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New York State Department of Financial Services

Weekly Banking Bulletin

December 23, 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

November 21, 2016 (TM-LFS)
WORLD FIRST USA, INC.
251 18th Street, Suite 550, Arlington, VA 22202

Notification received for a change of headquarters location from 251 18th Street, Suite 550, Arlington, VA 22202 to 211 East 7th Street, Suite 700, Austin, TX 78701

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


December 19, 2016 (TR-CRB)
ORANGE BANK & TRUST COMPANY
212 Dolson Avenue, Middletown, NY 10940

Application dated December 8, 2016 for permission to open and occupy a branch office at 510 South Columbus Avenue, Mount Vernon, County of Westchester, New York 10550, received.


December 19, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated December 19, 2016, for permission to open and occupy a branch office at 2460 Grand Concourse, Borough of Bronx, City of New York 10458, received.


December 20, 2016 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, New York 10005

Application, pursuant to Section 162 of the Banking Law, to increase permanent capital from $500 million to $540 million, received.


December 21, 2016 (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 Lawrence C. Tucker and Jared S. Keyes from General Partners to Class 2 Limited Partners.)


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

December 21, 2016 (BR-MBD)
Applicant(s)
Kanwal Nain Singh
Star Home Inc.
104-12 111th Street, 2nd fl - LS, South Richmond Hill, NY 11419

December 20, 2016 (BR-MBD)
Applicant(s)
Khosrow D. Ghazi
Empire Residential Solutions Inc.
80 Orville Drive #137, Bohemia, NY 11716


Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for control interest:

December 21, 2016 (BK-MBD)
Applicant(s)
Travis Mortgage Holding, LLC
To acquire interest in:
Envoy Mortgage, Ltd.
5100 Westheimer Road, Suite 320, Houston, TX 77056


