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Weekly Bulletin

July 20, 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 Company

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

July 16, 2012 (SB-CRB)
ELMIRA SAVINGS BANK
333 East Water Street, Elmira, NY 14901

Application dated July 10, 2012 for permission to open and occupy a branch office at 2081 Lake Road, Elmira Heights, Town of Horseheads, Chemung County, NY 14903, received.


July 18, 2012 (MI-CRB)
CUSTOMERS BANK
99 Bridge Street, Phoenixville, PA 19460

Application dated July 13, 2012 for permission to open and occupy a branch office at The Osborn Retirement Community, 101 Theall Road, Rye, Westchester County, NY 10580, received.


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

July 18, 2012 (BR-MBD)
Applicant(s)
Vicki Kessler
As: The Kessler Management Group, Inc.
10 Anthony J. Morina Drive, Stony Point, NY 10980 3716


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

July 16, 2012 (BR-MBD)
From: Applicant(s)
Timothy Stern
Michael D. Peretz
William B. Shepro
As: Altisource Fulfillment Operations, Inc.
2002 Summit Boulevard, Suite 600, Atlanta, GA 30319

To: Altisource Fulfillment Operations, Inc.
2 City Place, Suite 90, St. Louis, MO 63141 7096


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

July 17, 2012 (MB-MBD)
Applicant(s)
Victor M. Polce
G Fund, LLC
As: Customized Mortgage Solutions, LLC
One DeWolf Road, Suite 101, Old Tappan, NJ 07675 7084


Application to establish a Mortgage Loan Servicer Branch under Article 12-D of the New York State Banking Law received for examination:

July 12, 2012 (MLS-MBD)
Full Service Branch
Citimortgage, Inc.
4600 Houston Rd, Florence, KY 41042

July 12, 2012 (MLS-MBD)
Full Service Branch
Citimortgage, Inc.
8725 West Sahara Ave., The Lakes, NV 89163


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

June 29, 2010

89062

Ryan Thomas Peterson

Urbandale

IA

March 23, 2011

18434

James Anthony Gansky

Syosset

NY

February 16, 2012

855441

Edward  Ehrhardt

Manorville

NY

February 16, 2012

855441

Edward Ehrhardt III

Manorville

NY

March 13, 2012

281898

Linda Weir

West Jordan

UT

April 11, 2012

367972

Edward  Miller

Sanford

FL

April 16, 2012

243102

Craig Isadore Weisfeld

Glasser

NJ

May 3, 2012

15835

Sean Auburn Robbins

Medford

NJ

May 10, 2012

141938

Jonathon Lynn Geitgey

Carmel

IN

May 16, 2012

417756

Albert Duane Lusk

Egg Harbor Twp.

