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									        N E W        Y O R K        S T A T E         B A N K I N G            D E P A R T M E N T


        WEEKLY BULLETIN
                                                                                       November 20, 2009

SECTION I

This section records the receipt of applications and notices to the Banking Department. Applications
and notices received by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed
Financial Services Divisions are listed in order of date of receipt; applications and notices received by the
Mortgage Banking Division 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 BANKING DEPARTMENT. Any comment on, or objection to, any item
contained in this Weekly Bulletin should be presented to the Banking 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 The Secretary of the New York State Banking Board, One State Street,
New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to
BBSecretary@banking.state.ny.us This Weekly Bulletin may also be viewed online at the Banking
Department’s Web site at: http://www.banking.state.ny.us

SECTION II

This section records actions taken by the Superintendent of Banks and/or the Banking Board, and other
information concerning the activities of the Banking Department. Actions relating to institutions
supervised by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial
Services Divisions are listed in order of date of action; actions relating to institutions supervised by the
Mortgage Banking Division are listed at the end of Section II by type of action taken.

SECTION III

This section provides notification of the filing by federally-chartered institutions of applications for new
branches to be located in New York received from Mr. Toney Bland, Deputy Comptroller, Office of the
Comptroller of the Currency, 340 Madison Avenue, 5th Floor, New York, NY 10017 and Mr. Brian
Steffey, Office of Thrift Supervision, Harborside Financial Center Plaza Five, Suite 1600, Jersey City, NJ
07311. Any comment or objection in relation to any application in Section III should be communicated
immediately to the supervisor of the institution involved, with a copy furnished to this office. This
section is provided as a courtesy to New York State-regulated banking institutions; additional
information relating to federally-chartered institutions is available in the Office of the Comptroller of the
Currency’s Weekly Bulletin or its Web site: http://www.occ.treas.gov and via the Office of Thrift
Supervision’s Web site at: http://www.ots.treas.gov.

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 Banking Department Division which has supervisory responsibility for the
institution. The following is a list of the codes and their meanings:




                                                      1
   Institution Codes
                                                          FB = Foreign Branch
   BK = Bank                                              FR = Foreign Representative Office
   TR = Trust Company                                     PF = Premium Finance Agency
   PB = Private Banker                                    SF = Sales Finance Agency
   SD = Safe Deposit Company                              LL = Licensed Lender
   HC = Holding Company                                   TM = Transmitter of Money
   SB = Savings Bank                                      BP = Budget Planner
   MK = Merchant Bank                                     CC = Check Casher
   SL = Savings and Loan Association                      MB = Mortgage Banker
   CU = Credit Union                                      BR = Mortgage Broker
   IC = Investment Company                                MS = Miscellaneous
   FA = Foreign Agency

  Division Codes

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




                                                 SECTION I

September 17, 2009 (SF-LFS)
CAR FINANCIAL SERVICES, INC. D/B/A ACC CONSUMER FINANCE
11020 David Taylor Drive, Suite 115, Charlotte, Mecklenburg County, NC 28262

Notification received for a change of name to Car Financial Services, Inc. without the assumed name of ACC
Consumer Finance, as a sales finance company.


November 16, 2009 (CU-CRB)
WINGS FINANCIAL
14985 Glazier Avenue, Suite 100, Apple Valley, MN, 55124

Application dated October 28, 2009 for permission to maintain a station at the United Airlines Cargo Building
22A, JFK International Airport, Jamaica New York, 11430, received.


November 17, 2009 (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 12150 Monument Drive,
Fairfax, Fairfax County, VA 22033, received.

The comment period for this item will expire on November 30, 2009.




                                                      2
November 18, 2009 (SB-CRB)
PIONEER SAVINGS BANK
21 Second Street, Troy, NY 12180

Application dated November 17, 2009 for permission to open and occupy a branch office at 184 Delaware
Avenue, Delmar, Town of Bethlehem, Albany County, NY 12054, received.

The comment period for this item will expire on November 30, 2009.


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

November 17, 2009 (BR-MBD)
Applicant(s)
Qimat Rai Goyal
As: Q.P. Mortgage Center, Inc.
1725 Central Park Avenue, Yonkers, NY 10710 4901

November 18, 2009 (BR-MBD)
Applicant(s)
Glenn Douglas Belt
William Michael Zgorski
As: cashnowrefi in lieu of true name In Lieu of True Name Meridian Home Mortgage Corporation
1363 North Main Street, Hampstead, MD 21074


Application received pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA
Mortgage Loan Correspondent:

November 13, 2009 (BR-MBD)
Academy Mortgage Corp.
105 Conklin Street, Farmingdale, NY 11735 2505


Article 12-E Applications received after July 11, 2009. Each individual listed may not engage in mortgage loan
origination activities until notified in writing that he or she may do so. In addition, all such individuals must be
licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009). They must also complete all
required education, testing and bonding requirements by the dates set forth in regulations being drafted by the
Superintendent pursuant to the authority of Article 12-E.