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

September 29, 2016

1107520

Adam Calvin Bennett

Sayre

Pennsylvania

October 11, 2016

7691

Don Anthony Currie

San Juan Capistrano

California

October 12, 2016

1474967

Ryan Thomas Janke

Pittsburgh

Pennsylvania

October 13, 2016

1510123

Rennas Yako Esho

Clinton Township

Michigan

October 17, 2016

31039

Paul Dennis

Irvine

California

October 31, 2016

954708

Zachary Michael Luppes

San Diego

California

October 31, 2016

1160841

Jacqueline Arlene Mesias Ramirez

Naperville

Illinois

November 1, 2016

1116043

Robert Francisco Benitez

Staten island

New York

November 9, 2016

1501186

Elena Carmela Catania

Santa Rosa

California

November 9, 2016

1561435

Alexander Salcedo

Brentwood

New York

November 11, 2016

1027411

Hamed Zareei

Irvine

California

November 15, 2016

1549950

Sarah Diann Panetta

Clark

New Jersey

November 16, 2016

1532574

Francis Michael Ranzino

Sewell

New Jersey

November 16, 2016

1492271

Darlene Anne Sciulli

South Park

Pennsylvania

November 16, 2016

1025952

Michael David O'Brien

Beaver

Pennsylvania

November 16, 2016

1407568

Simy Wieder

Spring Valley

New York

November 16, 2016

6422

Stephen Mellis

Massapequa

New York

November 18, 2016

253283

David Hill Richards

Sandy

Utah

November 27, 2016

1451550

Michael Joseph Sottosanti

Staten Island

New York

November 30, 2016

1549532

Jeremy Michael Haynes

Indianapolis

Indiana

December 1, 2016

1551141

Brent Joseph Haynes

Richmond

Indiana

December 5, 2016

1537190

Kameron Douglas Logan

North Vernon

Indiana

December 6, 2016

1492269

Alyssa Jane Archer

McDonald

Pennsylvania

December 7, 2016

1558636

Shajit Singh Kohli

Carmel

Indiana

December 8, 2016

1474791

Michael Anthony Ortiz

East Haven

Connecticut

December 8, 2016

1537669

Sydney Ada Kearns

Berkley

Michigan

December 9, 2016

172940

Robert Clyde Parsons

Cinnaminson

New Jersey

December 9, 2016

729632

Peter F Holsinger

Sound Beach

New York

December 9, 2016

140801

Donald Joseph Chmela

Melville

New York

December 12, 2016

1510230

Matthew Kong-Mong Hang

Fraser

Michigan

December 12, 2016

1537664

Jamar Markell Jackson

Clinton Township

Michigan

December 12, 2016

1537622

Trevor Joseph Hill

Detroit

Michigan

December 14, 2016

1537469

Terry Lamar Blake

Flint

Michigan

December 14, 2016

1222464

Scott O'Dell Johnson

Peoria

Arizona



SECTION II

December 2, 2016, (BP-LFS)
GARDEN STATE CONSUMER CREDIT COUNSELING, INC.
200 U.S. Highway 9, Manalapan, NJ 07726

Branch License to engage in business as a budget planner at Forest Hills Tower, 118-35 Queens Boulevard, Suite 400, Forest Hills, New York 11375 was surrendered.


December 15, 2016 (FR-FWB)
ING BANK N.V.
Amstelveenseweg 500, 1081 KL Amsterdam, The Netherlands

The Department interposes no-objection to the notification, pursuant to Section 221-e of the Banking Law, of the relocation of the representative office from 1325 Avenue of the Americas, Borough of Manhattan, City of New York 10019 to 1133 Avenue of the Americas, Borough of Manhattan, City of New York 10036.


December 16, 2016 (MI-CRB)
FIFTH THIRD BANK
38 Fountain Square Plaza, Cincinnati, OH 45263

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 1870 Whitehaven Road, Grand Island, Erie County, New York 14072.


December 16, 2016 (MI-CRB)
UBS BANK USA
299 Main Street, Salt Lake City, Utah 84111

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 200 Park Avenue, Borough of Manhattan, City of New York 10166.


December 16, 2016 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203

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 255 East Avenue, Rochester, Monroe County, New York 14604, will not result in a significant reduction of banking services in the community to be affected.


December 16, 2016 (TR-CRB)
AMALGAMATED BANK
275 Seventh Avenue, New York 10001

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 564 West 125th Street, Borough of Manhattan, City of New York 10027, will not result in a significant reduction of banking services in the community to be affected.


December 20, 2016 (FB-FWB)
NORDEA BANK AB (PUBL)
Hamngatan 10, Stockholm, Sweden

License issued to establish and maintain a branch at 1211 Avenue of the Americas, Borough of Manhattan, City of New York 10036.


December 21, 2016 (TR-CM)
FIDUCIARY TRUST COMPANY INTERNATIONAL
280 Park Avenue, New York, NY 10017

Applicant notified by the Superintendent of Financial Services that pursuant to the provisions of Section 105-b of the Banking Law, no objection will be interposed to the establishment of a trust office at 3033 Wilson Blvd., Suite 700, Arlington, Virginia 22201.


December 23, 2016 (CC– LFS)
CONEY ISLAND PAYROLL SERVICES, INC.
1122 Coney Island Avenue, Brooklyn, NY 11230

A license was issued to change the location of doing business as a licensed casher of checks to 249 West 29th Street, New York, NY 10001 from 245 West 29th Street, New York, NY 10001.

In connection with the above license issuance, the original check casher license at 245 West 29th Street, New York, NY 10001 was surrendered.


December 23, 2016 (CC–LFS)
NYC CREDIT AND FUNDING, INC.
80-11 164th Street, Jamaica, Queens, New York 11432

Application for a change of control of NYC Credit & Funding, Inc., filed by Cristina Jara was approved effective December 16, 2016.


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

December 16, 2016 (BK-MBD)
Primary Capital Mortgage, LLC D/B/A PCMDirect
1000 Parkwood Circle, Suite 600, Atlanta, GA 30339


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

December 20, 2016 (BK-MBD)
Full Service Branch
Homestead Funding Corp.
395 Main Street, Suite 101, Oneonta, NY 13820


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

December 20, 2016 (BR-MBD)
Full Service Branch
The Everest Equity Company, Inc.
2 Executive Boulevard, Suite 301, Suffern, NY 10901


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

December 21, 2016 (BK-MBD)
Industrial Credit of Canada, LTD D/B/A ICC Mortgage Services
1600 Stewart Avenue, Suite 404, Westbury, NY 11590
Effective Date: October 25, 2016

