Mortgagee Review Board: Administrative Actions, 43537-43551 [2010-18156]
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Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices
Abstract: This information collection
is in accordance with 19 CFR 19.46
which provides that when a person is
granted a permit to operate a container
station, the CBP port director may
request a list of names, addresses, social
security numbers, dates and places of
birth of the persons employed by the
operator. Respondents must provide this
list to CBP within 30 calendar days after
the date of receipt of a written request
by the port director.
Current Actions: This submission is
being made to extend the expiration
date.
Type of Review: Extension (without
change).
Affected Public: Businesses.
Estimated Number of Respondents:
350.
Estimated Number of Total
Responses: 1,400.
Estimated Time per Response: 20
minutes.
Estimated Total Annual Burden
Hours: 466.
If additional information is required
contact: Tracey Denning, U.S. Customs
and Border Protection, Office of
Regulations and Rulings, 799 9th Street,
NW., 7th Floor, Washington, DC 20229–
1177, at 202–325–0265.
Dated: July 15, 2010.
Tracey Denning,
Agency Clearance Officer, U.S. Customs and
Border Protection.
[FR Doc. 2010–18154 Filed 7–23–10; 8:45 am]
BILLING CODE 9111–14–P
DEPARTMENT OF HOMELAND
SECURITY
Federal Emergency Management
Agency
[Internal Agency Docket No. FEMA–1922–
DR; Docket ID FEMA–2010–0002]
10, 2010, the President issued a major
disaster declaration under the authority
of the Robert T. Stafford Disaster Relief
and Emergency Assistance Act, 42
U.S.C. 5121 et seq. (the ‘‘Stafford Act’’),
as follows:
(Presidentially Declared Disasters); 97.039,
Hazard Mitigation Grant.
I have determined that the damage in
certain areas of the State of Montana
resulting from severe storms and flooding
beginning on June 15, 2010, and continuing,
is of sufficient severity and magnitude to
warrant a major disaster declaration under
the Robert T. Stafford Disaster Relief and
Emergency Assistance Act, 42 U.S.C. 5121 et
seq. (the ‘‘Stafford Act’’). Therefore, I declare
that such a major disaster exists in the State
of Montana.
In order to provide Federal assistance, you
are hereby authorized to allocate from funds
available for these purposes such amounts as
you find necessary for Federal disaster
assistance and administrative expenses.
You are authorized to provide Public
Assistance in the designated areas and
Hazard Mitigation throughout the State.
Consistent with the requirement that Federal
assistance is supplemental, any Federal
funds provided under the Stafford Act for
Public Assistance and Hazard Mitigation will
be limited to 75 percent of the total eligible
costs.
Further, you are authorized to make
changes to this declaration for the approved
assistance to the extent allowable under the
Stafford Act.
BILLING CODE 9111–23–P
The Federal Emergency Management
Agency (FEMA) hereby gives notice that
pursuant to the authority vested in the
Administrator, under Executive Order
12148, as amended, Steven S. Ward, of
FEMA is appointed to act as the Federal
Coordinating Officer for this major
disaster.
The following areas of the State of
Montana have been designated as
adversely affected by this major disaster:
AGENCY:
Hill County and the Rocky Boy’s Indian
Reservation for Public Assistance.
All counties and Tribes within the State of
Montana are eligible to apply for assistance
under the Hazard Mitigation Grant Program.
This is a notice of the
Presidential declaration of a major
disaster for the State of Montana
(FEMA–1922–DR), dated July 10, 2010,
and related determinations.
DATES: Effective Date: July 10, 2010.
FOR FURTHER INFORMATION CONTACT:
Peggy Miller, Recovery Directorate,
Federal Emergency Management
Agency, 500 C Street, SW., Washington,
DC 20472, (202) 646–3886.
SUPPLEMENTARY INFORMATION: Notice is
hereby given that, in a letter dated July
The following Catalog of Federal Domestic
Assistance Numbers (CFDA) are to be used
for reporting and drawing funds: 97.030,
Community Disaster Loans; 97.031, Cora
Brown Fund; 97.032, Crisis Counseling;
97.033, Disaster Legal Services; 97.034,
Disaster Unemployment Assistance (DUA);
97.046, Fire Management Assistance Grant;
97.048, Disaster Housing Assistance to
Individuals and Households In Presidentially
Declared Disaster Areas; 97.049,
Presidentially Declared Disaster Assistance—
Disaster Housing Operations for Individuals
and Households; 97.050, Presidentially
Declared Disaster Assistance to Individuals
and Households—Other Needs; 97.036,
Disaster Grants—Public Assistance
Montana; Major Disaster and Related
Determinations
Federal Emergency
Management Agency, DHS.
ACTION: Notice.
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SUMMARY:
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W. Craig Fugate,
Administrator, Federal Emergency
Management Agency.
[FR Doc. 2010–18199 Filed 7–23–10; 8:45 am]
DEPARTMENT OF HOUSING AND
URBAN DEVELOPMENT
[Docket No. FR–5436–N–01]
Mortgagee Review Board:
Administrative Actions
Office of the Assistant
Secretary for Housing—Federal Housing
Commissioner, Department of Housing
and Urban Development (HUD).
ACTION: Notice.
AGENCY:
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:
Nancy A. Murray, Secretary to the
Mortgagee Review Board, 451 Seventh
Street, SW., Room B–133/3150,
Washington, DC, 20410–8000;
telephone: (202) 708–2224. 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,
Public Law 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 March 18, 2010.
SUMMARY:
I. Settlement Agreements, Civil Money
Penalties, Withdrawal of FHA
Approval, Suspensions, Probations, and
Reprimand
1. Academy Mortgage Corporation,
Sandy, UT [Docket No. 10–1030–MR]
Action: On March 12, 2010, the Board
entered into a settlement agreement
with Academy Mortgage Corporation
(Academy) requiring Academy to pay a
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$30,000 civil money penaltywithout
admitting fault or liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Academy used the official HUD
Seal and FHA acronym on its Web site;
violated HUD’s advertising
requirements when it misrepresented
that its Web site was owned and/
endorsed by HUD; Academy continued
to violate HUD requirements by
displaying the Official Federal Housing
Administration—Approved Lending
Institution Seal (‘‘FHA Seal’’) improperly
on its Web site and failed to accurately
identify Academy as the owner of the
Web site; and failed to register the
fictitious business name
‘‘fhamodification.com’’ in violation of
HUD requirements.
2. Action Mortgage Corporation,
Cranston, RI [Docket No. 10–1015–MR]
Action: On January 25, 2010, the
Board issued a Notice of Administrative
Action placing Action Mortgage
Corporation (AMC) on six months
probation and imposing a $7,000 civil
money penalty.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: AMC used the official HUD Seal
on its Web site and improperly implied
that AMC was affiliated, connected, or
had authorization from HUD for its Web
site.
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3. Americare Investment Group, Inc.
d/b/a Premier Capital Lending,
Arlington, TX [Docket No. 10–1629–MR]
Action: On January 25, 2010, the
Board issued a Notice of Administrative
Action to Americare Investment Group,
Inc. (Americare) permanently
withdrawing their FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Americare failed to comply with
the terms of an October 8, 2009
settlement agreement with the
Department.
4. Assurity Financial Services,
Englewood, CO [Docket No 09–9552–
MR]
Action: On April 20, 2010, the Board
entered into a settlement agreement
with Assurity Financial Services
(Assurity) requiring Assurity to pay a
$7,500 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: Assurity failed to implement a QC
plan and conduct QC reviews in
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accordance with HUD/FHA
requirements.
5. Automated Finance Corporation,
Calabasas, CA [Docket No. 09–9825–
MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to Automated Finance
Corporation (Automated) permanently
withdrawing their FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Automated closed its only
approved office and failed to notify
HUD.
6. CitiMortgage, Inc. O’Fallon, MO
[Docket No. 10–1630–MR]
Action: On February 17, 2010, the
Board entered into a settlement
agreement with CitiMortgage, Inc. (CMI)
requiring CMI to pay a $700,000
administrative payment to HUD without
admitting fault or liability.
Cause: The Board took this action
based on the following violations of
HUD/FHArequirements alleged by HUD:
CMI failed to report all delinquent loans
to HUD no later than the fifth business
day of the following month; CMI failed
to correct fatal errors that resulted from
its monthly reporting to HUD’s Single
Family Default Monitoring System; CMI
failed to comply with HUD/FHA’s
default servicing reporting requirements
when it failed to timely submit a default
servicing report; and CMI failed to fully
implement its Quality Control for
oversight over this functional area.
7. Cooper and Shein, LLC d/b/a Great
Oak Lending Partners, Timonium, MD
[Docket No. 10–1035–MR]
Action: On January 25, 2010 the Board
issued a Notice of Administrative
Action to Cooper and Shein, LLC
d/b/a Great Oak Lending Partners (Great
Oak) placing them on a six month
probation without admitting fault or
liability and on March 1, 2010,
proposing a settlement agreement
requiring Great Oak to pay an $11,000
civil money penalty.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Great Oak improperly used a
simulated government form and seal to
imply that correspondence relating to
HUD’s Home Equity Conversion
Mortgage (HECM) program was from, or
endorsed by HUD/FHA; and
misrepresented HUD program
requirements in an advertisement by
informing recipients that they were
‘‘entitled’’ to monthly benefits through
the HECM program.
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8. Direct Lending, Inc., Livonia, MI
[Docket No. 09–9303–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
action to Direct Lending, Inc. (Direct)
permanently withdrawing their FHA
approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Direct failed to notify HUD that its
business licenses had become inactive
and revoked.
9. Equitable Trust Mortgage
Corporation, Baltimore, MD [Docket No.
09–9604–MR]
Action: On December 14, 2009, the
Board entered into a settlement
agreement with Equitable Trust
Mortgage Corporation (Equitable)
requiring Equitable to pay a $277,500
civil money penalty and refund broker
fees charged to borrowers totaling
$147,589.81 without admitting fault or
liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Equitable failed to comply with
HUD’s requirements concerning
Principal-Authorized Agent
relationships by permitting loans to
close in the name of an authorized agent
and Equitable failed to comply with
HUD’s requirements when it charged
borrowers a broker fee for loans it
originated and also charged an
origination fee, thus receiving a total
loan origination fee in excess of the fee
permitted by HUD.
10. Federal Guaranty Mortgage
Company, Pembroke Pines, FL [Docket
No. 09–9823–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to Federal Guaranty Mortgage
Company (Federal) permanently
withdrawing their FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Federal closed its offices and
failed to notify HUD.
11. Financial Mortgage USA, Inc.
Honolulu, HI [Docket No. 07–7035–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to Financial Mortgage USA (F.M.
USA) imposing a $97,500 civil money
penalty and permanently withdrawing
F.M. USA’s FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Financial failed to implement a
Quality Control Plan in compliance
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with HUD/FHA requirements; failed to
provide a clear and effective separation
between Financial Mortgage USA and
an identity of interest life insurance
company; and failed to comply with
HUD/FHA housing counseling
requirements.
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12. Franklin First Financial LTD,
Melville, NY [Docket No. 09–9822–MR]
Action: On March 23, 2010, the Board
entered into a settlement agreement
with Franklin First Financial LTD
(Franklin First) requiring Franklin First
to pay a civil money penalty in the
amount of $413,500, to indemnify HUD
on thirty-one loans, and reimburse fees
to 78 borrowers without admitting fault
or liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Franklin First failed to comply
with HUD’s requirements concerning
the registration of the following ‘‘doing
business as’’ (d/b/a) names: Hancock
First Mortgage Bankers, Kennedy First
Mortgage Bankers, Presidents First
Mortgage Bankers, and Senior Funding
Group with the states in which it was
doing business and with the
Department; improperly used the HUD
seal on its Web site; failed to ensure that
loan applications were taken and
processed by Franklin First employees;
approved loans where borrowers failed
to meet HUD’s minimum credit
requirements because Franklin First
failed to provide adequate explanations
for the derogatory credit; failed to
adequately document the stability and/
or source of income used to qualify for
loans; failed to adequately document the
source of funds used to close loans;
approved loans with debt-to-income
ratios that exceeded HUD standards
without significant compensating
factors and/or explanations; charged
borrowers excessive and impermissible
fees; failed to resolve discrepancies and/
or conflicting information in loan
documents; failed to complete quality
control reviews for loans that were 60
days past due within the first six
payments; and failed to have a written
quality control plan as required by
HUD/FHA.
13. Ideal Mortgage Bankers, Ltd. d/b/a
Lend America, Melville, NY [Docket No.
