Weekly Bulletin

February 3, 2012

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.This Weekly Bulletin may also be viewed online at the Department’s Web site at: http://www.dfs.ny.gov

SECTION II
Section II 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
MS	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

REGULATORY UNIT CODES

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

SECTION l

January 30, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applications dated January 26, 2012 for permission to open and occupy branch offices at the following two locations, received:

Caesar Rodney High School, 239 Old North Road, Camden, Kent County, DE 19934; and
Fred Fifer III Middle School, 109 East Camden-Wyoming Avenue, Camden, Kent County, DE 19934.

January 31, 2012 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

Notice of intention to close branch office at 5 South Academy Street, Wyoming, Wyoming County, NY 14591, received.

The comment period on this notice will expire April 30, 2012.

January 31, 2012 (TM-LFS)
EXIM (USA) INC.
72 – 26 Broadway, 2nd Floor, Jackson Heights, NY 11372

An application for a license to engage in the business of a transmitter of money, pursuant to Article 13-B of the New York Banking Law was received.

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 New York State Department of Financial Services by the applicant.

February 1, 2012 (SB-CRB)
FAIRPORT SAVINGS BANK
45 South Main Street, Fairport, NY 14450

Application, pursuant to Section 412 of the Banking Law, for the conversion of Fairport Savings Bank from federal to state charter under the name Fairport Savings Bank received.

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

February 01, 2012 (BR-MBD)
Full Service Branch
MNS Mortgage LLC In Lieu of True Name Mortgage Network Solutions, LLC
15 North 5th Street, Suite 100, Saddle Brook, NJ 07663

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

February 01, 2012 (MB-MBD)
Full Service Branch
Vanguard Funding LLC
134 Franklin Corner Road, Suite 202, Lawrenceville, NJ 08648

February 01, 2012 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
2210 Monroe Avenue, Rochester, NY 14618

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

February 01, 2012 (BR-MBD)
Applicant(s)
MEHTASB LLC
To acquire interest in:
Lenderlive Network, Inc. d/b/a LL Network
710 South Ash Street, Suite 200, Glendale, CO 80246 1989

January 27, 2012 (BR-MBD)
Applicant(s)
G Fund, LLC
To acquire interest in:
Customized Mortgage Solutions, LLC
One DeWolf Road, Suite 101, Old Tappan, NJ 07675

January 30, 2012 (MB-MBD)
Applicant(s)
PSM Holdings Through its subsidiary
PrimeSource Mortgage, Inc.
To acquire interest in:
United Community Mortgage Corporation
35 Broad Street, Keyport, NJ 07735

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
November 20, 2011	386335	Tami Loren Hand	Oyster Bay Cove	NY
November 30, 2011	162252	Patricia Irene Madison	White Plains	NY
December 27, 2011	22689	Mohinder Singh	S Ozone Park	NY
January 4, 2012	75491	Richard Michael Steinberg	New York	NY
January 5, 2012	297919	Patrick O'Shaughnessy Flanner	Harrisonville	MO
January 5, 2012	825720	Paul Tyrus Banks	Melvindale	MI
January 5, 2012	571307	Erin Kathleen Moitoza	Middletown	RI
January 5, 2012	838710	Ashley Rose Sheldon	Chesterfield	MI
January 5, 2012	163590	Brian Keith Smith	Long Beach	CA
January 5, 2012	8876	Brian Paul Westervelt	East Greenwich	RI
January 5, 2012	254232	Charles Benjamin Taylor	Harrisonville	MO
January 5, 2012	589663	Sherri Forbes	Rochester	NY
January 13, 2012	626325	Ellen G Morgenthal	New York	NY
January 13, 2012	224392	Mark Jason Katz	Gurnee	IL
January 20, 2012	376102	Michael Anthony Moczydlowsky	Monroe	MI
January 20, 2012	198772	Daniel Charles Valentini	Royal Oak	MI
January 20, 2012	847885	Gerard Walter Pociask	Westland	MI
January 20, 2012	826601	Adam John Offerman	Northville	MI
January 20, 2012	847882	Sheryl Linette Huckabone	Novi	MI
January 20, 2012	826813	Alyssa Jane Price	Grosse Pointe	MI
January 20, 2012	847884	David Ernst Kelm	Canton	MI
January 20, 2012	838715	Bartlomiej Strecker	Sterling Heights	MI
January 20, 2012	826567	Kelly Marie Palac	Wayne	MI
January 20, 2012	826807	Kelly Rose Pelletier	Sterling Heights	MI
January 20, 2012	838690	Jason Michael Kubacki	Clawson	MI
January 20, 2012	825723	Girard Brandon Braxton	Oak Park	MI
January 23, 2012	251952	Charles Joseph Rinaldi	Huntington Beach	CA
January 23, 2012	202291	Robert Steven Canatsey	Huntington Beach	CA
January 23, 2012	349490	David Lawrence Lichty	Aliso Viejo	CA
January 23, 2012	847846	Michael Lewis Olney	Taylor	MI
January 23, 2012	94485	Arthur Martin Anskat	East Rockaway	NY
January 23, 2012	827007	Eric Alan Sailor	Twinsburg	OH
January 25, 2012	91537	Joseph Manuel Rodriguez	Kenilworth	NJ
January 26, 2012	17452	Glen Robert Didas	Webster	NY

