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New York State Department of Financial Services

Weekly Banking Bulletin

October 28, 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

September 14, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

Notice of intention to establish an electronic facility (automated teller machine) at 100 South Cascade Drive, Village of Springville, Erie County, New York 14141, received.


September 30, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated September 29, 2016, for permission to change the location of branch office from 3 Washington Street, Ellicottville, Cattaraugus County, New York 14731 to 47 Washington Street, Ellicottville, Cattaraugus County, New York 14731, received.


October 6, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

Notice of intention to establish an electronic facility (automated teller machine) at 2101 Elmwood Avenue, Buffalo, Erie County, New York 14207, received.


October 7, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

Notice of intention to establish an electronic facility (automated teller machine) at 47 Washington Street, Ellicottville, Cattaraugus County, New York 14731, received.


October 13, 2016 (SF-LFS)
TEBO FINANCIAL SERVICES, INC
4801 Dressler Road NW, Suite 194, Canton, Stark County, Ohio 44718

Notification received for change of head office location from 4801 Dressler Road NW, Suite 194, Canton, Stark County, Ohio 44718 to 4740 Belpar Street N.W., Suite A, Canton, Ohio 44718

The publication of receipt of this notification does not indicate that the notification is deemed complete. A notification is deemed complete and filed when all required and requested information has been provided to the Department by the licensee.


October 14, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at 255 East Avenue, Rochester, Monroe County, New York 14604, received.

The comment period on this notice will expire November 21, 2016.


October 28, 2016 (CC – LFS)
RITE CHECK CASHING, INC.
715 East 138th Street, Bronx, NY 10454

Application was received for a license to engage in business as a licensed casher of checks at 815 Hutchinson River Parkway, Bronx, NY 10465.

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.

Any comments or objections should be submitted in writing, within ten business days, by November 14, 2016.


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

October 24, 2016 (BK-MBD)
Applicant(s)
Gerald A. Gordon
Philip Felix DeFronzo
Wesley John Horbatuck
As: Norwich Commercial Group, Inc.
38 Security Drive, Avon, CT 06001


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

October 26, 2016 (BK-MBD)
Full Service Branch
Freedom Mortgage Corporation D/B/A CHL Mortgage
400 Rella Boulevard, Suite 165, Office 134, Suffern, NY 10901

October 25, 2016 (BK-MBD)
Full Service Branch
Jet Direct Funding Corp.  D/B/A Jet Direct Mortgage
Senior Reverse Network
189-13 Jamaica Ave, Suite 101, Hollis, NY 11423

October 25, 2016 (BK-MBD)
Full Service Branch
Jet Direct Funding Corp.  D/B/A Jet Direct Mortgage
Senior Reverse Network
1460 East Gun Hill Road, Suite 101, Bronx, NY 10469

October 26, 2016 (BK-MBD)
Full Service Branch
Nationstar Mortgage LLC D/B/A Champion Mortgage Company D/B/A Greenlight Loans
110 Triple Creek Drive, Suite 10, Longview, TX 75601

October 26, 2016 (BK-MBD)
Full Service Branch
Sierra Pacific Mortgage Company, Inc.
6021 University Blvd., Suite 200, Ellicott City, MD 21043

October 21, 2016 (BK-MBD)
Full Service Branch
East Coast Capital Corp.
2901 Long Beach Road, Suite 9 and 10, Oceanside, NY 11572

October 26, 2016 (BK-MBD)
Full Service Branch
Prospect Mortgage, LLC D/B/A CapWest Mortgage
2711 Transit Road, Suite 123, Elma, NY 14059

October 25, 2016 (BK-MBD)
Full Service Branch
American Advisors Group, Inc.
3800 W Chapman Ave, Suite 600, Orange, CA 92868

October 26, 2016 (BK-MBD)
Full Service Branch
Freedom Mortgage Corporation D/B/A CHL Mortgage
7595 Irvine Center Drive, Suite #130, Irvine, CA 92618