09–9787–MR]
Action: On November 30, 2009, the
Board issued a Notice of Administrative
Action permanently withdrawing Ideal
Mortgage Bankers, LTD’s (Ideal) FHA
approval and imposing a $512,500 civil
money penalty.
Cause: The Board took this action
based on the following violations of
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HUD/FHA Requirements alleged by
HUD: Ideal used conflicting information
in originating and obtaining HUD/FHA
mortgage insurance; submitted false
certifications on the HUD 92900–A,
Addendum to Uniform Residential Loan
Application, which stated that an
employee of the lender had obtained the
information contained in the
application directly from the borrower;
approved loans where borrowers failed
to meet HUD’s minimum credit
requirements; failed to adequately
document the stability and/or source of
income used to qualify the borrowers for
the FHA-insured mortgages; failed to
document the source of funds used to
close the loan or to satisfy various
omitted liabilities; omitted liabilities
from the underwriting analysis without
supporting documentation, approved
loans with debt-to-income ratios that
exceeded HUD standards without
significant compensating factors and/or
explanation; exceeded HUD
requirements when calculating the
maximum insurable mortgage; failed to
process a loan in accordance with HUD
policy on loans to HUD employees;
closed a loan with an excessive
mortgage broker fee paid to an FHAapproved loan correspondent; failed to
provide the required Verification of
Rent to support its loan approval
decision; submitted false certifications
to HUD in connection with the
submission of its Yearly Verification
Report that concealed administrative
sanctions and investigations by two of
Ideal’s state regulators; failed to notify
HUD that one of Ideal’s employees was
involved in fraudulent FHA insured
mortgage originations in a timely
manner; permitted a borrower’s
Verification of Employment to be handcarried by the borrower; and approved
loans that were not in compliance with
FHA appraisal requirements.
14. Ikon Mortgage Lenders, Inc., Ft.
Lauderdale, FL [Docket No. 09–9910–
MR]
Action: On November 30, 2009, the
Board issued a Notice of Administrative
Action permanently withdrawing Ikon
Mortgage Lenders, Inc.’s (Ikon) FHA
approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Ikon failed to comply with HUD
regulations and requirements when Ikon
closed its only approved office and
failed to notify HUD of the closure.
15. Home Mortgage, Inc., Burr Ridge, IL
[Docket No. 10–1632–MR(S)]
Action: On January 25, 2010, the
Board issued Home Mortgage Inc.
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(Home Mortgage) a Notice of
Administrative Action suspending their
HUD/FHA approval pending the
outcome of a legal proceeding for
federal indictment.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Home Mortgage’s Chief Executive
Officer and 25% owner was indicted in
the United States District Court for the
Northern District of Illinois on June 23,
2009, when he was charged with one
count of bank fraud for his role in a
scheme to create fictitious loans and
warehouse those loans; Home Mortgage
failed to notify HUD of the indictment;
and Home Mortgage failed to submit its
Yearly Verification report for 2008.
16. Jett Financial Services, Inc., San
Diego, CA [Docket No. 09–9845–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to Jett Financial Services, Inc.
(Jett) permanently withdrawing their
FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Jett closed its only approved
office and failed to notify HUD.
17. Liberty State Finance LLC,
Parsippany, NJ [Docket No. 09–9560–
MR]
Action: On November 30, 2009, the
Board issued a Notice of Administrative
Action permanently withdrawing
Liberty State Finance LLC’s (Liberty)
FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD; Liberty knowingly employed
individuals who were debarred and/or
had been convicted of an offense that
reflects adversely upon its integrity,
competence, or fitness to meet the
responsibilities of an FHA-approved
mortgagee. Specifically, Liberty
employed two individuals: (a) One who
was debarred by HUD during the
relevant period of time; and (b) one who
had pleaded guilty to committing HUD
fraud. Liberty also falsely certified on
HUD Form 92900–A, Addendum to
Uniform Residential Loan Application,
that two mortgages were eligible for
FHA insurance despite the fact that an
ineligible individual was involved in
the origination of the loans and failed to
ensure that loan applications were taken
and processed by authorized
individuals and employees.
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18. Meridian Lending, Monroe, GA
[Docket No. 09–9914–MR]
Action: On April 21, 2010, the Board
issued a Notice of Administrative
Action to Meridian Lending (Meridian)
immediately withdrawing their FHA
approval for a period of one year.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Meridian approved and closed a
loan where the spouse was added to
title without regard for his/her debts
and overall creditworthiness; failed to
perform quality control reviews of loans
that went into default within the first
six months; and failed to notify HUD of
a business change when it failed to
notify HUD that it had closed its home
office.
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19. Nations Direct, LLC, Irvine, CA
[Docket No. 08–8099–MR]
Action: On December 1, 2009, the
Board entered into a settlement
agreement with Nations Direct, LLC
(Nations Direct) requiring Nations Direct
to pay a $3,500 civil money penalty.
Cause: The Board took this action
based on the following violations of
HUD/FHArequirements alleged by HUD;
Nations Direct used the official HUD
logo on materials posted on its corporate
Web site.
20. North Shore Financial, Inc., East
Meadow, NY [Docket No. 09–9623–MR]
Action: On November 30, 2009, the
Board issued a Notice of Administrative
Action to North Shore Financial, Inc.
(North Shore) immediately and
permanently withdrawing their FHA
approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: North Shore permitted nonemployees and/or mortgage brokers to
participate in the loan process; failed to
adequately staff its office because it
never had any employees; failed to
comply with multiple requests from
HUD’s OIG Office of Investigation to
make its mortgage origination files
available for review; and failed to
provide evidence that original
documents were reviewed, in that the
loan files contained faxed documents
with no indication that North Shore
received and/or reviewed the original
documents, or was able to clearly
identify the source from which the
documents originated.
21. Paramount Bond Mortgage
Company, Inc., St Louis, MO [Docket No
09–9262–MR]
Action: On March 29, 2010, the Board
entered into a settlement agreement
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with Paramount Bond Mortgage
Company, Inc. (Paramount) requiring
Paramount to pay a $68,500 civil money
penalty and to indemnify HUD on nine
loans without admitting fault or
liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Paramount failed to ensure that its
employees were exclusive and did not
have outside employment in the
mortgage lending, real estate, or other
related field; failed to adequately
document income, a stable two-year
employment history, and other forms of
effective qualifying income; failed to
document significant compensating
factors for loans that exceeded HUD’s
debt-to-income ratio; failed to document
the source and/or adequacy of
borrowers’ funds required to close the
loans; and failed to include all of the
borrower’s liabilities in loan
qualification for loans.
22. Premiere Service Mortgage Corp,
Westchester, OH [Docket No. 09–9001–
MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to Premiere Service Mortgage
Corp. (Premiere) permanently
withdrawing their FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Premiere closed its approved
offices and failed to notify HUD.
23. Premium Capital Funding LLC d/b/
a TopDot Mortgage, Jericho, NY [Docket
No. 09–9001–MR]
Action: On January 25, 2010, the
Board issued a Notice of Administrative
Action to Premium Capital Funding LLC
d/b/a TopDot Mortgage (Premium)
permanently withdrawing their FHA
approval and imposing a civil money
penalty in the amount of $674,000.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Premium failed to maintain and
implement a Quality Control Plan in
compliance with FHA requirements;
failed to ensure that QC reviews were
conducted on loans that went into
default within the first six months;
failed to resolve discrepancies and/or
conflicting information in the
origination of loans; failed to document
a stable two-year employment history
and other forms of effective income on
loans; approved loans with debt-toincome ratios that exceeded HUD
standards without significant
compensating factors; failed to calculate
income properly on loans; approved
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loans that did not meet minimum credit
requirements; omitted revolving and
installment debt liabilities on loans
without documenting that the balance
had been paid or otherwise should have
been excluded; allowed an appraiser
who was not on the FHA Roster to
appraise a home on a loan; failed to
ensure that loans met the eligibility
requirements for FHA insurance; and
exceeded HUD requirements when they
calculated the maximum mortgage
amount.
24. PrimeWest Mortgage Corporation,
Lubbock, TX [Docket No. 09–9613–MR]
Action: On February 2, 2010, the
Board entered into a settlement
agreement with PrimeWest Mortgage
Corp (PrimeWest) requiring PrimeWest
to pay a $168,500 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: PrimeWest permitted a third-party
to originate HUD/FHA insured mortgage
loans, and subsequently submitted false
certifications to HUD that these loans
were originated by a full-time employee;
failed to implement a Quality Control
(QC) plan in compliance with HUD/
FHA requirements; failed to maintain
QC reports as required by HUD/FHA;
failed to document the borrower’s
income in accordance with FHA
requirements; and charged a borrower
an unallowable tax service fee.
25. ProMortgage, Incorporated,
Claremore, OK [Docket No. 09–9605–
MR]
Action: On January 25, 2010, the
Board issued a Notice of Administrative
Action to ProMortgage, Inc.
(ProMortgage) permanently
withdrawing their FHA approval and
imposing a civil money penalty in the
amount of $124,000.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: ProMortgage failed to perform a
Quality Control review on loans that
went into default within the first six
payments; failed to adopt and maintain
a Quality Control (QC) Plan in
accordance with HUD/FHA
requirements; engaged in a prohibited
branch arrangement; made false
certifications on the form HUD–92900–
A Addendum to the Uniform
Residential Loan Application (URLA);
failed to comply with HUD/FHA
requirements for home office operations;
failed to report compensation to an
employee on IRS form W–2; and failed
to process Verifications of Employment
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(VOE) on loans in compliance with
HUD/FHA requirements.
26. Strategic Mortgage Corp., Oklahoma
City, OK [Docket No.09–9606–MR]
Action: On January 25, 2010, the
Board issued a Notice of Administrative
Action to Strategic Mortgage Corp.’s
(Strategic) permanently withdrawing
their FHA approval and imposing a civil
money penalty against Strategic in the
amount of $71,000.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Strategic hired loan officers as
independent contractors and reported
their compensation on IRS form 1099’s
instead of the required W–2 forms;
improperly charged borrowers a broker
fee in addition to an approximate 1%
origination fee for loans it originated;
submitted a false certification to the
Department in connection with an FHAinsured loan; and failed to disclose the
broker fees charged to borrowers on the
Good Faith Estimates (GFE); charged
borrowers commitment fees without a
written agreement guaranteeing the
interest rate and discount points.
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27. Sun West Mortgage Company, Inc.,
Cerritos, CA [Docket No. 09–9806–MR]
Action: On December 1, 2009, the
Board entered into a settlement
agreement with Sun West Mortgage
Company (Sun West) requiring Sun
West to pay a $10,000 civil money
penalty without admitting fault or
liability and issued Sun West a letter of
reprimand.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: Sun West underwrote HECM
loans without having the necessary
HECM lending license in the state
where the properties were located and
failed to notify the Department that the
Massachusetts Commissioner of Banks
had issued a Findings of Fact and
Temporary Order to Cease and Desist
against it.
28. USA Home Loans, Towson, MD
[Docket No. 09–9374–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to permanently withdraw USA
Home Loan’s FHA approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: USA Home Loans failed to ensure
HUD’s minimum credit requirements
were satisfied; failed to verify income
and employment histories; failed to
document the source and/or adequacy
of funds for the closing costs and/or
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debt satisfaction; failed to verify
documents faxed from an unknown
source; failed to ensure that properties
met the conditions specified on the
Uniform Residential Appraisal Reports,
and were eligible for FHA insurance;
failed to discontinue misleading
advertising concerning the FHA
Mortgage Insurance Premium Refund,
despite previous sanctions imposed by
the Board for the same violation;
charged prohibited, duplicative, and/or
non-customary, non-reasonable fees to
borrowers; failed to ensure the
completeness and accuracy of the data
submitted to HUD; failed to develop and
implement a Quality Control Plan in
accordance with HUD/FHA
requirements; and failed to notify HUD/
FHA that it did not renew its license to
originate home mortgages.
29. US Bank, NA, Minneapolis, MN
[Docket No. 09–9441–MR]
Action: On February 2, 2010, the
Board entered into a settlement
agreement with US Bank, NA requiring
US Bank, NA to pay a $37,500 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: US Bank, NA failed to comply
with HUD documentation requirements
for the assignment of a defaulted multifamily apartment mortgage.
30. U.S. Mortgage Corp., Pine Brook, NJ
[Docket No. 09–9615–MR]
Action: On October 30, 2009, the
Board issued a Notice of Administrative
Action to immediately and permanently
withdraw U.S. Mortgage Corp.’s FHA
approval.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: U.S. Mortgage Corp. no longer had
the requisite warehouse line of credit or
other mortgage-funding program
acceptable to HUD.