   July 17 2009               Lee Charles Pettid                New York                     NY
   July 17 2009               Roy Nazinitsky                    Long Beach                   NY
   July 27 2009               Joseph Nicholas Vultaggio         East Northport               NY
   July 27 2009               Reed Kunz Montgomery              Louisville                   KY
   July 28 2009               Azahar    Haque                   Queens Village               NY
   August 07 2009             Anthony F Formica                 West Islip                   NY
   August 19 2009             Sharon Gail Silvey                Port Orange                  FL
   August 20 2009             Tamira Ivette Rodriguez           Eustis                       FL
   August 26 2009             Raffay Abid                       East North Port              NY
   September 09 2009          Lawrence Julius Solomon           Poughkeepsie                 NY
   September 16 2009          Roger Lee Peabody                 Schenectady                  NY
   September 25 2009          Matthew Boyd Fugal                Pleasant Grove               UT
   September 28 2009          Maria Palumbo                     Bellmore                     NY
   October 01 2009            Josephine Gener Dizon             Bellerose                    NY
   October 02 2009            Sol Cherwin                       Melville                     NY
                                                         3
   October   06   2009     Stephanie Talebli                Beverly Hills            CA
   October   08   2009     Danielle Marie Pettit            Whitney Point            NY
   October   09   2009     Christian Weigand                Westfield                NJ
   October   09   2009     Gloria I Farrell                 Elmont                   NY
   October   12   2009     Michael Asoulin                  New Haven                CT
   October   12   2009     Thomas Ross Hengen               Bay Shore                NY
   October   12   2009     Steven Jerome Mask               Lake Forest              CA
   October   12   2009     Reynilda De La Cruz              Dix Hills                NY
   October   13   2009     Benjamin B Richardson            Tully                    NY
   October   13   2009     Edward Thompson O'Brien          Ormond Beach             FL
   October   13   2009     Frank Joseph Cifuni              Congers                  NY
   October   14   2009     Victor Hugo Mairena Jr           Yonkers                  NY
   October   14   2009     Asa Berger                       Chalfont                 PA
   October   14   2009     Julian Ortiz                     Forest Hills             NY
   October   14   2009     Kaiko Chan                       Elmhurst                 NY
   October   14   2009     Anthony Charles Dellitalia       Franklin Square          NY
   October   14   2009     James Guardino                   Chestnut Ridge           NY
   October   15   2009     Michael Lewis Dasaro             Garden City              NY
   October   15   2009     Michael Scott Lippiner           Long Beach               NY
   October   15   2009     Pasqualino Staffa                Far Rockaway             NY
   October   15   2009     Jason Andrew Valencia            San Diego                CA
   October   15   2009     Allen Robert Trippodo            Rochester                NY
   October   15   2009     Abigail Ladlie                   Columbia                 MO
   October   16   2009     Eric Patrick Gasper              Manhasset Hills          NY
   October   16   2009     Alan Joseph Strozza              Harrison                 NY
   October   18   2009     Jennifer S. Parks                New City                 NY
   October   16   2009     David A Toledo                   Baldwin Place            NY
   October   16   2009     Paul Sinno                       Bronxville               NY
   October   16   2009     Lisa R Monpere-Cruz              Amherst                  NY
   October   16   2009     Jorge Luis Morales               La Habra                 CA
   October   16   2009     Adam Quentin Baron               Aliso Viejo              CA
   October   16   2009     Garrett Norman Dwyer             Aliso Viejo              CA
   October   16   2009     Robert Arthur Ott                Rancho Santa Margarita   CA
   October   16   2009     Jarrad William Smith             Ladera Ranch             CA
   October   16   2009     Michael Timothy Valdez           Orange                   CA
   October   16   2009     Carrie Giammarino                Marlboro                 NJ
   October   17   2009     Muniram Boodram                  N. Woodmer               NY
   October   19   2009     Michael Frankl                   Islandia                 NY
   October   19   2009     Eric S Dobrin                    Westbury                 NY


                                               SECTION II


September 25, 2009 (LL-LFS)
CHRYSLER FINANCIAL SERVICES AMERICAS LLC U/A/N CHRYSLER FINANCIAL
1011 Warrenville Road, Lisle, IL 60532

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




                                                    4
November 12, 2009 (MS-CRB)
CHINATRUST BANK (U.S.A.)
22939 Hawthorne Boulevard, Torrance, CA 90505

As provided in Section 28-c of the Banking Law, the Superintendent of Banks has found that the proposed
closing of branch office at 83-09 Broadway, Elmhurst, Borough of Queens, City of New York 11373 will not
result in a significant reduction of banking services in the community to be affected.


