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New York State Department of Financial Services

Weekly Banking Bulletin

August 5, 2016

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 VC Virtual Currency

Regulatory Unit Codes

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


SECTION I

July 27, 2016 (CU-CRB)
AMERICU CREDIT UNION
1916 Black River Boulevard, Rome, NY 13440

Application dated July 25, 2016, pursuant to Section 461 of the Banking Law, for permission to open and maintain a station at 3944 Route 281, Cortland, Cortland County, NY 13045, received.


July 29, 2016 (SB-CRB)
FIRST CENTRAL SAVINGS BANK
70 Glen Street, Glen Cove, NY 11542

Notice of intention to close branch office at 45-08 46th Street, Sunnyside, Borough of Queens, City of New York 11104, received.

The comment period on this notice will expire September 6, 2016.


August 2, 2016 (SF-LFS)
GCS HOLDINGS, INC.
14030 NW 63rd Street, Parkville, MO 64152

Application received for a change of control of Universal Guardian Acceptance, LLC located at 1701 South Belt Highway, St. Joseph, Buchanan County, MO 64507.

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.


August 2, 2016 (SF-LFS)
JUGGERNAUT FUNDING CORP.
14005 NW 63rd Street, Parkville, MO 64152

Application received for a change of control of Universal Guardian Acceptance, LLC located at 1701 South Belt Highway, St. Joseph, Buchanan County, MO 64507.

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.


August 2, 2016 (SF-LFS)
ECD INVESTMENTS, INC.
431 Shepherd Way, Park City, Utah 84098

Application received for a change of control of Universal Guardian Acceptance, LLC located at 1701 South Belt Highway, St. Joseph, Buchanan County, MO 64507.

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.


August 5, 2016 (TM-LFS)
PRABHU HOLDING CORP.
37-15 73rd Street, Jackson Heights, NY 11372

Application was received from Prabhu Holding Corp. to acquire 60% of the share of Prabhu Group, Inc. d/b/a Prabhu Money Transfer located at 37-15 73rd Street, Jackson Heights, NY 11372.

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.


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

August 2, 2016 (BK-MBD)
Full Service Branch
Pacific Union Financial LLC
7880 Bent Branch Drive, Suite 100, Irving, TX 75063

August 3, 2016 (BK-MBD)
Full Service Branch
Platinum Home Mortgage Corporation DBA PHMC Mortgage
50 S U.S. Highway One, Suite 206, Jupiter, FL 33477

August 3, 2016 (BK-MBD)
Full Service Branch
Universal American Mortgage Company, LLC D/B/A Eagle Home Mortgage
240 Cedar Knolls Road, Suite #405, Cedar Knolls, NJ 07927-1621

August 3, 2016 (BK-MBD)
Full Service Branch
Intercontinental Capital Group, Inc.
847 Annadale Road, Suite #301, Staten Island, NY 10312

August 3, 2016 (BK-MBD)
Full Service Branch
Intercontinental Capital Group, Inc.
237-11 Linden Blvd., Store Front, Elmont, NY 11003

August 3, 2016 (BK-MBD)
Full Service Branch
Intercontinental Capital Group, Inc.
1400 Old Country Road, Suite #200A, Westbury, NY 11590


