SECTION I

This section records the receipt of applications and notices to the Banking Department.   Applications and notices received by the Large Complex Banks, 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. To view only those current and pending Section I applications and notices which are CRA-related, please click here.

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 Large Complex Banks, 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. Fred D. Finke, Deputy Comptroller, Northeastern District, 1114 Avenue of the Americas, Suite 3900, New York, NY  10036 and Ms. Karen M. Cervera, Corporate Activities, Office of Thrift Supervision, 10 Exchange Place, 18th Floor, Jersey City, NJ 07302.  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 Website:  http://www.occ.treas.gov and via the Office of Thrift Supervision’s Website 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:

Division Codes

LCB = Large Complex Banks Division
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

January 20, 2005  (CI-ALT)
SPECIAL BULLETIN ALERT

Information has been received that the Financial Institutions Commission, Republic of Palau, revoked the banking license of Sunra International Bank & Trust on January 6, 2005.  Sunra is barred from performing any banking and related financial activities but has been granted 30 days to cease operations. 

Any information or questions concerning this matter should be brought to the attention of:

G. Semdiu Decherong, Executive Commissioner
Financial Institutions Commission
PO Box 10243
Koror, Republic of Palau  96940

Phone:  (680) 488-3560
E-mail: fic@palaunet.com

December 28, 2004 (CC-LFS)
REPUBLIC CAPITAL GROUP, LLC.
559 New Utrecht Avenue, Brooklyn, NY 11219

Application for a license to engage in the business as a licensed casher of commercial checks at 149 Allen Street, New York, NY 10002 was received (Branch).

Article IX-A of the New York State Banking Law defines a commercial check casher as a business that engages in the cashing of checks, drafts or money orders only for payees that are other than natural persons.

January 3, 2005 (CC-LFS)
BUSH CAPITAL, LLC.
889 4^th Avenue, Brooklyn, NY 11232

Application for a license to engage in the business as a licensed casher of commercial checks at 1726 Coney Island Avenue, Brooklyn, NY 11230 was received (Branch).

Article IX-A of the New York State Banking Law defines a commercial check casher as a business that engages in the cashing of checks, drafts or money orders only for payees that are other than natural persons.

January 4, 2005 (FA-FWB)
TAIPEIBANK CO., LTD.
50, Section 2, Chungshan North Road, Taipei, Taiwan, Republic of China

Application, pursuant to Section 203.2 of the Banking Law to change the name of the agency, located at 100 Wall Street, 14^th Floor, Borough of Manhattan, New York 10005, from Taipeibank to Taipei Fubon Commercial Bank Co., Ltd., effective January 1, 2005, received.

January 12, 2005 (TM-LFS)
PRINCESS GATE HOLDINGS LIMITED
350 Fifth Avenue, New York, NY 10118

Application for the Superintendent’s prior approval of a change of control of Choice Money Transfer Inc., 350 Fifth Avenue, New York, NY 10118, filed pursuant to Article XIII-B of the Banking Law, Section 652-a, was received.

January 18, 2005 (CC-LFS)
UNITED CHECK CASHING CORP.
66-33 Grand Avenue, Maspeth, NY 11378

Application for a license to engage in business as a casher of checks in connection with the purchase of the business operated by JWJ Check Cashing Corp. at 382 Mother Gaston Boulevard (f/k/a 382 Stone Avenue), Brooklyn, NY 11212 was received. (Branch)

January 18, 2005 (CC-LFS)
SUNRISE CHECK CASHING SERVICES, LLC
580 Sunrise Highway, Baldwin, NY 11510

Applications for licenses to engage in business as a licensed casher of checks at the following locations were received:

• 1315 Grand Avenue, North Baldwin, NY 11510-1439,

• 85-18 Queens Boulevard, Elmhurst, NY 11373-4249, and

• 301 Franklin Avenue, Franklin Square, NY 11010-1329.
  (Branches)

January 18, 2005 (PF-LFS)
AICCO, INC.
101 Hudson Street, Jersey City, NJ 07302

Application for a license to engage in business as an insurance premium finance agency at the above location was received.

January 19, 2005  (SB-CRB)
JAMESTOWN SAVINGS BANK
311 East Fairmount Avenue, Lakewood, NY 14750

Application dated January 12, 2005 for permission to open and occupy a branch office at 3670 South McKinley Parkway, Town of Hamburg, Erie County, NY 14219, received.