NJ

May 16, 2012

168350

Jennifer Michelle Clarke

Edgewater Park

NJ

May 23, 2012

830061

Amy J Horvat

Syracuse

NY

May 24, 2012

913752

Joseph Ross Trocino

Macomb

MI

May 30, 2012

847892

Colin Jeffrey Mcnulty

Cleveland

OH

May 30, 2012

229736

Pasquale Bernard Mungiole

Franklinville

NJ

June 4, 2012

251920

Brian Colin Girrbach

Allen Park

MI

June 4, 2012

892319

Nicholas Edmund Adrian

Blasdell

NY

June 5, 2012

141973

Edward Joseph Sedlar

Westminster

MD

June 5, 2012

861705

James Stefanos Kavourias

Brecksville

OH

June 5, 2012

839758

Jesse Douglas Allen

Bel Air

MD

June 5, 2012

198148

Phillip M Childerson

Cleveland

OH

June 5, 2012

847889

Michael Joseph Dragony

Westlake

OH

June 6, 2012

119885

Jason Matthew Schenk

Mount Laurel

NJ

June 6, 2012

145021

Richard Neal Kassarich

Wynnewood

PA

June 6, 2012

196816

Noah William Cook

Utica

NY

June 6, 2012

369896

Joseph Matthew Vanbuskirk

Philadelphia

PA

June 6, 2012

779044

Whitney Skye Fuller

Columbus

OH

June 6, 2012

392451

Adam Phillip Spigelman

Marlton

NJ

June 6, 2012

392444

Kevin Terrel Burgess

Lindenwold

NJ

June 6, 2012

194922

David Alonzo Smith

Bensalem

PA

June 6, 2012

829920

Richard R Gallipoli

Hillsdale

NJ

June 7, 2012

891513

Kirk Robert Karem

Waterford

MI

June 8, 2012

64594

Francis W Gozdalski

Jamestown

NY

June 8, 2012

891484

Valerie Ann Luszcz

Southfield

MI

June 15, 2012

158169

Matthew Michael Holly

Lindenhurst

NY

June 15, 2012

71389

Thomas William Cole

Pendleton

IN

June 15, 2012

905863

Leigh Elsa Celentano

Saint Augustine

FL

June 18, 2012

198688

Steven  Czopek

Southgate

MI

June 18, 2012

825724

Samantha Christine Chambers

Royal Oak

MI

June 18, 2012

743155

Raymil  Duarte

Williston Park

NY

June 18, 2012

907817

Christopher Michael Egan

Jacksonville Beach

FL

June 18, 2012

275401

Shya  Benoit-Spofford

Orange Park

FL

June 19, 2012

861223

Christopher Wayne Machwart

Detroit

MI

June 19, 2012

902913

Thomas Ronald Sumner Saylor

Fairview Park

OH

June 19, 2012

847825

Saif Haris Hormoz

Marysville

MI

June 19, 2012

23406

Alma Rivera Piloni

Troy

MI

June 19, 2012

861164

Pamela Christine Hightower

Livonia

MI

June 19, 2012

585409

David Allen Thomas

Bellville

MI

June 19, 2012

872123

Wiesam Adib Shamaoun

Troy

MI

June 19, 2012

585398

Donald Gene Mulson

Farmington Hills

MI

June 19, 2012

861230

Mary Catherine Messing

Farmington Hills

MI

June 19, 2012

813628

Edward William Brink

Rocky River

OH

June 20, 2012

195805

Thurman Lee Killen

Baltimore

MD

June 21, 2012

902398

Bruce Thomas Olsen

Riga

MI

June 21, 2012

874480

Douglas Lawrence Shaffer

Orange

CA

June 21, 2012

891319

Nicole Renee Richardson

Detroit

MI

June 21, 2012

31253

Evan Allen Vanover

Medina

OH

June 24, 2012

424731

Jeremy Michael Revord

Auburn Hills

MI

June 24, 2012

397594

John Andrew Donlan

Redford

MI

June 24, 2012

146114

Matthew Daniel Klonowski

Broadview Heights

OH

June 24, 2012

198631

Rory Anthony Medina

Detroit

MI

June 25, 2012

914222

Dearja Kai Patrick

Oak Park

MI

June 26, 2012

902910

Robert Vancamp Bohlen

Clarkston

MI

June 26, 2012

905664

Edward Thomas Sassano

Seaford

NY

June 27, 2012

902675

Charles  Van Vallis

Clarkston

MI

June 27, 2012

912295

Huan Phan Huynh

Rowlett

TX

June 27, 2012

847814

Dylan Jeffery Feamster

Lincoln Park

MI

June 27, 2012

861701

Christopher Dale Decamillo

Lakewood

OH

June 27, 2012

894470

Blaire Parker Woodall

Highland Village

