Mortgagee Review Board: Administrative Actions, 3479-3483 [2010-1091]
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Federal Register / Vol. 75, No. 13 / Thursday, January 21, 2010 / Notices
Web site at https://www.justice.gov/crt/
osc/index.php.
it voluntarily surrendered its license to
originate mortgages.
[FR Doc. 2010–1169 Filed 1–20–10; 8:45 am]
2. Americare Investment Group, Inc.
d/b/a/Premiere Capital Lending,
Arlington, TX [Docket No. 08–8082–MR]
Action: On October 8, 2009, the Board
entered into a settlement with
Americare Investment Group, Inc’s.,
d/b/a Premiere Capital Lending
(Americare) requiring, without the
admission of fault or liability, the
payment of a civil money penalty of
$124,000 and placing Americare on
probation for a period of six months.
During the period of probation,
Americare will be required to obtain
and provide to HUD post-closing
reviews on all construction-topermanent loans closed during the
period.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: (1) Failing to include required
loan documents and information and (2)
failing to ensure that the maximum
mortgage amount was properly
calculated, resulting in over-insured
mortgages.
BILLING CODE 9111–97–P
DEPARTMENT OF HOUSING AND
URBAN DEVELOPMENT
[Docket No. FR–5364–N–01]
Mortgagee Review Board:
Administrative Actions
AGENCY: Office of the Assistant
Secretary for Housing-Federal Housing
Commissioner, Department of Housing
and Urban Development (HUD).
ACTION: Notice.
SUMMARY: In compliance with Section
202(c) of the National Housing Act, this
notice advises of the cause and
description of administrative actions
taken by HUD’s Mortgagee Review
Board against HUD-approved
mortgagees.
FOR FURTHER INFORMATION CONTACT: Julie
Shaffer, Acting Secretary to the
Mortgagee Review Board, 451 Seventh
Street, SW., Room 3150, Washington,
DC 20410–8000; telephone: (215) 861–
7216. A Telecommunications Device for
Hearing- and Speech-Impaired
Individuals (TTY) is available at (800)
877–8339 (Federal Information Relay
Service).
Section
202(c)(5) of the National Housing Act
(added by Section 142 of the
Department of Housing and Urban
Development Reform Act of 1989, Pub.
L. 101–235, approved December 15,
1989), requires that HUD ‘‘publish a
description of and the cause for
administrative action against a HUDapproved mortgagee’’ by the
Department’s Mortgagee Review Board
(Board). In compliance with the
requirements of Section 202(c)(5), this
notice advises of actions that have been
taken by the Board from July 10, 2008
to August 4, 2009.
SUPPLEMENTARY INFORMATION:
I. Settlement Agreements, Civil Money
Penalties, Withdrawal of FHA
Approval, Suspensions, Probations,
Reinstatement and Reprimand
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1. Ascella Mortgage, LLC, Manchester,
CT [Docket No. 09–9610–MR]
Action: On August 4, 2009, the Board
voted to immediately withdraw Ascella
Mortgage LLC’s (Ascella) FHA approval
for a period of one year.
Cause: The Board took this action
based on the following violation of
HUD/FHA requirements alleged by
HUD: Ascella failed to notify HUD that
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3. Beneficial Mortgage Corp., San Juan,
PR [Docket No. 09–9626–MR]
Action: On June 3, 2009, the Board
immediately suspended Beneficial
Mortgage’s (Beneficial) FHA approval
pending the outcome of a HUD review
and any ensuing legal proceedings.
Cause: The Board took this action
based on the following violation of
HUD/FHA requirements alleged by
HUD: Beneficial failed to notify HUD of
a business change affecting the
information upon which Beneficial was
originally approved. Specifically,
Beneficial failed to notify HUD that it
was the subject of an investigation by
the Puerto Rico Financial Institutions
Commissioner’s Office.
4. Community Home Lending, Inc.,
Birmingham, AL [Docket No. 09–8041–
MR]
Action: On July 1, 2009, the Board
entered into a settlement agreement
with Community Home Lending, Inc.’s
(Community) requiring Community to
pay a civil money penalty in the amount
of $11,500 without admitting fault or
liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Community violated third party
origination restrictions by allowing nonemployees to originate FHA-insured
mortgages; allowed an employee to
originate FHA-insured mortgages and
simultaneously work in the fields of
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property management and real estate;
failed to maintain a quality control (QC)
plan conforming to all HUD/FHA
requirements, including allowing its
reviews to be conducted by a loan
officer; and failing to conduct QC
reviews in 15 early default cases.
5. Eagle Nationwide Mortgage Company,
Chadds Ford, PA [Docket No. 09–9003–
MR]
Action: On July 29, 2009, the Board
entered into a settlement agreement
with Eagle Nationwide Mortgage
Company’s (Eagle) requiring Eagle to
pay a $3,500 civil money penalty
without admitting fault or liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Eagle distributed a direct mail
solicitation which improperly used the
name of the Federal Housing
Administration, thereby implying FHA
endorsement of Eagle’s programs.
Additionally, the text of the
advertisement implied that Eagle
employed FHA personnel.
6. Golden First Mortgage Corp., Great
Neck, New York [Docket No. 09–9625–
MR]
Action: On June 3, 2009, the Board
immediately suspended Golden First
Mortgage’s (Golden First) FHA approval
pending the outcome of the Office of
Inspector General’s investigation and
any ensuing legal proceedings.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Golden First failed to notify HUD
of a business change affecting the
information upon which Golden First
was originally approved. Specifically,
Golden First Mortgage failed to notify
HUD that its president was under
investigation by the Office of Thrift
Supervision, U.S. Department of
Treasury, and was a party to a civil
money penalty proceeding.
7. Great Country Mortgage Bankers,
Corp., Coral Gables, FL [Docket No. 09–
9618–MR]
Action: On June 3, 2009, the Board
immediately suspended Great Country
Mortgage Bankers Corporation’s (Great
Country) FHA approval pending the
outcome of a HUD review and any
ensuing legal proceedings.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Great Country failed to implement
a QC plan in compliance with HUD/
FHA requirements by failing to conduct
QC reviews on loans defaulting within
six months of origination; failed to
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assure exclusive employment with the
company for all staff; failed to disclose
business affiliations with the owners/
sellers of mortgages properties; and
failed to verify borrowers’ previous
rental histories.
8. Liberty Trust Mortgage Corporation,
Towson, MD [Docket No. 09–9820–MR]
Action: On August 4, 2009, the Board
immediately withdrew Liberty Trust
Mortgage Corporation’s (Liberty) FHA
approval for a period of one year.
Cause: The Board took this action
based on the following violation of
HUD/FHA requirements alleged by
HUD: Liberty failed to notify HUD of the
closure of its only office.
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9. Madison Home Equities, Inc., Carle
Place, NY [Docket No. 09–9820–MR]
Action: The Board entered into an
administrative agreement with Madison
Home Equities, Inc. (Madison), and
Madison’s president. The agreement
required Madison and its president to:
(1) Accept a permanent withdrawal of
Madison’s FHA-approval; (2) pay HUD
a civil money penalty in the amount of
$90,000; (3) indemnify HUD for 12
loans; and (4) post security totaling
$600,000 to guarantee payments on the
indemnifications. The agreement also
required Madison’s president to notify
HUD within ten days of new
employment or change in employment
with an FHA-approved mortgagee, a
business entity associated with the
origination, processing, and/or servicing
of Federally-related and/or governmentinsured mortgage loans, or any entity
providing consulting services relating to
Federally-related and/or governmentinsured mortgage loan origination,
processing, and/or servicing.
Furthermore, Madison’s president
agreed to notify, in writing, any current
or future employer that originates,
processes, and/or services Federallyrelated or government-insured mortgage
loans that she has entered into a
Consent Decree with the United States
in connection with activities relating to
Federally-related or government-insured
loans.
Cause: The Board took this action
based on violations of HUD/FHA
requirements which were identified and
alleged by the United States Attorney’s
Office for the Eastern Division of New
York.
10. Mortgage America Bankers, LLC,
Kensington, MD [Docket No. 08–8072–
MR]
Action: On September 18, 2009, the
Board entered into a settlement
agreement with Mortgage America
Bankers’ (Mortgage America) requiring
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the payment of a civil money penalty of
$10,000 without admitting fault or
liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Mortgage America failed to
implement and maintain an acceptable
QC plan and was unable to provide QC
reports for loans that closed in the years
2006 and 2007, indicating a failure to
conduct QC reviews.
terms of indemnification agreements it
had signed with the Department on
February 18, 2003, and February 10,
2005. As of July 27, 2008, Transland is
indebted to HUD for $278,901.
Transland failed to respond to an April
8, 2008, inquiry from HUD’s Financial
Operations Center in Albany, NY
regarding this debt.
11. Mortgage Depot, Inc., Las Vegas, NV
[Docket No. 09–9796–MR]
Action: On August 4, 2009, the Board
immediately withdrew Mortgage Depot,
Inc.’s, (Mortgage Depot) FHA approval
for a period of one year.