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

October 26, 2016 (BR-MBD)
Full Service Branch
A.S.A.P. Mortgage Corp.
125 Grand Street, Croton-on-Hudson, NY 10520


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

April 19, 2016

1440561

John G Gobran

Staten Island

New York

April 22, 2016

235916

Mary Beth Uebrick

Middle Grove

New York

August 25, 2016

661348

Johanna Estrella

White Plains

New York

August 25, 2016

856707

Daniel Evers Johnson

University Heights

Ohio

September 6, 2016

1495208

Maria Catherine Ricci

Bronx

New York

September 6, 2016

158538

Donald Albert Lucas

Frisco

Texas

September 13, 2016

1507611

Ryan Thomas Way

Marlton

New Jersey

September 15, 2016

1513488

Ericka Garcia-Gomez

Chula Vista

California

September 15, 2016

1507617

Daniel Rubinshteyn

Philadelphia

Pennsylvania

September 16, 2016

69005

Courtney James Trembone

Brooklyn

New York

September 19, 2016

404028

Deborah Jane Anastasiou

West Islip

New York

September 20, 2016

874364

Tammy Ann Clark

Buffalo

New York

September 20, 2016

1516063

Zachary Ryan Salsbury

Schaumburg

Illinois

September 21, 2016

390347

Juan Camilo Reyes

Ozone Park

New York

September 30, 2016

1477335

Jason Zarabi

Great Neck

New York

October 3, 2016

947278

Codi D Merritt

Hackettstown

New Jersey

October 4, 2016

1534178

Emmanuel Etiobhio

Garland

Texas

October 4, 2016

621605

Sridav Shrestha

McKinney

Texas

October 4, 2016

1511099

Vanessa Michelle Velez

Maple Shade

New Jersey

October 5, 2016

1541256

Volodymyr Kyrychuk

Brooklyn

New York

October 5, 2016

511218

Eric Randall Johnsen

Imperial

Pennsylvania

October 5, 2016

179520

Donna Marie Francavilla

Melville

New York

October 11, 2016

12494

Nicholson John Minardi

Midland

Michigan

October 11, 2016

1464578

Austin Daniel Kammerich

Columbia

Missouri

October 11, 2016

1520684

Latisha Yvette Velez

Cherry Hill

New Jersey

October 13, 2016

1414999

Brian Wray McFarlain

Magnolia

Texas

October 13, 2016

27553

James Michael Petrone

Wixom

Michigan

October 13, 2016

825724

Samantha Christine Chambers

Southfield

Michigan

October 13, 2016

1262935

Corey Robert Pound

Scottsdale

Arizona

October 13, 2016

1332734

Ali Issam Berry

Dearborn

Michigan

October 13, 2016

1409520

Corey Michael Knox

Clinton Township

Michigan

October 13, 2016

1399324

Emerald Faye Garth

Detroit

Michigan

October 13, 2016

1510114

Jacob Ronald Eaton

Farmington Hills

Michigan

October 13, 2016

1509574

Bernard Tabanji

Parma

Ohio

October 14, 2016

1261734

Virgil Lee Harrington

Redford

Michigan

October 14, 2016

1367064

Chelsea Nicole Germano

Birmingham

Michigan

October 14, 2016

1510117

Damon Jamal Eldridge

Oak Park

Michigan

October 14, 2016

1273492

Stevens Russell Mills

Lake Orion

Michigan

October 15, 2016

404682

Cindy Salem

Brooklyn

New York

October 16, 2016

1510268

Wesley Brian Holliday

Washington

Michigan

October 16, 2016

1510235

Rami S. Hannosh

West Bloomfield

Michigan

October 16, 2016

1510152

Matthew Martin Ferschneider

Harrison Township

Michigan

October 16, 2016

1510345

Evan Patrick Lance

Waterford

Michigan

October 16, 2016

1510245

Randy Joseph Dauoud-Hannosh

West Bloomfield

Michigan

October 16, 2016

1510259

Belal A. Harb

Dearborn

Michigan

October 16, 2016

1510188

Serge Orian Freeman

Detroit

Michigan

October 16, 2016

1228460

