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Weekly Bulletin

August 17 , 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

August 10, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Application dated August 8, 2012 for permission to change temporarily the location of branch office from 576 Ritchie Highway, Severna Park, Anne Arundel County, MD 21146 to 574 Ritchie Highway, Severna Park, Anne Arundel County, MD 21146, received.


August 13, 2012 (SB-CRB)
EMIGRANT BANK
5 East 42nd Street, New York, New York 10017
EMIGRANT SAVINGS BANK-MANHATTAN
250 W. 23rd Street, New York, New York 10011
EMIGRANT SAVINGS BANK-BROOKLYN/QUEENS
1954 Flatbush Avenue, Brooklyn, New York 11234
EMIGRANT SAVINGS BANK-BRONX/WESTCHESTER
2526 Grand Concourse, Bronx, New York 10458
EMIGRANT SAVINGS BANK-LONG ISLAND
1000 Merchant Concourse, Westbury, New York 11590

Bulletin item dated August 8, 2012, which appeared in the Weekly Bulletin dated August 10, 2012, advising of the receipt of applications, pursuant to Section 601 of the Banking Law, for Emigrant Savings Bank-Manhattan, Emigrant Savings Bank-Brooklyn/Queens, Emigrant Savings Bank-Bronx/Westchester, and Emigrant Savings Bank-Long Island, to merge with and into Emigrant Bank, under the name Emigrant Bank, is corrected to reflect that the comment period will expire on September 10, 2012.


August 14, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Notices of intention to establish electronic facilities (automated teller machines) at the following two locations, received:

  1. Sheetz Inc. Convenience Store, 610 Route 22W, Burrell Township, Indiana County, PA 15717; and
  2. Sheetz Inc. Convenience Store, 1329 Freedom Road, Cranberry Township, Butler County, PA 16066.

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

From:
September 28, 2010 (MLS-MBD)
Applicant(s)
Thomas J. Axon
Frank B. Evans, Jr.
Steven W. Lefkowitz 
Michael L. Bertash
Allan R. Lyons
Jimmy Yan
Paul D. Colasono
Franklin Credit Holding Corporation
As: Franklin Credit Management Corporation
101 Hudson Street, 25th Floor, Jersey City, NJ 07302

To:
August 15, 2012 (MLS-MBD)
Applicant(s)
Thomas J. Axon
Paul D. Colasono
Kevin P Gildea
Stephen Hague
Frank B. Evans
Steve W. Leftkowitz
Michael L. Bertash          
Allan R. Lyons
As: Franklin Credit Management Corporation
101 Hudson Street, 25th Floor, Jersey City, NJ 07302


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

August 15, 2012 (BR-MBD)
Full Service Branch
American Nationwide Mortgage Company, Inc.
17 Johnson Road, Suite 1, Mechanicville, NY 12118

August 15, 2012 (BR-MBD)
Full Service Branch
A-M-S Mortgage Services, Inc.
9709 Artesia Boulevard, Suite 101, Bellflower, CA 90706

August 15, 2012 (BR-MBD)
Full Service Branch
Flagship Financial Group, LLC
1 Barney Road, Suite 200, Clifton Park, NY 12065


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

August 14, 2012 (MB-MBD)
Full Service Branch
WCS Lending, LLC
291 Carter Drive, Suite A, Middleton Prof. Center, Middleton, DE 19709

August 14, 2012 (MB-MBD)
Full Service Branch
Lyons Mortgage Services, Inc.
405 Lexington Avenue, 26th Floor, #2635, New York, NY 10174

August 14, 2012 (MB-MBD)
Full Service Branch
Paragon Home Loans Inc.
300 Old Liverpool Road, Suite 103, Liverpool, NY 13088

August 14, 2012 (MB-MBD)
Full Service Branch
Gateway Funding Diversified Mortgage Services, L.P.
1 East Broad Street, Suite 450, Bethlehem, PA 18018

August 14, 2012 (MB-MBD)
Full Service Branch
Mortgage Research Center, LLC D/B/A VAMortgageCenter
4603 John Garry Drive, Suite 5, Columbia, MO 65203