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 #

Applicant Name

City

State

December 28, 2015

17659

Rohit Sharma

Roslyn Heights

New York

February 12, 2016

726146

Anthony Rosenfeld

New York

New York

March 22, 2016

556647

Blake Abele

Utica

New York

May 19, 2016

306688

Harold Wesley Gannon Jr

Collegeville

Pennsylvania

May 20, 2016

12447

Richard Vidal

Flanders

New Jersey

May 31, 2016

238680

John Robert Sherman

Rancho Cucamonga

California

June 6, 2016

1489171

Salvatore Thomas Rizzolo

West Babylon

New York

June 7, 2016

1478418

Marcellus Alexander McCord

Florence

New Jersey

June 9, 2016

204518

Jody Michael Mincey

Cranberry TWP

Pennsylvania

June 10, 2016

1179696

Jessica Marie Pena

Pittsburgh

Pennsylvania

June 10, 2016

362465

Amy L Flores

Bellmore

New York

June 10, 2016

1470922

Ching Lam

Flushing

New York

June 14, 2016

1474546

Andres Mauricio Lopez-Tobar

Ladera Ranch

California

June 14, 2016

173458

Corey James Scandin

Linwood

New Jersey

June 17, 2016

1469781

Michael Lawrence Plunkett

Pelham

New York

June 20, 2016

1423967

Brett Adam Baratt

Syosset

New York

June 24, 2016

1455520

Christopher James Thomas

Jefferson Hills

Pennsylvania

June 27, 2016

1049436

Jeffrey Daniel Levis

Belle Vernon

Pennsylvania

June 29, 2016

1418744

Daniel Alan Levin

Pittsburgh

Pennsylvania

July 5, 2016

1493191

Ilyas Tasci

Paramus

New Jersey

July 6, 2016

1497038

Joseph Paul Flanagan

Ann Arbor

Michigan

July 7, 2016

823259

Veronica Nicole Hendrix

Dallas

Texas

July 7, 2016

1415481

Daniel Edward Collins

Deltona

Florida

July 7, 2016

356066

Catherine Ellen Kane

Longwood

Florida

July 8, 2016

1485326

Erin Marie Thierry

Dearborn Heights

Michigan

July 8, 2016

1474542

Thomas Joseph Cuozzo

Orange

California

July 9, 2016

1493222

Quan Khai Loc

Flushing

New York

July 11, 2016

1497506

Chelsea Marie Monforte

Harrison Township

Michigan

July 11, 2016

1496838

Jordan Stephen Abbate

Chandler

Arizona

July 11, 2016

1333045

Michael Edward Szumowski

Woodland

California

July 11, 2016

1497555

Rachel Ann Spaccarotelli

Hazel Park

Michigan

July 11, 2016

1387723

John Francis Manion

Detroit

Michigan

July 11, 2016

1023678

Tyler Harrison Moreland

Brighton

Michigan

July 11, 2016

1497508

Malcolm Norvell Moragne-Spicer II

Detroit

Michigan

July 13, 2016

973325

Damon Anthony Laylock

Flushing

New York

July 13, 2016

785345

Thomas Abbate

Freehold

New Jersey

July 14, 2016

459650

Michael Patrick Freeman

Round Lake

New York

July 15, 2016

1502194

Wesley Michael James

Denton

Texas

July 19, 2016

1497515

Ryan Patrick Priestap

West Bloomfield

Michigan

July 19, 2016

1485663

Jabriel Edward Milner

Hamtramck

Michigan

July 19, 2016

1273423

Ryan Andrew Harrell

Whitmore Lake

Michigan

July 19, 2016

1031062

Michael Awni Nshiwat

Canton

Michigan

July 19, 2016

1415505

Kelvin Steven Bradley

Orlando

Florida

July 19, 2016

1375722

Jason George Ward

Rochester

Michigan

July 19, 2016

1472804

Charles Thomas McPhail

Ypsilanti

Michigan

July 19, 2016

1415497

Timothy Joshua Cusick

Deltona

Florida

July 19, 2016

1283056

Nicholas Ryan Campbell

South Lyon

Michigan

July 20, 2016

1064974

Erick Owen Wilcox

Wellington

Florida

July 22, 2016

1504431

Natalie Pepoon

Columbia

Missouri

July 22, 2016

1449671

Gregory McKain

Marlton

New Jersey

July 22, 2016

1312346

Thomas Alan Nakoneczny

Ferndale

Michigan

July 22, 2016

1497502

Michael James McDonough Jr.

Macomb

Michigan

July 22, 2016

1178081

Ricky Safaa Hadid

Sterling Heights

Michigan

July 22, 2016

1203383

Amed Ali Shami

Dearborn

Michigan

July 22, 2016

926645

Emily Lynn Archer

Dearborn

Michigan

July 22, 2016

1398595

Juan Manuel Cruz

Tempe

Arizona

July 22, 2016

1496854

Kristopher Martin Limpus

Phoenix

Arizona


SECTION II

July 25, 2016 (TM-LFS)
FICOHSA EXPRESS NEW YORK, LLC
7791 NW 46 Street, Suite 414, Doral, FL 33166

A money transmitter license was issued in connection with the change of head office location from 9600 NW 38 Street, Suite 100, Doral FL 33178 to 7791 NW 46 Street, Suite 414, Doral, FL 33166.