November 12, 2009 (CU – CRB)
EMPIRE STATE CREDIT UNION
385 West Route 59, Spring Valley, NY 10977

Application pursuant to Article XI Section 461.1 to change the location of the credit union’s principal office to
45 Kennedy Drive, Spring Valley, NY 10977 from 385 West Route 59, Spring Valley, NY 10977 approved.


November 13, 2009 (TR-CRB)
SOLVAY BANK
1537 Milton Avenue, Solvay, NY 13209

Authorization issued to open and occupy a branch office at 7897 Brewerton Road, Town of Cicero, Onondaga
County, NY 13039, on or after November 14, 2009.


November 13, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following five locations,
surrendered for cancellation:

(1)     1003 West Patrick Street, Frederick, Frederick County, MD 21702;
(2)     11180 Lee Highway, Fairfax, VA 22030;
(3)     12150 Monument Drive (Suite 100), Fairfax, Fairfax County, VA 22033;
(4)     362 Elden Street, Herndon, Fairfax County, VA 20170; and
(5)     13542 Minnieville Road, Woodbridge, Prince William County, VA 22192.

Offices discontinued as of November 6, 2009.


November 15, 2009 (CC-LFS)
NY COMMERCIAL FINANCE CORP.
100 Broadway, Brooklyn, NY 11211

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State
Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the
Superintendent of Banks.


November 19, 2009 (CC-LFS)
KEYSTONE EXPRESS, INC.
159-15 Northern Blvd., Suite 104, Flushing, NY 11358

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State
Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the
Superintendent of Banks.
                                                       5
November 19, 2009 (CC-LFS)
JAY PAYROLL SERVICES, INC.
203 West 28th Street, New York, NY 10001

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State
Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the
Superintendent of Banks.


Application approved pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA
Mortgage Loan Correspondent:

November 13, 2009 (BR-MBD)
Arlington Financial Corporation
35 East Grassy Sprain Road, Ste. 300, Yonkers, NY 10710 4620


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

November 13, 2009 (MB-MBD)
United Fidelity Funding Corp.
4770 North Belleview, Suite 210, Kansas City, MO 64116 2190


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

November 13, 2009 (BR-MBD)
Mortgage Express, LLC D/B/A EMA
132 Old River Road, Suite 101, Lincoln, RI 02865
Effective Date: November 02, 2009

November 13, 2009 (BR-MBD)
Spartan Funding, Inc.
84 Business Park Drive, Suite 113, Armonk, NY 10504
Effective Date: October 30, 2009

November 13, 2009 (BR-MBD)
iMortgage USA, Inc.
136-18 39th Avenue, Suite 1003, Flushing, NY 11354 5577
Effective Date: October 27, 2009

November 18, 2009 (BR-MBD)
Middle B. Enterprises, Inc.
111 Great Neck Road, Suite 306, Great Neck, NY 11021
Effective Date: November 10, 2009


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

November 16, 2009 (MB-MBD)
First Alternative Mortgage Corp.
145 Huguenot Street, New Rochelle, NY 10801 5200
Effective Date: November 12, 2009

                                                     6
November 18, 2009 (MB-MBD)
Central Mortgage Bancorp, Inc. D/B/A Central Mortgage Bancorp.
75-35 31st Avenue, Suite 201, Jackson Heights, NY 11370
Effective Date: November 09, 2009


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

November 18, 2009 (BR-MBD)
Full Service Branch
The Money Depot, Inc.
4908 New Utrecht Avenue, Brooklyn, NY 11219
Effective Date: November 16, 2009

November 18, 2009 (BR-MBD)
Full Service Branch
Clear Funding Corp.
109 Croton Avenue, Ossining, NY 10562
Effective Date: November 16, 2009


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

November 16, 2009 (MB-MBD)
Full Service Branch
American Capital Mortgage Bankers, Ltd.
2300 Hylan Blvd, Staten Island, NY 10306
Effective Date: November 16, 2009


The following Mortgage Broker is suspended effective November 16, 2009 for a period of 30 days for failure
to maintain a corporate surety bond pursuant to Section 410.14 of Part 410 of the Superintendent's
Regulations.