August 14, 2012 (MB-MBD)
Full Service Branch
GuardHill Financial Corp. D/B/A GuardHill Mortgage
65 Locust Avenue, 1st Floor, New Canaan, CT 06840

August 15, 2012 (MB-MBD)
Full Service Branch
RFC Mortgage In Lieu of True Name Residential Finance Corporation
7 Waterfront Plz., 500 Ala Moana Blvd. RFC Ste.400, Honolulu, HI 96813


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:

August 09, 2012 (BR-MBD)
Applicant(s)
Nationstar Mortgage Holdings Inc., through its subsidiaries Nationstar Sub 1 LLC and Nationstar Sub 2 LLC,
To acquire an interest in:
Nationstar Mortgage LLC
350 Highland Drive, Lewisville, TX  75067

August 15, 2012 (BR-MBD)
Applicant(s)
Richard S. Fishkin
George A. Pejoves
To acquire additional interest in:
United Fidelity Mortgage LLC
53 Burd Street, 2nd Floor, Nyack, NY 10960


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

May 15, 2012

854400

Katharine Marie Millard

Randolph

NJ

May 17, 2012

160617

Anthony  Catanese

Downingtown

PA

May 17, 2012

907406

Farzad  Zamani

Anahiem

CA

May 21, 2012

900977

Kim Mary Giberson

Irvine

CA

May 25, 2012

404064

Alfred  Schloss

New City

NY

May 29, 2012

485961

Bernadette  Collins

Nesconset

NY

June 20, 2012

207830

John  Guglielmotti

Waldwick

NJ

June 20, 2012

125712

Susannah  Garza

Fort Worth

TX

June 25, 2012

30413

Brent Michael Wilson

Commerce Township

MI

June 25, 2012

861158

Lia Cathryn Floreno

Detroit

MI

June 28, 2012

54148

Stephen Craig Pullen

Warwick

NY

June 28, 2012

892317

Pamela Ann Kennard

Clinton

NY

July 3, 2012

917527

Robert Douglas Ahrens

Bohemia

NY

July 13, 2012

913671

Ilir  Sinistaj

Clarkston

MI

July 13, 2012

921693

Steven Allan Salvatore

Jacksonville

FL

July 13, 2012

920995

Jeremy Alan Painter

Jacksonville

FL

July 13, 2012

913354

Scott Miller Currier

Ferndale

MI

July 13, 2012

902413

Amy Elizabeth Brown

Waterford

MI

July 13, 2012

913078

Nicholas James Agosti

Dearborn Heights

MI

July 13, 2012

913536

John Michael Lang

West Bloomfield

MI

July 13, 2012

788864

Donald Chulmin Kim

Oakland Gardens

NY

July 13, 2012

196922

Jeremy Alan Tunkel

Fishkill

NY

July 15, 2012

929391

Michael Edward Phillips

Brooklyn

NY

July 16, 2012

186193

Andrew Valentino Michael

West Hempstead

NY

July 20, 2012

877404

Christine Marie Cloninger

Knoxville

TN

July 20, 2012

493371

Itzel  Villalpando

Mesa

AZ

July 25, 2012

581340

Norman  Bowers

Sewell

NJ

July 25, 2012

922575

Kyle Michael DiLeo

Medford

NJ

July 26, 2012

922561

Scott Cecil Aaronson

Lumberton

NJ

July 26, 2012

847913

Kolton Bruce Morrison

Scottsdale

AZ

July 27, 2012

922572

Ryan William Siebert

Cinnaminson

NJ

July 27, 2012

834420

Liliana  Nigrelli

Brentwood

TN

July 27, 2012

854484

Steve Alan Cooperman

Dix Hills

NY

July 27, 2012

899352

Joshua Timothy Ryan

Sacramento

CA

July 27, 2012

922580

Michael Francis Watkins

Cherry Hill

NJ

July 27, 2012

374235

Kyle Louis Mickelson

Columbus

OH

July 30, 2012

422376

James Dean Robison

Glendale

AZ

July 30, 2012

898677

Stan  Greenberg

New York

NY

July 30, 2012

921147

Latori Renee Foster

Jacksonville

FL

July 30, 2012

917824

Timothy Patrick Gillis

