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New York State Department of Financial Services

Weekly Banking Bulletin

November 3, 2017

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

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
CEU Consumer Examination Unit
FWBForeign and Wholesale Banks
LFSLicensed Financial Services
MBDMortgage Banking

SECTION I

October 27, 2017 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish an electronic facility (automated teller machine) at Oishei Children's Hospital, 818 Ellicott Street, Buffalo, Erie County, NY 14203, received.

October 27, 2017 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Monticello, NY 12701

Notice of intention to close branch office at 157 Stockade Drive, Kingston, Ulster County, New York 12401, received.

The comment period on this notice will expire December 4, 2017.

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

November 1, 2017 (BK-MBD)
Applicant(s)
Adventity Inc.
Dilip Ramachandran Vellodi
James Coulter
John Howard Lotterhos
Krishnan Swaminathan
Marcia Kimberly Hoffman
Scott Allan Slifer
Sutherland Global Holdings, Inc.
Sutherland Global Services Inc.
TPG SF VI Pte., Ltd
TPG VI SF AIV, LP
As: Sutherland Mortgage Services, Inc.
5959 Corporate Drive, Suite 3000, Houston, TX 77036

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

October 26, 2017 (BK-MBD)
Full Service Branch
Allied Mortgage Group, Inc.
164-19 Hillside Avenue, Jamaica Hills, NY 11432

October 26, 2017 (BK-MBD)
Full Service Branch
Guaranteed Rate, Inc.
2 Carlson Parkway, Suite 355, Plymouth, MN 55447

October 30, 2017 (BK-MBD)
Full Service Branch
Hartford Funding, LTD
4050 Skyron Drive, Suite A3, Doylestown, PA 18902

November 1, 2017 (BK-MBD)
Full Service Branch
Syracuse Securities, Inc.
132 Albany Street, Suite U-3, Cazenovia, NY 13035

November 1, 2017 (BK-MBD)
Full Service Branch
loanDepot.com, LLC D/B/A LDWholesale
loanDepot
2374-2380 Ralph Avenue, #2380A, Brooklyn, NY 11234

November 1, 2017 (BK-MBD)
Full Service Branch
Parkside Lending, LLC
17197 N. Laurel Park Drive, Suite 250, Livonia, MI 48152

November 1, 2017 (BK-MBD)
Full Service Branch
NJ Lenders Corp.
23 West Montauk Hwy., Storefront, 1st Floor, Hampton Bays, NY 11946

November 1, 2017 (BK-MBD)
Full Service Branch
Royal United Mortgage, LLC
7 Arley Way, Suite 201, Bluffton, SC 29910

November 1, 2017 (BK-MBD)
Full Service Branch
Movement Mortgage, LLC
41 Madison Avenue, 31st Floor, Suite 3114, New York, NY 10010