32. VanDyk Mortgage Corporation,
Grand Rapids, MI [Docket No. 09–9602–
MR]
Action: On December 1, 2009, the
Board entered into a settlement
agreement with VanDyk Mortgage
Corporation (VanDyk) requiring the
payment of a $7,500 civil money
penalty and requiring VanDyk to
indemnify HUD against future losses on
two loans without admitting fault or
liability.
Cause: The Board took this action
based on the following violations of
HUD/FHA requirements alleged by
HUD: VanDyk failed to ensure that loan
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43541
applications were taken and processed
by authorized employees; failed to
document income in accordance with
FHA requirements; and failed to adhere
to FHA/HUD requirements regarding an
employee’s involvement in obtaining an
FHA-insured loan for themselves.
II. Lenders That Failed To Meet
Requirements for Annual
Recertification of HUD/FHA Approval
Action: The Board voted to
immediately withdraw FHA approval
for a period of one year for each of the
lenders listed below.
Cause: The Board took this action
because the lenders were not in
compliance with the Department’s
annual recertification requirements.
1. 1st Advantage Mortgage LLC,
Lombard, IL.
2. 1st Alliance Banc Corporation,
Chicago, IL.
3. 1st America LLC, Scottsdale, AZ.
4. 1st American Funding LLC,
Fairfield, NJ.
5. 1st Family Mortgage Inc., Cooper
City, FL.
6. 1st Nations Mortgage Corp,
Louisville, CO.
7. 2CI Direct LLC, Westlake Village,
CA.
8. 4G Funding Inc., Port Jefferson Stat,
NY.
9. A & R Mortgage Inc., Downers
Grove, IL.
10. AAA Mortgage Loans Investments,
Saint Petersburg, FL.
11. AAA Reverse Mortgage Inc.,
Kissimmee, FL.
12. Aarow Mortgage Services Inc.,
Laurel, MD.
13. ABBA Mortgage Company LLC,
Alexandria, VA.
14. ABC Home Loans, Reisterstown,
MD.
15. ABN AMRO Mortgage Group,
Troy, MI.
16. Absolute Lending Group Inc.,
Doral, FL.
17. Abstract Mortgage Services Inc.,
Nashville, TN.
18. Abundant Life Mortgage &
Financial Serv, Reynoldsburg, OH.
19. Acacia Mortgage Corporation,
Mesa, AZ.
20. Acadian Financial LLC, Grand
Rapids, MI.
21. Accelerated Equity and
Development Inc., Bluffdale, UT.
22. Accelerated Home Loan LLC,
Toms River, NJ.
23. Access Financial Group Inc.,
McDonough, GA.
24. Access Funding Partners LLC,
Saint Louis, MO.
25. Access Mortgage Corporation,
Warwick, RI.
26. Acclaim Mortgage, Denver, CO.
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27. Ace Mortgage Funding LLC,
Indianapolis, IN.
28. Adam Smith Mortgage Inc.,
Marlborough, MA.
29. Adept Financial Consulting Inc.,
Minneapolis, MN.
30. Advanced Home Loans
Corporation, Marco Island, FL.
31. Advanced Mortgage Solutions,
Chandler, AZ.
32. Advantage First Mortgage Inc.,
Beaverton, OR.
33. Advantage Funding Group LLC,
Saint Paul, MN.
34. Advantage One Mortgage
Corporation, Plantation, FL.
35. Advantage One Mortgage Services
Corp, Mount Laurel, NJ.
36. Advantix Lending Inc., Irvine, CA.
37. Advent Mortgage LLC, Louisville,
KY.
38. Advocate Mortgage Group Inc.,
Baltimore, MD.
39. Aegis Wholesale Corporation,
Houston, TX.
40. Aero Lending Group Inc., Dublin,
OH.
41. AHM SV, Inc., Irving, TX.
42. AIM American Mortgage Inc.,
Houston, TX.
43. Alan Benjamin Mortgage Services
LLC, Dublin, OH.
44. All American Mortgage Co Inc.,
Miami, FL.
45. All American Mortgage Inc.,
Hermitage, TN.
46. All Credit Mortgage LLC, De Pere,
WI.
47. All Nations Mortgage Corp, Las
Vegas, NV.
48. All Time Mortgage Corporation,
Miami, FL.
49. All-America Financial
Incorporated, Laguna Hills, CA.
50. All-American Mortgage Network,
Southfield, MI.
51. Alliance Financial Services LLC,
Montgomery, AL.
52. Alliance Mortgage Inc., Ridgeland,
MS.
53. Alliance Resource Mortgage
Company LLC, Mobile, AL (Titles 1 &
2).
54. Allied Capital Mortgage Company,
Jacksonville, FL.
55. Alligriff Mortgage Corporation,
Washington Ct House, OH.
56. Always Home Mortgage LLC,
Syracuse, NY.
57. Ambassador Funding and
Investments Inc., Valley Springs, CA.
58. AME Financial Corporation,
Alpharetta, GA.
59. Ameribanc Financial Corporation,
West Dundee, IL.
60. America East Mortgage LLC,
Frederick, MD.
61. America First Mortgage Co Inc.,
Glen Carbon, IL.
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62. America Mortgage Company,
Chicago, IL.
63. America One Financial Inc.,
Portland, OR.
64. American Capital Mortgage Corp.,
Portland, OR.
65. American Central Mortgage Corp,
Northlake, IL.
66. American Dream Funding
Corporation, Maryville, IL.
67. American Elite Mortgage Inc., Salt
Lake City, UT.
68. American Family Mortgage Corp,
Wilmington, DE.
69. American Family Mortgage
Partners Inc., Coral Gables, FL.
70. American Financial Partners LLC,
Maryland Heights, MO.
71. American Group Mortgage Corp,
Newtown, PA.
72. American Guaranty Mortgage,
LLC, Greenwood Village, CO.
73. American Home Lending Inc.,
Bellmawr, NJ.
74. American Home Loans LLC,
Fishers, IN.
75. American Home Mortgage Corp,
Waterford, MI.
76. American Mortgage Funding Corp,
Fort Lauderdale, FL.
77. American Mortgage Services LLC,
Green Bay, WI.
78. American Nationwide Mortgage
Inc., Las Vegas, NV.
79. American River Bank, Cameron
Park, CA.
80. America’s 1st Mortgage Services
Inc., Augusta, GA.
81. America’s Best Lending Network,
Coral Springs, FL.
82. America’s Best Mortgage Inc.,
Brandon, FL.
83. America’s First Choice Lending,
Inc., Duluth, GA.
84. America’s Lending Solutions,
LTD, Seven Hills, OH.
85. America’s Mortgage Corp, Lake
Worth, FL.
86. Americas Mortgage Group Inc.,
Columbus, OH.
87. Americas Mortgage Solutions LLC,
Plantation, FL.
88. Americawide Inc., Westlake
Village, CA.
89. Americor Lending Group Inc.,
Santa Ana, CA.
90. Ameritrust Mortgage Services
LLC, Greenwood, IN.
91. Amstar Financial Mortgage Inc.,
Atlanta, GA.
92. Anastasia Mortgage Corp., St.
Augustine, FL.
93. ANB Financial National
Association, Bentonville, AZ.
94. Anchor Mortgage LLC, Gilbert,
AZ.
95. Ancient City Mortgage, Saint
Augustine, FL.
96. A–One Mortgage Consultants Inc.,
Hollywood, FL.
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97. Apex Mortgage Services LLC,
Columbus, OH.
98. Apex Mortgage Solutions LLC,
Clearwater, FL.
99. Apollo Mortgage Group LLC,
Birmingham, MI.
100. Arcadia Mortgage Inc., Salt Lake
City, UT.
101. Argosy Financial Group, LLC,
Lyndhurst, NJ.
102. Arizona Sonora Mortgage Inc.,
Tucson, AZ.
103. Armanini Inc., Wailuku, HI.
104. Artisan Mortgage LLC, Metairie,
LA.
105. Artisan Mortgage LLC,
Scottsdale, AZ.
106. Ashley Valley Financial Services
Inc., Vernal, UT.
107. Asix Group, Inc., Indianapolis,
IN (Titles 1 & 2).
108. Asset Managing Group Inc.,
Jacksonville, FL.
109. At Home Mortgage Corp, Neosho,
MO.
110. Atlantic Capital Mortgage,
Clearwater, FL.
111. Atlantic Coast Mortgage Svcs,
Pleasantville, NJ.
112. Atlantic Lending Corporation,
Jupiter, FL.
113. AtlantisFinancial Services Inc.,
Sewickley, PA.
114. Aurora Financial Services Inc.,
New Orleans, LA.
115. Avenya Inc., Brandon, FL.
116. Axis Mortgage Corporation,
Oswego, IL.
117. Aztec Funding, Somerton, AZ.
118. Banc Home Loans LLC, Hanover,
MD.
119. Banc Ohio Mortgage Corporation,
Fairlawn, OH.
120. Bank of Astoria, Warrenton, OR.
121. Bank of Clark County,
Vancouver, WA.
122. Bankcredit Mortgage Inc., Boca
Raton, FL (Titles 1 & 2).
123. Bankstreet Mortgage LLC, New
London, CT.
124. Bann Cor Mortgage Inc., Mission
Viejo, CA (Titles 1 & 2).
125. Barrington Mortgage, Barrington,
IL.
126. Bay Mortgage Services Inc.,
Plymouth, MA (Titles 1 & 2).
127. Bayside Mortgage Funding Inc.,
Clearwater, FL.
128. Becker Group Financial,
Sacramento, CA.
129. Beneficial Financial Mortgage
Corp, Hialeah, FL.
130. Bergin Financial Inc., Southfield,
MI.
131. Berman Mortgage Corporation,
Miami, FL.
132. Best American Mortgage
Company LLC, Hinesville, GA.
133. Better Family Mortgage Corp., St.
Louis, MO.
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134. Bhatti Enterprises Inc., Ft
Lauderdale, FL.
135. Black Diamond Mortgage Inc.,
Oakbrook Terrace, IL.
136. Blatz Mortgage Company LLC,
Prattville, AL.
137. Blee Financial Inc., Inglewood,
CA.
138. Blue Bell Mortgage Group LP,
Blue Bell, PA.
139. Blue Cap Funding LLC,
Baltimore, MD.
140. Blue Chicago Financial Corp,
Chicago, IL.
141. Blue Saphire Investments, Union
City, CA (Titles 1 & 2).
142. Bona Fide Mortgage Corporation,
Wilmington, DE.
143. Bright Star Mortgage Company,
Westchester, IL.
144. Broad Ripple Mortgage Inc.,
Indianapolis, IN.
145. Broad Solutions Lending LP,
Plano, TX.
146. Brown and Wagner Mortgage
Inc., Springfield, MO.
147. Bryco Funding Inc., San
Francisco, CA.
148. Builders Mortgage LLC,
Scottsdale, AZ.
149. Burton and Burton Mortgage Inc.,
Tallahassee, FL.
150. Bush & Hewitt Holding Inc.,
Temecula, CA.
151. BWM Mortgage LLC, Wauwatosa,
WI.
152. C and G Financial Services Inc.,
Upland, CA.
153. Cal State Relocation Inc.,
Carmichael, CA.
154. California Funding Corp, Los
Angeles, CA.
155. California Home Investments,
Anaheim, CA.
156. Callycorp Financial Inc.,
Vancouver, WA.
157. Cambridge Financial Group LLC,
Bingham Farms, MI.
158. Capital City Mortgage
Incorporated, Costa Mesa, CA (Titles 1
& 2).
159. Capital Direct Financial Inc.,
Rancho Santa Margar, CA.
160. Capital Finance, Inc., Saint Paul,
MN.
161. Capital Financial Services, Inc.,
Salt Lake City, UT (Titles 1 & 2).
162. Capital Home Loans Inc.,
Allentown, PA.
163. Capital Mortgage Corporation,
East Greenwich, RI.
164. Capital Trust Mortgage &
Financial Group, Atlanta, GA.
165. Capstar Mortgage Bankers Inc.,
Melville, NY.
166. Capstone Inc., Vancouver, WA.
167. Captus Capital Inc., Vienna, VA.
168. Cardinal Banc Mortgage Corp,
Brecksville, OH.
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169. Carnegie Hill Corporation,
Scottsdale, AZ.