December 21, 2016 (BK-MBD)
Secure Lending Solutions, Inc.
266 Harristown Road, Suite #304, Glen Rock, NJ 07452-3321
Effective Date: November 7, 2016


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

December 21, 2016 (BK-MBD)
Full Service Branch
Secure Lending Solutions, Inc.
195 Route 46 West, Suite 7, Totowa, NJ 07512
Effective Date: November 7, 2016


Mortgage Banker License Address Changes:

December 20, 2016 (BK-MBD)
Atlantic Home Loans, Inc.
From: 20 Chapin Road, Unit 1013A, Box #2006, Pine Brook, NJ 07058
To: 50 Route 46 West, Suite #202, Parsippany, NJ 07054-2395


Mortgage Broker Certificate Address Changes:

December 19, 2016 (BR-MBD)
Harlequin Capital Corp.
From: 800 Veterans Memorial Highway, Suite 120, Hauppauge, NY 11788
To: 84 Nesconset Highway, Port Jefferson Station, NY 11776-2627

December 19, 2016 (BR-MBD)
Patriot Equities, Inc.
From: 1975 Linden Blvd., Suite 109, Elmont, NY 11003
To: 1975 Linden Boulevard, Suite #LL-1, Elmont, NY 11003-4025


Mortgage Banker Branch License Address Changes:

December 19, 2016 (BK-MBD)
Meadowbrook Financial Mortgage Bankers
From: 28-13 23rd Avenue, Suite #202, Astoria, NY 11105
To: 412 North Main Street, Suite #201, Monroe, NY 10950


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

Applicant Name

City

State

December 9, 2016

1520701

Jennifer Marie West-Sanderson

Maple Shade

New Jersey

December 9, 2016

1520689

Michael Patrick McDevitt

Abington

Pennsylvania

December 12, 2016

147351

James Jerome Sibel

Philadelphia

Pennsylvania

December 14, 2016

1396228

Nelson Saul Orellana

Brea

California

December 14, 2016

162271

Rodney Derwin Rogers

Desoto

Texas

December 14, 2016

13819

Kenneth Nicholas Tumsuden

East Northport

New York

December 14, 2016

54856

Seth M McKenna

Merrick

New York

December 16, 2016

1420765

Marcail Nicole Smith

Columbia

Missouri

December 16, 2016

1376133

Scott Ross Gwin

Waterford

Michigan

December 16, 2016

209966

York William Moore

Palm Bay

Florida

December 16, 2016

916152

Kenneth Keating

Doylestown

Pennsylvania

December 16, 2016

389114

Steven Shinobi Reach

Long Beach

California

December 16, 2016

1169789

Sean Thomas Morley

Blackwood

New Jersey

December 20, 2016

1367253

Robert Andrew Murphy

Southgate

Michigan

December 20, 2016

860842

Russell Perry Cross

Jacksonville

Florida

December 20, 2016

530262

Patricia R Murphy

Bronxville

New York

December 20, 2016

1212031

Brett Richard Lesperance

White Lake

Michigan

December 20, 2016

1493035

Michael Dewey Helton

Columbia

Missouri

December 20, 2016

1237969

Alexandra Louise Duquenne

Cleveland

Ohio

December 20, 2016

901946

Sorin Adrian Burnea

Westland

Michigan

December 20, 2016

1003387

Christian D Moore

Dover

Delaware

December 20, 2016

1428149

Michael Johnathan Readinger

Brooklyn

Ohio



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

Sponsoring Entity

November 23, 2016

1381733

Jolene Anne Kahlor-Harmer

State Farm Bank, F.S.B.

December 8, 2016

1399133

Ali M Charafeddine

Quicken Loans Inc.

December 8, 2016

1247528

Dustin Douglas Bowyer

Quicken Loans Inc.

December 8, 2016

1428145

Jennifer Rose DiPerna

Quicken Loans Inc.

December 9, 2016

1437634

Robert Ellsworth Poe

Quicken Loans Inc.

December 16, 2016

1428115

Kelsey Alexis Mckoy

Quicken Loans Inc.

December 16, 2016

1273405

Tiffany Lugene Espie

Quicken Loans Inc.