January 19, 2005  (TR-crb)
NORTH FORK BANK
245 Love Lane, Mattituck, NY 11952

Notice of intention to establish an electronic facility (six automated teller machines) at 14 Wall Street, Borough of Manhattan, City of New York 10005, received.

January 20, 2005  (MS-CRB)
UNITED COMMERCIAL BANK
555 Montgomery Street, San Francisco, CA 94111

Application dated January 14, 2005 for permission to open and occupy a branch office at 41-80 Main Street, Flushing, Borough of Queens, City of New York 11355, 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:

January 19, 2005 (BR-MBD)
Applicant(s)
John Gerard Gentile
As: Metropolitan Home Mortgage Corp.
116-28 Myrtle Avenue, Richmond Hill, NY 11418

January 19, 2005 (BR-MBD)
Applicant(s)
Quentin Phillip Caruana
As: DCG Mortgage In Lieu of True Name DCG Home Loans, Inc.
23332 Mill Creek Drive, Suite 230, Laguna Hills, CA 92653

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

January 19, 2005 (MB-MBD)
Applicant(s)
David J. Sisti
Jorge G. Fernandes
As: Equity Concepts, Inc.
1140 Reservoir Avenue, Cranston, RI 02920

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:

January 14, 2005 (BR-MBD)
From: Applicant(s)
Jeffrey S. Strauss
As: Strauss Mortgage Group, LLC c/o Mitchell Baker,Esq.
One North Lexington Avenue, White Plains, NY 10601
To: Strauss Mortgage Group, LLC
2 Gannett Drive, Suite 102, White Plains, NY 10604

January 19, 2005 (BR-MBD)
From: Applicant(s)
Richard Jason Griffin
John Grady Griffin
As: Innova, Ltd. D/B/A Innova Mortgage of New York
452 Wilcrest Drive, Houston, TX 77042
To: Innova, Ltd. D/B/A Innova Mortgage of New York
1403 West Hilshire Park Drive, Houston, TX 77055 3266

January 19, 2005 (BR-MBD)
From: Applicant(s)
Billie Edward Phillips
As: Phillips Realty & Associates, Ltd.
3 Seacourt Lane, Port Jefferson, NY 11777

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

January 18, 2005 (BR-MBD)
Loan Solicitation Office
MortgageOpt, Corp.
107 North Main Street, Suite 2, New City, NY 10956

January 18, 2005 (BR-MBD)
Full Service Branch
Carteret Mortgage Corporation
8167 Main Street, Suite 201, Ellicott City, MD 21043

January 18, 2005 (BR-MBD)
Full Service Branch
Carteret Mortgage Corporation
1555 Kisker Road, Suite 140, St. Charles, MO 63304

January 19, 2005 (BR-MBD)
Full Service Branch
The Home Funding Group, LLC
4 Old Mill Plain Road, Danbury, CT 06811

January 19, 2005 (BR-MBD)
Full Service Branch
The Home Funding Group, LLC
150 White Plains Road, Suite 101, Tarrytown, NY 10591

January 19, 2005 (BR-MBD)
Loan Solicitation Office
Gotham City Mortgage Corp.
792 Carman Avenue, Westbury, NY 11590

January 19, 2005 (BR-MBD)
Loan Solicitation Office
Gotham City Mortgage Corp.
1400 Castle Hill Avenue, Bronx, NY 10462

January 19, 2005 (BR-MBD)
Loan Solicitation Office
Allied Financial LLC
1812 Bath Avenue, Suite 202, Brooklyn, NY 11214

January 19, 2005 (BR-MBD)
Full Service Branch
Paramount Equities Group, Inc.
111 North Central Avenue, Suite 350, Hartsdale, NY 10530

January 19, 2005 (BR-MBD)
Full Service Branch
Carteret Mortgage Corporation
108 North Main Street, Suite 201, Spring Valley, NY 10977

January 19, 2005 (BR-MBD)
Loan Solicitation Office
The Funding Depot, Inc.
583 Route 32, Suite #5, Highland Mills, NY 10930

January 19, 2005 (BR-MBD)
Full Service Branch
AT Mortgage Inc. DBA 1st Capital Home Mortgage
303 South Broadway, Suite 235, Tarrytown, NY 10591

January 19, 2005 (BR-MBD)
Loan Solicitation Office
Riverview Mortgage Corp.
1635 Brooks Avenue West, Rochester, NY 14624