TX

July 2, 2012

891328

Bryant Timothy Stemen

Southgate

MI

July 2, 2012

106786

Kevin Ray Carpenter

Troy

MI

July 2, 2012

891539

Irwin Ferdinand Marrero Perez

Shelby Township

MI

July 2, 2012

98368

Michael David Smith

Waterford

MI

July 2, 2012

902583

Robert Christopher Staffiery

Canton

MI

July 3, 2012

902495

Bryan Vincent Jacobs-White

Detroit

MI

July 3, 2012

901968

Matthew James Robinson

Brighton

MI

July 3, 2012

17132

Joanne  Mcmillen

Shawnee

KS

July 3, 2012

901957

Brandon Thomas Maddick

Whitmore Lake

MI

July 3, 2012

902621

Kate Elizabeth Esper

Dearborn

MI

July 3, 2012

902202

Gary James Trowbridge

Taylor

MI

July 3, 2012

621895

Aba-Nyamekye Payin Goodloe

Little Elm

TX

July 3, 2012

902426

Jeremy Michael Cheaney

West Bloomfield

MI

July 3, 2012

915606

Brent Dwayne Conner

Dallas

TX

July 3, 2012

902433

Amol Ashok Dalvi

Wixom

MI

July 3, 2012

902579

Emmanuel Segundo Sievert

Allen Park

MI

July 3, 2012

902442

Rikki Lynn Franz

Chesterfield

MI

July 3, 2012

902569

Grant Alexander Pennefather

Grosse Pointe Woods

MI

July 5, 2012

902687

Brian Deon Young

Southfield

MI

July 5, 2012

861703

Sean Raymond Evers

Euclid

OH

July 5, 2012

888599

Sheldon Allen Banker

Jacksonville

FL


SECTION II

July 16, 2012 (SF-LFS)
GERALD SCOTT PARKES AND ERIC JOHN FOGG
Glenville, NY 12302 and Balston Lake, NY 12019

Application was approved for a change of control of a sales finance company, Discover Saratoga Capital, Inc. located at 533 Saratoga Road, Glenville, NY  12302 to reflect the 30% ownership by Gerald Scott Parkes and the 19% ownership by Eric John Fogg.


July 16, 2012 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY 11385

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Family Fun Day, 500 Bayside Drive, Breezy Point, Borough of Queens, City of New York 11697.

(This is a mobile facility which is to operate on July 28, 2012, and annually thereafter at the above event.)


July 17, 2012 (BK-CRB)
CHECKSPRING BANK
69 East 167th Street, Bronx, NY 10452

Authorization issued to open and occupy a branch office at 301 West 111th Street (a/k/a 2049 8th Avenue), Borough of Manhattan, City of New York 10026, on or after July 18, 2012.


July 17, 2012 (SF-LFS)
SNAAC GROUP HOLDINGS LLC
1345 Avenue of the Americas, 46th Floor, New York, New York County, NY 10105

CF SNAAC HOLDINGS LLC
1345 Avenue of the Americas, 46th Floor, New York, New York County, NY 10105

SNAAC INVESTORS LLC
1345 Avenue of the Americas, 46th Floor, New York County, New York, NY 10105

Application was approved for an indirect change of control of Security National Automotive Acceptance Company, LLC, an Article 11-B sales finance company located at 6951 Cintas Boulevard, Mason, Warren County, Ohio 45040.


July 17, 2012 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

Licenses to engage in business as casher of checks were surrendered for the following limited station locations:

  • Grenadier Realty Corp., Roosevelt Island, 30 River Road, New York, NY 10044
  • Main Man Water Main & Sewer Contractors Corp., 9204 Ditmas Avenue, Brooklyn, NY 11236
  • NYC Metropolitan Transit Authority, Linden Boulevard and Rockaway Avenue, Brooklyn, NY 11212
  • DeSantis Holster & Leather Goods Co., 431 Bayview Avenue, Amityville, NY 11701

July 18, 2012 (TR-FWB)
GOLDMAN SACHS BANK USA
200 West Street, New York, NY 10282

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at Fox Plaza, 2121 Avenue of the Stars (Suite 2600), Los Angeles, Los Angeles County, CA 90067.