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

August 24, 2016

304959

Lamar M. Collins

Brooklyn

New York

May 5, 2017

65790

Joseph Thomas Dougherty

Baldwinsville

New York

May 19, 2017

965251

Freddie Lewis Sharp

Chino Hills

California

August 13, 2017

1626827

Tyler Allen Bormann

Ypsilanti

Michigan

August 17, 2017

138178

Robert Windsor

Fallston

Maryland

August 17, 2017

8012

Samuel Vincent Cino

Webster

New York

August 23, 2017

1642052

Gilson Reglas

Philadelphia

Pennsylvania

August 24, 2017

1474682

Daniel Montgomery

Glen Cove

New York

September 6, 2017

369503

Ralph Murciano

Dix Hills

New York

September 7, 2017

1431517

Shane Isaac Roddy

Huntington Beach

California

September 7, 2017

320629

Mark David Michno

Aliso Viejo

California

September 7, 2017

1556627

Lawrence Saint-Ledger Tyson

Lancaster

California

September 7, 2017

1311964

Clifford Kao

Irvine

California

September 15, 2017

68167

Ninoska P. Quinn

Flushing

New York

September 21, 2017

1657398

Herbert Alonso Gil

Ozone Park

New York

September 22, 2017

626307

Jeacqueline L. Melendez

Baldwin

New York

September 26, 2017

184456

Elizabeth Wylie Salas

Anaheim

California

September 26, 2017

238502

Daniel Wayne Roth

Yucaipa

California

September 26, 2017

200115

Scott Edward Massell

Jacksonville

Florida

September 26, 2017

1523137

Kelly Michelle Berry

Tempe

Arizona

September 26, 2017

373520

LaDonna Bene' Smith

Jacksonville

Florida

September 26, 2017

142744

Elizabeth Michelle Rose

Cave Creek

Arizona

September 27, 2017

1542006

A. Frank Sardina

Lancaster

New York

September 28, 2017

1669205

Seth H. Morris

Rockville Centre

New York

September 29, 2017

1025273

Christopher David Peters

Bayville

New Jersey

September 29, 2017

1639351

Corey T. White

Bergenfield

New Jersey

October 3, 2017

929545

Adam R. Fenske

Buffalo

New York

October 4, 2017

1640533

Brandon William Pierce

West Deptford

New Jersey

October 4, 2017

1650304

Nathan Russell Cichowicz

Troy

Michigan

October 5, 2017

1466861

Darnell Antione Gray-Shawver

Detroit

Michigan

October 5, 2017

1650728

Brandon Robert DuBois

Ferndale

Michigan

October 5, 2017

1650581

Hussein Hassan Dakroub

Dearborn

Michigan

October 5, 2017

1650398

Bilal Farhat

Dearborn

Michigan

October 5, 2017

1650182

Keonta Deshaun Howell

Bedford Heights

Ohio

October 5, 2017

1650250

Mohamed Kaid

Dearborn

Michigan

October 5, 2017

1650210

Margaret Rose-Ana Collins

Detroit

Michigan

October 5, 2017

1650332

Annamaria Docea-Silveri Kirkland

Pleasant Ridge

Michigan

October 5, 2017

1639144

Ahmad Kamel Daifi

Dearborn Heights

Michigan

October 5, 2017

1638942

Joseph Charles Tribuzzo

Painesville

Ohio

October 5, 2017

1666140

Heino Gerald Moeller

Nolensville

Tennessee

October 5, 2017

1650401

Noah David Grulke

Wolverine Lake

Michigan

October 5, 2017

1566463

Shiv Jyotin Vyas

Cleveland

Ohio

October 5, 2017

1650239

Milton Howell Frazier

Belleville

Michigan

October 5, 2017

1650101

Lauren Nichole Love

Allen Park

Michigan

October 5, 2017

913806

Nicholas George Destefano

Akron

Ohio

October 5, 2017

1650376

Benjamin Daniel Lamers

Clinton Township

Michigan

October 6, 2017

1670609

Jack Elliot Bourne

Nashville

Tennessee

October 6, 2017

1650839

Colton Tyler Duke

Westland

Michigan

October 6, 2017

1650519

Elena Cupi

Shelby Twp.

