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New York State Department of Financial Services

Weekly Banking Bulletin

December 31, 2015

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.

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
BP Budget Planner
CC Check Casher
CU Credit Union
FA Foreign Agency
FB Foreign Branch
FR Foreign Representative Office
HC Holding Company
IC Investment Company
LL Licensed Lender
MK Merchant Bank
MI Miscellaneous
MB Mortgage Banker
BR Mortgage Broker
MLS Mortgage Servicer
PF Premium Finance Agency
PB Private Banker
SD Safe Deposit Company
SF Sales Finance Agency
SL Savings and Loan Association
SB Savings Bank
TM Transmitter of Money
TR Trust Company
VC Virtual Currency

Regulatory Unit Codes

CM Capital Markets
CRB Community and Regional Banks
CSD Consumer Services
FWB Foreign and Wholesale Banks
LFS Licensed Financial Services
MBD Mortgage Banking


SECTION l

December 17, 2015 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, NY 12701

Application dated December 11, 2015, for permission to open and occupy a branch office at 1685 Route 9, Clifton Park, Saratoga County, NY 12065, received.  (The location is currently occupied by a branch office of Community Bank, N.A.)

December 18, 2015 (MI-CRB)
CENTENNIAL BANK
620 Chestnut Street, Conway, AR 72032

Application, dated December 17, 2015, for permission to open and occupy a branch office at 12 East 49th Street, 28th Floor, Borough of Manhattan, City of New York 10017, received.

December 21, 2015 (SB-CRB)
ELMIRA SAVINGS BANK 
333 East Water Street, Elmira, NY 14901

Application to change the location of branch office from 301 East State Street, Ithaca, Tompkins County, NY 14850 to 602 West State Street, Ithaca, Tompkins County, NY 14850, received.

December 23, 2015 (TR-FWB)
THE BANK OF NEW YORK MELLON
225 Liberty Street, New York, NY 10286

Application dated December 23, 2015 for permission to change the location of branch office from
35 Clarence Street, Sydney NSW 2000 Australia to 1 Bligh Street, Sydney NSW 2000 Australia, received.

December 23, 2015 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Application dated December 21, 2015 for permission to change the location of branch office from Scotiabank Centre, Cardinal Avenue No. 6, George Town, Grand Cayman, Cayman Islands, British West Indies to Harbor Place, 103 South Church Street, George Town, Grand Cayman, Cayman Islands, British West Indies, received.

December 24, 2015 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to continue business as Private Bankers, received.

(These Private Bankers are already under the supervision of the Department.  New Certificate submitted by reason of the conversion of Carl S. Cutler from General Partner to Class 2 Limited Partner.)

December 28, 2015 (FB-FWB)
THE ROYAL BANK OF SCOTLAND PLC
Gogarburn, 175 Glasgow Road, Edinburgh EH12 1HQ

Notice to voluntarily surrender representative office license at 489 Fifth Avenue New York, NY 10017, received.

December 29, 2015 (MI-CRB)
NORTHWEST SAVINGS BANK
Liberty Street at Second Avenue, Warren, PA 16365

Notice of intention to close branch office at 36 West Main Street, Rochester, Monroe County, New York 14614, received.

December 30, 2015 (SB-CRB)
NEW YORK COMMUNITY BANK
615 Merrick Avenue, Westbury, NY 11590

Notice of intention to temporarily close branch offices at the following locations, received.

  1. Pathmark Supermarket, 2335 New Hyde Park Road, New Hyde Park, Nassau County, NY 11040;
  2. Pathmark Supermarket, 3901 Hempstead Turnpike, Bethpage, Nassau County, NY 11714;
  3. Pathmark Supermarket, 1245 61st Street, Boro Park, Borough of Brooklyn, City of New York 11219.