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

January 19, 2005 (MB-MBD)
Full Service Branch
Countrywide Home Loans, Inc. DBA America's Wholesale Lender
132 Great Road, Suite 204, Stow, MA 01775

January 19, 2005 (MB-MBD)
Full Service Branch
Superior Home Mortgage In Lieu of True Name Superior Mortgage Corp.
4 Foster Avenue, Suite B, Gibbsboro, NJ 08026

January 19, 2005 (MB-MBD)
Full Service Branch
MCS Mortgage Bankers, Inc. DBA Wholesale Direct Additional DBA(S): Archer Capital
40-18 Bell Boulevard, Bayside, NY 11361

January 19, 2005 (MB-MBD)
Loan Solicitation Office
Sterling Empire Funding Associates Ltd.
79 Grammatan Avenue, Mount Vernon, NY 10550

January 19, 2005 (MB-MBD)
Full Service Branch
Equity Concepts, Inc.
3415 West Chester Pike, Newtown Square, PA 19073

SECTION II

January 3, 2005 (CC-LFS)
C.L.B. CHECK CASHING, INC.
222-06 South Conduit Avenue, Springfield Gardens, NY 11413

License to operate a limited station check casher at Hunts Point Terminal Produce Cooperative Association, Inc., Lobby Row B – New York City Terminal Market, Bronx, NY 10474 was approved. (Branch)

January 13, 2005  (SB-CRB)
APPLE BANK FOR SAVINGS
1075 Central Park Avenue, Scarsdale, NY 10583

Authorization issued to open and occupy a branch office at Space #1414, Staten Island Mall, 2655 Richmond Avenue, Borough of Staten Island, City of New York 10314, on or after January 14, 2005.

January 13, 2005  (TR-CRB)
NORTH FORK BANK
245 Love Lane, Mattituck, NY 11952

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility (automated teller machine) at Pier 59, Chelsea Piers Golf Club, Borough of Manhattan, City of New York 10011.

January 14, 2005 (CC-LFS)
COMMUNITY CHECK CASHING CORP.
5204 16th Avenue, Brooklyn, NY 11204

Application for leave to change the place of doing business to 5408 16th Avenue, Brooklyn, NY 11204 was approved.

January 18, 2005 (PF-LFS)
AICCO, INC.
101 Hudson Street, Jersey City, NJ 07302

Notification of the change of address of the office at 160 Water Street, New York, NY 10038 to 80 Pine Street, 6th floor, New York, NY, 10005 was received.

January 18, 2005 (PF-LFS)
AICCO, INC.
101 Hudson Street, Jersey City, NJ 07302

License to engage in business as an insurance premium finance agency at Connell Corporate Center I, Berkley Heights, NJ 07922, was surrendered.

January 18, 2005 (PF-LFS)
A.I. CREDIT CORP.
101 Hudson Street, Jersey City, NJ 07302

Notification of the change of address of the office at 160 Water Street, New York, NY 10038 to 101 Hudson Street, Jersey City, NJ 07302 and the designation of the latter as the new corporate headquarters was received.

January 18, 2005 (PF-LFS)
A.I. CREDIT CORP.
101 Hudson Street, Jersey City, NJ 07302

License to engage in business as an insurance premium finance agency at Connell Corporate Center I, Berkley Heights, NJ 07922, was surrendered.

January 18, 2005 (SB-CRB)
HUDSON RIVER BANK & TRUST COMPANY
One Hudson City Centre, Hudson, NY 12534

Hudson River Bank & Trust Company merged with and into First Niagara Bank, a federally chartered institution, effective at the close of business January 14, 2005.

January 18, 2005 (BK-CRB)
FIRST NIAGARA COMMERCIAL BANK
433 River Street, Troy, NY 12180
HUDSON RIVER COMMERCIAL BANK
72 Mohawk Street, Cohoes, NY 12047

The Superintendent of Banks has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of the close of business, January 14, 2005, an Agreement and Plan of Merger, dated as of January 14, 2005, and other required documents, providing for the merger of Hudson River Commercial Bank with and into First Niagara Commercial Bank, under the name of First Niagara Commercial Bank.

The principal office of Hudson River Commercial Bank at  72 Mohawk Street, Cohoes, NY 12047, has become a branch office of First Niagara Commercial Bank.