In connection with the above license issuance, the money transmitter license for 9600 NW 38 Street, Suite 100, Doral FL 33178 was surrendered.


July 29, 2016 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, NY 12701

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 6 Railroad Plaza, South Fallsburg, Town of Fallsburg, Sullivan County, NY 12779, will not result in a significant reduction of banking services in the community to be affected.


July 29, 2016 (BK-CRB)
ORANGE COUNTY TRUST COMPANY
212 Dolson Avenue, Middletown, NY 10940

Effective July 27, 2016, the Superintendent has granted FINAL APPROVAL for Orange County Trust Company to amend its Organization Certificate to change its name to “Orange Bank & Trust Company” under New York Banking  Law, §1003. et. seq.


July 29, 2016 (MI-CRB)
NORTHWEST SAVINGS BANK
Liberty Street at Second Avenue, Warren, PA 16365

As provided in Section 28-c of the Banking Law, the New York State Department of Financial Services has found that the proposed closing of branch office at 3670 South McKinley Parkway, Town of Hamburg, Erie County, New York 14219, will not result in a significant reduction of banking services in the community to be affected.


August 1, 2016 (SB-CRB)
NORTHEAST COMMUNITY BANK
325 Hamilton Avenue, White Plains, NY 10601

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 66 Elm Street, Danvers, Essex County, Massachusetts 01923 to 87 Elm Street, Danvers, Essex County, Massachusetts 01923.


Mortgage Banker Branch License Address Changes:

August 3, 2016 (BK-MBD)
Jet Direct Funding Corp. D/B/A Jet Direct Mortgage
Senior Reverse Network
From: 2800 Middle Country Road, Suite 2, Lake Grove, NY 11755
To: 24 Great Neck Road, Great Neck, NY 11021-3305

August 3, 2016 (BK-MBD)
Homebridge Financial Services, Inc. DBA Menlo Park Funding
From: 1401 Route 52, Suite 202, Fishkill, NY 12524
To: 560 Route 52, Suite #102, Beacon, NY 12508-1262


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

July 29, 2016 (BK-MBD)
Full Service Branch
Blair Services of America Inc. DBA Whitman Mortgagee
4630 White Plains Road, Bronx, NY 10470
Effective Date:  June 23, 2016


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

August 3, 2016 (BK-MBD)
Full Service Branch
Cardinal Financial Company, LP D/B/A Sebonic Financial
41 Pinelawn Road, Suite 100, Melville, NY 11747

August 3, 2016 (BK-MBD)
Full Service Branch
Pacific Union Financial LLC
Crown Ridge, 4035 Ridge Top Rd, 2nd Floor, Suite 200, Fairfax, VA 22030

August 3, 2016 (BK-MBD)
Full Service Branch
Syracuse Securities, Inc.
5500 Main Street Suite 108A, Williamsville, NY 14221

August 3, 2016 (BK-MBD)
Full Service Branch
Freedom Mortgage Corporation D/B/A CHL Mortgage
16 Court Street, Suite 1505, Brooklyn, NY 11241

August 3, 2016 (BK-MBD)
Full Service Branch
CrossCountry Financing In Lieu of True Name CrossCountry Mortgage, Inc.
4700 Ashwood Drive, Suite 320, Cincinnati, OH 45241

August 3, 2016 (BK-MBD)
Full Service Branch
Total Mortgage Services, LLC
67 Federal Road, Building A, Suite 203, Brookfield, CT 06804

August 3, 2016 (BK-MBD)
Full Service Branch
loanDepot.com, LLC D/B/A LDWholesale
25500 Commercentre Drive, Lake Forest, CA 92630

August 3, 2016 (BK-MBD)
Full Service Branch
Freedom Mortgage Corporation D/B/A CHL Mortgage Jefferson Home Mortgage and Loan
98 Cuttermill Road, Suite 223, Great Neck, NY 11021

August 3, 2016 (BK-MBD)
Full Service Branch
Movement Mortgage, LLC
1725 Windward Concourse Rd, Ste 320, Alpharetta, GA 30005