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

July 27, 2015

1367349

Andrew Thomas Floyd

Scottsdale, AZ 

October 14, 2015

223254

Russell Rene Levine

Hollywood, FL

October 28, 2015

122501

Jason David Zeisler

Jamison, PA

October 30, 2015

865437

Robert Sivori

Saddle River, NJ

November 3, 2015

1079874

Jason R Pinheiro

West Warwick, RI

November 3, 2015

1000300

Stephanie Anne Amedee

Glocester, RI 

November 4, 2015

215151

Raymond Jamond Fuller

Irvine, CA

November 11, 2015

1234060

Robert Ruiz

Morristown, NJ

November 17, 2015

382036

John Joseph Mullin

East islip, NY

November 19, 2015

364180

Scott Andrew Tripp

Hollywood, FL

November 23, 2015

40129

Mike Morales

La Habra Heights, CA

December 4, 2015

1262733

Drew Nelson Powell

St. Clair Shores, MI 

December 6, 2015

1238299

Ryan Joseph Hansinger

Detroit, MI 

December 8, 2015

1409446

Richard Lawrence Maldonado

Allen Park, MI 

December 8, 2015

663818

Yury Gokhberg

Brooklyn, NY

December 8, 2015

648958

Sven William Ahren

St Johns, FL 

December 8, 2015

1312338

Gregory Martin Molitor

Farmington Hills, MI

December 8, 2015

1333688

Stephen Gierak McMullin

Howell, MI 

December 8, 2015

1333770

Jesharelah Doris Pena

Warren, MI

December 8, 2015

1149110

Seth Andrew Kasmann

Columbia, MO

December 8, 2015

1416672

Melissa Alexandra Quinones

Columbia, MO

December 9, 2015

1283548

Luke Fredrick Paul Wheldon

Shelby Township, MI 

December 9, 2015

1418823

Jamal Ally Saad

Dearborn Heights, MI

December 9, 2015

1332763

Benjamin Richard Dueweke

Detroit, MI 

December 9, 2015

1419038

Duncan Alex McDonald IV

Ferndale, MI

December 9, 2015

1418511

Daniel John Wrobbel

Rochester, MI 

December 9, 2015

1418998

Matthew Patrick Norris

Novi, MI 

December 9, 2015

1419167

Levi Bradford Gourdie

Detroit, MI

December 9, 2015

1419046

Nicholas Anthony Dambro

Royal Oak, MI 

December 9, 2015

1419160

Philomela Gan

Northville, MI 

December 9, 2015

1159833

Joel Alexander Frazee

Royal oak, MI

December 9, 2015

1312441

Andrew David Weber

Ypsilanti, MI 

December 9, 2015

1419136

Jeffrey Alan Fenkell

Detroit, MI

December 9, 2015

1419130

Dylan Paul Eberitzsch

Allen Park, MI

December 9, 2015

1296099

Stacey Devonna White

Sterling Heights, MI 

December 9, 2015

1117386

Jose Luis Landro-Vega

Detroit, MI

December 9, 2015

1367364

Kyle Brian White

Detroit, MI 

December 9, 2015

1418979

Julie Therese Rhodes

Detroit, MI 

December 9, 2015

1419052

Amy Chiuyen Mar

Troy, MI 

December 9, 2015

1222441

Terreia Syreeta Whitsett

Euclid, OH 

December 9, 2015

1262992

Milad Jaghnoun

Monroe, MI

December 9, 2015

1262461

Christopher Galen Krach

Brownstown, MI 

December 9, 2015

1419034

Anthony Wayne Coleman Jr.