December 16, 2016

1510122

Robbie Ghassan El-khalil

Quicken Loans Inc.

December 16, 2016

1409019

Cenetra Raenel Brown-Nunn

Quicken Loans Inc.

December 16, 2016

1409368

Roberto Manuel Flores

Quicken Loans Inc.

December 16, 2016

1011829

Timario Mehmeti

Quicken Loans Inc.

December 16, 2016

1460510

Matthew Scott Pullara

Quicken Loans Inc.

December 16, 2016

1428524

Alice Wong

Embrace Home Loans, Inc.

December 16, 2016

151016

Julie Ann Dietterich

Keystone Funding Inc.

December 16, 2016

1463421

Raymond Cioffi Romano

Freedom Mortgage Corporation

December 16, 2016

1312511

Joshua David Kaplan

Mortgage Research Center, LLC

December 16, 2016

1212105

Joseph Fredrick Tacoma

Quicken Loans Inc.

December 16, 2016

1247902

Paul Joseph Krajenke

Quicken Loans Inc.

December 16, 2016

1497521

Gregory Brian Sage

Quicken Loans Inc.

December 16, 2016

1273492

Stevens Russell Mills

Quicken Loans Inc.

December 16, 2016

579846

David T Weber

1st Priority Mortgage, Inc.

December 16, 2016

43972

Pinchas Sholom Bard-Wigdor

Freedom Mortgage Corporation

December 16, 2016

40864

Bryan J Campo

Guaranteed Rate, Inc.

December 16, 2016

920155

Michael Francis Poldruhi

CrossCountry Mortgage, Inc.

December 16, 2016

511218

Eric Randall Johnsen

Reliance First Capital, LLC

December 16, 2016

60363

Adam Copland

J.M. Capital Group LLC

December 16, 2016

1431234

Jared Michael Umstead

Freedom Mortgage Corporation

December 16, 2016

1465202

Joseph Patrick Montana

New Penn Financial, LLC

December 16, 2016

697202

Randall Charles Oestreich

Freedom Mortgage Corporation

December 16, 2016

1076667

Kelly Rose Gibbons

Quicken Loans Inc.

December 16, 2016

1409275

Christopher Thomas Simonetti

Quicken Loans Inc.

December 16, 2016

930532

Monica Alicia Guardado

Nationstar Mortgage LLC

December 16, 2016

1366692

Ahmed Chaouki Abdulhadi

Quicken Loans Inc.

December 16, 2016

167326

Leandro Firpo

Copiague Funding Corp.

December 16, 2016

977118

Nathan Michael Conklin

Carrington Mortgage Services, LLC

December 16, 2016

1509930

Daniel Francis Condren

Freedom Mortgage Corporation

December 16, 2016

856067

Chad J Dupray

Neighborhood Assistance Corporation of America

December 16, 2016

1273465

Shant Razmig Kendirdjian

Quicken Loans Inc.

December 16, 2016

859176

Kevin Matthew Loutzenhiser

PHH Mortgage Corporation

December 16, 2016

1451439

Britany Luth

Urban Financial of America, LLC

December 16, 2016

63224

Jason Robert Vollers

Movement Mortgage, LLC

December 16, 2016

884210

Ying Chen

Prospect Mortgage, LLC

December 16, 2016

1497109

Brandon Moran

Associated Mortgage Bankers, Inc.

December 16, 2016

832413

Claire Alexis Padgett

Freedom Mortgage Corporation

December 16, 2016

1526519

Meghan Marie Blaine

Mortgage Research Center, LLC

December 16, 2016

790848

Robert Richter

Cardinal Financial Company, LP

December 16, 2016

617335

Thomas Lee Chaney

Altisource Fulfillment Operations, Inc.

December 16, 2016

843189

Mary Roccaro

Allied Mortgage Group, Inc.

December 16, 2016

1124786

Jeremy Glen Wilder

Mortgage Research Center, LLC

December 16, 2016

185972

Edward Polizzotto

Americana Mortgage Group, Inc.

December 16, 2016

648980

Adrienne Rae Richardson

PHH Mortgage Corporation

December 16, 2016

733260

Keith Alexander Livingstone

American Advisors Group, Inc.

December 16, 2016

246942

Kevin Jason Barba

American Advisors Group, Inc.