170. Casa Blanca Mortgage Inc.,
Woodland Hills, CA (Titles 1 & 2).
171. Cash Fast Finance LLC, Phoenix,
AZ.
172. Cassius Inc., Richmond, KY.
173. CBA Commercial, LLC, Stamford,
CT.
174. CBAC Funding LLC, Stamford,
CT.
175. CBSK Financial Group INC,
Irvine, CA (Titles 1 & 2).
176. Cedar Mortgage Company, San
Jose, CA.
177. Celebrity Mortgage LLC,
Parsippany, NJ (Titles 1 & 2).
178. Centennial Financial Services
Inc., Wayne, NJ.
179. Centennial Mortgage and
Financial Serv I, Centennial, CO.
180. Central Coast One Stop Mortgage
Group Inc., Santa Maria, CA.
181. Central Fidelity Mortgage
Corporation, Atlanta, GA.
182. Central Funding Inc., Duluth,
GA.
183. CenTrust Bank, Deerfield, IL.
184. Century Bank NA, Dallas, TX.
185. Century Home Mortgage LLC,
Southaven, MS.
186. Century Plaza Mortgage,
Rowland Heights, CA.
187. Cetus Mortgage LTD, Reno, NV.
188. Challenge Financial Investors
Corp, Saint Petersburg, FL.
189. Champion Lending Group, El
Paso, TX.
190. Charter Mortgage Corporation,
Tulsa, OK.
191. Charter West Mortgage, LLC,
Grand Rapids, MN.
192. CHFS LTD, Mesquite, TX.
193. Chicago First Mortgage Inc.,
Chicago, IL.
194. Chicago Funding Inc., Addison,
IL.
195. Chicago United Mortgage Inc.,
Chicago, IL.
196. Choice Bank, Scottsdale, AZ.
197. Choice Mortgage Company,
Pontiac, MI.
198. Choice One Mortgage Inc., Lake
Zurich, IL.
199. Citizens First Mortgage Solutions
Inc., Snellville, GA.
200. Citizens State Bank, Kingsland,
GA.
201. City and Suburban, FSB,
Yonkers, NY.
202. City Mortgage Group Inc.,
Vienna, VA.
203. City National Bank, Longview,
TX.
204. Cityfirst Mortgage LLC, Colorado
Springs, CO.
205. Citywide Financial Group, Long
Beach, CA.
206. Citywide Mortgage Corp,
Landover, MD.
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43543
207. CJM Mortgage Corp, Pompton
Lakes, NJ.
208. Clark Welsh Mortgage Group
Inc., Indianapolis, IN.
209. Clarkston State Bank, Clarkston,
MI.
210. Classic Home Mortgage LLC,
Centennial, CO.
211. Classic Mortgage Funding Inc.,
Winter Park, FL.
212. Classic Mortgage, O Fallon, IL.
213. Clearwater Mortgage Acceptance
Corp, Sebring, FL.
214. Coast 2 Coast Group Inc., Las
Vegas, NV.
215. Coastal Carolina Mortgage
Lenders Inc., Kinston, NC.
216. Cobb Energy Mortgage Services
LLC, Marietta, GA.
217. Coldwater Canyon Capital, LLC,
Broomall, PA.
218. Collateral Mortgage Corporation,
Woodstock, GA.
219. Colonial Atlantic Mortgage Inc.,
Silver Spring, MD.
220. Colonial Credit LLC, West
Warwick, RI.
221. Colonial Mortgage Lending Inc.,
Fort Lauderdale, FL.
222. Colorado Lending Group I LLC,
Westminster, CO.
223. Colson Mortgage Company, LP,
North Richland Hill, TX.
224. Community Bank Meridian MS,
Meridian, MS.
225. Community Home Lending Inc.,
Birmingham, AL.
226. Community Home Mortgage
Corp, Fort Lauderdale, FL.
227. Comparison Mortgage Inc.,
Redford, MI.
228. Compass Mortgage LLC,
Edmonds, WA.
229. Compass Mortgage Services Inc.,
Boca Raton, FL.
230. Complete Mortgage Corporation,
Farmington Hills, MI.
231. Construction Lending Group Inc.,
Ft Lauderdale, FL.
232. Consumer Credit Services Inc.,
Orange Park, FL.
233. Continental Mortgage Funding
Corporation, Indianapolis, IN.
234. Cornerstone Mortgage Corp, Lake
Oswego, OR.
235. Corporate Capital Mortgage, Inc.,
Copiague, NY.
236. Countryside Home Loans,
Cockeysville, MD.
237. Credit Financial Services LLC,
Cincinnati, OH.
238. Cresland Mortgage Co LLC,
Plymouth, MN.
239. Crosscountry Home Loans Inc.,
Brea, CA.
240. CSM Mortgage Inc., Leawood,
KS.
241. CSMG Corp, Las Vegas, NV.
242. Cumberland Bank, Franklin, TN.
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243. Dalmac Mortgage Inc., Houston,
TX.
244. Dana Capital Group Inc., Irvine,
CA (Titles 1 & 2).
245. Del Mar Home Loans Inc., La
Mesa, CA.
246. Delta Financial Corp, Oakland
Park, FL.
247. Delta Home Loans Inc., Los
Angeles, CA.
248. Deschutes Mortgage Group Inc.,
Bend, OR.
249. Desert Valley Mortgage, Saint
George, UT.
250. Dewitt Mortgage Group Inc.,
Evansville, IN.
251. Diamond Home Mortgage
Corporation, Westmont, IL.
252. Direct Financial Solutions Corp,
Riverdale, NJ.
253. Direct Lending Inc., Livonia, MI.
254. Direct Loan Funding Inc.,
Foothill Ranch, CA.
255. Direct Mortgage Inc., Rancho
Cucamonga, CA (Titles 1 & 2).
256. Discount Mortgage Finders, Fort
Lauderdale, FL.
257. Discount Mortgage Lenders, Inc.,
Oak Brook, IL.
258. Diversified Mortgage Services,
Inc., Louisville, KY.
259. Dixie Mortgage Corp., Lake
Worth, FL.
260. Dollar Investment Corp.,
Memphis, TN.
261. Dollar Mortgage Corporation, La
Mesa, CA (Titles 1 & 2).
262. Dolphin Mortgage Corporation,
Lombard, IL.
263. Domus Mortgage Services, Inc.,
Blauvelt, NY.
264. Dougherty Mortgage, Inc.,
Homewood, IL.
265. Douglass Bank, Kansas City, KS
(Titles 1 & 2).
266. Dream House Mortgage
Corporation, Providence, RI.
267. DTR Investments, Inc., Atlanta,
GA.
268. Dynamic Mortgage Bankers Ltd.,
Westbury, NY.
269. E Lending Corp., Cleveland, OH.
270. E Loan Mortgage Funding Corp.,
Parsippany, NJ.
271. Eagle Mortgage and Consultants,
Inc., Lansing, IL.
272. Eagle Mortgage Brokerage, Inc.,
Peoria, IL.
273. Eastern American Mortgage Co.,
Little Falls, NJ (Titles 1 & 2).
274. Eastern Residential Mortgage
LLC, Columbia, MD.
275. Efficient Lending Corp., Irvine,
CA (Titles 1 & 2).
276. ELend Mortgage LLC, Houston,
TX.
277. Elite Capital Management, Inc.,
Palos Heights, IL.
278. Elite Mortgage Company,
Schaumburg, IL.
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279. Elite Mortgage Group, Inc.,
Ridgefield, NJ.
280. E–Loan, Inc., Pleasanton, CA.
281. Elysian Mortgage LLC, Hoboken,
NJ.
282. Embassy Mortgage, Inc., Silver
Spring, MD.
283. Emerald Financial Group LLC,
Independence, OH.
284. Emic International Corp., Dallas,
TX.
285. Empire Mortgage Services II, Inc.,
Palm Harbor, FL.
286. Entrust Mortgage, Inc.,
Englewood, CO (Titles 1 & 2).
287. Equity 1 Mortgage, LLC,
Brookfield, WI.
288. Esperanza Financial Services,
Inc., Berwyn, IL.
289. Evergreen Mortgage Co., Inc.,
Smithtown, NY.
290. Evergreen Mortgage Services
LLC, Canton, MI.
291. EVest Lending, Inc., Westbrook,
ME.
292. Excellence Mortgage
Corporation, Sandy, UT.
293. Exclusive Bancorp, Inc.,
Lincolnwood, IL.
294. Exclusive Home Mortgage, Inc.,
Kissimmee, FL.
295. Exclusive Metro Mortgage LLC,
Atlanta, GA.
296. Executive Funding, Inc., Ogden,
UT.
297. E–Z Mortgage Corp., Union City,
NJ.
298. Fairway Mortgage Corporation,
Crofton, MD.
299. Family Home Mortgage, Inc.,
Ligonier, PA.
300. Family Investment Mortgage,
Palm Harbor, FL.
301. Familyhomeloans.Net, Inc.,
Laguna Hills, CA.
302. Farmers State Bank of Fulton
County, Lewistown, IL.
303. Fast Track Funding Corp.,
Hicksville, NY.
304. Fastrack Financial LLC,
Dearborn, MI.
305. FCM Corporation, Canoga Park,
CA.
306. FCRMS, Inc., San Diego, CA.
307. Federalguaranty Mortgage
Company, Pembroke Pines, FL.
308. FHM Mortgage Group LLC,
Parsippany, NJ.
309. Fidelity Mortgage Co., Inc., West
Bloomfield, MI.
310. Fidelity Mutual Mortgage, Inc.,
North Palm Beach, FL (Titles 1 & 2).
311. Fifth Third Bank, Cincinnati,
OH.
312. Finance First Mortgage Corp.,
Hialeah, FL.
313. Finance Mortgage of America,
Inc., Miami, FL.
314. Financial Center Mortgage and
Investment, Lake Oswego, OR.
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315. Financial Lending Group, Inc.,
Miami, FL.
316. First American Bank, Decatur,
AL.
317. First Atlantic Resources Corp.,
Manasquan, NJ.
318. First Bank of Arizona N.A.,
Scottsdale, AZ.
319. First Call Mortgage Company,
Andover, MA.
320. First Capital Mortgage of Central
Florida, Maitland, FL.
321. First Choice Mortgage
Corporation, Florence, KY.
322. First Class Financial Corporation,
Southfield, MI.
323. First Commercial Bank N.A.,
Little Rock, AR.
324. First Countywide Mortgage
Corp., Hialeah, FL (Titles 1 & 2).
325. First Discount Mortgage, Atlanta,
GA.
326. First Equity Funding Corp.,
Lauderdale Lakes, FL.
327. First Fidelity Financial Corp., Ft.
Lauderdale, FL.
328. First Fidelity Mortgage Group
Ltd., Smithtown, NY.
329. First Financial Home Lending,
Inc., Cincinnati, OH.
330. First Financial Lending LLC,
Wauwatosa, WI.
331. First Florida International
Mortgage, Kissimmee, FL.
332. First Florida State Mortgage
Corporation, Melbourne, FL.
333. First Gulf Bank, Summerdale,
AL.
334. First Heritage Mortgage Corp.,
Altamonte, FL.
335. First Home Financial Services,
Inc., Chesterfield, MO.
336. First Independent Bank,
Vancouver, WA.
337. First Jersey Mortgage Services,
Inc., Union City, NJ.
338. First Lenders Choice Corp.,
Miami, FL.
339. First Madison Mortgage
Corporation, Rockville, MD.
340. First Madison Services, Inc.,
Shelton, CT.
341. First Mortgages Lenders of
Tampa Bay, Inc., Palm Harbor, FL.
342. First National Bank of Millstadt,
Millstadt, IL.
343. First National Bank of Nevada,
Scottsdale, AZ.
344. First National Bank,
Christiansburg, VA.
345. First National Mortgage Bank,
Inc., Dayton, OH.
346. First Option Mortgage, Inc.,
Roseville, CA.
347. First Pacific Funding
Corporation, Upland, CA.
348. First Premier Finance LLC,
Branson, MO.
349. First Priority Mortgage, Inc.,
Norcross, GA.
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350. First Quest Financial Corp.,
North Wales, PA.
351. First Quest Financial, Inc., Santa
Ana, CA.
352. First Rate Mortgage Co., Fraser,
MI.
353. First Southern Mortgage
Company, Inc., Mobile, AL.
354. First State Home Loan Ltd.,
Austin, TX.
355. First State Mortgage Company,
Longwood, FL.
356. First Street Financial, Inc.,
Irvine, CA.
357. First Suburban Mortgage Corp.,
Riverside, IL.