Detroit, MI 

December 9, 2015

1273464

Kyle Michael Kay

Detroit, MI 

December 9, 2015

1419164

Jamie Lynne Gasper

Roseville, MI 

December 9, 2015

894989

Vladimir Vladimirov Danilchenko

Jacksonville, FL

December 10, 2015

1418984

Derek Jacob Puzio

Milford, MI 

December 11, 2015

352451

Christopher Thomas Morrison

Coral Gables, FL

December 14, 2015

1249780

Laura Elizabeth Schultz

Indianapolis, IN

December 14, 2015

1387672

Alanna Helen Georgis

Sterling Heights, MI

December 14, 2015

1332743

Kevin Douglas Birge

Royal Oak, MI 

December 14, 2015

1419013

Matthew Loren Nelson

Lathrup Village, MI 

December 14, 2015

1247829

Ronald Alexander Smith

Livonia, MI

December 14, 2015

161700

Vivian A Forr

Frisco, TX

December 14, 2015

108586

Behrouz Benyaminpour

Great Neck, NY 

December 15, 2015

360123

Gary Wayne Lambert

Jacksonville, FL

December 15, 2015

23296

Gregory John Zaleski

Jacksonville, FL

December 15, 2015

633595

Derwin Sean Rogers

Jacksonville, FL

December 15, 2015

648838

Gabriel Brooke Warren

Jacksonville beach, FL

December 15, 2015

648961

Blythe Dewey Cejka

Jacksonville Beach, FL

December 15, 2015

1247831

Shauna Rose Spoonamore

Belleville, MI 

December 15, 2015

1432470

Raul Valentino Joseph

Atlanta, GA

December 15, 2015

1312218

Hassin Bazzi

Dearborn Heights, MI

December 15, 2015

1149820

Mark Edwin Tittl

Cleveland Heights, OH

December 15, 2015

399023

Jon DeLaney Singletary

Jacksonville, FL 

December 16, 2015

1418312

Matthew Ryan Kohl

Rocky River, OH

December 17, 2015

613078

Matthew Brian Bowler

Jacksonville Beach, FL 

December 17, 2015

1428878

Haylie Brooke Dwyer

Livonia, MI 

December 17, 2015

1428804

Dominique Michelle Brown

Saint Clair Shores, MI

December 17, 2015

1428788

Zan Afzal Bhatti

Taylor, MI 

December 17, 2015

1418987

William Spencer Bennett

Grosse Ile, MI 

SECTION II

December 22, 2015 (CC-LFS)
ACTION CHECK CASHING CORP
81-36 Baxter Avenue, Elmhurst, NY   11373

Effective December 22, 2015, license to engage in business as casher of checks for the branch located at 61-20 Springfield Blvd, Bayside, NY 11364 was surrendered.

December 30, 2015 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Application, pursuant to Section 162 of the Banking Law, to increase permanent capital from $435 million to $500 million, approved. 

December 30, 2015 (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 Carl S. Cutler from General Partner to Class 2 Limited Partner.)

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

December 30, 2015 (BR-MBD)
Payment Plans Inc.
7066 Clinton Street, Elma, NY 14059 8803
Effective Date: December 22, 2015

December 30, 2015 (BR-MBD)
Gentry Capital Services, LLC
30 Old Kings Highway South, Suite 130, Darien, CT 06820 5410
Effective Date: December 22, 2015

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

December 23, 2015 (MB-MBD)
New Day Financial, LLC D/B/A New Day USA
8160 Maple Lawn Boulevard, Suite 300, Fulton, MD 20759 2623
Effective Date: December 18, 2015

Registration to engage in the business of a Mortgage Banker Exempt Loan Servicer surrendered:

December 23, 2015 (MBE-MBD)
New Day Financial, LLC D/B/A New Day USA
8160 Maple Lawn Boulevard, Suite 300, Fulton, MD 20759 2623
Effective Date: December 18, 2015

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

December 24, 2015 (BR-MBD)
Full Service Branch
Richard T. Wilson D/B/A Adirondack Mortgage Service
520 Seneca Street, Utica, NY 13502
Effective Date: December 08, 2015

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

December 24, 2015 (BR-MBD)
First Community Resources, Inc.
74-09 37th Avenue, Suite 415, Jackson Heights, NY 11372

December 28, 2015 (BR-MBD)
Abound Financial Group, Inc.
751-759 Allerton Avenue, Suite 201, Bronx, NY 10467 8818

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

December 7, 2015

1365219

Caleb Lundy Huff

Baltimore

MD

December 7, 2015

1365221

Myles Anthony Harris

Baltimore

MD

December 7, 2015

1365223

Andrew David Engel

Millersville

MD

December 7, 2015

776700

Spencer Wilkins McHargh

Alexandria

VA

December 7, 2015

1193741

Blake Andrew Alderman

Baltimore

MD

December 7, 2015

1254886

Marc DiMambro Israel

Silver Spring

MD

December 7, 2015

1090452

Zachary Tucker Bean

Baltimore

MD

December 10, 2015

19626

Frank Robert McCormack

Massapequa

NY

December 14, 2015

1399102

David Guindi

Brooklyn

NY

December 14, 2015

1245001

Sarah Lynn Wells-Morgan

Columbia

MO

December 15, 2015

905190

Benjamin William Taylor

Baltimore

MD

December 17, 2015

457822

William Henry Nugent

Hartsdale

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

December 18, 2015

1373133

Rivah Bochner

Monsey

NY

Onyx Equity Partners Corp

December 18, 2015

1144824

Matthew Stephen Bellinger

Richmond

VA

Live Well Financial, Inc.