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

July 12, 2012 (BR-MBD)
Embassy Funding LLC
210 Summit Avenue, Suite A-15a, Montvale, NJ 07645 1579


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

July 17, 2012 (MB-MBD)
Full Service Branch
Nationwide Equities Corporation
3389 Long Beach Road, Oceanside, NY 11572

July 17, 2012 (MB-MBD)
Full Service Branch
New Day Financial, LLC
8161 Maple Lawn Boulevard, Suite 475, Fulton, MD 20759

July 17, 2012 (MB-MBD)
Full Service Branch
Sun West Mortgage Company, Inc.
1 Indian Road, Suite 6, Denville, NJ 07834

July 17, 2012 (MB-MBD)
Full Service Branch
Prospect Lending, LLC In Lieu of True Name Prospect Mortgage, LLC
900 Walt Whitman Road, Suite LL2, Melville, NY 11747

July 17, 2012 (MB-MBD)
Full Service Branch
Residential Home Funding Corp. D/B/A RHF Wholesale
21 East Main Street, Mendham, NJ 07945


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

July 12, 2012 (BR-MBD)
Courtney Jill Krysty D/B/A Embassy Funding
210 Summit Avenue, Suite A-15a, Montvale, NJ 07645
Effective Date: July 12, 2012

July 18, 2012 (BR-MBD)
Family Home Funding, Corp. D/B/A FHF Mortgage
11 Kiel Avenue, Kinnelon, NJ 07405
Effective Date: June 30, 2012

July 18, 2012 (BR-MBD)
Happy Home Funding LLC
410 East 3rd Street, Brooklyn, NY 11218 3912
Effective Date: June 30, 2012


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

July 16, 2012 (BR-MBD)
Full Service Branch
Genesis Home Mortgage Corp.
8709 3rd Avenue, Brooklyn, NY 11209
Effective Date: July 11, 2012


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

July 13, 2012 (BR-MBD)
Bernard Neufville DBA Nu-Citi Funding
56 Harrison Street#301A, New Rochelle, NY 10801 6555

July 13, 2012 (BR-MBD)
inPham, LLC
117 11th Street, Suite 206, Brooklyn, NY 11215 3837

July 18, 2012 (BR-MBD)
T & W Realty Group Inc. D/B/A Preferred Capital Funding
36-54 Main Street, 3rd Floor, Flushing, NY 11354 4105


Application to assume inactive status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

July 18, 2012 (BR-MBD)
Ross Lelin DBA The Mortgage Professionals
200 West Sunrise Highway, Freeport, NY 11520
Effective Date: July 11, 2012


Mortgage Broker Certificate Address Changes:

July 12, 2012 (BR-MBD)
Coral Mortgage Bankers Corp. D/B/A Coral Mortgage
From: 60 East Linden Avenue, Englewood, NJ 07631
To: 240 Grand Avenue, Englewood, NJ 07631 4352

July 16, 2012 (BR-MBD)
MNS Mortgage LLC In Lieu of True Name Mortgage Network Solutions, LLC
From: 223 Pine Cliff Drive, Suite A, Wilmington, DE 19810
To: 2401 Pennsylvania Avenue, Suite 102, Wilmington, DE 19806 1432


Mortgage Banker License Address Changes:

July 16, 2012 (MB-MBD)
Beneficial Homeowner Service Corporation
From: 26525 North Riverwoods Boulevard, Mettawa, IL 60045
To: 26525 North Riverwoods Boulevard, Suite 100, Mettawa, IL 60045 3439

July 16, 2012 (MB-MBD)
Household Finance Realty Corporation of New York
From: 26525 North Riverwoods Boulevard, Mettawa, IL 60045
To: 26525 North Riverwoods Boulevard, Suite 100, Mettawa, IL 60045 3439


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

July 12, 2012 (BR-MBD)
Applicant(s)
G Fund, LLC
To acquire interest in:
One DeWolf Road, Suite 101, Old Tappan, NJ 07675 7084


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

June 22, 2012

479288

John  Monroe

River Edge

NJ

Genworth Financial Home Equity Access, Inc.