Cause: The Board took this action
based on the following violation of
HUD/FHA requirements alleged by
HUD: Mortgage Depot failed to notify
HUD of its receipt of a sanction notice
by the State of Nevada, Division of
Mortgage Lending, which proposed a
fine and revocation of Mortgage Depot’s
mortgage broker license.
Action: The Board immediately
withdrew Universal Bancorp, Ltd.’s
(Universal), FHA approval for a period
of one year.
Cause: The Board took this action
based on the following violation of
HUD/FHA requirements alleged by
HUD: Universal failed to notify HUD
that it had closed its only FHAapproved branch office.
12. Taylor, Bean and Whitaker Mortgage
Corporation, Ocala, FL [Docket No. 09–
9607–MR]
Action: On August 4, 2009, the Board
immediately suspended Taylor, Bean
and Whitaker Mortgage Corporation’s
(Taylor, Bean and Whitaker) FHA
approval to originate and underwrite
FHA loans pending completion of an
investigation by the HUD Office of
Inspector General and completion of a
review by HUD’s Office of Housing and
any ensuing legal proceedings.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Taylor, Bean and Whitaker failed
to timely file an annual audit report and
audited financial statements; submitted
false certification and/or misleading
information to Ginnie Mae; failed to
report irregularities in connection with
its FY 2008 audit by Deloitte & Touche;
failed to report irregularities in
connection with its loan origination
practices; failed to comply with HUD/
FHA’s approval requirements; and
submitted false certification on its
yearly verification report to HUD.
13. Transland Financial Services, Inc.,
Maitland, FL [Docket No. 08–8066–MR]
Action: On September 25, 2008, the
Board immediately and permanently
withdrew Transland Financial Services
Inc.’s (Transland) FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Transland failed to honor the
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14. Universal Bancorp, Ltd., Downers
Grove, IL [Docket No. 09–9553–MR]
15. World Alliance Financial
Corporation (formerly Vertical Lend,
Inc.), Melville, NY [Docket No. 07–7036–
MR]
Action: On April 3, 2009, the Board
entered into a settlement agreement
with World Alliance Financial
Corporation’s (World Alliance)
requiring the payment, without
admitting fault or liability, of a civil
money penalty in the amount of
$13,000.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: World Alliance failed to
implement and maintain a QC plan
containing all required elements for the
period April 2004 through September
2006. World Alliance also failed to
include any FHA insured mortgages in
its QC review sample for the period June
2006 to September 2006, despite World
Alliance’s origination of 320 FHAinsured mortgages during that time
period.
II. Lenders That Failed To Meet
Requirements for Annual
Recertification of HUD/FHA Approval
Action: The Board voted to
immediately withdrew the FHA
approval of each of the lenders listed
below for a period of one year.
Cause: The Board took this action
based upon allegations that the lenders
were not in compliance with the
Department’s annual recertification
requirements.
1. 1st Point Lending LLC, Milwaukee, WI
[Docket No. 09–9628–MR]
2. Aadus Banc Corp., Palatine, IL [Docket
No. 09–9630–MR]
3. AccessAmerica Mortgage LLC, Duluth,
GA [Docket No. 09–9631–MR]
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4. Advantage Home Finance, Pacifica, CA
[Docket No. 09–9632–MR]
5. Advent Mortgage LLC, Cranford, NJ
[Docket No. 09–9636–MR]
6. Affordable Mortgage Company,
Waterford, CT [Docket No. 09–9637–MR]
7. Aggressive Mortgage Corp., Richmond,
VA [Docket No. 09–9639–MR]
8. Alaska State Mortgage Inc., Anchorage,
AK [Docket No. 09–9640–MR]
9. American Home Mortgage Corp.,
Melville, NY [Docket No. 09–9642–MR]
10. American Mortgage Lending Services,
Inc., Chicago, IL [Docket No. 09–9644–MR]
11. American Residential Mortgage LP,
Saint Paul, MN [Docket No. 09–9645–MR]
12. Arrow Service Corp., Inc., Morrison,
CO [Docket No. 09–9647–MR]
13. Aurora Financial Services, Inc., New
Orleans, LA [Docket No. 09–9648–MR]
14. Bayside Financial Group, Inc.,
Annapolis, MD [Docket No. 09–9650–MR]
15. BBCP Holdings, Ltd., North Palm
Beach, FL [Docket No. 09–9651–MR]
16. BH Mortgage Partners LLC, Suwanee,
GA [Docket No. 09–9652–MR]
17. Citizens Trust Financial Group, Inc.,
Cockeysville, MD [Docket No. 09–9661–MR]
18. Continental Financial Group, Inc.,
Houma, LA [Docket No. 09–9018–MR]
19. Cosmopolitan Mortgage, Inc., Orange,
NJ [Docket No. 09–9665–MR]
20. Cresland Mortgage Company LLC,
Plymouth, MN [Docket No. 09–9667–MR]
21. Dove Capital Corporation, Corona, CA
[Docket No. 09–9674–MR]
22. Eclipse Mortgage, LLC, Lombard, IL
[Docket No. 09–9676–MR]
23. Equity Financial, Inc., East Brunswick,
NJ [Docket No. 09–9679–MR]
24. Executive World Corp., d/b/a Executive
Mortgage, Montebello, CA [Docket No. 09–
9135–MR]
25. Evolution Funding Inc., Wellington, FL
[Docket No. 09–9680–MR]
26. Fallon County Federal Credit Union,
Baker, MT [Docket No. 09–9681–MR]
27. Financial Capital, Inc., Redding, CA
[Docket No. 09–9682–MR]
28. First Capital Group, LP, Irvine, CA
[Docket No. 09–9683–MR]
29. First Fidelity Mortgage, Inc., Cranford,
NJ [Docket No. 09–9684–MR]
30. First Independent Mortgage LLC,
Burlington, MA [Docket No. 09–9685–MR]
31. First Magnus Financial Corp., Tucson,
AZ [Docket No. 09–9686–MR]
32. First National Bank and Trust, Beatrice,
NE [Docket No. 09–9687–MR]
33. Genesis Mortgage Services, Inc., Lutz,
FL [Docket No. 09–9691–MR]
34. Godwin Mortgage Group, Inc.,
Louisville, KY [Docket No. 09–9692–MR]
35. Great American Mortgage Services
Corp., Hamilton Square, NJ [Docket No. 09–
9695–MR]
36. Greenbrier Mortgage LLC, Charlotte, NC
[Docket No. 09–9697–MR]
37. Home Source Lending Group LLC,
Alpharetta, GA [Docket No. 09–9698–MR]
38. Homebuyers Funding LLC, Orlando, FL
[Docket No. 09–9700–MR]
39. Hunter Partners, Inc., Bakersfield, CA
[Docket No. 09–9701–MR]
40. Investors Mortgage Lending, Orlando,
FL [Docket No. 09–9703–MR]
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41. Lebanon Valley Farmers Bank,
Lebanon, PA [Docket No. 09–9136–MR]
42. Lendia LLC, Marlborough, MA [Docket
No. 09–9706–MR]
43. Main Street Bank and Trust,
Champaign, IL [Docket No. 09–9707–MR ]
44. Mid America Bank FSB, Downers
Grove, IL [Docket No. 09–9711–MR]
45. Midtowne Mortgage, Inc., Midvale, UT
[Docket No. 09–9712–MR]
46. Midwest Residential Lending LLC,
Tipp City, OH [Docket No. 09–9713–MR]
47. Millennium Capital Mortgage Co.,
Longwood, FL [Docket No. 09–9714–MR]
48. Moneyfirst Financial, Inc., Dallas, TX
[Docket No. 09–9715–MR]
49. NCW Community Bank, Wenatchee,
WA [Docket No. 09–9717–MR]
50. Nuestra Casa Mortgage, Inc., Santa Ana,
CA [Docket No. 09–9718–MR]
51. Phelan Financial Services, Inc., Phelan,
CA [Docket No. 09–9721–MR]
52. Premier Mortgage Funding, Inc.,
Clearwater, FL [Docket No. 09–9723–MR]
53. Premier Mortgage Group, Inc.,
Lexington, KY [Docket No. 09–9582–MR]
54. Prestige Capital Funding, Inc.,
Littleton, CO [Docket No. 09–9724–MR]
55. Prime Financial Corporation, Berwyn,
IL [Docket No. 09–9725–MR]
56. Professional Mtg Serv of Central
Florida, Inc., Orlando, FL [Docket No. 09–
9728–MR]
57. TCSB Mortgage Company, Traverse
City, MI [Docket No. 09–9739–MR]
58. The First National Bank & Trust,
Beatrice, NE [Docket No. 09–9740–MR]
59. The Mortgage House, Inc., Hialeah, FL
[Docket No. 09–9741–MR]
60. Traders National Bank-Tullahoma,
Tullahoma, TN [Docket No. 09–9742–MR]
61. Trinity Wealth Mortgage Corp.,
Lincoln, CA [Docket No. 09–9744–MR]
62. Truepointe Mortgage, Layton, UT
[Docket No. 09–9745–MR]
63. UMS LLC, Paramus, NJ [Docket No. 09–
9746–MR]
64. Velocity Lending LLC, Clark, NJ
[Docket No. 09–9751–MR]
65. Wes Holding Corporation, Charlotte,
NC [Docket No. 09–9256–MR]
66. West Michigan Finance, Inc., Portage,
MI [Docket No. 09–9752–MR]
67. Wow Financial LLC, Conshohocken,
PA [Docket No. 09–9754–MR]
III. Lenders That Failed To Timely
Meet Requirements for Annual
Recertification of HUD/FHA Approval
Action: The Board entered into
settlement agreements with the lenders
listed below, which required each
lender to pay a $3,500 civil money
penalty, without admitting fault or
liability.