Makisha Marina Moore

Detroit

Michigan

October 16, 2016

1460655

Austin Leslie Pernia

Detroit

Michigan

October 16, 2016

21067

Richard Aaron Sliwinski

Ypsilanti

Michigan

October 16, 2016

1194970

Brandon John Hale

Trenton

Michigan

October 16, 2016

1510926

John Michael Brown

Detroit

Michigan

October 17, 2016

6423

Megan Elizabeth Wells

Shamong

New Jersey

October 17, 2016

1247528

Dustin Douglas Bowyer

St. Clair Shores

Michigan

October 17, 2016

1409019

Cenetra Raenel Brown-Nunn

Clinton Township

Michigan

October 17, 2016

1489699

Lyle Edward Sarden

Huntingdon Valley

Pennsylvania

October 17, 2016

1510312

Dewayne Joseph Kassab

West Bloomfield

Michigan

October 17, 2016

1510305

Samantha Jo Miles Jones

Ann Arbor

Michigan

October 17, 2016

1273405

Tiffany Lugene Espie

Warren

Michigan

October 17, 2016

1510158

Charles Trevor Feurig

Troy

Michigan

October 17, 2016

1510122

Robbie Ghassan El-khalil

Dearborn Heights

Michigan

October 17, 2016

1510464

Randolph Mark Schreiner

Lake Orion

Michigan

October 17, 2016

1510336

Matthew Lee Kleinknecht

Redford

Michigan

October 17, 2016

1428524

Alice Wong

E. Setauket

New York

October 17, 2016

1532711

Michael Alexander Simmons

New Brunswick

New Jersey


SECTION II

September 30, 2016 (LL-LFS)
SANTANDER CONSUMER USA INC. D/B/A SANTANDER AUTO FINANCE D/B/A DRIVE FINANCIAL D/B/A ROADLOANS D/B/A CHRYSLER CAPITAL
1601 Elm Street – Suite 800, Dallas, TX 75201

Application approved for a branch license to engage in business as a licensed lender company at the following location:

1550 W. Southern Avenue, Mesa, Arizona 85202


October 14, 2016 (SF-LFS)
BYRIDER CNAC NY, LLC 
12802 Hamilton Crossing Blvd., Carmel, IN 46032

License to engage in business as a sales finance company was surrendered.


October 18, 2016 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N THE CHECK CASHING PLACE U/A/N CFSC U/A/N COMMUNITY FINANCIAL SERVICE CENTER
560 Sylvan Avenue, Englewood Cliffs, New Jersey, 07632

Effective October 18, 2016, license to engage in business as casher of checks for the branch located at 4459 Broadway, New York, NY 10040 was surrendered.


October 19, 2016 (sb-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

Authorization granting permission to open and occupy a branch office at 744 Bloomfield Avenue, West Caldwell, Essex County, NJ 07006, surrendered for cancellation.

Office discontinued as of October 14, 2016.


October 21, 2016 (CC-LFS)
257 SHERIDAN BLVD. CORP. D/B/A INWOOD SERVICES, U/A/N BALDWIN EXPRESS
1747 Grand Avenue, Baldwin, NY 11510

Effective October 21, 2016, license to engage in business as casher of checks for the limited station located at Hair Vanities, LLC, 6631 Otto Road, Glendale, New York 11385 was surrendered.


October 26, 2016 (TR-CRB)
BANCO POPULAR NORTH AMERICA
11 West 51st Street, New York, NY 10019

Bulletin item dated January 25, 2016, advising of the authorization issued to change the location of branch office from 13490 NW 7th Avenue, North Miami, Miami-Dade County, FL 33168 to 13705 Biscayne Boulevard, North Miami, Miami-Dade County, FL 33181, on or after January 26, 2016, is amended to read as follows:

Authorization issued to change the location of branch office from 13490 NW 7th Avenue, North Miami, Miami-Dade County, FL 33168 to 13715 Biscayne Boulevard, North Miami, Miami-Dade County, FL 33181, on or after January 26, 2016.