358. First Trade Union Savings Bank
FSB, Boston, MA.
359. First United Mortgage Banking
Corp., Jericho, NY.
360. First Universal Financial, Inc.,
Reno, NV.
361. Firstcity Bank, Stockbridge, GA.
362. Five Star Mortgage Services, Inc.,
Jacksonville, FL (Titles 1 & 2).
363. Fixed Rate Holdings, Inc., Lake
Forest, CA.
364. Florida Atlantic Mortgage Corp.,
Inc., Margate, FL.
365. Florida Business Finance Corp.,
Jacksonville, FL (Titles 1 & 2).
366. Florida Living Mortgage Group
Corp., Orlando, FL.
367. Florida’s Best Home Mortgages,
Inc., Parkland, FL.
368. Floridian Bank, Daytona Beach,
FL.
369. Focus Financial LP, Ogden, UT.
370. Ford Financial LLC, Somerville,
NJ.
371. Foremost Mortgage Associates,
Inc., Cranston, RI.
372. Fort Knox National Bank,
Elizabethtown, KY.
373. Four Corners Realty Financial,
Irvine, CA.
374. Franale LLC, Houston, TX.
375. Franklin Bank SSB, Houston, TX.
376. Freedom Bank of Georgia,
Commerce, GA.
377. Freedom Home Mortgage Corp.,
Wayne, NJ.
378. Freedom Homes, Inc., Oklahoma
City, OK.
379. Freedom Mortgage Team, Inc.,
Oakbrook Terrace, IL.
380. FSM Holding Corp., San Diego,
CA.
381. Full Circle Financial LLC, Kent,
WA.
382. Funded Capital Mortgage, Inc.,
Beverly Hills, CA.
383. Funding Mortgage Ltd., Chicago,
IL.
384. Future Financial LLC, Oakbrook
Terrace, IL.
385. G and G Financial Network, Inc.,
Fort Collins, CO.
386. G.M.C. Financial Corporation,
Phoenix, AZ.
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387. Gateway Home Loans LLC,
Glastonbury, CT.
388. Gateway Mortgage Lending, Inc.,
Clive, IA.
389. GB&T Bancshares, Inc.,
Cumming, GA.
390. Generation V, Inc., Greenwood
Village, CO.
391. Genesis Financial Group LLC,
Smyrna, TN (Titles 1 & 2).
392. Geneva Mortgage Corp.,
Rockville Centre, NY.
393. Georgia Mortgage Consultants,
Inc., Acworth, GA.
394. GFTR Holdings, Inc., Atlanta,
GA.
395. Gibraltar Mortgage Corporation,
East Lansing, MI.
396. Gibraltar Mortgage Loans &
Investment Inc., Hudson, FL.
397. Global Equity Lending, Inc.,
Johns Creek, GA.
398. Globe Mortgage Network, Inc.,
Boca Raton, FL.
399. GMAC Mortgage USA
Corporation, Kailua, HI.
400. Go Financial Group, Inc.,
Greenbelt, MD.
401. Gold Coast Mortgage LLC,
Northfield, NJ.
402. Gold Mortgage Banc, Inc., Olathe,
KS.
403. Golf Crest Mortgage, Inc., Tampa,
FL.
404. Goodman Financial Institute of
America, St. Petersburg, FL.
405. Grand Central Mortgage Corp.,
Birmingham, AL.
406. Grand Mortgage Corporation,
Palatine, IL.
407. Great New England Mortgage Co.,
Inc., North Attleboro, MA.
408. Greater Northwest Mortgage, Inc.,
Clackamas, OR.
409. Greater United Home Funding,
Inc., Orlando, FL.
410. Green Pastures Mortgage &
Finance Co. LLC, Lutherville, MD.
411. Greylock Federal Credit Union,
Pittsfield, MA.
412. Gulf Coast Mortgage Financial
Services I, Fort Myers, FL.
413. Habitat Mortgage Company, Inc.,
Westlake, OH.
414. Hamilton Mortgage Company,
Phoenix, AZ.
415. Hammersmith Financial Corp.,
Inc., Houston, TX.
416. Heartwell Mortgage Corporation,
Grand Rapids, MI.
417. Heavensent Financial Group,
Inc., Houston, TX.
418. Heritage Mortgage Corp. of
Southwest Florida, Port Charlotte, FL.
419. Heritage Mortgage LLC,
Manassas, VA.
420. HMS Capital, Inc., Westlake
Village, CA.
421. Hollywood Mortgage
Corporation, Miramar, FL.
PO 00000
Frm 00061
Fmt 4703
Sfmt 4703
43545
422. Home America Mortgage, Inc.,
Lawrenceville, GA.
423. Home Capital Funding, San
Diego, CA.
424. Home Capital, Inc., Atlanta, GA.
425. Home Center Mortgage, Norco,
CA.
426. Home Equity Mortgage
Corporation, Miami, FL.
427. Home Equity Store, Inc., Draper,
UT.
428. Home Financial Services, Inc.,
Mineola, NY.
429. Home First Funding LLC, Winter
Park, FL.
430. Home First Mortgage, Inc., Saint
Louis, MO.
431. Home Loan Funding, Inc., Irvine,
CA.
432. Home Mortgage Finance Group
Corp., Cutler Bay, FL.
433. Home Mortgage Solutions, Inc.,
Greenwood Village, CO.
434. Home Mortgage, Inc., Burr Ridge,
IL.
435. Home One Mortgage, LLC, Largo,
MD.
436. Home Savings Mortgage,
Calabasas, CA.
437. Home Source Mortgage LLC,
Boise, ID.
438. Home Star Mortgage Corp.,
Merrick, NY.
439. Homefield Financial, Inc., Irvine,
CA (Titles 1 & 2).
440. Homelenders Financial Services,
Inc., Tempe, AZ.
441. Homeowners Friend Mortgage
Company, Inc., Orange, CA.
442. HomeQuest Mortgage Corp.,
Lombard, IL.
443. Homes and Loans, Inc.,
Sacramento, CA.
444. Homesamerica Mortgage Service,
Inc., Miami, FL.
445. HomeSouth Mortgage
Corporation, Jacksonville, FL.
446. Homestead Mortgage
Corporation, Schaumburg, IL.
447. Horizon Direct, Inc., Agoura
Hills, CA.
448. Horizon Financial Corporation,
Fairfield, NJ.
449. Howe Lagrange Mortgage Co.,
Inc., Lagrange, IN.
450. I F Key Holdings, Inc., Orange,
CA.
451. I M Navarro Corporation,
Riverside, CA.
452. Icon Financial Group, Inc.,
Berkley, MI.
453. Imperial Mortgage Company
LLC, Birmingham, AL.
454. Infinity Mortgage Service, Inc.,
Southfield, MI.
455. Innovative Solutions Treasure
Coast, Inc., Fort Pierce, FL.
456. Instant Capital Funding Group,
Inc., Orange, CA.
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457. Integra Funding Group, Inc.,
Murrieta, CA (Titles 1 & 2).
458. Integrated Finance Services LLC,
Hamden, CT.
459. Integrity Bancorp, Temecula, CA.
460. Integrity Financial Services, Oak
Brook, IL (Titles 1 & 2).
461. Intercoastal Funding Corp.,
Fountain Valley, CA.
462. Intercontinental Mortgage
Partners LP, Houston, TX.
463. Inter-Galactic Mortgage Corp.,
Los Angeles, CA.
464. Intermountain Financial LLC,
Midvale, UT.
465. International Mortgage Lenders,
Inc., Louisville, KY.
466. International Mortgage Services,
Spring Lake, NJ.
467. Investors Savings Bank,
Millburn, NJ.
468. Ires Co., Fountain Valley, CA.
469. Ironwood Lending, Inc., Phoenix,
AZ.
470. IVC Mortgage Group, Inc., Des
Plaines, IL.
471. J & L Realty Group, Inc., Elk
Grove, CA.
472. J & S Development Group, Inc.,
St. Petersburg, FL.
473. J D Myers Financial, Inc., Lake
Stevens, WA.
474. Jarvis Street Mortgage Providers,
Inc., Dawsonville, GA.
475. JC Reed Mortgage, LLC, Franklin,
TN (Titles 1 & 2).
476. JDB Mortgage, Inc., Burnsville,
MN.
477. Jefferson Independent Mortgage,
Dallas, TX.
478. Jett Financial Services, Inc., San
Diego, CA.
479. Joma Shipping and Chartering
Ltd., Southfield, MI.
480. Kaiser and Associates Mortgage
Services, Inc., Louisville, KY.
481. Kase Mortgage Banc, Inc., Elgin,
IL.
482. Kay Co. Investments, Inc.,
Novato, CA.
483. KC Mortgage Group, Inc., Kansas
City, MO (Titles 1 & 2).
484. Kemper Mortgage, Inc.,
Miamisburg, OH.
485. Key Mortgage Brokers, Inc., Fort
Myers, FL.
486. Killion Enterprises, Inc.,
Portland, OR.
487. Kinetic Mortgage Group, Inc.,
Doral, FL.
488. King Mortgage Corp., Wayne, NJ.
489. Kirkwood Financial Corporation,
Victorville, CA.
490. Koala Equity Group, Inc.,
Hollywood, FL (Titles 1 & 2).
491. Kramer Mortgage Company LLC,
West Des Moines, IA.
492. Kulman, Inc., Walnut Creek, CA.
493. L.S.M.C. Inc., Kansas City, MO.
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494. La Junta State Bank and Trust, La
Junta, CO.
495. Lakeshore Funding, Inc.,
Chicago, IL.
496. Lakeside Funding, Inc.,
Northbrook, IL.
497. LandAmerica Home Loans, Inc.,
Coral Gables, FL.
498. Laredo National Bank, Laredo,
TX.
499. LaSalle Bank Midwest National
Association, Troy, MI (Titles 1 & 2).
500. Latino Home Loans, Inc., Tampa,
FL.
501. Leahy Mortgage, Inc., Lakeland,
FL.
502. Leblond Federal Credit Union,
Cincinnati, OH.
503. Legacy Financial Services, Inc.,
Batesville, IN.
504. Legacy Lenders Group LLC,
Topeka, KS (Titles 1 & 2).
505. Legacy Mortgage, Inc.,
Springfield, NJ.
506. Lender Ltd, South Lyon, MI.
507. Lenders Rate Approval-Com
Corp., Irvine, CA.
508. Lending Group, Inc.,
Jacksonville, FL.
509. Lending.com, Inc., Dallas, TX.
510. Liberty Financial Group, Inc., St
Petersburg, FL.
511. Liberty Funding Services, Cedar
Knolls, NJ.
512. Liberty Lending Incorporated,
Santa Monica, CA.
513. Liberty Mortgage Group, Inc.,
Saint George, UT (Titles 1 & 2).
514. Liberty Mortgage LLC, Jersey
City, NJ.
515. Liberty Mortgage, Inc.,
Jacksonville, FL.
516. Liberty One Lending, Inc.,
Goodyear, AZ.
517. Lifestyle Mortgage II LLC, San
Antonio, TX.
518. Lighthouse Mortgage Advisers
LLC, Everett, MA.
519. Lighthouse Mortgage
Corporation, Fort Myers, FL.
520. Lighthouse Point Lending LLC,
Ellington, CT.
521. Lime Financial Services Ltd.,
Lake Oswego, OR (Titles 1 & 2).
522. Lincoln Lending Services LLC,
Miami, FL.
523. Lincoln Mortgage Financial
Services, Inc., Clinton, TN (Titles 1 & 2).
524. Linden Residential Credit Corp.,
Ronkonkoma, NY.
525. Link One Mortgage Bankers LLC,
Jericho, NY.
526. LMC Mortgage, Chicago, IL.
527. Loan America, Inc., Alpharetta,
GA.
528. Loan Emporium, Inc., Norco, CA.
529. LoanAmerica Home Mortgage,
Inc., Houston, TX (Titles 1 & 2).
530. Loanchoice, Inc., Miami, FL.
PO 00000
Frm 00062
Fmt 4703
Sfmt 4703
531. Loanscapes LLC, St. Louis, MO.
532. Loanstar Mortgage and
Investments Corp., Tamarac, FL.
533. Louisiana Real Estate Finance
LLC, Baton Rouge, LA.
534. LTL Financial Services, Inc.,
Frankfort, IL.
535. Luxor Investment Group, Inc.,
Bell Gardens, CA.
536. M and A Mortgage, Inc., Orange,
CA.
537. M and R Mortgage Solutions,
Chicago, IL.