Cause: The Board took this action
based upon allegations that the lenders
listed below failed to comply with the
Department’s annual recertification
requirements in a timely manner.
1. 1st Choice Mortgage, Inc., Shelby
Township, MI [Docket No. 09–9376–MR]
2. 1st Elite Home Loans LLC, Mount
Laurel, NJ [Docket No. 09–9382–MR]
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3. Access Financial Group, Inc.,
McDonough, GA [Docket No. 09–9378–MR]
4. Ace Mortgage LLC, Mandeville, LA
[Docket No. 09–9763–MR]
5. All American Home Mortgages LLC,
Henderson, NV [Docket No. 09–9764–MR]
6. American Capital Mortgage Corp.,
Portland, OR [Docket No. 09–9765–MR]
7. America Funding, Inc., McLean, VA
[Docket No. 09–9502–MR]
8. American Pioneer Mortgage Serv.,
Boynton Beach, FL [Docket No. 09–9505–
MR]
9. Bank of Tennessee, Kingsport, TN
[Docket No. 09–9768–MR]
10. Blue Chicago Financial Corp. Chicago,
IL [Docket No. 09–9514–MR]
11. Citigroup Global Markets Realty Corp.,
New York, NY [Docket No. 09–9306–MR]
12. Community One Mortgage LLC,
Colorado Springs, Co [Docket No. 09–9385–
MR]
13. Drexel Mortgage Corp., South
Richmond Hill, NY [Docket No. 09–9364–
MR]
14. Five Star Mortgage Services, Inc.,
Jacksonville, FL [Docket No. 09–9400–MR]
15. Flatbush Federal Savings Ala,
Brooklyn, NY [Docket No. 09–9772–MR]
16. Genesis Home Mortgage Corporation,
Hauppauge, NY [Docket No. 09–9412–MR]
17. Griffith & Blair American Home Mtg
LLC, a/k/a Legacy Lenders Group, [Docket
No. 09–9356–MR]
18. Hartford Financial Group, Dublin, OH
[Docket No. 09–9392–MR]
19. Home Source Mortgage, Inc., Tustin,
CA [Docket No. 09–9506–MR]
20. Hutchinson Government ECU,
Hutchinson, KS [Docket No. 09–9237–MR]
21. Intercontinental Capital Group, Inc.,
New York, NY [Docket No. 09–9388–MR]
22. Liberty Mortgage Funding, Inc., Shelby
Township, MI [Docket No. 09–9333–MR]
23. Magnolia Mortgage Company LLC,
Mobile, AL [Docket No. 09–9417–MR]
24. Milford Bank, Milford, CT [Docket No.
09–9775–MR]
25. Minnwest Bank Montevideo,
Montevideo, MN [Docket No. 09–9776–MR]
26. Minnwest Bank MV, Redwood Falls,
MN [Docket No. 09–9120–MR]
27. Mutual Security Credit Union, Wilton,
CT [Docket No. 09–9249–MR]
28. Now Mortgage Services, Inc.,
Kennewick, WA [Docket No. 09–9346–MR]
29. Numerica Mortgage LLC, Virginia
Beach, VA [Docket No. 09–9510–MR]
30. Paladin Financial Services Corporation,
Longwood, FL [Docket No. 09–9516–MR]
31. PHH Preferred Mortgage,
Conshohocken, PA [Docket No. 09–9381–
MR]
32. Pilot Bank, Tampa, FL [Docket No. 09–
9777–MR]
33. Priority Mortgage Corp. of Wichita,
Wichita, KS [Docket No. 09–6504–MR]
34. Pro Buy Equities Corp., Los Angeles,
CA [Docket No. 09–9778–MR]
35. Remington Mortgage, Ltd., Plano, TX
[Docket No. 09–9469–MR]
36. Republic Mortgage Financial Serv.
Corp., Fenton, MI [Docket No. 09–9425–MR]
37. The First National Bank & Trust Co.,
Iron Mountain, MI [Docket No. 09–9783–MR]
38. Trinity Financial, Inc., Verona, PA
[Docket No. 09–9507–MR]
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39. Utah Mortgage Loan Corp., Midvale,
UT [Docket No. 09–9472–MR]
40. Williamette Valley Bank, Salem, OR
[Docket No. 09–9784–MR]
41. Zuniga Enterprises, Inc., Santa Ana, CA
[Docket No. 09–09–9391–MR]
IV. Lenders That Failed To Meet
Annual FHA Approval Requirements
and Later Cured the Violations
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Action: The Board entered into
settlement agreements with each lender
listed below, which required the lenders
to pay, without admitting fault or
liability, a $1,000 administrative fee and
cure the violations within 30 days
Cause: The Board took this action
based upon allegations that each of the
lenders failed to timely meet the annual
recertification requirements.
1. 1st Alliance Banc Corporation, Chicago,
IL [Docket No. 09–9044–MR]
2. Aarow Mortgage Services, Inc., Laurel,
MD [Docket No. 09–9053–MR]
3. Accunet Mortgagecom LLC, Butler, WI
[Docket No. 09–9309–MR]
4. Albina Community Bank, Portland, OR
[Docket No. 09–9231–MR]
5. Allied Credit Union, Houston, TX
[Docket No. 9178–MR]
6. Amber Financial Group, LLC, San Diego,
CA [Docket No. 09–9176–MR]
7. American Momentum Bank, Tampa, FL
[Docket No. 09–9122–MR]
8. American Mortgage Services, Melrose,
MA [Docket No. 09–9021–MR]
9. Amerilending and Associates Corp.,
Miami, FL [Docket No. 09–9005–MR]
10. Amston Mortgage Company, Inc.,
Moodus, CT [Docket No. 09–9288–MR]
11. Amwest Capital Mortgage, Inc.,
Escondido, CA [Docket No. 08–8060–MR]
12. Bank of Tucson, Tucson, AZ [Docket
No. 09–9295–MR]
13. Beacon Financial Group, Inc.,
Melbourne, FL [Docket No. 09–9282–MR]
14. Best Mortgage Services LLC, Detroit, MI
[Docket No. 09–9521–MR]
15. Blue Eagle Corporation, Elgin, IL
[Docket No. 09–9201]
16. Bogman, Inc., Silver Spring, MD
[Docket No. 09–9095–MR]
17. C&A Financial Enterprises, Inc.,
Macon, GA [Docket No. 09–9347–MR]
18. Capital Access Mortgage, Denver, CO
[Docket No. 09–9351–MR]
19. Carrollton Mortgage Co., Modesto, CA
[Docket No. 09–9523–MR]
20. Centerline Capital Group, Inc. New
York, NY [Docket No. 09–9160–MR]
21. Central Kentucky Federal Savings
Bank, Danville, KY [Docket No. 09–9299–
MR]
22. CFCU Community Credit Union, Ithaca,
NY [Docket No. 09–9130–MR]
23. Chicagoland Mortgage Exchange, Inc.,
Chicago, IL [Docket No. 09–9139–MR]
24. Citizens National Bank, Meridian, MS
[Docket No. 09–9243–MR]
25. Clayton Peters & Associates, Inc.,
Baltimore, MD [Docket No. 09–9013–MR]
26. CMS Mortgage Solutions, Inc.,
Chesapeake, VA [Docket No. 09–9526–MR]
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27. Colonial Mortgage Service Company,
Montgomeryville, PA [Docket No. 09–9208–
MR]
28. Connecticut Housing Inv. Fund, Inc.,
Hartford, CT [Docket No. 08–8046–MR]
29. Crestwood Mortgage Company,
Bensalem, PA [Docket No. 09–9371–MR]
30. DLF Enterprises, Inc., West Bend, WI
[Docket No. 09–9529–MR]
31. Drew Mortgage Associates, Inc.,
Shrewsbury, MA [Docket No. 09–9247–MR]
32. E and S Financial Group, Inc.,
Farmington Hills, MI [Docket No. 09–9312–
MR]
33. Exigent Mortgage Corporation, Palm
Harbor, FL [Docket No. 09–9134–MR]
34. Farmers State Bank, Watkins, MN
[Docket No. 09–9081–MR]
35. Fidelity Mortgage Group, West
Memphis, AR [Docket No. 09–9099–MR]
36. Financial Security Bank, Kerkhoven,
MN [Docket No. 09–9116–MR]
37. First Financial Bank, Stephenville, TX
[Docket No. 09–9111–MR]
38. First Home Equity, Inc., Mauldin, SC
[Docket No. 09–9533–MR]
39. First Sentinel Bank, Richlands, VA
[Docket No. 09–9106–MR]
40. Frontier Bank, Rock Rapids, IA [Docket
No. 09–9181–MR]
41. Fullerton National Bank, Fullerton, NE
[Docket No. 09–9167–MR]
42. Gateway Bank Mortgage, Inc., Raleigh,
NC [Docket No. 09–9109–MR]
43. Griffith & Blair American Home
Mortgage, [Docket No. 09–9356–MR],
44. Home Mortgage Bankers, Carolina, PR
[Docket No. 09–9206]
45. Homeownership Solutions, LLC, West
Hartford, CT [Docket No. 09–9150–MR]
46. InterNational Bank, McAllen, TX
[Docket No. 09–9109–MR]
47. Inventive Mortgage Corp., Westchester,
IL [Docket No. 09–9210–MR]
48. Keystone Community Bank, Kalmazoo,
MI [Docket No. 09–9186–MR]
49. Lapeer County Bank & Trust Co.,
Lapeer, MI [Docket No. 09–9066–MR]
50. Leiman Mortgage Network, Lakewood,
NJ [Docket No. 09–9079–MR]
51. Live Well Financial, Inc., Richmond,
VA [Docket No. 09–9352–MR]
52. Mainstream Finance, Bangor, ME
[Docket No. 08–8064–MR]
53. Marine Funding, Inc., South Richmond
Hill, NY [Docket No. 09–9352–MR]
54. Massachusetts Housing Investment
Corp., Boston, MA [Docket No. 09–9073–MR]
55. Midwest Custom Mortgage, Inc., Elgin,
IL [Docket No. 09–9270–MR]
56. Money Connection, Inc., Fairlawn, OH
[Docket No. 09–9273–MR]
57. Mortgage Options of America, Inc.,
Winchester, MA [Docket No. 09–9102–MR]
58. Mortgage Security, Inc., East Falmouth,
MA [Docket No. 09–9289–MR]
59. Mortgage Services of Louisiana, Inc.,
Harahan, LA [Docket No. 09–9274–MR]
60. Mountainside Mortgage LLC, Salt Lake
City, UT [Docket No. 09–9188–MR]
61. MSI Mortgage Services III, LLC,
Bloomington, IL [Docket No. 09–9330–MR]
62. NetCentral Mortgage, LLC, Milwaukee,
WI [Docket No. 09–9254–MR]
63. North Atlantic Mortgage Corp., Silver
Spring, MD [Docket No. 09–9156–MR]
PO 00000
Frm 00041
Fmt 4703
Sfmt 4703
64. Northern Corridor Community Federal
Credit Union, Rouses Point, NY [Docket No.