October 26, 2016 (BK-FWB)
MIZUHO BANK (USA)
1251 Avenue of the Americas, New York, NY 10020

Notification received, in accordance with Supervisory Policy G 8, of the relocation of a representative office from 201 Mission Street, 12th Floor, San Francisco, San Francisco County, California 94105 to 235 Pine Street, San Francisco, San Francisco County, California 94104, on or about November 15, 2016.


October 26, 2016 (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 115 Baltimore Street, Cumberland, Allegany County, Maryland 21502.


October 26, 2016 (TR-CRB)
BANCO POPULAR NORTH AMERICA
11 West 51st Street, New York, NY 10019

Approval given to change the location of branch office from 441 Second Avenue (25th St.), Borough of Manhattan, City of New York, New York 10010 to 43 West 14th Street, Borough of Manhattan, City of New York 10011.


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

September 28, 2016 (BK-MBD)
Full Service Branch
Universal American Mortgage Company, LLC D/B/A Eagle Home Mortgage
230 Half Mile Road, Suite 101, Red Bank, NJ 07701

September 28, 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


Mortgage Banker License Address Changes:

October 26, 2016 (BK-MBD)
Embrace Home Loans, Inc.
From: 25 Enterprise Center, Newport, RI 02842
To: 25 Enterprise Center, Middletown, RI 02842-5201


The following registered Mortgage Broker has entered into a Settlement Agreement with the Department, in lieu of a hearing for a fine or revocation of its mortgage broker registration to settle violations of Section 38.2(d) of the General Regulations of the Superintendent (“GRS”) for failure to place the requisite statement in advertisements; Section 38.7(a)(1) of the GRS for unauthorized usage of FHA; Section 410.7(a) of the Superintendent’s Regulations (“SR”) for failure to keep proper records; Section 410.7(a)(4)(v) of SR for failure to maintain source of applications; Section 591-a(2) of the Banking Law (“BL”) for utilization of unauthorized domain names; and Section 595-a(2)(a) of BL for utilization of an unauthorized name.  The Settlement Agreement terms and conditions include a fine of $10,000.

October 12, 2016
MNS Mortgage LLC In Lieu of True Name Mortgage Network Solutions, LLC
2036 Foulk Road, Suite 102, Wilmington, DE 19810


The following licensed Mortgage Banker has entered into a Settlement Agreement with the Department, in lieu of a hearing for a fine or revocation of its mortgage banker license to settle violations of Section 591(3) of the New York Banking Law for utilizing domain names prior to receiving authorization from the Department.  The Settlement Agreement terms and conditions include a fine of $5,000.

October 12, 2016
United Mortgage Corp.  UAN NY Finest Funding
25 Melville Park Road, Suite 100, Melville, NY 11747


The following Licensed Mortgage Loan Originator (“MLO”) has entered into a Settlement Agreement with the Department, in lieu of a hearing for a fine or revocation of his New York MLO license to settle violations of Sections 420.20(a)(3) and 420.20(a)(4) of the Superintendent’s Regulations for misrepresentation of his license status as a mortgage banker or mortgage broker.  The Settlement Agreement terms and conditions include a fine of $7,500.

October 4, 2016 (MLO-MBD)
Kevin Fitzpatrick
Mortgage Loan Originator


The following Licensed Mortgage Loan Originator (“MLO”) has entered into a Settlement Agreement with the Department, in lieu of a hearing for a fine or revocation of his New York MLO license to settle a violation of Section 420.20(a)(4) of the Superintendent’s Regulations for misrepresentation of his license status as a mortgage banker or mortgage broker.  The Settlement Agreement terms and conditions include a fine of $5,000. 

October 3, 2016 (MLO-MBD)
Joseph F. Schlageter
Mortgage Loan Originator


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

January 21, 2015

680400

David Lee Raycraft

Liverpool

New York

Commonfund Mortgage Corp.