538. Madison Mortgage Corporation,
Smyrna, GA.
539. MAG Financial Group, Inc.,
Monrovia, CA.
540. Magna Mortgage and
Investments, Clearwater, FL.
541. Magnolia Mortgage Company
LLC, Montgomery, AL.
542. Main Street Bank, Northville, MI.
543. Maksor Management Group LLC,
Wyoming, MI (Titles 1 & 2).
544. Maranatha Mortgage Corp.,
Algonquin, IL.
545. Mariners Capital, Inc., Newport
Beach, CA.
546. Market Capitol Group, Edmond,
OK.
547. Market Mortgage Corp., Oak
Brook, IL.
548. Mass Mortgage, Inc., West Palm
Beach, FL.
549. Mayberry Financial Corporation,
Portland, ME.
550. Mayflower Home Loans, Inc.,
Milford, OH.
551. MBA Financial Solutions, Forest
Hill, MD.
552. MCIG Capital Corporation,
Ontario, CA.
553. Mendaros Family Corp.,
Pleasanton, CA.
554. Mercantile Mortgage Company,
Westerville, OH.
555. Mercantile Mortgage Corp.,
Baltimore, MD.
556. Meridian Bank, Alton, IL.
557. Meridian Lending, Inc., Monroe,
GA.
558. Metro East Mortgage Corp., Saint
Louis, MO.
559. Metro Funding Corp., Miami, FL.
560. Metroplex City Mortgage LLC,
Carrollton, TX.
561. Metropolitan Mortgage Bankers,
Inc., Silver Spring, MD.
562. Metropolitan Mortgage Services,
Cliffside Park, NJ.
563. Miami Valley Bank, Lakeview,
OH.
564. Mid Atlantic Mortgage Group
LLC, Pasadena, MD.
565. Midland Mortgage Corp.,
Rockford, IL.
566. Midwest Mortgage Consultants
LLC, St Louis, MO (Titles 1 & 2).
567. Midwest One Mortgage Services,
Inc., Evansville, IN.
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568. Midwest Residential Lending
LLC, Tipp City, OH.
569. Mila, Inc., Mountlake Terrace,
WA.
570. Millenium Mortgage Investors
Corp., Miami, FL.
571. Mills County State Bank,
Glenwood, IA.
572. Minnesota Home Mortgage Corp.,
Saint Paul, MN.
573. Mission Mortgage, LLC, Overland
Park, KS.
574. MLSG, Inc., Reno, NV (Titles 1
& 2).
575. Monarch Mortgage Co., Inc.,
Tucker, GA.
576. Money First Financial Services,
Inc., Las Vegas, NV.
577. Money Source, Inc., Marietta,
GA.
578. Moneylink Mortgage, Inc.,
Montebello, CA.
579. Moneywise Home Loans LLC,
Lombard, IL.
580. Monument Capital LLC,
Hazelwood, MO (Titles 1 & 2).
581. Morgan Funding Corp., Jersey
City, NJ.
582. Morning Star Mortgage Group,
Inc., Palm Bay, FL.
583. Mortgage Acceptance Corp.,
Austin, TX.
584. Mortgage Amenities Corp.,
Lincoln, RI.
585. Mortgage Approval Company
LLC, Florence, KY.
586. Mortgage Broker Associates, Inc.,
Lynnwood, WA.
587. Mortgage Center of America, Inc.,
Walnut Creek, CA.
588. Mortgage Consultant and Co,
Fairfield, NJ.
589. Mortgage Depot LLP, Nashville,
TN.
590. Mortgage Discounters, Inc.,
Annandale, VA.
591. Mortgage Division, Inc., Conyers,
GA.
592. Mortgage Experts, Inc., Moreno
Valley, CA.
593. Mortgage Express, Inc.,
Roslindale, MA.
594. Mortgage Finance Corporation,
Wolcott, CT.
595. Mortgage First Limited LLC,
Mount Prospect, IL.
596. Mortgage Florida LC, Orlando,
FL.
597. Mortgage Funding Solutions
LLC, West Deptford, NJ.
598. Mortgage Industry, Inc.,
Angelton, TX.
599. Mortgage Institute Michigan,
Southfield, MI.
600. Mortgage Mart, Inc., Joliet, IL.
601. Mortgage Network of America,
Beachwood, OH.
602. Mortgage One Lending, San
Diego, CA.
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603. Mortgage Planners LLC,
Clearwater, FL.
604. Mortgage Resource Group, Inc.,
Eugene, OR.
605. Mortgage Resource, Inc.,
Rochelle Park, NJ.
606. Mortgage Resources, Inc.,
Jacksonville, FL.
607. Mortgage Results Corporation,
Norwood, MA.
608. Mortgage Services Bancorp,
Bloomingdale, IL.
609. Mortgage Services Group LLC,
Springfield, MO.
610. Mortgage Solutions Services,
Inc., Brentwood, TN.
611. Mortgage Source, Inc., Las Vegas,
NV.
612. Mortgage Sphere, Inc.,
Northbrook, IL.
613. Mortgage Town, Inc., Trussville,
AL.
614. Mortgages First Real Estate
Services, League City, TX.
615. MTS Financial LLC,
Douglasville, GA.
616. Multi-Fund of Columbus, Inc.,
North Olmsted, OH.
617. Multi-Source Financial
Investments, Inc., Richardson, TX.
618. Mutual Mortgage Corp.,
Farmington, MI.
619. Nations First Mortgage Banc,
Inc., Dayton, OH.
620. Nations Wholesale Lending
Group, Inc., Delray Beach, FL.
621. Nationwide Lending
Corporation, Irvine, CA (Titles 1 & 2).
622. NBGI, Inc., Los Angeles, CA.
623. Net Trust Mortgage LLC, Boca
Raton, FL.
624. Netbank, Coeur d’Alene, ID.
625. Nevis Funding Corporation,
Woodland Hills, CA.
626. New Day Trust Mortgage, Irvine,
CA.
627. New England Home Mortgage
LLC, South Portland, ME.
628. New Equity Financial Corp.,
Louisville, KY.
629. New Heights Mortgage Co LLC,
Little Rock, AR.
630. New Liberty Home Loans LLC,
Duluth, GA.
631. New Liberty Mortgage, Glendale
Heights, IL.
632. New Millennium Mortgage
Group Corp., Chicago, IL.
633. New Millennium Mortgage,
Naperville, IL.
634. New World Mortgage, Inc.,
Murrieta, CA.
635. New York Capital Exchange
Corp., Garden City, NY.
636. Newbury Mortgage America Ltd,
Takoma Park, MD.
637. Newcastle Mortgage Corporation,
Saint Louis, MO.
638. Newkey Financial Corporation,
Huntington Beach, CA.
PO 00000
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Fmt 4703
Sfmt 4703
43547
639. NFC Wholesale LLC, Phoenix,
AZ.
640. NHI Home Mortgage LLC,
Federal Way, WA.
641. Nivek Funding Group, Inc.,
Glens Falls, NY.
642. Northern Mortgage Services LLC,
Southborough, MA.
643. Northwoods Lending LLC,
Brookfield, WI.
644. Noskey Mortgage Corporation,
Brandon, FL.
645. Novella Garcia Real Estate, Inc.,
Rio Linda, CA.
646. NV. Mortgage, Inc., Henderson,
NV.
647. OCM Mortgage, Inc., Overland
Park, KS.
648. Ohio Mortgage Associates LLC,
Englewood, OH.
649. Ok Corral Mortgage, Inc., Irvine,
CA.
650. Olympiawest Mortgage Group
LLC, Vienna, VA.
651. Omni Capital Group LLC,
Centennial, CO (Titles 1 & 2).
652. Omni Capital, LLC, Henderson,
NV.
653. One Source Federal Credit
Union, El Paso, TX.
654. One World Mortgage
Corporation, Duluth, GA.
655. Originate Home Loans, Inc.,
Westmont, IL.
656. Outlook Mortgage LLC, Bellaire,
TX.
657. P and C Enterprises of Orlando,
Inc., Orlando, FL.
658. P D Q Corp., Morris Plains, NJ.
659. Pacific Shore Funding, Laguna
Hills, CA (Titles 1 & 2).
660. Pacific Western Real Estate
Services, Inc., Laguna Hills, CA.
661. Pacific Wholesale Mortgage, Inc.,
Pasadena, CA.
662. Palace Funding Corporation,
Frankfort, IL.
663. Pan American Finance Corp., Los
Angeles, CA.
664. Paragon Home Lending LLC,
Brookfield, WI.
665. Paramount Financial, Inc.,
Longwood, FL.
666. Park Place Financial LLC,
Redmond, WA.
667. Pathway Financial LLC,
Southfield, MI.
668. Patriot Mortgage Company, Inc.,
Altamonte Springs, FL.
669. Peace of Mind Mortgage, LLC,
Phoenix, AZ.
670. Peach City Mortgage, Inc.,
Stockbridge, GA.
671. People’s Choice Mortgage and
Loan Corp., Deerfield Beach, FL.
672. Peoples Home Mortgage, Inc.,
Loxahatchee, FL.
673. Performance Mortgage, Inc.,
Englewood, FL.
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674. Personal Home Mortgage
Services, Inc., Crystal City, MO.
675. Pierce Mortage, Inc., Tacoma,
WA.
676. Pines Mortgage Services, Inc.,
Pembroke Pines, FL.
677. Pinnacle Direct Funding
Corporation, Orlando, FL.
678. Pinnacle Mortgage Corporation,
Tulsa, OK.
679. Pinnacle Premier Home Mortgage
LLC, Tucson, AZ.
680. Platinum Brokers, Inc., Lutz, FL.
681. Platinum Capital Group, Irvine,
CA.
682. PMA Lending LLC, Woodbridge,
NJ.
683. Point Financial, Inc., Brandon,
FL.
684. Prajna Group, Inc., Louisville,
KY.
685. Preferred Financial Group, Inc.,
Burlingame, CA.
686. Premier Choice Mortgage LLC,
Atlanta, GA.
687. Premier Financial Credit Union,
Clinton Township, MI.
688. Premier Financial Network, Inc.,
Huntington Beach, CA.
689. Premier Home Loans, Stockton,
CA.
690. Premier Mortgage Capital,
Orlando, FL.
691. Premiere Service Mortgage Corp.,
West Chester, OH.
692. Premium Mortgage, Inc., Blue
Springs, MO.
693. Present Mortgage, Inc., Doral, FL.
694. Prestige Mortgage Group, Inc.,
Denver, CO.
695. Pride Mortgage LLP,
Middletown, RI.
696. Prime Lending Group, Inc.,
Macon, GA.
697. Primeaxia Financial, Inc., San
Antonio, TX.
698. Primekey Mortgage LLC, Baton
Rouge, LA.
699. Principal Lending, Inc., West
Paterson, NJ.
700. Priority Financial Inc., San
Ramon, CA.
701. PRMS Enterprises, Inc., Murrieta,
CA.
702. Pro Mortgage Group, Inc.,
Hialeah, FL.
703. Professional Mortgage Bankers,
Lutherville, MD.
704. Professional Mortgage Partners,
Inc., Downers Grove, IL.
705. Progress Bank of Missouri,
Sullivan, MO.
706. Prominent Mortgage Corporation,
Bellflower, CA.
707. Prospect Mortgage Group LLC,
Indianapolis, IN.
708. Prosperity Home Loans, Inc.,
Memphis, TN.
709. Prudential Lending, Inc.,
Huntington Beach, CA.
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710. PTF Financial Corp., Englewood,
CO.
711. Public Bank, Saint Cloud, FL.
712. Public Trust Mortgage
Corporation, Fort Myers, FL.
713. Pueblo Bank and Trust Company,
Pueblo, CO.
714. Puget Sound Mortgage, Inc.,
Edmonds, WA.
715. Q Financial Direct, Inc., Doral,
FL (Titles 1 & 2).
716. Qualia Services, Inc., Orange
Park, FL.
717. Quality 1st Lending LLC,
Farmington Hills, MI.
718. Questar Capital Funding, LLC,
Tampa, FL.
719. Quick Loan Funding, Inc., Costa
Mesa, CA.
720. RCW Mortgage, LLC, Louisville,
KY.
721. Real Mortgage and Investments,
Inc., Tampa, FL.
722. Real Mortgage Corporation,
Chicago, IL.
723. Realty Mortgage Corporation,
Flood, MS.
724. Refinance Company,
Indianapolis, IN.
725. Regional Mortgage Programs,
Inc., Cranston, RI.