Michigan

October 6, 2017

1666142

Michael Ryan Fensterer

Nashville

Tennessee

October 6, 2017

1621192

Waquar Altaf Bawa

Mansfield

Texas

October 6, 2017

1621292

Royia Alexandra Yazdani

Colleyville

Texas

October 6, 2017

1650175

Maxwell Harrison Lepora

Clinton Township

Michigan

October 6, 2017

1651327

Charles D. Dodds

Detroit

Michigan

October 6, 2017

1666132

Tim Rodgers

Fairview

Tennessee

October 9, 2017

1644870

Danny Fernandez

Miller Place

New York

October 9, 2017

1652287

Cameron Dominique Whittaker

Columbia

Missouri

October 9, 2017

871556

Garrett Lee McCargar

Irvine

California

October 9, 2017

1412895

Kevin Vinh Lac

Placentia

California

October 9, 2017

1654336

Brenda Annette Mertz

Columbia

Missouri

October 11, 2017

1662749

Sarah Nichole Farmer

Phoenix

Arizona

October 11, 2017

1662726

Khristopher Robert Golder

Phoenix

Arizona

October 12, 2017

1645323

Andreas Petrou

Lakewood

New Jersey

October 12, 2017

1655898

Rose Anne Yago

Mount Royal

New Jersey

October 12, 2017

24293

Brian Edward Heckler

New Hyde Park

New York

October 13, 2017

1656160

Nieshia Marie Gilmore-Maloney

Mt. Holly

New Jersey

October 13, 2017

1656148

Jelissa Inese Cullers

Levittown

Pennsylvania

October 16, 2017

1670875

Melissa E. Cappelli

Schenectady

New York

October 17, 2017

713714

Stephen Raoul Palffy

Roseville

Michigan

October 19, 2017

1665150

Jennifer Lynn Perez

Columbia

Missouri

October 19, 2017

22068

David Alexander Adamo

Stamford

Connecticut

October 19, 2017

1003473

Minjung Kim Brakeman

Quakertown

Pennsylvania

October 19, 2017

1125286

Salvatore Carlo DeForca

Manorville

New York

SECTION II

September 15, 2017 (TM-LFS)
TRANSFERWISE INC.
19 West 24th Street, 9th Floor, New York, NY

Application filed by TransferWise Inc. to engage in doing business as a transmitter of money company was approved effective September 15, 2017.

October 3, 2017 (SF-LFS)
UMH SALES AND FINANCE, INC.
Unlicensed Headquarters address: 3499 Route 9 North, Suite 3C, Freehold, Monmouth, New Jersey, 07728-3277

Unlicensed headquarters location and branch licenses to engage in business as a sales finance company at the following locations were surrendered.

1. Brookview Village, Route 9N, Lot 135, Greenfield Center, Saratoga, New York 12833-1646
2. Kinnebrook Village, 2025 Route 17B, Monticello, Sullivan, New York 12701-0000
3. Waterfalls Vlge, Lot 141, 3450 Howard Rd, Hamburg, Erie, New York 14075
4. D & R Village, Route 146, RD 13, Clifton Park, Saratoga, New York 12065
5. Woodland Manor Lot 165, 338 CR11, West Monroe, Oswego, New York 13167

October 19, 2017 (TM-LFS)
FNC INSURANCE AGENCY, INC. UNDER THE FICTITIOUS NAME OF FNCIA
14700 Citicorp Drive, Hagerstown, MD 21742

Application to engage in the business of a transmitter of money, pursuant to Article XIII-B of the Banking Law, was approved effective October 19, 2017.

October 27, 2017 (MI-CRB)
KEARNY BANK
614 Kearny Avenue, Kearny, NJ 07032

Authorization issued to open and occupy a branch office at 875 Manhattan Avenue, Borough of Brooklyn, City of New York 11222, on or after October 28, 2017.

October 27, 2017 (SF-LFS)
UNIVERSAL GUARDIAN ACCEPTANCE, LLC
1701 South Belt Highway, St. Joseph, Buchanan County, MO 64507

Applications of change of control received respectively from GCS Holdings, Inc. 16%, Juggernaut Funding Corp. 16%, and ECD Investments, Inc. 9% of the shares of Universal Guardian Acceptance, LLC located at 1701 South Belt Highway, St. Joseph, Buchanan County, MO 64507 was approved effective October 27, 2017.

October 30, 2017 (MI-CRB)
NORTHWEST BANK
100 Liberty Street, Warren, PA 16365

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 4545 Transit Road, Williamsville, Erie County, New York 14221, will not result in a significant reduction of banking services in the community to be affected.

October 30, 2017 (TM-LFS)
UNIVERSAL EXPRESS NY, INC.
1055 Springfield Avenue, Irvington, NJ 07111

License to engage in business as a licensed transmitter of money was surrendered effective September 28, 2017.

November 2, 2017 (PF - LFS)
G.V. FINANCIAL SERVICES, INC.
499-505 Main Street, 2nd Floor, Metuchen, NJ 08840

Rider was issued to reflect the change of location from 25 Commerce Drive, Cranford, NJ 07016 to 499-505 Main Street, 2nd Floor, Metuchen, NJ 08840.