November 17, 2009 (BR-MBD)
REM Mortgage Corporation
2171 Jericho Turnpike, Lower Level 4, Commack, NY 11725


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

November 12, 2009 (BR-MBD)
Cornerstone Capital Mortgage & Real Estate Services Inc.
636 Kings Highway, 2nd Floor, Fairfield, CT 06825 4815

November 16, 2009 (BR-MBD)
Kenneth Wang D/B/A Upland Financial Equities
39-15 Main Street, Suite 301, Flushing, NY 11354

November 17, 2009 (BR-MBD)
Pacific Western Financial Corp.
7 Smith Street, Suite 1, Merrick, NY 11566




                                                    7
November 17, 2009 (BR-MBD)
Advent Funding Company Inc.
2090 Adam Clayton Powell Jr. Blvd., Suite 602, New York, NY 10027 4990

November 18, 2009 (BR-MBD)
Levi Galbraith DBA County Crest Mortgage
1 Hillel Place, 2nd floor, Brooklyn, NY 11210
Branch Offices:
300 Hempstead Turnpike, 2nd floor, West Hempstead, NY 11552
4313 Church Avenue, Brooklyn, NY 11203


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

November 18, 2009 (BR-MBD)
Clear Funding Corp.
2027 Williamsbridge Road, Bronx, NY 10461 1630
Effective Date: November 18, 2009

November 18, 2009 (BR-MBD)
Main Source Funding Corp.
3102 Miles Avenue, Bronx, NY 10465 3608
Effective Date: November 18, 2009


Mortgage Broker Certificate Address Changes:

November 18, 2009 (BR-MBD)
Circle Mortgage Corporation
From: 5 Waller Avenue, Suite 303, White Plains, NY 10601
To: 500 Mamaroneck Avenue, Suite 320, Harrison, NY 10528 1600


Mortgage Banker Branch License Address Changes:

November 16, 2009 (MB-MBD)
United Northern Mortgage Bankers Limited
From: 201 South Wellwood Avenue, Lindenhurst, NY 11757
To: 1975 Hempstead Turnpike, Suite 405, East Meadow, NY 11554


The following Licensed Mortgage Banker has entered into a Settlement Agreement with the Banking
Department, in lieu of a hearing for fine/or revocation of its mortgage banker license, to settle violations of
Section 592 of the New York Banking Law and Section 410.1(b)(2) of Part 410 of the Superintendent's
Regulations for failure to demonstrate the existence of a line of credit in an amount of not less than
$1,000,000 provided by an unaffiliated banking institution, insurance company, or similar credit facility
approved by the Superintendent. The Settlement Agreement terms and conditions include a fine of $3,000.

November 13, 2009
Resource One, Inc.
30 Jericho Executive Plaza, Suite #400E, Jericho, NY 11753
Date of Settlement Agreement: November 3, 2009




                                                       8
The following Registered Mortgage Broker has entered into a Settlement Agreement with the Banking
Department, in lieu of a hearing for fine and/or revocation of it's mortgage broker's registration, to settle
violations of Part 38.2 of the General Regulations of the Banking Board for failure to include the legend
"Registered Mortgage Broker- NYS Banking Department" in its advertisement, for failure to indicate in print or
electronic media the name of the entity and street address, for failure to indicate that the entity arranges
mortgage loans with third-party providers and for failure to state the conditions or charges incident to a
mortgage loan. The Settlement Agreement terms and conditions include a fine of $5,000.


November 17, 2009
Ambassador Funding LLC
300 Saddle River Road, Airmont, NY 10952
Date of Settlement Agreement: November 4, 2009


The following Registered Mortgage Broker has entered into a Settlement Agreement with the Banking
Department, in lieu of a hearing for fine and/or revocation of it's mortgage broker's registration, to settle
violations of Part 38.2(e) of the General Regulations of the Banking Board which provides in general that no
mortgage broker shall fraudulently or deceitfully advertise a mortgage loan or misrepresent the terms,
conditions or charges incident to a mortgage loan in any advertisement therefore. The Settlement Agreement
terms and conditions include a fine of $5,000.