09–9223–MR]
65. Odin State Bank, Odin, MN [Docket No.
09–9300–MR]
66. Old J Corporation, Riverside, CA
[Docket No. 08–8055–MR]
67. Oriental Bank and Trust, San Juan, PR
[Docket No. 09–9538–MR]
68. Pacific Community Credit Union,
Fullerton, CA [Docket No. 09–9539–MR]
69. Palace Home Mortgage Corporation,
Olympia Fields, IL [Docket No. 09–9301–MR]
70. Peoples Federal Savings Bank, Auburn,
IN [Docket No. 09–9144–MR]
71. Performance Residential Capital Corp.,
Farmingdale, NY [Docket No. 09–9540–MR]
72. Pinnacle Bank Wyoming, Cody, WY
[Docket No. 9214–MR]
73. Premier Financial Funding, Inc.,
Fulton, MD [Docket No. 09–9355–MR]
74. Premium Mortgage Corp., Rochester,
NY [Docket No. 09–9315–MR]
75. Pro-Buy Equities Corporation, Los
Angeles, CA [Docket No. 09–9193–MR]
76. Proficio Mortgage Ventures LLC,
Jacksonville, FL [Docket No. 09–9105–MR]
77. Rapid City Telco Federal Credit Union,
Rapid City, SD [Docket No. 09–9216–MR]
78. RF Mortgage and Investment Corp., San
Juan, PR [Docket No. 09–9108–MR]
79. RMK Financial Corporation, Rancho
Cucamonga, CA [Docket No. 09–9209–MR]
80. Rockland Savings Bank, FSB,
Rockland, ME [Docket No. 09–9245–MR]
81. Ryland Mortgage, Calabasa, CA [Docket
No. 09–9033–MR]
82. Shell Lake State Bank, Shell Lake, WI
[Docket No. 09–9257–MR]
83. Shore Community Bank, Toms River,
NJ [ Docket No. 09–9174–MR]
84. Skyline Mortgage, LLC, a/k/a Alpha
Mortgage Associates, Inc., [Docket No. 09–
9195–MR]
85. Society Financial Corp., Farmington,
CT [Docket No. 09–9324–MR]
86. South DeKalb Church Federal Credit
Union, Decatur, GA [Docket No. 09–9265–
MR]
87. Southern Missouri Bank of Marshfield,
Marshfield, MO [Docket No. 09–9286–MR]
88. Sunrise Vista Mortgage Corp., Citrus
Heights, CA [Docket No. 09–9541–MR]
89. TBI Mortgage Company, Horsham, PA
[Docket No. 09–9542–MR]
90. Texoma Community Credit Union,
Wichita Falls, TX [Docket No. 09–9032–MR]
91. Total Mortgage Services LLC, Milford,
CT [Docket No. 09–9345–MR]
92. Traco Financial Corporation, Salibury,
MD [Docket No. 09–9544–MR]
93. Troy Mortgage Corporation, Inc.,
Greenwood Village, Co [Docket No. 09–9275–
MR]
94. Union Bank Benton, Benton, AZ
[Docket No. 09–9222–MR]
95. Urban Trust Bank, Lake Mary, FL
[Docket No. 09–9251–MR]
96. US Mortgage Network, Sewickley, PA
[Docket No. 09–9335–MR]
97. Village Oaks Financial Group, Bullhead
City, AZ [Docket No. 08–8057–MR]
98. Wachovia Equity Servicing LLC (Title
II), Charlotte, NC [Docket No. 09–9255–MR]
99. Westerly Community Credit Union,
Westerly, RI [Docket No. 09–9119–MR]
E:\FR\FM\21JAN1.SGM
21JAN1
Federal Register / Vol. 75, No. 13 / Thursday, January 21, 2010 / Notices
100. Westfield Bank FSB, Medina, OH
[Docket No. 09–9207–MR]
101. Westsound Bank, Bremerton, WA
[Docket No. 09–9281–MR]
102. Wholesale Capital Corp., Moreno
Valley, CA [Docket No. 08–8038–MR]
103. Willamette Valley Bank, Salem, OR
[Docket No. 09–9067–MR]
104. Yankee Mortgage Company LLC,
Glastonbury, CT [Docket No. 09–9072–MR]
Dated: December 18, 2009.
David H. Stevens,
Assistant Secretary for Housing-Federal
Housing Commissioner.
[FR Doc. 2010–1091 Filed 1–20–10; 8:45 am]
BILLING CODE 4210–67–P
DEPARTMENT OF THE INTERIOR
Fish and Wildlife Service
[FWS-R9-LE-2010-N008] [99011-1220-00009B]
Proposed Information Collection; OMB
Control Number 1018-0129; Captive
Wildlife Safety Act
jlentini on DSKJ8SOYB1PROD with NOTICES
AGENCY: Fish and Wildlife Service,
Interior.
ACTION: Notice; request for comments.
SUMMARY: We (Fish and Wildlife
Service) will ask the Office of
Management and Budget (OMB) to
approve the information collection (IC)
described below. As required by the
Paperwork Reduction Act of 1995 and
as part of our continuing efforts to
reduce paperwork and respondent
burden, we invite the general public and
other Federal agencies to take this
opportunity to comment on this IC. This
IC is scheduled to expire on June 30,
2010. We may not conduct or sponsor
and a person is not required to respond
to a collection of information unless it
displays a currently valid OMB control
number.
DATES: To ensure that we are able to
consider your comments on this IC, we
must receive them by March 22, 2010.
ADDRESSES: Send your comments on the
IC to Hope Grey, Information Collection
Clearance Officer, Fish and Wildlife
Service, MS 222–ARLSQ, 4401 North
Fairfax Drive, Arlington, VA 22203
(mail); or hope_grey@fws.gov (e-mail).
FOR FURTHER INFORMATION CONTACT: To
request additional information about
this IC, contact Hope Grey by mail or email (see ADDRESSES) or by telephone
at (703) 358–2482.
SUPPLEMENTARY INFORMATION:
I. Abstract
The Captive Wildlife Safety Act
(CWSA) amends the Lacey Act by
making it illegal to import, export, buy,
VerDate Nov<24>2008
16:17 Jan 20, 2010
Jkt 220001
sell, transport, receive, or acquire, in
interstate or foreign commerce, live
lions, tigers, leopards, snow leopards,
clouded leopards, cheetahs, jaguars, or
cougars, or any hybrid combination of
any of these species, unless certain
exceptions are met. There are several
exceptions to the prohibitions of the
CWSA, including accredited wildlife
sanctuaries.