November 3, 2017 (TM-LFS)
CATALINA ACQUISITIONS, LLC
c/o Conrad Management Corp.
1176 Main Street, Suite A, Irvine, CA 92614

Application to acquire 100% of MEMO Financial Services New York, Inc. located at 1029 Mumma Road, Wormleysburg, PA 17043-1118, approved.

November 3, 2017 (TM-LFS)
CATALINA ACQUISITIONS, LLC
c/o Conrad Management Corp.
1176 Main Street, Suite A, Irvine, CA 92614

Application to acquire 100% of Tempo Financial US Corp. d/b/a i- transfer located at 7935 E. Prentice Avenue, Suite 300W, Greenwood Village, CO 80111, approved.

November 3, 2017 (TM-LFS)
GPS CAPITAL MARKETS, INC.
10813 S. River Front Parkway, Suite 400, South Jordan, UT 84095

Application to engage in the business of a transmitter of money, pursuant to Article XIII-B of the Banking Law, approved.

November 3, 2017
CONSOLIDATED CREDIT SOLUTIONS, INC.
5701 W. Sunrise Blvd., Suite 100, Fort Lauderdale, FL 33313

Application filed pursuant to Article 12-C of the Banking Law to conduct business as a budget planner is approved.

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

October 31, 2017 (BK-MBD)
CitiFinancial Company U/F/N CitiFinancial Company (DE)
1000 Technology Drive, MS 140, O'Fallon, MO 63368
Effective Date: October 27, 2017

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

October 30, 2017 (BK-MBD)
Home Point Financial Corporation
10461 Mill Run Circle, Suite 720, Owings Mills, MD 21117
Effective Date: October 26, 2017

October 30, 2017 (BK-MBD)
Guaranteed Rate, Inc.
27-43 Wormwood Street, Suite 310, Boston, MA 02110
Effective Date: June 2, 2017

October 31, 2017 (BK-MBD)
Home Point Financial Corporation
6833 Clark State Road, Blacklick, OH 43004
Effective Date: August 21, 2017

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

City

State

October 26, 2017

1654283

Salvador Amezcua

Inglewood

California

October 26, 2017

1529355

Shea Mark Ruthe

Weston

Connecticut

October 26, 2017

860187

Lowell Randolph Hancock

El Dorado Hills

California

October 26, 2017

823930

Sam Pom Kim

Diamond Bar

California

October 26, 2017

1557631

Brittany Nicole Lee

Lumberton

New Jersey

October 26, 2017

1460788

Cheman Shwani

Phoenix

Arizona

October 26, 2017

406898

Maria Inez Potter

Sterling Heights

Michigan

October 27, 2017

1148059

Nicole Jolene Marshall

Placerville

California

October 27, 2017

1280900

Christopher Jude Henwood

Port Murray

New Jersey

October 27, 2017

138072

Robert Daniel Sherman

Richboro

Pennsylvania

October 27, 2017

1589080

Vincent Anthony Lanni

St James

New York

October 27, 2017

266888

Wai Ming Kwong

Bayside

New York

October 27, 2017

946723

Lisa Karen Farrell

Philadelphia

Pennsylvania

October 30, 2017

1231764

Marie Angie Rivera Rodriguez

San Juan

Puerto Rico

October 30, 2017

1122916

Derrick Kelly Jensen

Columbia

Missouri

October 30, 2017

1582208

Hanuma Iskhakov

Forest Hills

New York

October 30, 2017

1289050

Paul Michael Williamson

Rocheport

Missouri

November 1, 2017

331459

Carolyn Wenfong Chang

Encino

California

November 1, 2017

12163

Christie Lee Windham

Jacksonville

Florida

November 1, 2017

1489800

Joel Mondale Davis

Fishers

Indiana

November 1, 2017

1526672

Tamera Kay Colton

Plano

Texas

 

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