Mortgage Broker Certificate Address Changes:

July 29, 2016 (BR-MBD)
Lightning Funding Inc.
From: 5372 Merrick Road, Massapequa, NY  11758
To: 212 Pettit Ave, Suite L, Bellmore, NY 11710-3629

July 29, 2016 (BR-MBD)
Heartland Mortgage Corp.
From:  290 West Hoffman Avenue, 2nd Floor, Lindenhurst, NY  11757
To: 146 East Main Street, Suite #3, East Islip, NY 11730


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 #

Applicant Name

City

State

July 26, 2016

1431252

Harrison Todd Leipold

Merchantville

New Jersey


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 #

Applicant Name

City

State

Sponsor Name

July 25, 2016

1422500

Thomas James Walsh

Honeoye Falls

New York

Premium Mortgage Corp.

July 27, 2016

12717

Michelle Lea Marie Miller

Plattsburgh

New York

Robert S. Duquette

July 27, 2016

1240128

Darren S Lum

Great Neck

New York

MCS Mortgage Bankers, Inc.

July 29, 2016

1387082

Creig Ebdal Retiz

Dallas

Texas

Nationstar Mortgage LLC

July 29, 2016

721562

Leonard Butta

Levittown

New York

Prospect Mortgage, LLC

July 29, 2016

966989

Kristopher Wayne Carmichael

Macon

Missouri

Mortgage Research Center, LLC

July 29, 2016

1216401

Victor Laurence Ilisco

Mount Laurel

New Jersey

Freedom Mortgage Corporation

July 29, 2016

1459956

Tanner Ryan Paul

La Mirada

California

American Advisors Group, Inc.

July 29, 2016

1056619

Saif Omran Ali

Coram

New York

Residential Home Funding Corp.

July 29, 2016

1443323

Nelson Berroa

Massapequa

New York

Wall Street Mortgage Bankers Ltd.

July 29, 2016

1359482

Stephanie Callari

Buffalo

New York

Hunt Mortgage Corporation

July 29, 2016

1203338

Christine Marie O'Grady

Clinton Township

Michigan

Quicken Loans Inc.

July 29, 2016

1376075

Cody Michael Sheeler

Canton

Michigan

Quicken Loans Inc.

July 29, 2016

1419048

Scott Brandon Marsch

Detroit

Michigan

Quicken Loans Inc.

July 29, 2016

976651

Amanda Leigh Mowbray

Huntersville

North Carolina

Reliance First Capital, LLC

July 29, 2016

1438136

Michael Francis Kieliszewski

Detroit

Michigan

Quicken Loans Inc.

July 29, 2016

136360

Jonathan Simkins Ingber

Elkins Park

Pennsylvania

Home Point Financial Corporation

July 29, 2016

177425

Hassan Adel Beidoun

Detroit

Michigan

Quicken Loans Inc.

July 29, 2016

986251

Joseph C Barretta

Howard Beach

New York

Residential Home Funding Corp.

July 29, 2016

1168414

Anthony Michael Pedulla

Ramsey

New Jersey

Residential Home Funding Corp.

July 29, 2016

1033145

Psalm David West

Placentia

California

Carrington Mortgage Services, LLC

July 29, 2016

113169

Christopher Eric Winzig

Newtown

Connecticut

Total Mortgage Services, LLC

July 29, 2016

448564

Nathan Edward Dube

Johns Creek

Georgia

Movement Mortgage, LLC

July 29, 2016

1220012

Eduard Castellano

Saint Clair Shores

Michigan

Quicken Loans Inc.

July 29, 2016

900350

Hazem George Haddad

Westland

Michigan

Quicken Loans Inc.

July 29, 2016

989847

Scott Bruce Feiden

New City

New York

CrossCountry Financing

July 29, 2016

1408858

Matthew Edward Bamford

Doylestown

Pennsylvania

Home Point Financial Corporation

July 29, 2016

77070

Dovid Berliner

Brooklyn

New York

Funding Source Corp.

July 29, 2016

1217448

Andrew Michael Fagan

Buffalo

New York

State Farm Bank, FSB

July 29, 2016

1430716

Rose Weiser

Brooklyn

New York

Fort Funding Corp.