There is no requirement for wildlife
sanctuaries to submit applications to
qualify for the accredited wildlife
sanctuary exemption. Wildlife
sanctuaries themselves will determine if
they qualify. To qualify, they must meet
all of the following criteria:
• Approval by the United States
Internal Revenue Service (IRS) as a
corporation that is exempt from taxation
under section 501(a) of the Internal
Revenue Code of 1986, which is
described in sections 501(c)(3) and
170(b)(1)(A)(vi) of that code.
• Do not engage in commercial trade
in the prohibited wildlife species
including offspring, parts, and products.
• Do not propagate the prohibited
wildlife species.
• Have no direct contact between the
public and the prohibited wildlife
species.
The basis for this information
collection is the recordkeeping
requirement that we place on accredited
wildlife sanctuaries. We require
accredited wildlife sanctuaries to
maintain complete and accurate records
of any possession, transportation,
acquisition, disposition, importation, or
exportation of the prohibited wildlife
species as defined in the CWSA (50 CFR
14, subpart K). Records must be up to
date and include: (1) the names and
addresses of persons to or from whom
any prohibited wildlife species has been
acquired, imported, exported,
purchased, sold, or otherwise
transferred; and (2) the dates of these
transactions. Accredited wildlife
sanctuaries must:
• Maintain these records for 5 years.
• Make these records accessible to
Service officials for inspection at
reasonable hours.
• Copy these records for Service
officials, if requested.
II. Data
OMB Control Number: 1018-0129.
Title: Captive Wildlife Safety Act, 50
CFR 14.250 - 14.255.
Service Form Number(s): None.
Type of Request: Extension of
currently approved collection.
Affected Public: Accredited wildlife
sanctuaries.
Respondent’s Obligation: Required to
obtain or retain a benefit.
PO 00000
Frm 00042
Fmt 4703
Sfmt 4703
3483
Frequency of Collection: Ongoing.
Estimated Annual Number of
Respondents: 750.
Estimated Total Annual Responses:
750.
Estimated Time Per Response: 1 hour
Estimated Total Annual Burden
Hours: 750.
III. Request for Comments
We invite comments concerning this
IC on:
• Whether or not the collection of
information is necessary, including
whether or not the information will
have practical utility;
• The accuracy of our estimate of the
burden for this collection of
information;
• Ways to enhance the quality, utility,
and clarity of the information to be
collected; and
• Ways to minimize the burden of the
collection of information on
respondents.
Comments that you submit in
response to this notice are a matter of
public record. We will include or
summarize each comment in our request
to OMB to approve this IC. Before
including your address, phone number,
e-mail address, or other personal
identifying information in your
comment, you should be aware that
your entire comment, including your
personal identifying information, may
be made publicly available at any time.
While you can ask us in your comment
to withhold your personal identifying
information from public review, we
cannot guarantee that we will be able to
do so.
Dated: January 14, 2010.
Hope Grey,
Information Collection Clearance Officer,
Fish and Wildlife Service.
FR Doc. 2010–1076 Filed 1–20–10; 8:45 am
BILLING CODE 4310–55–S
DEPARTMENT OF THE INTERIOR
National Park Service
Notice of Availability of the Draft Site
Progress Report to the World Heritage
Committee, Yellowstone National Park
National Park Service, Interior.
Notice of Availability of the
Draft Site Progress Report to the World
Heritage Committee, Yellowstone
National Park.
AGENCY:
ACTION:
SUMMARY: Pursuant to the Decisions
adopted by the 27th and 32nd Sessions
of the World Heritage Committee
(Documents WHC–03/72.COM/7A.12,
WHC 32.COM.7B.39) accepted by the
E:\FR\FM\21JAN1.SGM
21JAN1
]]>Agencies
[Federal Register Volume 75, Number 13 (Thursday, January 21, 2010)]
[Notices]
[Pages 3479-3483]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2010-1091]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-5364-N-01]
Mortgagee Review Board: Administrative Actions
AGENCY: Office of the Assistant Secretary for Housing-Federal Housing
Commissioner, Department of Housing and Urban Development (HUD).
ACTION: Notice.
-----------------------------------------------------------------------
SUMMARY: In compliance with Section 202(c) of the National Housing Act,
this notice advises of the cause and description of administrative
actions taken by HUD's Mortgagee Review Board against HUD-approved
mortgagees.
FOR FURTHER INFORMATION CONTACT: Julie Shaffer, Acting Secretary to the
Mortgagee Review Board, 451 Seventh Street, SW., Room 3150, Washington,
DC 20410-8000; telephone: (215) 861-7216. A Telecommunications Device
for Hearing- and Speech-Impaired Individuals (TTY) is available at
(800) 877-8339 (Federal Information Relay Service).
SUPPLEMENTARY INFORMATION: Section 202(c)(5) of the National Housing
Act (added by Section 142 of the Department of Housing and Urban
Development Reform Act of 1989, Pub. L. 101-235, approved December 15,
1989), requires that HUD ``publish a description of and the cause for
administrative action against a HUD-approved mortgagee'' by the
Department's Mortgagee Review Board (Board). In compliance with the
requirements of Section 202(c)(5), this notice advises of actions that
have been taken by the Board from July 10, 2008 to August 4, 2009.
I. Settlement Agreements, Civil Money Penalties, Withdrawal of FHA
Approval, Suspensions, Probations, Reinstatement and Reprimand
1. Ascella Mortgage, LLC, Manchester, CT [Docket No. 09-9610-MR]
Action: On August 4, 2009, the Board voted to immediately withdraw
Ascella Mortgage LLC's (Ascella) FHA approval for a period of one year.
Cause: The Board took this action based on the following violation
of HUD/FHA requirements alleged by HUD: Ascella failed to notify HUD
that it voluntarily surrendered its license to originate mortgages.
2. Americare Investment Group, Inc. d/b/a/Premiere Capital Lending,
Arlington, TX [Docket No. 08-8082-MR]
Action: On October 8, 2009, the Board entered into a settlement
with Americare Investment Group, Inc's., d/b/a Premiere Capital Lending
(Americare) requiring, without the admission of fault or liability, the
payment of a civil money penalty of $124,000 and placing Americare on
probation for a period of six months. During the period of probation,
Americare will be required to obtain and provide to HUD post-closing
reviews on all construction-to-permanent loans closed during the
period.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: (1) Failing to include required
loan documents and information and (2) failing to ensure that the
maximum mortgage amount was properly calculated, resulting in over-
insured mortgages.
3. Beneficial Mortgage Corp., San Juan, PR [Docket No. 09-9626-MR]
Action: On June 3, 2009, the Board immediately suspended Beneficial
Mortgage's (Beneficial) FHA approval pending the outcome of a HUD
review and any ensuing legal proceedings.
Cause: The Board took this action based on the following violation
of HUD/FHA requirements alleged by HUD: Beneficial failed to notify HUD
of a business change affecting the information upon which Beneficial
was originally approved. Specifically, Beneficial failed to notify HUD
that it was the subject of an investigation by the Puerto Rico
Financial Institutions Commissioner's Office.
4. Community Home Lending, Inc., Birmingham, AL [Docket No. 09-8041-MR]
Action: On July 1, 2009, the Board entered into a settlement
agreement with Community Home Lending, Inc.'s (Community) requiring
Community to pay a civil money penalty in the amount of $11,500 without
admitting fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Community violated third party
origination restrictions by allowing non-employees to originate FHA-
insured mortgages; allowed an employee to originate FHA-insured
mortgages and simultaneously work in the fields of property management
and real estate; failed to maintain a quality control (QC) plan
conforming to all HUD/FHA requirements, including allowing its reviews
to be conducted by a loan officer; and failing to conduct QC reviews in
15 early default cases.
5. Eagle Nationwide Mortgage Company, Chadds Ford, PA [Docket No. 09-
9003-MR]
Action: On July 29, 2009, the Board entered into a settlement
agreement with Eagle Nationwide Mortgage Company's (Eagle) requiring
Eagle to pay a $3,500 civil money penalty without admitting fault or
liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Eagle distributed a direct mail
solicitation which improperly used the name of the Federal Housing
Administration, thereby implying FHA endorsement of Eagle's programs.
Additionally, the text of the advertisement implied that Eagle employed
FHA personnel.
6. Golden First Mortgage Corp., Great Neck, New York [Docket No. 09-
9625-MR]
Action: On June 3, 2009, the Board immediately suspended Golden
First Mortgage's (Golden First) FHA approval pending the outcome of the
Office of Inspector General's investigation and any ensuing legal
proceedings.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Golden First failed to notify
HUD of a business change affecting the information upon which Golden
First was originally approved. Specifically, Golden First Mortgage
failed to notify HUD that its president was under investigation by the
Office of Thrift Supervision, U.S. Department of Treasury, and was a
party to a civil money penalty proceeding.
7. Great Country Mortgage Bankers, Corp., Coral Gables, FL [Docket No.
09-9618-MR]
Action: On June 3, 2009, the Board immediately suspended Great
Country Mortgage Bankers Corporation's (Great Country) FHA approval
pending the outcome of a HUD review and any ensuing legal proceedings.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Great Country failed to
implement a QC plan in compliance with HUD/FHA requirements by failing
to conduct QC reviews on loans defaulting within six months of
origination; failed to
[[Page 3480]]
assure exclusive employment with the company for all staff; failed to
disclose business affiliations with the owners/sellers of mortgages
properties; and failed to verify borrowers' previous rental histories.