July 12, 2012

774914

Brian Daniel Yezbick Mccarter

Commerce Twp

MI

Quicken Loans Inc.

July 12, 2012

881070

Joseph Peter Deangelo

Royal Oak

MI

One Reverse Mortgage, LLC

July 12, 2012

61893

Aaron  Minkowicz

Brooklyn

NY

Landmark Funding Group Inc

July 12, 2012

838670

Wesley Barron Forbes

Franklin

MI

Quicken Loans Inc.

July 12, 2012

886616

Timothy James Callow

Pound Ridge

NY

Warshaw Capital, LLC

July 12, 2012

165440

Evan Joel Mitnick

Livingston

NJ

Anchor Street Mortgage, LLC

July 12, 2012

892389

John Woolfolk Moye

Pontiac

MI

One Reverse Mortgage, LLC

July 12, 2012

838651

Mor  Aprik

Detroit

MI

Quicken Loans Inc.

July 12, 2012

775308

Joshua Lawrence Gay

Livonia

MI

Quicken Loans Inc.

July 12, 2012

294614

Javier Fermin Sagardia

Tampa

FL

Residential Finance Corporation

July 12, 2012

885336

Chieh Huang  Hsieh

Fresh Meadows

NY

Prospect Mortgage, LLC

July 12, 2012

621114

Dustin Darrell Bone

Frisco

TX

Nationstar Mortgage LLC

July 12, 2012

891502

April Catherine Fredell

Lake Orion

MI

Quicken Loans Inc.

July 12, 2012

885333

Ronny  Guzman

Brooklyn

NY

Prospect Mortgage, LLC

July 12, 2012

861282

Tatiana Jae Uribe

Macomb

MI

Quicken Loans Inc.

July 12, 2012

894591

Martin James Postel

Cedar Falls

IA

GMAC Mortgage, LLC

July 12, 2012

261374

Edward J Gallagher

New Rochelle

NY

Faze One Funding, Limited Liability Company

July 12, 2012

891501

Adam Michael Frattaroli

Sterling Heights

MI

Quicken Loans Inc.

July 12, 2012

888443

James Richard Passano

West Babylon

NY

Interstate Home Loan Center, Inc

July 12, 2012

838703

Kristina Marie Rafalski

Dearborn

MI

Quicken Loans Inc.

July 12, 2012

393419

John Andrew Macguire Jr

Knoxville

TN

21st Mortgage Corporation

July 12, 2012

881600

Ryan Michael Kennedy

Cuyahoga Falls

OH

Quicken Loans Inc.

July 12, 2012

825157

Jason Paul Kothen

Rochester

NY

Homeowners Mortgage of America, Inc.

July 12, 2012

826811

William Henry Pinson Jr

Detroit

MI

Quicken Loans Inc.

July 12, 2012

891530

Jamie Lynn Luck

Detroit

MI

Quicken Loans Inc.

July 12, 2012

838704

Kyle Kennedy Rogers

Warren

MI

Quicken Loans Inc.

July 12, 2012

343724

Richard R Banjany

Staten Island

NY

Lakeview Funding Corp.

July 12, 2012

774981

Nathan David Hickoff

Fenton

MI

Quicken Loans Inc.

July 12, 2012

831626

Sara Ivelisse Chevere

Costa Mesa

CA

Network Capital Funding Corporation

July 13, 2012

109561

Erin Emmerson Morris

Elkridge

MD

NFM, Inc.

July 13, 2012

791943

Nicholas Andrew Natale

Baltimore

MD

New Day Financial, LLC

July 13, 2012

397613

Timothy Patrick Rice

Royal Oak

MI

Quicken Loans Inc.

July 13, 2012

888632

Richard Michael Burns

Riverhead

NY

Reliance First Capital, LLC

July 13, 2012

864894

Brandon Charles Phillips

Irvine

CA

Network Capital Funding Corporation


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 of Applicant

City & State of Residence

July 16, 2012

90185

Daniel  Hendershot

Butler

NJ