November 17, 2009
Win Financial Corp.
1750 Howe Avenue, Suite 600, Sacramento, CA 95825
Date of Settlement Agreement: November 4, 2009


The following Licensed Mortgage Banker has entered into a Settlement Agreement with the Banking
Department, in lieu of a hearing for fine and/or revocation of it's mortgage banker's license, to settle violations
of Part 38.2(e) of the General Regulations of the Banking Board which provides in general that no mortgage
banker shall fraudulently or deceitfully advertise a mortgage loan or misrepresent the terms, conditions or
charges incident to a mortgage loan in any advertisement therefore. The Settlement Agreement terms and
conditions include a fine of $6,000.

November 17, 2009
Intercontinental Capital Group, Inc.
55 East 59th Street, 4th Floor, New York, NY 10022
Date of Settlement Agreement: November 4, 2009


The following Registered Mortgage Broker has entered into a Settlement Agreement with the Banking
Department, in lieu of a hearing for fine and/or revocation of it's mortgage broker's registration, to settle
violation of Section 594-b(1) of the New York Banking Law for failure to obtain the prior approval of the
Superintendent for any action that will result in a change of control of the business of the registrant. The
Settlement Agreement terms and conditions include a fine of $2,500.

November 18, 2009 (BR-MBD)
Newlife Financial Company, Inc.
162-23 Depot Road, 2nd Floor, Flushing, NY 11358
Date of Settlement Agreement: November 13, 2009


Article 12-E Applications filed prior to July 11, 2009 and deemed complete by the Superintendent. Each
individual listed may engage in mortgage loan origination activities on a temporary basis until such time as the
Superintendent approves or denies his/her application or the application is withdrawn. In addition, all such


                                                         9
individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009). They must
also complete all required education, testing and bonding requirements by the dates set forth in regulations
being drafted by the Superintendent pursuant to the authority of Article 12-E.

   June 26 2008              Lou Sinapi                     Hopewell Junction       NY
   June 26 2008              Salvatore John Criscuolo       Staten Island           NY
   July 30 2008              Brett Vannostrand              Holbrook                NY
   December 29 2008          Randall Valentin Thomas        Woodmere                NY
   March 23 2009             David Homayoonfar              Great Neck              NY
   June 13 2009              Connie Ortiz                   New Rochelle            NY
   July 07 2009              Kyle Joseph Mueller            Smithtown               NY
   July 09 2009              Chelsea Lynn Humphrey          Gansevoort              NY

Applications for authorization 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:


     November   18,   2009   Charles Damon Beal             Louisville             KY
     November   19,   2009   Nancy Vasquez                  Fort Pierce            FL
     November   19,   2009   Robert Regan                   Staten Island          NY
     November   19,   2009   Nicholas John Saccone          Niskayuna              NY
     November   19,   2009   Jeffrey Guarino                New York               NY
     November   19,   2009   Darryl Louis Stroup            Pearl River            NY
     November   19,   2009   Fernando Javier Monasterio     Huntington             NY
     November   19,   2009   Todd Adam Matarazzo            East Norwich           NY
     November   19,   2009   Gerry Lamar Copeland           Jacksonville           FL
     November   19,   2009   Rocco Paul Pallatto            Baldwin                NY
     November   19,   2009   Mervin Luke Osborne            Louisville             KY
     November   19,   2009   Thomas Aquinas Morgan          Narragansett           RI
     November   19,   2009   Kaileesha Ashton Randolph      Louisville             KY
     November   19,   2009   Kim Allison Lobasso            East Brunswick         NJ
     November   19,   2009   Jonathan Scott Cohen           New York               NY
     November   19,   2009   Elias Esgdaille                New Milford            CT
     November   19,   2009   Jean Cacioppo                  Westbury               NY
     November   19,   2009   Eduard B Isakov                Brooklyn               NY
     November   19,   2009   Chrystal Marie Chartier        Fairdale               KY
     November   19,   2009   Isaac Steven Llanos            Fairfield              CT
     November   19,   2009   Cory Lewkowitz                 Massapequa             NY
     November   19,   2009   Roberta May Nabinger           Nineveh                NY
     November   19,   2009   Theodore Vuolo                 Old Bridge             NJ
     November   19,   2009   Robert Hilsby                  Wantgah                NY
     November   19,   2009   Phuong Dinh Dao                Garden Grove           CA
     November   19,   2009   Thomas Michael Wallentin       Warwick                RI
     November   19,   2009   Brandon Jerrett Allen          Nashville              TN


                              THERE ARE NO SECTION III ITEMS THIS WEEK.




 The Weekly Bulletin is available to the public on the New York State Banking Department’s Web site at:
                                         www.banking.state.ny.us
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