8. Liberty Trust Mortgage Corporation, Towson, MD [Docket No. 09-9820-
MR]
Action: On August 4, 2009, the Board immediately withdrew Liberty
Trust Mortgage Corporation's (Liberty) FHA approval for a period of one
year.
Cause: The Board took this action based on the following violation
of HUD/FHA requirements alleged by HUD: Liberty failed to notify HUD of
the closure of its only office.
9. Madison Home Equities, Inc., Carle Place, NY [Docket No. 09-9820-MR]
Action: The Board entered into an administrative agreement with
Madison Home Equities, Inc. (Madison), and Madison's president. The
agreement required Madison and its president to: (1) Accept a permanent
withdrawal of Madison's FHA-approval; (2) pay HUD a civil money penalty
in the amount of $90,000; (3) indemnify HUD for 12 loans; and (4) post
security totaling $600,000 to guarantee payments on the
indemnifications. The agreement also required Madison's president to
notify HUD within ten days of new employment or change in employment
with an FHA-approved mortgagee, a business entity associated with the
origination, processing, and/or servicing of Federally-related and/or
government-insured mortgage loans, or any entity providing consulting
services relating to Federally-related and/or government-insured
mortgage loan origination, processing, and/or servicing. Furthermore,
Madison's president agreed to notify, in writing, any current or future
employer that originates, processes, and/or services Federally-related
or government-insured mortgage loans that she has entered into a
Consent Decree with the United States in connection with activities
relating to Federally-related or government-insured loans.
Cause: The Board took this action based on violations of HUD/FHA
requirements which were identified and alleged by the United States
Attorney's Office for the Eastern Division of New York.
10. Mortgage America Bankers, LLC, Kensington, MD [Docket No. 08-8072-
MR]
Action: On September 18, 2009, the Board entered into a settlement
agreement with Mortgage America Bankers' (Mortgage America) requiring
the payment of a civil money penalty of $10,000 without admitting fault
or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Mortgage America failed to
implement and maintain an acceptable QC plan and was unable to provide
QC reports for loans that closed in the years 2006 and 2007, indicating
a failure to conduct QC reviews.
11. Mortgage Depot, Inc., Las Vegas, NV [Docket No. 09-9796-MR]
Action: On August 4, 2009, the Board immediately withdrew Mortgage
Depot, Inc.'s, (Mortgage Depot) FHA approval for a period of one year.
Cause: The Board took this action based on the following violation
of HUD/FHA requirements alleged by HUD: Mortgage Depot failed to notify
HUD of its receipt of a sanction notice by the State of Nevada,
Division of Mortgage Lending, which proposed a fine and revocation of
Mortgage Depot's mortgage broker license.
12. Taylor, Bean and Whitaker Mortgage Corporation, Ocala, FL [Docket
No. 09-9607-MR]
Action: On August 4, 2009, the Board immediately suspended Taylor,
Bean and Whitaker Mortgage Corporation's (Taylor, Bean and Whitaker)
FHA approval to originate and underwrite FHA loans pending completion
of an investigation by the HUD Office of Inspector General and
completion of a review by HUD's Office of Housing and any ensuing legal
proceedings.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Taylor, Bean and Whitaker
failed to timely file an annual audit report and audited financial
statements; submitted false certification and/or misleading information
to Ginnie Mae; failed to report irregularities in connection with its
FY 2008 audit by Deloitte & Touche; failed to report irregularities in
connection with its loan origination practices; failed to comply with
HUD/FHA's approval requirements; and submitted false certification on
its yearly verification report to HUD.
13. Transland Financial Services, Inc., Maitland, FL [Docket No. 08-
8066-MR]
Action: On September 25, 2008, the Board immediately and
permanently withdrew Transland Financial Services Inc.'s (Transland)
FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Transland failed to honor the
terms of indemnification agreements it had signed with the Department
on February 18, 2003, and February 10, 2005. As of July 27, 2008,
Transland is indebted to HUD for $278,901. Transland failed to respond
to an April 8, 2008, inquiry from HUD's Financial Operations Center in
Albany, NY regarding this debt.
14. Universal Bancorp, Ltd., Downers Grove, IL [Docket No. 09-9553-MR]
Action: The Board immediately withdrew Universal Bancorp, Ltd.'s
(Universal), FHA approval for a period of one year.
Cause: The Board took this action based on the following violation
of HUD/FHA requirements alleged by HUD: Universal failed to notify HUD
that it had closed its only FHA-approved branch office.
15. World Alliance Financial Corporation (formerly Vertical Lend,
Inc.), Melville, NY [Docket No. 07-7036-MR]
Action: On April 3, 2009, the Board entered into a settlement
agreement with World Alliance Financial Corporation's (World Alliance)
requiring the payment, without admitting fault or liability, of a civil
money penalty in the amount of $13,000.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: World Alliance failed to
implement and maintain a QC plan containing all required elements for
the period April 2004 through September 2006. World Alliance also
failed to include any FHA insured mortgages in its QC review sample for
the period June 2006 to September 2006, despite World Alliance's
origination of 320 FHA-insured mortgages during that time period.
II. Lenders That Failed To Meet Requirements for Annual Recertification
of HUD/FHA Approval
Action: The Board voted to immediately withdrew the FHA approval of
each of the lenders listed below for a period of one year.
Cause: The Board took this action based upon allegations that the
lenders were not in compliance with the Department's annual
recertification requirements.
1. 1st Point Lending LLC, Milwaukee, WI [Docket No. 09-9628-MR]
2. Aadus Banc Corp., Palatine, IL [Docket No. 09-9630-MR]
3. AccessAmerica Mortgage LLC, Duluth, GA [Docket No. 09-9631-
MR]
[[Page 3481]]
4. Advantage Home Finance, Pacifica, CA [Docket No. 09-9632-MR]
5. Advent Mortgage LLC, Cranford, NJ [Docket No. 09-9636-MR]
6. Affordable Mortgage Company, Waterford, CT [Docket No. 09-
9637-MR]
7. Aggressive Mortgage Corp., Richmond, VA [Docket No. 09-9639-
MR]
8. Alaska State Mortgage Inc., Anchorage, AK [Docket No. 09-
9640-MR]
9. American Home Mortgage Corp., Melville, NY [Docket No. 09-
9642-MR]
10. American Mortgage Lending Services, Inc., Chicago, IL
[Docket No. 09-9644-MR]
11. American Residential Mortgage LP, Saint Paul, MN [Docket No.
09-9645-MR]
12. Arrow Service Corp., Inc., Morrison, CO [Docket No. 09-9647-
MR]
13. Aurora Financial Services, Inc., New Orleans, LA [Docket No.
09-9648-MR]
14. Bayside Financial Group, Inc., Annapolis, MD [Docket No. 09-
9650-MR]
15. BBCP Holdings, Ltd., North Palm Beach, FL [Docket No. 09-
9651-MR]
16. BH Mortgage Partners LLC, Suwanee, GA [Docket No. 09-9652-
MR]
17. Citizens Trust Financial Group, Inc., Cockeysville, MD
[Docket No. 09-9661-MR]
18. Continental Financial Group, Inc., Houma, LA [Docket No. 09-
9018-MR]
19. Cosmopolitan Mortgage, Inc., Orange, NJ [Docket No. 09-9665-
MR]
20. Cresland Mortgage Company LLC, Plymouth, MN [Docket No. 09-
9667-MR]
21. Dove Capital Corporation, Corona, CA [Docket No. 09-9674-MR]
22. Eclipse Mortgage, LLC, Lombard, IL [Docket No. 09-9676-MR]
23. Equity Financial, Inc., East Brunswick, NJ [Docket No. 09-
9679-MR]
24. Executive World Corp., d/b/a Executive Mortgage, Montebello,
CA [Docket No. 09-9135-MR]
25. Evolution Funding Inc., Wellington, FL [Docket No. 09-9680-
MR]
26. Fallon County Federal Credit Union, Baker, MT [Docket No.
09-9681-MR]
27. Financial Capital, Inc., Redding, CA [Docket No. 09-9682-MR]
28. First Capital Group, LP, Irvine, CA [Docket No. 09-9683-MR]
29. First Fidelity Mortgage, Inc., Cranford, NJ [Docket No. 09-
9684-MR]
30. First Independent Mortgage LLC, Burlington, MA [Docket No.
09-9685-MR]
31. First Magnus Financial Corp., Tucson, AZ [Docket No. 09-
9686-MR]
32. First National Bank and Trust, Beatrice, NE [Docket No. 09-
9687-MR]
33. Genesis Mortgage Services, Inc., Lutz, FL [Docket No. 09-
9691-MR]
34. Godwin Mortgage Group, Inc., Louisville, KY [Docket No. 09-
9692-MR]
35. Great American Mortgage Services Corp., Hamilton Square, NJ
[Docket No. 09-9695-MR]
36. Greenbrier Mortgage LLC, Charlotte, NC [Docket No. 09-9697-
MR]
