W Cawley

Smithtown

NY

State Farm Bank, F.S.B.

July 31, 2015

1186850

Rachel Dawn Caple

Littleton

CO

Lenderlive Network, Inc.

July 31, 2015

766877

Daniel Walter Howell

Thornton

CO

Lenderlive Network, Inc.

July 31, 2015

347802

Jason Jon Proefrock

Neptune Beach

FL

PHH Mortgage Corporation

July 31, 2015

1309725

Antonio Sita

Media

PA

PHH Mortgage Corporation

July 31, 2015

998537

Christina Marie Clough

Lake Bluff

IL

PHH Mortgage Corporation

July 31, 2015

1287774

Janine Rae Brinker

Fulton

MO

Mortgage Research Center, LLC

July 31, 2015

1276852

Kyle Eric Kroll

Columbia

MO

Mortgage Research Center, LLC

July 31, 2015

909727

Edward August Winder Jr

Lancaster

SC

Reliance First Capital, LLC

July 31, 2015

1325886

Donna Marie Gullo

Holtsville

NY

Reliance First Capital, LLC

July 31, 2015

1242702

Bryan Alexander Miracle

Muncie

IN

Royal United Mortgage LLC

July 31, 2015

368469

Justin Bradley Bermingham

Tustin

CA

Loandepot.com, LLC

July 31, 2015

343005

Joanne Fava

Staten Island

NY

Tristar Mortgage Corp

July 31, 2015

1007313

Richard J. Southern

Flushing

NY

Continental Mortgage Bankers,
Inc

July 31, 2015

1312067

Theresa Ching

Astoria

NY

Cliffco, Inc.

July 31, 2015

61663

April M Baker-Levy

Stony Point

NY

Yourapproved Funding Corp.

July 31, 2015

487587

Ernesto Jose Jurado Vargas

Jacksonville

FL

Digital Risk Mortgage Services, LLC

July 31, 2015

498789

Robert Edward Lee

Rancho Santa Margarita

CA

First Direct Lending, LLC

July 31, 2015

1094714

Souhel Stephan Tarakji

Ladera Ranch

CA

First Direct Lending, LLC

 

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