SECTION II

January 26, 2012 (CC-LFS)
MONEY EXPRESS CHECK CASHING CORP.
334 East 188th Street, Bronx, NY 10458

License to engage in business as casher of checks at 334 East 188th Street, Bronx, NY 10458 was surrendered.

January 27, 2012 (FR-FWB)
ANGLO IRISH BANK CORP. LTD.
Steven Court, 18/21 St. Stephen’s Green, Dublin 2, Ireland

Representative office license located at 222 East 41st Street, 24th floor, New York, NY 10017, surrendered on January 27, 2012.

February 1, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notification received of the closing of a representative office at 178 Broad Street, Plattsburgh, Clinton County, NY 12901, effective January 13, 2012.

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

February 01, 2012 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
111 Howard Boulevard, Suite 170-B, Mount Arlington, NJ 07856

February 01, 2012 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
322 Route 46 West, Parsippany, NJ 07054

February 01, 2012 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
100 Ring Road West, Suite 202, Garden City, NY 11530

February 01, 2012 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
854 South White Horse Pike, Hammonton, NJ 08037

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

January 26, 2012 (BR-MBD)
Full Service Branch
Happy Home Funding LLC
410 East 3rd Street, Brooklyn, NY 11218
Effective Date: January 26, 2012

The following Mortgage Broker is suspended effective January 27, 2012 for failure to maintain an active surety bond in violation of Section 410.14 of Part 410 of the Superintendent's Regulations.

January 27, 2012 (BR-MBD)
Colban Funding, Inc.
3401 East Main Street, Endwell, New York 13760

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

January 27, 2012 (BR-MBD)
George Fuchs DBA Pace Mortgage Capital
303 Fifth Avenue, New York, NY 10016 6601

January 27, 2012 (BR-MBD)
Harlequin Capital Corp.
28 Jones Street, Suite 102, East Setauket, NY 11733 2941

January 30, 2012 (BR-MBD)
MSD Corp.
65 East John Street, Hicksville, NY 11801 1309

January 30, 2012 (BR-MBD)
WPS Marketing and Consulting, LLC
40 Turner Lane, Mount Kisco, NY 10549 4004

January 31, 2012 (BR-MBD)
Mortgage Direct Inc.
626 RXR Plaza, Room 701, Uniondale, NY 11556 0626

January 31, 2012 (BR-MBD)
Mainstay Mortgage Corp.
1455 Veterans Highway, Hauppauge, NY 11749

January 31, 2012 (BR-MBD)
GNS Funding Corp.
12 West 23rd Street, 4th Floor, New York, NY 10010

January 31, 2012 (BR-MBD)
Choice National Mortgage Corporation UAN American Homestead Mortgage
326 Meadow Avenue, Newburgh, NY 12550 3043

January 31, 2012 (BR-MBD)
Consumer One Corp. d/b/a Consumer One Mortgage
154-2 Remington Boulevard, Ronkonkoma, NY 11779 6912

February 01, 2012 (BR-MBD)
Platinum Home Finance, Inc.
1101 Stewart Avenue, Suite 303, Garden City, NY 11530

Mortgage Broker Certificate Address Changes:

January 27, 2012 (BR-MBD)
First Superior Mortgage, Inc.
From: 259-13 Hillside Avenue, Floral Park, NY 11004
To: 260-14 Hillside Avenue, Floral Park, NY 11004

January 27, 2012 (BR-MBD)
Artisan Mortgage Company, Inc.
From: 726 Main Street, Islip, NY 11751
To: 320 Main Street, Suite B, Islip, NY 11751 3414

January 30, 2012 (BR-MBD)
Happy Home Funding LLC
From: 185 Marcy Avenue, Suite 302, Brooklyn, NY 11211
To: 410 East 3rd Street, Brooklyn, NY 11218 3912

February 01, 2012 (BR-MBD)
Spencer Home Equities, Inc.
From: 34 Atlantic Avenue, Suite 200A, Lynbrook, NY 11563
To: 1376 Locust Avenue, Bohemia, NY 11716 2143