726. Reliable Mortgage Bankers
Corporation, New Hyde Park, NY.
727. Renovation Mortgage plus LLC,
Alpharetta, GA.
728. Residential Loan Centers of
America, Des Plaines, IL.
729. Residential Mortgage Capital,
San Rafael, CA.
730. Residential Mortgage Experts,
Crystal Lake, IL.
731. Response Mortgage Services,
Inc., Bellevue, WA.
732. Reverse Equity Advisors, Inc., St.
Petersburg, FL.
733. Reverse Ultra, Inc., Dania Beach,
FL.
734. RG Mortgage Corporation,
Homewood, IL.
735. Richland Mortgage Company
LLC, Scottsdale, AZ.
736. RKS Financial Services, Inc.,
Henderson, NV.
737. RM Financial, Inc., Austin, TX.
738. RML Associates, Inc., Fairfield,
NJ.
739. RNB, Inc., Las Vegas, NV.
740. Robert Marin Realty, Inc.,
Montclair, CA.
741. RTL Financial, Inc., Bellevue,
WA.
742. Sage Credit Company, Inc.,
Irvine, CA.
743. Salem Lending & Mortgage,
Houston, TX.
744. Sara Financial, Inc., La Puente,
CA.
745. Saugus Federal Credit Union,
Saugus, MA.
PO 00000
Frm 00064
Fmt 4703
Sfmt 4703
746. Savings Mortgage, Inc., Cherry
Hill, NJ.
747. Sawgrass Funding LLC, Coral
Springs, FL.
748. SCME Mortgage Bankers, Inc.,
San Diego, CA.
749. SE Metro Mortgage, Inc., Atlanta,
GA.
750. Secured Lending Realty, Inc.,
Tarzana, CA.
751. Sellers Financial Group, Inc.,
Nashville, TN.
752. Seminole Lending, Inc.,
Kennesaw, GA.
753. Seton Capital Group, Inc.,
Scottsdale, AZ.
754. Shamrock Bancorp, Inc.,
Downers Grove, IL.
755. Shoshone First Bank, Cody, WY.
756. Signature Funding, Inc., San
Diego, CA.
757. Silver State Bank, Henderson,
NV.
758. Silverstone Mortgage, Byram,
MS.
759. Skorp, Inc., Las Vegas, NV.
760. Sloan Mortgage Group, Inc.,
Maitland, FL.
761. Smart Properties, Inc., Naples,
FL.
762. Solutions Lending LLC, Fishers,
IN.
763. Sonora Mortgage, Inc., Phoenix,
AZ.
764. Sonrise Mortgage LLC, Sparks,
MD.
765. Sound Mortgage Solutions, Inc.,
Jacksonville, FL.
766. South Coast Reverse Mortgage,
Inc., Laguna Hills, CA.
767. South Holland Mortgage Group,
South Holland, IL.
768. South Lake Mortgage Capital,
Inc., Laguna Hills, CA.
769. South Trust Funding, Inc.,
Valrico, FL.
770. Southern Home Mortgage, Inc.,
Grapevine, TX.
771. Southern Horizon Financial
Group LLC, Acworth, GA.
772. Southern Star Mortgage Corp.,
East Meadow, NY. (Titles 1 & 2).
773. Southern Unity Mortgage,
Birmingham, AL.
774. Southstate Mortgage Corp.,
Orlando, FL.
775. Southwest Mortgage Corp.,
Overland Park, KS.
776. Spectrum Financial Group,
Scottsdale, AZ.
777. Spectrum Funding Corporation,
Salt Lake City, UT.
778. Spectrum Hale Partners LLC,
Scottsdale, AZ.
779. Standard Home Mortgage, Inc.,
Grosse Pointe Farms, MI.
780. State Lending Corporation,
Miami, FL.
781. Stonebriar Mortgage Corporation,
Dallas, TX.
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782. Stonecreek Funding Corp.,
Denver, CO.
783. Strategic Mortgage Corporation,
Walnut, CA.
784. Stratford Funding, Inc.,
Southfield, MI.
785. Streamline Holding LLC, Naples,
FL.
786. Summit Lending Solutions, Inc.,
Escondido, CA.
787. Summit Mortgage Company of
the Bluegrass, Lexington, KY.
788. Summit Mortgage LLC,
Wakefield, MA.
789. Summit Mortgage of America
Corp., Brighton, MI.
790. Sun Beam Mortgage Corp.,
Clearwater, FL.
791. SunCoast Residential Lending
LLC, Fort Myers, FL.
792. Sunpoint Corporation, Las Vegas,
NV.
793. Sunrise Financial Services, Inc.,
Pipersville, PA.
794. Sunset Lending Group, Inc.,
Miami, FL.
795. Sunshine Mortgage Corp.,
Smyrna, GA.
796. Superior Estates Corp., Las
Vegas, NV.
797. Superior Funding Group
Corporation, Lake Worth, FL.
798. Surecredit USA Home Loans,
Inc., Miami, FL.
799. Swash Bucklers Cove LLC, West
Linn, OR.
800. Synergy Mortgage Solutions,
LLC, Tucker, GA.
801. Syracuse Cooperative Federal C
U, Syracuse, NY.
802. Tayllon Mortgage Corporation,
Las Vegas, NV.
803. TCF National Bank, Livonia, MI.
804. TCS Mortgage, Inc., San Diego,
CA.
805. Team One Lending, Inc.,
Wellington, FL.
806. Texas Mortgage Services, Inc.,
Colleyville, TX.
807. The Community Bank,
Loganville, GA.
808. The Lending Exchange, Inc.,
Homewood, IL.
809. The Loan Experts, Saratoga, CA.
810. The Loan Source, Inc., Atlanta,
GA.
811. The Money Tree Financial Corp.,
Irwin, PA.
812. The Mortgage Center of Volusia
County In, Ormond Beach, FL.
813. The Mortgage Exchange, Chicago,
IL.
814. The Mortgage Funding Group,
Inc., Temple Hills, MD.
815. The Mortgage Locator LLC, Stone
Mountain, GA.
816. The Mortgage Store, Inc.,
Wentzville, MO
817. The Rock Mortgage, Inc., Dallas,
TX.
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818. The Signature Bank, Springfield,
MO.
819. The Watermark Group, Inc.,
Portland, OR.
820. Theo-Vision LLC, Houston, TX.
821. Thornapple Mortgage Co LLC,
Caledonia, MI.
822. Thumb Butte Mortgage, Inc.,
Prescott, AZ.
823. Timberland Mortgage Services,
Inc., Apple Valley, MN.
824. TNN Financial, Inc., Fairlawn,
OH.
825. Toos, Inc., Newport Beach, CA.
826. Top Choice Mortgage Co, North
Miami, FL.
827. Top Mortgage Bankers Corp.,
Bellingham, WA.
828. Total Care Mortgage, Inc.,
Jacksonville, FL.
829. Total Home Source, Inc.,
Brandon, FL.
830. Touchstone Mortgage Company,
Portland, OR.
831. Tower Mortgage Capital, Inc.,
Rancho Cucamonga, CA (Titles 1 & 2).
832. TPI Mortgage, Inc., Herndon, VA.
833. Tricounty Mortgage, Inc.,
Riverside, CA.
834. Triple Crown, Inc., Paris, KY.
835. Triton Financial Group LLC,
Beachwood, OH.
836. Trivantage Bancorp LLC, St.
Petersburg, FL.
837. Trust Capital Mortgage, Inc.,
Boca Raton, FL (Titles 1 & 2).
838. Trust One Mortgage Corporation,
Oak Brook, IL.
839. Tuscany Financial, Inc.,
Aspinwall, PA.
840. TWG Investments, Inc., Rancho
Cucamonga, CA.
841. U S Mortgage Holdings AZ, LLC,
Phoenix, AZ (Titles 1 & 2).
842. Unimac Financial Services,
Burlingame, CA.
843. Union Centre Mortgage LLC,
Lebanon, OH.
844. Union Equity Mortgage LLC,
Benton, AR.
845. Union Home Mortgage LLC,
Shawnee, KS.
846. United Americas Bank, Atlanta,
GA.
847. United California Systems, Los
Angeles, CA.
848. United Capital Mortgage of Ohio,
Inc., Cincinnati, OH.
849. United Consumer Mortgage, Inc.,
Chicago, IL.
850. United Equity LLC, Baltimore,
MD.
851. United Mortgage and Associates
Ltd, Ocala, FL.
852. United Mortgage Corporation,
Cape Coral, FL.
853. United Prairie Bank-New Ulm,
New Ulm, MN.
854. United Prestige Mortgage LLC,
Hoboken, NJ.
PO 00000
Frm 00065
Fmt 4703
Sfmt 4703
43549
855. Universal Home Lending, Inc.,
Eastpointe, MI.
856. Universal Home Loan Corp. of
America LLC, Lewisville, TX.
857. Universal Mortgage Consultants,
Inc., Park Ridge, IL.
858. Universal Savings Bank,
Milwaukee, WI.
859. Unlimited Mortgage, Inc.,
Goshen, IN.
860. US Equity Mortgage LLC,
Louisville, KY.
861. US Mortgage & Investment
Services, Inc., Rockville, MD.
862. US Mortgage and Investments,
Inc., North Little Rock, AR.
863. USA Home Finance.Com, Inc.,
North Miami, FL.
864. USA Home Mortgage Corp.,
Elmhurst, IL.
865. USA Mortgage Gold of FL, Inc.,
Naples, FL.
866. USMoney Source, Inc., Atlanta,
GA (Titles 1 & 2).
867. Value One Mortgage Corp.,
Randolph, MA.
868. Vega Financial, Las Vegas, NV.
869. Ventura Mortgage, LLC, Fort
Myers, FL.
870. Verizon Financial LLC, Canton,
MI.
871. Victory Mortgage LLC, Kansas
City, MO.
872. Viewpoint Lending, Inc.,
Marysville, WA.
873. VM Lending LLC, Alpharetta,
GA.
874. Washington Capital Advisors,
Inc., Los Alamitos, CA.
875. Washington Mutual Bank FA,
Bethel Park, PA.
876. Washington Mutual Bank FSB,
Irvine, CA.
877. Watermark Lending LLC, Fort
Myers, FL.
878. We Do Home Loans, Inc., Tampa,
FL.
879. Wendover Financial Services
Corp., Greensboro, NC.
880. Western Bank Cheyenne,
Cheyenne, WY.
881. Western States Mortgage Corp.,
Bellevue, WA.
882. Western States Mortgage Group,
Inc., Colorado Springs, CO.
883. Westlantic Financial Group, Inc.,
Ft. Lauderdale, FL.
884. Westside Mortgage Corporation,
Grand Rapids, MI.
885. White Sands Mortgage, Inc.,
McComb, MS.
886. Wholesale America Mortgage,
Inc., Pleasanton, CA (Titles 1 & 2).
887. Wholesale Mortgage Lending
LLC, Centennial, CO.
888. Winged Foot Financial Group
LLC, Red Bank, NJ.
889. Wisconsin Home Lending, Inc.,
Waukesha, WI.
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890. WK Financial Services, Inc.,
Victorville, CA.
891. WLT Capital Corp., Tucson, AZ.
892. Woodbine Mortgage Corp.,
Longview, TX.
893. Workingmans Mortgage, Inc.,
Raleigh, NC.
894. World Group Mortgage LLC,
Cornelius, NC (Titles 1 & 2).
895. World Mortgage Corporation of
Miami, Doral, FL.
896. Worldwide Financial Resources,
Inc., Morganville, NJ.
897. Worth National Bank, Inc.,
Benbrook, TX.
898. Wow Financial LLC,
Conshohocken, PA.
899. Wyndham Financial Services,
Inc., Plano, TX.
900. Yavel Lending, Inc., West Palm
Beach, FL.
901. You’re Finance Source, A Florida
Limited Partnership, Ocala, FL.
902. Your Best Rate Financial LLC,
Atlanta, GA.
903. Your Home Loan Solution Team
LLC, Phoenix, AZ (Titles 1 & 2).
904. Zino Financial, Inc., Concord,
CA.
905. Zion Mortgage Solution
Incorporated, Marion, IN.
III. Lenders That Failed to Timely Meet
Requirements for Annual
Recertification of HUD/FHA Approval,
But Have Cured
Action: The Board voted to give the
lenders below an opportunity to settle
the matter. The settlement required each
lender to pay a $3,500 civil money
penalty without admitting fault or
liability.
Cause: The Board took this action
because the lenders failed to timely
comply with the Department’s annual
recertification requirements, but are
now in compliance.