Jacksonville

FL

July 31, 2012

600194

Staci Ann Pollari

Staten Island

NY

July 31, 2012

913489

Reem Azmi Khalil

Ypislanti

MI

July 31, 2012

922573

Devon Christopher Fenske

Medford

NJ

July 31, 2012

913870

Robert  Tulevski

Rocky River

OH

July 31, 2012

353205

Erica  Hancock

Jacksonville

FL

July 31, 2012

902525

Matthew Bradley McCarthy

Sterling Heights

MI

July 31, 2012

913417

Laura Elizabeth Genetti

Oakland Twp.

MI

July 31, 2012

913874

Robert Michael Zuber

Gates Mills

OH

August 1, 2012

934780

Diana Lee Smith

Lakemoor

IL

August 1, 2012

836306

Lawrence Andrew Barela

Riverside

CA

August 1, 2012

829794

Beau  Hernandez

Rockaway Park

NY

August 2, 2012

933280

Jeffrey Guy Rothschild

Newport Beach

CA

August 2, 2012

420314

Scott Matthew Isaacs

Lakewood

OH

August 2, 2012

209068

Todd Nicolas Rowland

Cave Creek

AZ

August 2, 2012

921506

Diego  Melendez

Jacksonville

FL

August 3, 2012

115174

James Rudolph Matyas

Columbus

OH

August 3, 2012

336430

Kim Ngoc Gia Dao

Westminster

CA

August 3, 2012

913804

Christian Adrian Ciltara

North Royalton

OH

August 3, 2012

37460

Ronnie Miriam Friedman

Costa Mesa

CA

August 3, 2012

911554

Taryn Ashley Barnett

Seal Beach

CA

August 3, 2012

223172

Dennis Patrick Young

Blue Jay

CA

August 3, 2012

861715

Randy Paul Tabor

Williamsfield

OH

August 3, 2012

19348

Deborah Lynn Gehrken

Corona

CA

August 3, 2012

911215

James Suckhyun Chu

Garden Grove

CA

August 3, 2012

854013

Robert Michael Bogart

Laguna Niguel

CA

August 3, 2012

883335

Mark Donald Perez

Laguna Niguel

CA

August 3, 2012

387725

Susan Denise Nealon

Irvine

CA

August 3, 2012

881529

Bennie John Bua

Gilbert

AZ

August 3, 2012

374190

Mustafa Shabbir Kathiria

Mission Viejo

CA

August 3, 2012

911217

Nicolas Vireak Ngov

Buena Park

CA

August 3, 2012

921665

Carly Ann Jordan

Sickerville

NJ

August 3, 2012

389923

Ryan Tsutomu Kataoka

West Covina

CA

August 13, 2012

838707

Kevin James Ruzylo

Northville

MI


SECTION II

July 27, 2012 (LL-LFS)
FIRSTAGAIN LLC
350 Tenth Avenue, Suite 1400, San Diego, CA  92101

License to engage in business as a licensed lender was surrendered.


August 2, 2012 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY 11791

The license to engage in business as casher of checks at 292 North Main Street, Freeport, NY 11520 was surrendered.


August 6, 2012 (CC-LFS)
UBNY, LLC D/B/A SUPERCASH
115 West 23rd Street, New York, NY 10011

License to engage in business as casher of checks at a limited station located at 350 Linwood Street, Brooklyn, NY 11208 for the employees of Navillus Tile dba Navillus Contracting was surrendered.


August 10, 2012 (BK-CRB)
GOTHAM BANK OF NEW YORK
1412 Broadway, New York, NY 10018
PROVIDENT INTERIM, F.S.B
400 Rella Boulevard, Montebello, NY 10901

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 5:00 p.m., August 10, 2012, a Joinder Agreement, dated as of July 19, 2012, to an Agreement and Plan of Merger, dated as of January 17, 2012, and other required documents, providing for the merger of Provident Interim, F.S.B. with and into Gotham Bank of New York under the name of Gotham Bank of New York.