July 29, 2016

1438102

Stefan Michael Giammarco

Livonia

Michigan

Quicken Loans Inc.

July 29, 2016

1445746

Jeffrey Michael Cacace

Huntington

New York

Reliance First Capital, LLC

July 29, 2016

398902

Evelyn Josephine Ortiz

Secaucus

New Jersey

First Alliance Home Mortgage, LLC

July 29, 2016

1455953

Stephen Jeremy Baxter

Jacksonville

Florida

PHH Mortgage Corporation

July 29, 2016

1450674

Laura K. Podbielski

Schenectady

New York

SEFCU Services, LLC

July 29, 2016

39522

Jason C Doherty

Waterbury

Connecticut

Total Mortgage Services, LLC

July 29, 2016

76599

Shawn Patrick Martin

Windham

Connecticut

Carrington Mortgage Services, LLC

July 29, 2016

340207

Glen Ray Snopel

Placentia

California

American Advisors Group, Inc.

July 29, 2016

442749

Khemraj Dharmendra Ramdhyan

Margate

Florida

Digital Risk Mortgage Services, LLC

July 29, 2016

137046

Kyle Chesterfield Berner

Fishers

Indiana

Freedom Mortgage Corporation

July 29, 2016

436493

Charles Richard Wiefering

Newport

Kentucky

CrossCountry Financing

July 29, 2016

130886

Jason Sean Pring

Hauppauge

New York

PHH Home Loans, LLC

July 29, 2016

1376260

Shawn Ryan Jones

Farmington Hills

Michigan

Quicken Loans Inc.

July 29, 2016

55241

Sadiki Pierre

Mahopac

New York

Hudson United Mortgage LLC

July 29, 2016

267266

Ryan Scott Tapper

West Bloomfield

Michigan

Quicken Loans Inc.

July 29, 2016

1428831

Ryan Alan Cash

Warren

Michigan

Quicken Loans Inc.

July 29, 2016

1376033

Taryn Janay Goslow

Waterford

Michigan

Quicken Loans Inc.

July 29, 2016

1172202

Steve Patrick Slifko

Commerce Township

Michigan

United Shore Financial Services, LLC DBA

July 29, 2016

1448790

Alex James Pancake

Aurora

Ohio

Quicken Loans Inc.

July 29, 2016

909474

Lynda Rosa Real-Rodriguez

Winter Springs

Florida

Digital Risk Mortgage Services, LLC

July 29, 2016

1212029

Jacob Alexander Lawrence

Carleton

Michigan

Quicken Loans Inc.

July 29, 2016

878555

Judith Liu

New Rochelle

New York

loanDepot.com, LLC

July 29, 2016

1430731

Joshua Peter Baldwin

Narragansett

Rhode Island

Embrace Home Loans, Inc.

July 29, 2016

1237673

Frank Edward Berardi

Grosse Pointe Farms

Michigan

Quicken Loans Inc.

July 29, 2016

143711

Jerrold David Phifer

N Amityville

New York

Meadowbrook Financial Mortgage Bankers

July 29, 2016

424806

Sean Keating

Holmdel

New Jersey

Advisors Mortgage Group, L.L.C.

July 29, 2016

40129

Mike Morales

La Habra Heights

California

Nationstar Mortgage LLC

July 29, 2016

1276243

Fayge T Zaks

Monsey

New York

The Everest Equity Company, Inc.

July 29, 2016

1332712

Thomas Samuel Abraham Jr

Bloomfield Hills

Michigan

Quicken Loans Inc.

July 29, 2016

1427773

William Henry Sheppard Jr

Crystal Lake

Illinois

Royal United Mortgage, LLC

July 29, 2016

883497

Ivanka Burgess

San Diego

California

Freedom Mortgage Corporation

July 29, 2016

1271267

Willis H Lee

Saratoga Springs

New York

Guaranteed Rate, Inc.

July 29, 2016

175393

Andrea L Crossan

Jacksonville

Florida

Digital Risk Mortgage Services, LLC

July 29, 2016

172254

Kieran M Rodgers

Huntington

New York

United Mortgage Corp.

August 3, 2016

198512

Jess Alvin Smith

San Clemente

California

loanDepot.com, LLC


 

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