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

January 13, 2005 (MB-MBD)
DeepGreen Financial, Inc.
5800 Lombardo Center, Suite 100, Seven Hills, OH 44131

January 18, 2005 (MB-MBD)
Mortgage Source LLC
55 Northern Boulevard, Suite 400, Great Neck, NY 11021

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

January 14, 2005 (BR-MBD)
Miralex Mortgage, Inc.
140-35 243rd Street, Rosedale, NY 11422

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

January 13, 2005 (BR-MBD)
Tri State Capital
151 East Post Road, Suite 102, White Plains, NY 10601
Effective Date: January 07, 2005

January 13, 2005 (BR-MBD)
Marquis Mortgage Corp.
39 Ontario Street, Huntington, NY 11743
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Osborne Nichols Hall & Associates D/B/A Able Funding
32 East Park Avenue, Long Beach, NY 11561
Effective Date: January 13, 2005

January 19, 2005 (BR-MBD)
Home Source Funding Group, Inc.
24 East Park Avenue, Long Beach, NY 11561 3504
Effective Date: January 19, 2005

January 19, 2005 (BR-MBD)
U.S.A. Money Depot, Inc.
One Meadow Lane, Mill Neck, NY 11765
Effective Date: January 19, 2005

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

January 13, 2005 (BR-MBD)
Full Service Branch
Clayton James Power DBA Allied Mortgage Services
12 N. Main Street, P.O. Box 369, Broadalbin, NY 12025
Effective Date: January 11, 2005

January 13, 2005 (BR-MBD)
Full Service Branch
Clayton James Power DBA Allied Mortgage Services
7 Wells Street, Suite 201, Saratoga Springs, NY 12866
Effective Date: January 11, 2005

January 13, 2005 (BR-MBD)
Full Service Branch
Home State Funding Solutions, LLC.
38-40 Main Street, Suite 303, Flushing, NY 11354
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
19 Arlington Street, Patchogue, NY 11722
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
5090 N. 40th Street, Suite #180, Phoenix, AZ 85019
Effective Date: April 22, 2004

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
516 W. Boston Post Rd., 2nd Floor, Mamaroneck, NY 10543
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
6 Century Hill Drive, Latham, NY 12110
Effective Date: January 30, 2004

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
99 Berry Street, Brooklyn, NY 11211
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
5801 Avenue N, Brooklyn, NY 11234
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
935 W. Beech Street, Long Beach, NY 11561
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
648B Rt. 25A, Rocky Point, NY 11778
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
220 Lake Avenue, St. James, NY 11780
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
181 South Franklin Ave., Ste. 104, Valley Stream, NY 11581
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
242 Old Country Road, Annex, Mineola, NY 11501
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
Osborne Nichols Hall & Associates D/B/A Able Funding
2160 Hempstead Turnpike, East Meadow, NY 11554
Effective Date: January 13, 2005

January 14, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
Five Concourse Parkway, Ste. 3000, Atlanta, GA 30328
Effective Date: December 15, 2004

January 19, 2005 (BR-MBD)
Full Service Branch
The Money Place, LLC
236 Remsen Avenue, Brooklyn, NY 11212
Effective Date: January 19, 2005

January 19, 2005 (BR-MBD)
Full Service Branch
The Money Place, LLC
43-22 50th St., Suite 2C, Woodside, NY 11377
Effective Date: January 19, 2005

January 19, 2005 (BR-MBD)
Loan Solicitation Office
NRF Funding Corp.
88 A Church Street, Freeport, NY 11520
Effective Date: January 17, 2005

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

January 18, 2005 (MB-MBD)
Full Service Branch
First Financial Equities Inc. DBA The Mortgage Doctors
3800 Tremont Avenue, Bronx, NY 10465
Effective Date: January 17, 2005

January 18, 2005 (MB-MBD)
Full Service Branch
American Home Mortgage Corp. DBA American Home Mortgage Additional DBA(S): Mortgage Select, American Brokers Conduit, CNI
538 Broadhollow Road, Suite 315-E, Melville, NY 11747
Effective Date: January 14, 2005

January 18, 2005 (MB-MBD)
Full Service Branch
American Home Mortgage Corp. DBA American Home Mortgage Additional DBA(S): Mortgage Select, American Brokers Conduit, CNI
121 N. 9th Street, DeKalb, IL 60115
Effective Date: January 14, 2005

January 19, 2005 (MB-MBD)
Loan Solicitation Office
First Greenwich Funding In Lieu of True Name Greenwich Home Mortgage Corp.
570 Taxter Road, Suite 335, Elmsford, NY 10523
Effective Date: January 13, 2005