August 10, 2012 (BK-CRB)
GOTHAM BANK OF NEW YORK
1412 Broadway, New York, NY 10018

Gotham Bank of New York, New York, NY, merged with and into Provident Bank, Montebello, NY, effective August 10, 2012.


August 12, 2012 (SF-LFS)
UNIVERSAL GUARDIAN ACCEPTANCE, LLC
702 Felix Street, Saint Joseph, Buchanan County, MO 64501

A license was issued to engage in business as a sales finance company.


August 12, 2012 (FR-FWB)
RAIFFEISEN BANK INTERNATIONAL AG
Am Stadtpark 9, A-1030, Vienna, Austria

Application for a license to establish and maintain a representative office at 1133 Avenue of the Americas, Borough of Manhattan, City of New York 10036, approved.


August 12, 2012 (SF-LFS)
INNOVATIVE FUNDING SERVICES, LLC
14205 N. Burnet Road – Suite 400, Austin, Travis County, Texas 78728

A license was issued to engage in business as a sales finance company.


August 12, 2012 (TM-LFS)
WORLD FIRST USA, INC. 
12 Desbrosses Street, New York, NY 10013

License to engage in business as a transmitter of money was issued.


August 13, 2012 (BK-CRB)
THE WESTCHESTER BANK
2001 Central Park Avenue, Yonkers, NY 10710

Authorization issued to open and occupy a branch office at 994 Broadway, Thornwood, Town of Mount Pleasant,  Westchester County, NY 10594, on or after August 14, 2012.


August 13, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Niagara Falls International Airport, 2035 Niagara Falls Boulevard, Town of Niagara, Niagara County, NY 14304.


August 14, 2012 (SF-LFS)
FRAZER MOTORS, INC.
6182 US Highway 11, Canton, St. Lawrence County, NY 13617.

License issued to engage in business as a sales finance company.


August 14, 2012, 2012 (CC-LFS)
CASTLEWAY FINANCIAL, INC. D/B/A E-Z CHECK CASHING
380 Connecticut Street, Buffalo, NY 14213     

A license was issued for a name change of a casher of checks to Castleway Financial, Inc. D/B/A E-Z Check Cashing.

In connection with the above license issuance, the original check casher license was surrendered.


August 15, 2012 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017

Authorization granting permission to open and occupy a branch office at 1350 Broadway, Borough of Manhattan, City of New York 10018, surrendered for cancellation.

Office discontinued as of July 31, 2012.


August 15, 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 72 Hamburg Street, East Aurora, Erie County, NY 14052, effective July 31, 2012.


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

August 13, 2012 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
10801 Walker Street, Suite, 230, Cypress, CA  90630


Mortgage Loan Servicer Certificate Address Changes:

August 13, 2012 (MLS-MBD)
iServe Servicing, Inc.
From: 222 W. Las Colinas Boulevard, Suite 1252 E, Irving, TX  75039
To: 13520 Evening Creek Drive North, Suite 400, San Diego, CA  92128


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

August 13, 2012 (BR-MBD)
Calvin A. Brainard D/B/A BMC Capital
51 State Street, Seneca Falls, NY 13148 1589
Effective Date: July 18, 2012

August 13, 2012 (BR-MBD)
Stephanie Thompson D/B/A Narragansett Group
18 Halstead Avenue, Harrison, NY 10528
Effective Date: July 10, 2012


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

August 13, 2012 (BR-MBD)
Full Service Branch
Morgan Stanley Smith Barney LLC
30 South Pearl Street, 8th Floor, Omni Plaza, Albany, NY 12207
Effective Date: August 03, 2012

August 13, 2012 (BR-MBD)
Full Service Branch
East Coast Capital Corp.
45 Church Street, Suite 2, Freeport, NY 11520
Effective Date: August 03, 2012