December 18, 2015

216439

Stephen Paul Delagrange

Chicago

IL

Guaranteed Rate, Inc.

December 18, 2015

995114

David Charles Churchill

Chicago

IL

Guaranteed Rate, Inc.

December 18, 2015

1368986

Mark Edward Goshell

Carmel

IN

Carrington Mortgage Services, LLC

December 18, 2015

1282288

Danielle Louise Fell

Romulus

MI

One Reverse Mortgage, LLC

December 18, 2015

111279

William B Haidinger Jr.

Endwell

NY

State Farm Bank, F.S.B.

December 18, 2015

453098

Vanessa Joaquin

Lindenhurst

NY

Best Rate Capital Inc

December 18, 2015

17882

Nicholas Schmidtke

Deer Park

NY

United Mortgage Corp.

December 18, 2015

1380876

David Adam Karol

Smithtown

NY

East Coast Capital Corp

December 18, 2015

999902

Christopher David Hoyer

Margate

FL

Digital Risk Mortgage Services, LLC

December 18, 2015

129431

Donovan James Howard

Guilderland

NY

Home Point Financial Corporation

December 18, 2015

100115

Eric Joseph Charbonneau

Clifton Park

NY

Home Point Financial Corporation

December 18, 2015

149385

David Richard Stickles

Albany

NY

Home Point Financial Corporation

December 18, 2015

179651

Ryan Joseph Huebel

Fallston

MD

Home Point Financial Corporation

December 18, 2015

66701

Manuel James Mosquera

Rockville Centre

NY

Washington Equities Mortgage Corp

December 18, 2015

1115876

Errol Emmanuel Santos II

Roanoke

TX

Nationstar Mortgage LLC

December 18, 2015

1186421

Autumn Lynn Casuto

Scottsdale

AZ

Quicken Loans Inc.

December 18, 2015

32682

Kurt Thomas Albrecht

Canton

MI

Quicken Loans Inc.

December 18, 2015

1211848

Marcos Marquez Molina

Phoenix

AZ

Quicken Loans Inc.

December 18, 2015

1398677

Robert Thomas Stoeckinger

Cleveland

OH

Quicken Loans Inc.

December 18, 2015

28010

Christopher Jordan Maronek

Scottsdale

AZ

Quicken Loans Inc.

December 18, 2015

875150

Hans Robert Sachs

Brooklyn

NY

Intercontinental Capital Group, Inc.

December 18, 2015

18674

Anthony Frank Fontana

Huntington

NY

Franklin First Financial, Ltd.

December 18, 2015

1311162

Giovanni Cayo

Bayshore

NY

Interstate Home Loan Center, Inc.

December 18, 2015

211148

Paul Christopher DiGuilio

Feasterville-Trevose

PA

Allied Mortgage Group, Inc.

December 18, 2015

1207421

Edith Lucille Regler

Mount Laurel

NJ

American Neighborhood Mortgage Acceptance Company LLC

December 18, 2015

1316594

Mohamed Zaman

Kew Gardens

NY

Cliffco, Inc.

December 18, 2015

113068

Spence Killam

Morristown

NJ

Millenium Home Mortgage, LLC

December 18, 2015

1366908

David Ryan Fugate

Columbia

MO

Mortgage Research Center, LLC

December 18, 2015

1280211

Marcus Alexander Pinon

Irvine

CA

Loandepot.Com, LLC

December 18, 2015

420663

Alicia Eileen McKean

New City

NY

Loandepot.Com, LLC

December 18, 2015

729262

Erik Johnson

Tuckahoe

NY

Loandepot.Com, LLC

 

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