January 23, 2015

27700

Jonathon Todd Betcher

Washington

Michigan

Quicken Loans Inc.

February 4, 2015

694679

Michele Elizabeth Dimino Corvino

Chandler

Arizona

Quicken Loans Inc.

February 4, 2015

247295

Scott Bradley Schaller

Royal Oak

Michigan

Quicken Loans Inc.

February 4, 2015

582557

David Eugene Smiley

Richmond

Virginia

Live Well Financial, Inc.

February 4, 2015

1127379

Alecia Anne Herron

Columbia

Missouri

Mortgage Research Center, LLC

February 4, 2015

1228646

Christopher Anthony Tortorella

Wantagh

New York

Franklin First Financial, Ltd.

February 4, 2015

1228704

Kyle Michael Esparza

Clinton Township

Michigan

Quicken Loans Inc.

February 4, 2015

1177914

Devin Nicole Wallis

Ferndale

Michigan

Quicken Loans Inc.

February 4, 2015

1088040

Sean Dwyer

Glen Cove

New York

The Money Source Inc.

February 4, 2015

205140

Jorge E Parra

Union

New Jersey

MLB Residential Lending, LLC

February 17, 2015

1130624

Jordan Foster Connell

Richmond

Virginia

Live Well Financial, Inc.

March 3, 2015

28220

DonnaMarie Cupples

Downingtown

Pennsylvania

Freedom Mortgage Corporation

March 3, 2015

1127968

Lisa Ann Metheny

Orange

California

CUW Solutions, LLC

March 4, 2015

83565

Brian Matthew Smith

Streetsboro

Ohio

Reliance First Capital, LLC

March 10, 2015

129575

James Treacy Cory

San Diego

California

Live Well Financial, Inc.

June 26, 2015

1149830

Kaitlin Ann Vandervegt

Grosse Pointe Woods

Michigan

Quicken Loans Inc.

July 31, 2015

1194822

Sarah Yung Friedrich

Peoria

Arizona

Quicken Loans Inc.

February 8, 2016

1179526

Leonardo Tolentino

Douglaston

New York

Caliber Home Loans, Inc.

March 7, 2016

1392603

Nicholas A Baratto

Saratoga Springs

New York

SEFCU Services, LLC


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

October 14, 2016

1411132

Mohammed Ibrahim Chami

Dearborn

Michigan

October 14, 2016

1333761

Sean Daniel O'Guinn

Grand Blanc

Michigan

October 14, 2016

1332762

Steven Bradley Diadiun

Milford

Michigan

October 14, 2016

1387359

Rashaun James Lowery

Madison Heights

Michigan

October 14, 2016

1382969

Erin Bannon

Indianapolis

Indiana

October 14, 2016

1399322

Skylar Lauren Garfield

Detroit

Michigan

October 14, 2016

1217237

Christopher Allen Shoop

Mechanicsville

Virginia

October 14, 2016

1282197

Alexander Frederick Trotter

Wickliffe

Ohio

October 14, 2016

1312087

Adam James Kody

Lakewood

Ohio

October 14, 2016

58700

Matthew Lee Garland

rosedale

New York

October 14, 2016

1455593

Benjamin Laird Michaux

Monaca

Pennsylvania

October 14, 2016

1456444

Jason Albert Hart

St. Augustine

Florida

October 14, 2016

782051

Richard Lee Murray

Fort Worth

Texas

October 14, 2016

1491496

Jorge Luis Apodaca Garcia

Anaheim

California

October 14, 2016

751658

Sarah Jean Lingenfelter

Dearborn

Michigan

October 14, 2016

67113

Charles John Bucciarelli

Rochester

New York

October 24, 2016

1203718

Lizeth Garzon

Jacksonville

Florida

October 24, 2016

648976

Jeffrey Russell Phall Newton

Nashville

Tennessee

October 24, 2016

66005

James Torrence

Indianapolis

Indiana

October 24, 2016

1448858

Justin Charles Cook

Indianapolis

Indiana

 

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