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

August 13, 2012 (MB-MBD)
Full Service Branch
OneMain Financial, Inc.
605 Munn Road, Fort Mill, SC 29715
Effective Date: August 03, 2012


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

August 09, 2012 (BR-MBD)
Behrouz Benyaminpour D/B/A Diversified Financial Services
65-49 Grand Avenue, Maspeth, NY 11378
Branch Offices:
51B Cutter Mill Road, Great Neck, NY 11021

August 09, 2012 (BR-MBD)
Omega Financial Services, Inc.
1872 Morris Avenue, Union, NJ 07083

August 13, 2012 (BR-MBD)
American Capital Mortgage, Inc
439 Main Street, Suite 202, Orange, NJ 07050

August 15, 2012 (BR-MBD)
Sunquest Funding LLC
20 Commerce Drive, Suite 130, Cranford, NJ 07016

August 15, 2012 (BR-MBD)
Universal Mortgage, Inc.
455 1st Street, 2nd Floor, Brooklyn, NY 11215
Branch Offices:
146 Montague Street, Brooklyn, NY 11201

August 15, 2012 (BR-MBD)
Marquis Funding Inc.
112-08 Jamaica Avenue, #1F, Richmond Hill, NY 11418 2425


August 16, 2012 (CC-LFS)
MONEY SPOT INC.
Main Office: 5 Lorimer Street, Suite 5-A, Brooklyn, NY 11206
Branch: 283 Van Brunt Street, Brooklyn, NY 11231

The Superintendent issued an Order of Suspension against Money Spot Inc., pursuant to Section 373(2) of the Banking Law.  Commencing on August 16, 2012, all licenses to engage in the business of casher of checks that are issued in the name of Money Spot Inc. are suspended for a period not to exceed 90 days.


August 16, 2012 (CC-LFS)
DEPENDABLE CHECK CASHING INC.
1313 Avenue J, Brooklyn, NY 11230-3605

The Superintendent issued an Order of Suspension against Dependable Check Cashing Inc., pursuant to Section 373(2) of the Banking Law.  Commencing on August 16, 2012, all licenses to engage in the business of casher of checks that are issued in the name of Dependable Check Cashing Inc. are suspended for a period not to exceed 90 days.


The following licensed Mortgage Banker has entered into a Settlement Agreement on August 1, 2012 with the Department in lieu of a hearing for a fine or revocation of its mortgage banker license, to settle violations of Part 420.4 of the Superintendent's Regulations for assisting Mortgage Loan Originators in 2010 to engage in mortgage loan origination without first being licensed by the Superintendent as an MLO pursuant to Article 12-E of the New York Banking Law. The Settlement Agreement terms and conditions include a fine of $25,000.00.

August 14, 2012 (MB-MBD)
Associated Mortgage Bankers, Inc.
600 Old Country Road, Suite 207, Garden City, New York 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 State residential property:

Date Application Withdrawn

NMLS ID

Name of Applicant

City & State of Residence

August 9, 2012

65741

Gregory Michael Marsh

Northvale

NJ

August 9, 2012

887596

Matthew John Majowka

Wantagh

NY

August 9, 2012

135211

Shane Michael Goodhew

Flower Mound

TX

August 10, 2012

22547

Robert Joseph Fish

Morrisville

NC

August 13, 2012

154669

Shaun Paul Brenner

Levittown

NY

August 13, 2012

197298

Sandra Lucille Panzarella

City Island

NY

August 14, 2012

294003

Veronica  Gordon

Brooklyn

NY


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

August 13, 2012

773206

Thomas Gerard Gillespie Jr

Gansevoort

NY

OneMain Financial, Inc.

August 13, 2012

390644

Marcus Edward Benkowski

Baltimore

MD

New Day Financial, LLC

August 13, 2012

390165

Jeana Christiana Rodrigues

Lewisville

TX

Nationstar Mortgage LLC

August 13, 2012

40626

Glenn  Michaels

Oceanside

NY

US Mortgage Corporation