Mortgage Banker Branch License Address Changes:

January 27, 2012 (MB-MBD)
Flaherty Funding Corporation
From: 535 Broadhollow Road, Suite B-29, Melville, NY 11747

To: 591 Stewart Avenue, Suite 510, Garden City, NY 11530

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 residential property:

Date Application Withdrawn	NMLS ID	Name of Applicant	City & State of Residence
December 23, 2010	75491	Richard Michael Steinberg	New York	NY
April 12, 2011	372283	Vitoon Vachira	Irvine	CA
May 4, 2011	148730	Chelsea Shannon Rousseau	Slatersville	RI
August 26, 2011	317620	Todd Mark Vandewalker	Columbia	MO
September 18, 2011	357391	Davina Marie Miller	Dallas	TX
January 27, 2012	83205	Amber Lynn Driscoll	Hoosick Falls	NY
January 31, 2012	390079	John T. Jennings	Jacksonville Beach	FL
January 31, 2012	348093	Alicia Shelton Ford	Haddon Heights	NJ
January 31, 2012	87995	Bruce Milton Vesey Ii	Clinton Township	MI
January 31, 2012	390066	Kathleen P Gatto	Jacksonville	FL

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 17, 2010	73334	Antoine St. Louis	West Hempstead	NY	Real Estate Mortgage Network, Inc.
December 13, 2011	309533	Kimberly C. Reilly	Troy	NY	SEFCU Services, LLC
December 12, 2011	37648	Roy Pedersen	Selden	NY	Atlantic Home Capital, Corp.
January 25, 2012	399364	Sindy Shabbir	Lynbrook	NY	First Residential Mortgage Services Corporation
January 25, 2012	718728	Kenneth David Bouton	Flower Mound	TX	Nationstar Mortgage LLC
January 25, 2012	483425	Michael Peter Flanigan	Cortland	NY	Springleaf Home Equity, Inc.
January 25, 2012	293112	Kristin J Mcilroy	Cicero	NY	CitiFinancial Company
January 25, 2012	827422	Mary Patricia Boyle	Highland Falls	NY	Homerica Mortgage Corporation
January 25, 2012	493348	Daniel Joseph Silverman	Lathrup Village	MI	Quicken Loans Inc.
January 25, 2012	774983	Mikhail D Nisimov	Forest Hills	NY	Anatoliy Mikhaylov Mortgage Choice, Inc.
January 25, 2012	146567	Anthony Darnell Hugan	Ann Arbor	MI	Quicken Loans Inc.
January 25, 2012	762308	Guy J Hoerner	Brightwaters	NY	Franklin First Financial, Ltd.
January 25, 2012	39305	Mary Jane Siegel	East Meadow	NY	Reliance First Capital, LLC
January 25, 2012	23541	Neal Richard Ferestien	Foxboro	MA	Semper Home Loans, Inc.
January 25, 2012	21896	Frank J. Colossi	Freehold	NJ	MEGA SERVICES CORP.
January 25, 2012	336431	Jonathan David Stevens	Irvine	CA	Network Capital Funding Corporation
January 25, 2012	351148	Bernard Leon Humphrey	Novi	MI	Quicken Loans Inc.
January 25, 2012	713722	Thomas Aaron Nickel	Bay Village	OH	Quicken Loans Inc.
January 25, 2012	66871	Jeffrey R Sosnicki	Islip	NY	PHH Home Loans, LLC
January 25, 2012	333770	Patricia Marie Lay	Orange	CA	American Advisors Group
January 25, 2012	813582	Ross Andrew Macbeth	Rochester Hills	MI	Quicken Loans Inc.
January 25, 2012	351327	Matthew John Leonbruno	Tempe	AZ	Quicken Loans Inc.
January 25, 2012	819043	Samuel Fong	Brooklyn	NY	Summit Mortgage Bankers, Inc.
January 25, 2012	774718	Cameron James Orr	Akron	OH	Quicken Loans Inc.
January 25, 2012	28140	Heather Marie Alexander	Walled Lake	MI	One Reverse Mortgage, LLC
January 25, 2012	823834	Nejat Hagos Abdurahman	Herndon	VA	Guidance Residential, LLC
January 25, 2012	297937	David Charles Goldstein	South Orange	NJ	MLD Mortgage Inc.
January 25, 2012	259865	James Roberts	Trenton	MI	Quicken Loans Inc.
January 25, 2012	397644	Michael Gordon Cohen	Royal Oak	MI	One Reverse Mortgage, LLC