37. Home Source Lending Group LLC, Alpharetta, GA [Docket No.
09-9698-MR]
38. Homebuyers Funding LLC, Orlando, FL [Docket No. 09-9700-MR]
39. Hunter Partners, Inc., Bakersfield, CA [Docket No. 09-9701-
MR]
40. Investors Mortgage Lending, Orlando, FL [Docket No. 09-9703-
MR]
41. Lebanon Valley Farmers Bank, Lebanon, PA [Docket No. 09-
9136-MR]
42. Lendia LLC, Marlborough, MA [Docket No. 09-9706-MR]
43. Main Street Bank and Trust, Champaign, IL [Docket No. 09-
9707-MR ]
44. Mid America Bank FSB, Downers Grove, IL [Docket No. 09-9711-
MR]
45. Midtowne Mortgage, Inc., Midvale, UT [Docket No. 09-9712-MR]
46. Midwest Residential Lending LLC, Tipp City, OH [Docket No.
09-9713-MR]
47. Millennium Capital Mortgage Co., Longwood, FL [Docket No.
09-9714-MR]
48. Moneyfirst Financial, Inc., Dallas, TX [Docket No. 09-9715-
MR]
49. NCW Community Bank, Wenatchee, WA [Docket No. 09-9717-MR]
50. Nuestra Casa Mortgage, Inc., Santa Ana, CA [Docket No. 09-
9718-MR]
51. Phelan Financial Services, Inc., Phelan, CA [Docket No. 09-
9721-MR]
52. Premier Mortgage Funding, Inc., Clearwater, FL [Docket No.
09-9723-MR]
53. Premier Mortgage Group, Inc., Lexington, KY [Docket No. 09-
9582-MR]
54. Prestige Capital Funding, Inc., Littleton, CO [Docket No.
09-9724-MR]
55. Prime Financial Corporation, Berwyn, IL [Docket No. 09-9725-
MR]
56. Professional Mtg Serv of Central Florida, Inc., Orlando, FL
[Docket No. 09-9728-MR]
57. TCSB Mortgage Company, Traverse City, MI [Docket No. 09-
9739-MR]
58. The First National Bank & Trust, Beatrice, NE [Docket No.
09-9740-MR]
59. The Mortgage House, Inc., Hialeah, FL [Docket No. 09-9741-
MR]
60. Traders National Bank-Tullahoma, Tullahoma, TN [Docket No.
09-9742-MR]
61. Trinity Wealth Mortgage Corp., Lincoln, CA [Docket No. 09-
9744-MR]
62. Truepointe Mortgage, Layton, UT [Docket No. 09-9745-MR]
63. UMS LLC, Paramus, NJ [Docket No. 09-9746-MR]
64. Velocity Lending LLC, Clark, NJ [Docket No. 09-9751-MR]
65. Wes Holding Corporation, Charlotte, NC [Docket No. 09-9256-
MR]
66. West Michigan Finance, Inc., Portage, MI [Docket No. 09-
9752-MR]
67. Wow Financial LLC, Conshohocken, PA [Docket No. 09-9754-MR]
III. Lenders That Failed To Timely Meet Requirements for Annual
Recertification of HUD/FHA Approval
Action: The Board entered into settlement agreements with the
lenders listed below, which required each lender to pay a $3,500 civil
money penalty, without admitting fault or liability.
Cause: The Board took this action based upon allegations that the
lenders listed below failed to comply with the Department's annual
recertification requirements in a timely manner.
1. 1st Choice Mortgage, Inc., Shelby Township, MI [Docket No.
09-9376-MR]
2. 1st Elite Home Loans LLC, Mount Laurel, NJ [Docket No. 09-
9382-MR]
3. Access Financial Group, Inc., McDonough, GA [Docket No. 09-
9378-MR]
4. Ace Mortgage LLC, Mandeville, LA [Docket No. 09-9763-MR]
5. All American Home Mortgages LLC, Henderson, NV [Docket No.
09-9764-MR]
6. American Capital Mortgage Corp., Portland, OR [Docket No. 09-
9765-MR]
7. America Funding, Inc., McLean, VA [Docket No. 09-9502-MR]
8. American Pioneer Mortgage Serv., Boynton Beach, FL [Docket
No. 09-9505-MR]
9. Bank of Tennessee, Kingsport, TN [Docket No. 09-9768-MR]
10. Blue Chicago Financial Corp. Chicago, IL [Docket No. 09-
9514-MR]
11. Citigroup Global Markets Realty Corp., New York, NY [Docket
No. 09-9306-MR]
12. Community One Mortgage LLC, Colorado Springs, Co [Docket No.
09-9385-MR]
13. Drexel Mortgage Corp., South Richmond Hill, NY [Docket No.
09-9364-MR]
14. Five Star Mortgage Services, Inc., Jacksonville, FL [Docket
No. 09-9400-MR]
15. Flatbush Federal Savings Ala, Brooklyn, NY [Docket No. 09-
9772-MR]
16. Genesis Home Mortgage Corporation, Hauppauge, NY [Docket No.
09-9412-MR]
17. Griffith & Blair American Home Mtg LLC, a/k/a Legacy Lenders
Group, [Docket No. 09-9356-MR]
18. Hartford Financial Group, Dublin, OH [Docket No. 09-9392-MR]
19. Home Source Mortgage, Inc., Tustin, CA [Docket No. 09-9506-
MR]
20. Hutchinson Government ECU, Hutchinson, KS [Docket No. 09-
9237-MR]
21. Intercontinental Capital Group, Inc., New York, NY [Docket
No. 09-9388-MR]
22. Liberty Mortgage Funding, Inc., Shelby Township, MI [Docket
No. 09-9333-MR]
23. Magnolia Mortgage Company LLC, Mobile, AL [Docket No. 09-
9417-MR]
24. Milford Bank, Milford, CT [Docket No. 09-9775-MR]
25. Minnwest Bank Montevideo, Montevideo, MN [Docket No. 09-
9776-MR]
26. Minnwest Bank MV, Redwood Falls, MN [Docket No. 09-9120-MR]
27. Mutual Security Credit Union, Wilton, CT [Docket No. 09-
9249-MR]
28. Now Mortgage Services, Inc., Kennewick, WA [Docket No. 09-
9346-MR]
29. Numerica Mortgage LLC, Virginia Beach, VA [Docket No. 09-
9510-MR]
30. Paladin Financial Services Corporation, Longwood, FL [Docket
No. 09-9516-MR]
31. PHH Preferred Mortgage, Conshohocken, PA [Docket No. 09-
9381-MR]
32. Pilot Bank, Tampa, FL [Docket No. 09-9777-MR]
33. Priority Mortgage Corp. of Wichita, Wichita, KS [Docket No.
09-6504-MR]
34. Pro Buy Equities Corp., Los Angeles, CA [Docket No. 09-9778-
MR]
35. Remington Mortgage, Ltd., Plano, TX [Docket No. 09-9469-MR]
36. Republic Mortgage Financial Serv. Corp., Fenton, MI [Docket
No. 09-9425-MR]
37. The First National Bank & Trust Co., Iron Mountain, MI
[Docket No. 09-9783-MR]
38. Trinity Financial, Inc., Verona, PA [Docket No. 09-9507-MR]
[[Page 3482]]
39. Utah Mortgage Loan Corp., Midvale, UT [Docket No. 09-9472-
MR]
40. Williamette Valley Bank, Salem, OR [Docket No. 09-9784-MR]
41. Zuniga Enterprises, Inc., Santa Ana, CA [Docket No. 09-09-
9391-MR]
IV. Lenders That Failed To Meet Annual FHA Approval Requirements and
Later Cured the Violations
Action: The Board entered into settlement agreements with each
lender listed below, which required the lenders to pay, without
admitting fault or liability, a $1,000 administrative fee and cure the
violations within 30 days
Cause: The Board took this action based upon allegations that each
of the lenders failed to timely meet the annual recertification
requirements.