December 16, 2016

1222495

Chase Daniel Kinder

Home Point Financial Corporation

December 16, 2016

410226

Theresa G Davis

Prospect Mortgage, LLC

December 16, 2016

1497520

Alicia Denee Rittenger

Quicken Loans Inc.

December 16, 2016

1409380

Michael Vagelis Georgizas

Quicken Loans Inc.

December 16, 2016

1473272

Areeya Grossman Foose

Quicken Loans Inc.

December 16, 2016

1237839

Justin Brian Watson

Quicken Loans Inc.

December 16, 2016

131952

Megan Jean Catlin

Carrington Mortgage Services, LLC

December 16, 2016

1408751

Jacob Miers Brickert

Quicken Loans Inc.

December 16, 2016

1528170

Jessica M Madr

Franklin First Financial, Ltd.

December 16, 2016

133533

Kimberly Sue Montgomery

Reliance First Capital, LLC

December 16, 2016

1532711

Michael Alexander Simmons

Caliber Home Loans, Inc.

December 16, 2016

1513488

Ericka Garcia-Gomez

Freedom Mortgage Corporation

December 16, 2016

1499866

Christopher Michael Affinito

Total Mortgage Services, LLC

December 16, 2016

1399439

Matyous Ala Imsaiah

Quicken Loans Inc.

December 16, 2016

1509922

Wyatt James Michel

Freedom Mortgage Corporation

December 16, 2016

1398888

Brianne Lynn Asaro

Quicken Loans Inc.

December 16, 2016

382035

Jennifer Fern Smith

SoFi Lending Corp.

December 16, 2016

1471955

Lorenzo St Michael Fray

Freedom Mortgage Corporation

December 16, 2016

1023678

Tyler Harrison Moreland

Quicken Loans Inc.

December 16, 2016

1081038

Kenneth Horace Brooks

Quicken Loans Inc.

December 16, 2016

1461088

Bilal Ibrahim Dakroub

Quicken Loans Inc.

December 16, 2016

1425574

Jacob Devon Sahlhoff

Freedom Mortgage Corporation

December 16, 2016

1460562

Salmaan Ashfaq Toor

Quicken Loans Inc.

December 16, 2016

880621

Justin David Walsh

Quicken Loans Inc.

December 16, 2016

1331870

Aaron William Cagle

Quicken Loans Inc.

December 16, 2016

887534

Recarter Arthur Harper

Finance of America Reverse LLC

December 16, 2016

1367242

Brandon Mansour

Quicken Loans Inc.

December 16, 2016

1474542

Thomas Joseph Cuozzo

American Advisors Group, Inc.

December 16, 2016

1054241

Mark Daniel Holden

loanDepot.com, LLC

December 16, 2016

1273426

Brecca Elaine Hazen

Quicken Loans Inc.

December 16, 2016

1247817

Travis Robert Houghton

Quicken Loans Inc.

December 16, 2016

1499842

Eric Dong

Prospect Mortgage, LLC

December 16, 2016

1418980

Conor Douglas Reaume

Quicken Loans Inc.

December 16, 2016

1164791

Frances A. Libretto-Ward

Prospect Mortgage, LLC

December 16, 2016

964572

Aaron Nathan Ziegler

Quicken Loans Inc.

December 16, 2016

1415650

Andrew Kenneth Bowman

Royal United Mortgage, LLC

December 16, 2016

1003983

Donald W Staley

PHH Home Loans, LLC

December 16, 2016

1497613

Julius Edward Yaldo

Quicken Loans Inc.

December 16, 2016

1013569

JP Fawthrop

PHH Mortgage Corporation

December 16, 2016

670263

Darren Albert Goldsmith

Quicken Loans Inc.

December 16, 2016

445818

William Ming Lai Ma

WEI Mortgage Corporation

December 20, 2016

1143025

Heidi McKinley Majors

Primary Capital Mortgage, LLC D/B/A PCMDirect

December 20, 2016

121550

Kerry Michael Herschlein

United Mortgage Corp.

December 20, 2016

1455802

Robert Christopher Mokienko

PHH Mortgage Corporation

December 20, 2016

1406418

Tracey Robin Segal

United Mortgage Corp.

 

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