January 25, 2012	266937	Michael Artin Artinian	Farmington Hills	MI	Quicken Loans Inc.
January 25, 2012	369813	Christopher Joseph Gabbamonte	St. Johns	FL	PHH Mortgage Corporation
January 25, 2012	827366	Walter D. Thies	Blairstown	NJ	Stone Street Mortgage Corp.
January 25, 2012	713721	Samantha Ann Klubert	Olmsted Falls	OH	Quicken Loans Inc.
January 25, 2012	198343	Christopher Shane Bayliss	Dearbon	MI	Quicken Loans Inc.
January 25, 2012	388731	Jake Jonas Mckay	East Greenwich	RI	Embrace Home Loans, Inc.
January 25, 2012	233840	Howard Kwak	Englewood Cliffs	NJ	Summit Mortgage Bankers, Inc.
January 25, 2012	392800	Jonathan Alan Mckinnie	Wyandotte	MI	One Reverse Mortgage, LLC
January 25, 2012	288766	Paul James Mitchell	Valley Stream	NY	Mitchell Funding of Valley Stream, Inc.
January 25, 2012	339303	Timothy Joseph Tallis	Ashland	MO	Mortgage Research Center, LLC
January 25, 2012	53343	Vincent Digiorgi	Wantagh	NY	Money Capital Corporation
January 25, 2012	119972	Robin Rebecca Lloyd	Cary	NC	Seterus, Inc.
January 25, 2012	378668	Robert Nicolae Bobleaga	Orange	CA	Network Capital Funding Corporation
January 25, 2012	639447	Peter Joseph Botros	Staten Island	NY	Omega Financial Services, Inc.
January 25, 2012	6599	Matthew Robert King	Fall River	MA	Embrace Home Loans, Inc.
January 25, 2012	776754	Logan Gregory Klug	Scottsdale	AZ	Quicken Loans Inc.
January 25, 2012	27980	Michael Steven Reiger	Canton	MI	Quicken Loans Inc.
January 25, 2012	262538	Matthew Connelly	Cleveland	OH	Quicken Loans Inc.
January 25, 2012	493360	Angelo Theodore Malicki	Independence	OH	Quicken Loans Inc.
January 25, 2012	6407	Thomas Daryl Nelson	West Bloomfield	MI	Quicken Loans Inc.
January 25, 2012	197255	Richard Lawrence Meyer	Denville	NJ	Equity Loans LLC
January 25, 2012	369983	Marc Philip Almeida	North Kingstown	RI	Embrace Home Loans, Inc.
January 25, 2012	813549	Amanda Suhail Bawab	Livonia	MI	Quicken Loans Inc.
January 25, 2012	590004	Sherie Allensworth	Webster	NY	First Rochester Mortgage Corp.
January 25, 2012	367085	Sean Michael Ratliff	Lakewood	OH	Quicken Loans Inc.
January 25, 2012	390018	Daniel Thompson Fusco	Phila	PA	PHH Mortgage Corporation
January 25, 2012	259019	Brian Edward Thomson	Dallas	TX	Nationstar Mortgage LLC
January 27, 2012	658734	David Franklin Bailey	Flower Mound	TX	Nationstar Mortgage LLC
January 27, 2012	217478	Michael John Brazier	Port Deposit	MD	New Day Financial, LLC
January 27, 2012	205800	Leslie Joan Struthers	Chicago	IL	Guaranteed Rate, Inc.
January 27, 2012	143997	Ryan Joseph Fitzpatrick	Philadelphia	PA	GMAC Mortgage, LLC
January 27, 2012	249004	Michael Albert Quiroz	Oakdale	NY	Meadowbrook Financial Mortgage Bankers Corp.
January 27, 2012	351203	Joshua Reindal Sklader	Scottsdale	AZ	Quicken Loans Inc.
January 27, 2012	404946	Mark Todd Leckie	Jacksonville	FL	PHH Mortgage Corporation
January 27, 2012	364647	Michael Patrick Rooney	Warwick	RI	Embrace Home Loans, Inc.
January 27, 2012	398882	Grace M Albrecht	Clarence	NY	CitiFinancial Company
January 27, 2012	338376	Andrew Angelo Pasquale	Lockport	NY	Springleaf Home Equity, Inc.
January 27, 2012	441875	Jeff Pinard	Baldwinsville	NY	Homestead Financial Services, Inc
January 27, 2012	416543	Stacy Kathryn Barawed	Elk Grove	CA	Genworth Financial Home Equity Access, Inc.
January 27, 2012	385818	Ayaz Moin	Westland	MI	Quicken Loans Inc.
January 31, 2012	589509	Mary Jo Ellen Traversone	Lockport	NY	Homestead Funding Corp.