January 19, 2005 (MB-MBD)
Loan Solicitation Office
First Estate Funding Corp.
4625 White Plains Road, Bronx, NY 10470
Effective Date: January 18, 2005

January 19, 2005 (MB-MBD)
Full Service Branch
Precision Financial, Inc.
109-12 Farmers Blvd., Jamaica, NY 11412
Effective Date: June 13, 2004

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

January 14, 2005 (BR-MBD)
Interlink Mortgage Corporation
56 Sharon Drive, Coram, NY 11727 1923
Effective Date: December 30, 2004

January 18, 2005 (BR-MBD)
Tribeca Mortgage Corp.
1979 Marcus Avenue, Suite 210, Lake Success, NY 11042
Effective Date: January 15, 2005

Mortgage Banker License Name Changes:

January 19, 2005 (MB-MBD)
From: Homestead Funding Corp.
To: Homestead Funding Corp. D/B/A First Niagara Mortgage

Mortgage Broker Certificate Address Changes:

January 13, 2005 (BR-MBD)
Academy Mortgage Corp.
From: 375 Fulton Street, Farmingdale, NY 11735
To: 105 Conklin Street, Farmingdale, NY 11735

January 13, 2005 (BR-MBD)
Guidance Mortgage Corporation
From: 264 Hillside Avenue, Suite A, Williston Park, NY 11596
To: 260 Post Avenue, Westbury, NY 11590

January 13, 2005 (BR-MBD)
ANM Funding LLC
From: 4203 13th Avenue, Brooklyn, NY 11219
To: 3811 13th Avenue, 3rd Floor, Brooklyn, NY 11219

January 14, 2005 (BR-MBD)
Interlink Mortgage Corporation
From: 130B Suffolk Avenue, Central Islip, NY 11722
To: 56 Sharon Drive, Coram, NY 11727 1923

Mortgage Banker License Address Changes:

January 13, 2005 (MB-MBD)
Freedom Mortgage Corporation d/b/a Jefferson Home Mortgage and Loan
From: 1000 Atrium Way, Suite 300, Mount Laurel, NJ 08054
To: 907 Pleasant Valley Avenue, Suite 3, Mount Laurel, NJ 08054

January 18, 2005 (MB-MBD)
American Home Mortgage Corp. DBA American Home Mortgage Additional DBA(S): Mortgage Select, American Brokers Conduit, CNI
From: 520 Broadhollow Road, Melville, NY 11747
To: 538 Broadhollow Road, Melville, NY 11747

Mortgage Broker Branch Certificate Address Changes:

January 13, 2005 (BR-MBD)
First Rochester Mortgage Corp. Additional DBA(S): Uni-Source Funding, Centerpointe Mortgage
From: 19805 Orchard Drive, Watertown, NY 13601
To: 121 Brandy Brook Lane, Rochester, NY 14612

January 14, 2005 (BR-MBD)
NovaStar Home Mortgage, Inc.
From: 525 E. 100 S., #450, Salt Lake City, UT 84102
To: 230 West 200 South, Suite 3102, Salt Lake City, UT 84102

Mortgage Banker Branch License Address Changes:

January 19, 2005 (MB-MBD)
Countrywide Home Loans, Inc. DBA America's Wholesale Lender
From: 12701 Fair Lakes Circle, Suite 340, Fairfax, VA 22033
To: 12701 Fair Lakes Circle, Suite 101, Fairfax, VA 22033

The following offices of Mortgage Banking Institutions have converted:

January 19, 2005 (MB-MBD)
From: Loan Solicitation Office
To: Full Service Office
All American Home Mortgage Corp DBA All American Mortgage Bankers
535 Broad Hollow Road, Suite A18, Melville, NY 11747

The following registered mortgage broker paid a fine for its failure to submit timely a Volume of Operations Report for the year 2003 which is required pursuant to Section 597 of the Banking Law.  The hearing scheduled on January 12, 2005 for the purpose of determining whether its mortgage broker registration should be revoked has been canceled.

January 19, 2005 (BR-MBD)
Wall Street Home Funding In Lieu of True Name Wall Street Capital Funding Inc.
1818 Lakefiield Ct.- 2nd Floor, Conyers, GA 30013 1734
Amount - $1,000.00
Date Levied: January 12, 2005

THERE WILL BE NO SECTION III THIS WEEK.