1. 1st Alliance Banc Corporation, Chicago, IL [Docket No. 09-
9044-MR]
2. Aarow Mortgage Services, Inc., Laurel, MD [Docket No. 09-
9053-MR]
3. Accunet Mortgagecom LLC, Butler, WI [Docket No. 09-9309-MR]
4. Albina Community Bank, Portland, OR [Docket No. 09-9231-MR]
5. Allied Credit Union, Houston, TX [Docket No. 9178-MR]
6. Amber Financial Group, LLC, San Diego, CA [Docket No. 09-
9176-MR]
7. American Momentum Bank, Tampa, FL [Docket No. 09-9122-MR]
8. American Mortgage Services, Melrose, MA [Docket No. 09-9021-
MR]
9. Amerilending and Associates Corp., Miami, FL [Docket No. 09-
9005-MR]
10. Amston Mortgage Company, Inc., Moodus, CT [Docket No. 09-
9288-MR]
11. Amwest Capital Mortgage, Inc., Escondido, CA [Docket No. 08-
8060-MR]
12. Bank of Tucson, Tucson, AZ [Docket No. 09-9295-MR]
13. Beacon Financial Group, Inc., Melbourne, FL [Docket No. 09-
9282-MR]
14. Best Mortgage Services LLC, Detroit, MI [Docket No. 09-9521-
MR]
15. Blue Eagle Corporation, Elgin, IL [Docket No. 09-9201]
16. Bogman, Inc., Silver Spring, MD [Docket No. 09-9095-MR]
17. C&A Financial Enterprises, Inc., Macon, GA [Docket No. 09-
9347-MR]
18. Capital Access Mortgage, Denver, CO [Docket No. 09-9351-MR]
19. Carrollton Mortgage Co., Modesto, CA [Docket No. 09-9523-MR]
20. Centerline Capital Group, Inc. New York, NY [Docket No. 09-
9160-MR]
21. Central Kentucky Federal Savings Bank, Danville, KY [Docket
No. 09-9299-MR]
22. CFCU Community Credit Union, Ithaca, NY [Docket No. 09-9130-
MR]
23. Chicagoland Mortgage Exchange, Inc., Chicago, IL [Docket No.
09-9139-MR]
24. Citizens National Bank, Meridian, MS [Docket No. 09-9243-MR]
25. Clayton Peters & Associates, Inc., Baltimore, MD [Docket No.
09-9013-MR]
26. CMS Mortgage Solutions, Inc., Chesapeake, VA [Docket No. 09-
9526-MR]
27. Colonial Mortgage Service Company, Montgomeryville, PA
[Docket No. 09-9208-MR]
28. Connecticut Housing Inv. Fund, Inc., Hartford, CT [Docket
No. 08-8046-MR]
29. Crestwood Mortgage Company, Bensalem, PA [Docket No. 09-
9371-MR]
30. DLF Enterprises, Inc., West Bend, WI [Docket No. 09-9529-MR]
31. Drew Mortgage Associates, Inc., Shrewsbury, MA [Docket No.
09-9247-MR]
32. E and S Financial Group, Inc., Farmington Hills, MI [Docket
No. 09-9312-MR]
33. Exigent Mortgage Corporation, Palm Harbor, FL [Docket No.
09-9134-MR]
34. Farmers State Bank, Watkins, MN [Docket No. 09-9081-MR]
35. Fidelity Mortgage Group, West Memphis, AR [Docket No. 09-
9099-MR]
36. Financial Security Bank, Kerkhoven, MN [Docket No. 09-9116-
MR]
37. First Financial Bank, Stephenville, TX [Docket No. 09-9111-
MR]
38. First Home Equity, Inc., Mauldin, SC [Docket No. 09-9533-MR]
39. First Sentinel Bank, Richlands, VA [Docket No. 09-9106-MR]
40. Frontier Bank, Rock Rapids, IA [Docket No. 09-9181-MR]
41. Fullerton National Bank, Fullerton, NE [Docket No. 09-9167-
MR]
42. Gateway Bank Mortgage, Inc., Raleigh, NC [Docket No. 09-
9109-MR]
43. Griffith & Blair American Home Mortgage, [Docket No. 09-
9356-MR],
44. Home Mortgage Bankers, Carolina, PR [Docket No. 09-9206]
45. Homeownership Solutions, LLC, West Hartford, CT [Docket No.
09-9150-MR]
46. InterNational Bank, McAllen, TX [Docket No. 09-9109-MR]
47. Inventive Mortgage Corp., Westchester, IL [Docket No. 09-
9210-MR]
48. Keystone Community Bank, Kalmazoo, MI [Docket No. 09-9186-
MR]
49. Lapeer County Bank & Trust Co., Lapeer, MI [Docket No. 09-
9066-MR]
50. Leiman Mortgage Network, Lakewood, NJ [Docket No. 09-9079-
MR]
51. Live Well Financial, Inc., Richmond, VA [Docket No. 09-9352-
MR]
52. Mainstream Finance, Bangor, ME [Docket No. 08-8064-MR]
53. Marine Funding, Inc., South Richmond Hill, NY [Docket No.
09-9352-MR]
54. Massachusetts Housing Investment Corp., Boston, MA [Docket
No. 09-9073-MR]
55. Midwest Custom Mortgage, Inc., Elgin, IL [Docket No. 09-
9270-MR]
56. Money Connection, Inc., Fairlawn, OH [Docket No. 09-9273-MR]
57. Mortgage Options of America, Inc., Winchester, MA [Docket
No. 09-9102-MR]
58. Mortgage Security, Inc., East Falmouth, MA [Docket No. 09-
9289-MR]
59. Mortgage Services of Louisiana, Inc., Harahan, LA [Docket
No. 09-9274-MR]
60. Mountainside Mortgage LLC, Salt Lake City, UT [Docket No.
09-9188-MR]
61. MSI Mortgage Services III, LLC, Bloomington, IL [Docket No.
09-9330-MR]
62. NetCentral Mortgage, LLC, Milwaukee, WI [Docket No. 09-9254-
MR]
63. North Atlantic Mortgage Corp., Silver Spring, MD [Docket No.
09-9156-MR]
64. Northern Corridor Community Federal Credit Union, Rouses
Point, NY [Docket No. 09-9223-MR]
65. Odin State Bank, Odin, MN [Docket No. 09-9300-MR]
66. Old J Corporation, Riverside, CA [Docket No. 08-8055-MR]
67. Oriental Bank and Trust, San Juan, PR [Docket No. 09-9538-
MR]
68. Pacific Community Credit Union, Fullerton, CA [Docket No.
09-9539-MR]
69. Palace Home Mortgage Corporation, Olympia Fields, IL [Docket
No. 09-9301-MR]
70. Peoples Federal Savings Bank, Auburn, IN [Docket No. 09-
9144-MR]
71. Performance Residential Capital Corp., Farmingdale, NY
[Docket No. 09-9540-MR]
72. Pinnacle Bank Wyoming, Cody, WY [Docket No. 9214-MR]
73. Premier Financial Funding, Inc., Fulton, MD [Docket No. 09-
9355-MR]
74. Premium Mortgage Corp., Rochester, NY [Docket No. 09-9315-
MR]
75. Pro-Buy Equities Corporation, Los Angeles, CA [Docket No.
09-9193-MR]
76. Proficio Mortgage Ventures LLC, Jacksonville, FL [Docket No.
09-9105-MR]
77. Rapid City Telco Federal Credit Union, Rapid City, SD
[Docket No. 09-9216-MR]
78. RF Mortgage and Investment Corp., San Juan, PR [Docket No.
09-9108-MR]
79. RMK Financial Corporation, Rancho Cucamonga, CA [Docket No.
09-9209-MR]
80. Rockland Savings Bank, FSB, Rockland, ME [Docket No. 09-
9245-MR]
81. Ryland Mortgage, Calabasa, CA [Docket No. 09-9033-MR]
82. Shell Lake State Bank, Shell Lake, WI [Docket No. 09-9257-
MR]
83. Shore Community Bank, Toms River, NJ [ Docket No. 09-9174-
MR]
84. Skyline Mortgage, LLC, a/k/a Alpha Mortgage Associates,
Inc., [Docket No. 09-9195-MR]
85. Society Financial Corp., Farmington, CT [Docket No. 09-9324-
MR]
86. South DeKalb Church Federal Credit Union, Decatur, GA
[Docket No. 09-9265-MR]
87. Southern Missouri Bank of Marshfield, Marshfield, MO [Docket
No. 09-9286-MR]
88. Sunrise Vista Mortgage Corp., Citrus Heights, CA [Docket No.
09-9541-MR]
89. TBI Mortgage Company, Horsham, PA [Docket No. 09-9542-MR]
90. Texoma Community Credit Union, Wichita Falls, TX [Docket No.
09-9032-MR]
91. Total Mortgage Services LLC, Milford, CT [Docket No. 09-
9345-MR]
92. Traco Financial Corporation, Salibury, MD [Docket No. 09-
9544-MR]
93. Troy Mortgage Corporation, Inc., Greenwood Village, Co
[Docket No. 09-9275-MR]
94. Union Bank Benton, Benton, AZ [Docket No. 09-9222-MR]
95. Urban Trust Bank, Lake Mary, FL [Docket No. 09-9251-MR]
96. US Mortgage Network, Sewickley, PA [Docket No. 09-9335-MR]
97. Village Oaks Financial Group, Bullhead City, AZ [Docket No.
08-8057-MR]
98. Wachovia Equity Servicing LLC (Title II), Charlotte, NC
[Docket No. 09-9255-MR]
99. Westerly Community Credit Union, Westerly, RI [Docket No.
09-9119-MR]
[[Page 3483]]
100. Westfield Bank FSB, Medina, OH [Docket No. 09-9207-MR]
101. Westsound Bank, Bremerton, WA [Docket No. 09-9281-MR]
102. Wholesale Capital Corp., Moreno Valley, CA [Docket No. 08-
8038-MR]
103. Willamette Valley Bank, Salem, OR [Docket No. 09-9067-MR]
104. Yankee Mortgage Company LLC, Glastonbury, CT [Docket No.
09-9072-MR]
Dated: December 18, 2009.
David H. Stevens,
Assistant Secretary for Housing-Federal Housing Commissioner.
[FR Doc. 2010-1091 Filed 1-20-10; 8:45 am]
BILLING CODE 4210-67-P