1. 1st Alliance Banc Corp, Chicago, IL,
09–9044–MR.
2. Aarow Mortgage, Laurel, MD, 09–
9053–MR.
3. Acme Amalgamated Enterprises d/
b/a Prime Mortgage, Austin, TX, 10–
1643–MRT.
4. Albina Community Bank, Portland,
OR, 09–9231–MR.
5. All American Home Mortgages
LLC, Henderson, NV, 09–9764–MR.
6. All Peoples Financial LLC, Edison,
NJ, 10–1647–MRT.
7. Allied Credit Union, Houston, TX,
09–9178–MR.
8. Amber Financial Group, San Diego,
CA, 09–9177–MR.
9. American Momentum Bank,
Tampa, FL, 09–9122–MR.
10. American Mortgage Services,
Melrose, MA, 09–9021–MR.
11. Amerilending, Miami, FL, 09–
9005–MR.
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12. Amston Mortgage Company, Inc.,
Moodus, CT, 09–9288–MR.
13. Amwest Capital Mortgage Inc.,
Escondido, CA, 08–8060–MR.
14. Atlantis Mortgage Co., Inc.,
Eatontown, NJ, 10–1654–MRT.
15. Avanta Federal Credit Union,
Billings, MT, 10–1655–MRT.
16. Bank of Tucson, Tucson, AZ, 09–
9295–MR.
17. Baytree Lending Company,
Milwaukee, WI, 10–1656–MRT.
18. Beacon Financial Group Inc.,
Melbourne, FL, 09–9282–MR.
19. Benchmark Mortgage LLC,
Cordova, TN, 10–1658–MRT.
20. Best Mortgage Services, LLC,
Detroit, MI, 09–9521–MR.
21. Blue Eagle Corporation, Elgin, IL,
09–9201–MR.
22. Bogman, Inc., Silver Spring, MD,
09–9095–MR.
23. Bridgeview Mortgage Corp.,
Franklin Square, NY, 10–1659–MRT.
24. C&A Financial Enterprises, Inc.,
Macon, GA, 09–9347–MR.
25. Capital Access Mortgage, Denver,
CO, 09–9351–MR.
26. Carrollton Mortgage Co., Modesto,
CA, 09–9523–MR.
27. Casa Mortgage Corp., Fort
Lauderdale, FL, 10–1660–MRT.
28. Cascade Northern Mortgage Inc.,
Vancouver, WA, 09–9439–MR.
29. Centerline Capital Group, New
York, NY, 09–9160–MR.
30. Central Kentucky Federal Savings
Bank, Danville, KY, 09–9299–MR.
31. CFCU Credit Union, Ithaca, NY,
09–9130–MR.
32. Chicagoland Mortgage Exchange,
Chicago, IL, 09–9139–MR.
33. Citizen’s National Bank, Meridian,
MS, 09–9243–MR.
34. Clayton Peters & Assoc.,
Baltimore, MD, 09–9013–MR.
35. CMS Mortgage Solutions Inc.,
Chesapeake, VA, 09–9526–MR.
36. Colonial Mortgage Service
Company, Montgomeryville, PA, 09–
9208–MR.
37. Connecticut Housing Inv Fund
Inc., Hartford, CT, 08–8046–MR.
38. Covenant Mortgage LLC, Baton
Rouge, LA, 10–1665–MRT.
39. Covenant Mortgage LLC, Baton
Rouge, LA, 10–1665–RT.
40. Crestwood Mortgage Company,
Bensalem, PA, 09–9371–MR.
41. DFB Mortgage, Inc., Douglasville,
GA, 10–1667–MRT.
42. DLF Enterprises Inc., West Bend,
WI, 09–9529–MR.
43. Drew Mortgage Associates, Inc.,
Shrewsbury, MA, 09–9247–MR.
44. E and S Financial Group, Inc.,
Farmington Hills, MI, 09–9312–MR.
45. Exigent Mortgage Corp, Palm
Harbor, FL, 09–9134–MR.
PO 00000
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46. Farmers State Bank, Watkins, MN,
09–9081–MR.
47. Fidelity Mortgage Group, West
Memphis, AR, 09–9099–MR.
48. Financial Security Bank (fka State
Bank), Albertville, MN, 09–9116–MR.
49. First Boston Mortgage Corp.,
Woburn, MA, 10–1729–MRT.
50. First Choice Mortgage of South
Florida, Inc., Miami, FL, 10–1730–MRT.
51. First Financial Bank, NA,
Stephenville, TX, 09–9111–MR.
52. First Home Equity Inc., Mauldin,
SC, 09–9533–MR.
53. First Sentinel Bank, Richlands,
VA, 09–9106–MR.
54. First Star Funding Corp., Olympia
Fields, IL, 10–1733–MRT.
55. Flagship Financial Group, LLC,
Lehi, UT, 10–1734–MRT.
56. Fox Financial LLC, Mokena, IL,
10–1735–MRT.
57. Frontier Bank, Rock Rapids, IA,
09–9181–MR.
58. Fullerton National Bank,
Fullerton, NE, 09–9167–MR.
59. Gateway Bank Mortgage Inc.,
Raleigh, NC, 09–9019–MR.
60. Great Northern Lending Corp.,
Cook, MN, 10–1737–MRT.
61. Greater Nevada, LLC, Carson City,
NV, 09–9129–MR.
62. Guidance Mortgage Group LLC,
Louisville, KY, 10–1738–MRT.
63. Hermes Garcia Mortgage, LLC,
Weston, FL, 10–1742–MRT.
64. Home Mortgage Bankers, Carolina,
PR, 09–9206–MR.
65. Home Owners Mortgage Equity
Corp., Billings, MT, 10–1743–MRT.
66. Homeownership Solutions, LLC,
West Hartford, CT, 09–9150–MR.
67. Ideal Federal Savings Bank,
Baltimore, MD, 10–1724–MRT.
68. Independent Mortgage LLC,
Newton Upper Falls, MA, 10–1746–
MRT.
69. Inventive Mortgage Corp.,
Westchester, IL, 09–9210–MR.
70. Kentucky Fidelity Mortgage,
Florence, KY, 10–1747–MRT.
71. Keystone Community Bank,
Kalamazoo, MI, 09–9186–MR.
72. Keystone Mortgage Group LLC,
Knoxville, TN, 10–1748–MRT.
73. Lapeer Co. Bank & Trust, Lapeer,
MI, 09–9066–MR.
74. Legacy Lending Group, Meridian,
ID, 10–1750–MRT.
75. Leiman Mortgage Network,
Lakewood, NJ, 09–9079–MR.
76. Live Well Financial, Inc.,
Richmond, VA, 09–9352–MR.
77. Loan Chalet Corporation, Orange,
CA, 10–1751–MRT.
78. Lorain National Bank, Lorain, OH,
10–1753–MRT.
79. LV Continental Funding
Corporation, Hayward, CA, 09–9427–
MR.
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80. Mainestream Finance, Bangor,
ME, 08–8064–MR.
81. Marine Funding, Inc., South
Richmond Hill, NY, 09–9324–MR.
82. Massachusetts Housing
Investment Corp, Boston, MA, 09–9073–
MR.
83. Member Options LLC,
Charlottesville, VA, 10–1754–MRT.
84. Mid Oregon Lending, Inc., Bend,
OR, 10–1756–MRT.
85. Midwest Custom Mortgage, Inc.,
Elgin, IL, 09–9270–MR.
86. Money Connection, Inc., Fairlawn,
OH, 09–9273–MR.
87. Money Mortgage Corp., Newark,
NJ, 10–1758–MRT.
88. Mortgage Approval Center LLC,
Chapel Hill, NC, 10–1759–MRT.
89. Mortgage Direct, Inc., Elmhurst,
IL, 10–1761–MRT.
90. Mortgage Options of America,
Winchester, MA, 09–9102–MR.
91. Mortgage Security, Inc., East
Falmouth, MA, 09–9289–MR.
92. Mortgage Services of Louisiana,
Inc., Harahan, LA, 09–9274–MR.
93. Mountainside Mortgage LLC, Salt
Lake City, UT, 09–9188–MR.
94. MSI Mortgage Services III, LLC,
Bloomington, IL, 09–9330–MR.
95. Mullica Financial Services LLC,
Blackwood, NJ, 10–1762–MRT.
96. NetCentral Mortgage, LLC,
Milwaukee, WI, 09–9254–MR.
97. North Atlantic Mortgage Corp,
Burtonsville, MD, 09–9156–MR.
98. Northern Corridor Community
Federal Credit Union, Rouses Point, NY,
09–9223–MR.
99. Odin State Bank, Odin, MN, 09–
9300–MR.
100. Old J Corporation, Riverside, CA,
08–8055–MR.
101. Oriental Bank and Trust, San
Juan, PR, 09–9538–MR.
102. Pacific Community Credit Union,
Fullerton, CA, 09–9539–MR.
103. Palace Home Mortgage
Corporation, Olympia Fields, IL, 09–
9301–MR.
104. Peoples Federal Savings Bank,
Auburn, IN, 09–9144–MR.
105. Performance Residential Capital
Corp., Farmingdale, NY, 09–9540–MR.
106. Pike Creek Mortgage Services,
Inc., Newark, DE, 10–1766–MRT.
107. Pinnacle Bank Wyoming, Cody,
WY, 09–9214–MR.
108. Pinnacle Home Mortgage
Company, Schaumburg, IL, 10–1767–
MRT.
109. Pinnacle Loan Corporation,
Atlanta, GA, 10–1768–MRT.
110. Premium Mortgage Corp,
Rochester, NY, 09–9315–MR.
111. Proficio Mortgage Ventures LLC,
Orlando, FL, 09–9105–MR.
112. R H Lending, Inc., Burleson, TX,
10–1772–MRT.
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113. Rapid City Telco Federal Credit
Union, Rapid City, SD, 09–9216–MR.
114. Reverse Mortgages of Idaho
Incorporated, Boise, ID, 10–1775–MRT.
115. RF Mortgage, San Juan, PR, 09–
9108–MR.
116. RMK Financial Corporation,
Rancho Cucamonga, CA, 09–9209–MR.
117. Rockland Savings and Loan
Association, Rockland, ME, 09–9245–
MR.
118. RT Mortgage, Inc., Franklin, OH,
10–1776–MRT.
119. Rusty Rose, Inc., Miami, FL, 10–
1777–MRT.
120. Ryland Mortgage, Calabasas, CA,
09–9033–MR.
121. Shell Lake State Bank, Shell
Lake, WI, 09–9257–MR.
122. Shore Community Bank, Toms
River, NJ, 09–9174–MR.
123. Skyline Mortgage, LLC, Ponte
Verde Beach, FL, 09–9195–MR.
124. Society Financial Corp,
Farmington, CT, 09–9327–MR.
125. South DeKalb Church Federal
Credit Union, Decatur, GA, 09–9265–
MR.
126. Southern Missouri Bank of
Marshfield, Marshfield, MO, 09–9286–
MR.
127. Southern Trust Mortgage LLC,
Virginia Beach, VA, 10–1778–MRT.
128. Sunrise Vista Mortgage Corp.,
Citrus Heights, CA, 09–9541–MR.
129. TBI Mortgage Company,
Horsham, PA, 09–9542–MR.
130. Texoma Community Credit
Union, Wichita Falls, TX, 09–9032–MR.
131. Total Mortgage Services LLC,
Milford, CT, 09–9345–MR.
132. Trinity Mortgage Solutions LLC,
Providence, RI, 10–1783–MRT.
133. Troy Mortgage Corporation, Inc.,
Greenwood Village, CO, 09–9275–MR.
134. Union Bank Benton, Benton, AR,
09–9222–MR.
135. United Mortgage Corporation,
Inc., Saint Peters, MO, 10–1787–MRT.
136. Unitrust Mortgage, Inc., San
Diego, CA, 10–1788–MRT.
137. Urban Trust Bank, Lake Mary,
FL, 09–9251–MR.
138. US Mortgage Network,
Sewickley, PA, 09–9335–MR.
139. Victoria Mortgage Bankers, Inc.,
Chicago, IL, 10–1789–MRT.
140. Village Oaks Financial Group,
Bullhead City, AZ, 08–8057–MR.
141. Wachovia Equity Servicing LLC
(Title I), Charlotte, NC, 09–9255–MR.
142. Wachovia Equity Servicing LLC
(Title II), Charlotte, NC, 09–9255–MR.
143. Weber Financial Services, Inc.,
Johnson City, TN, 10–1791–MRT.
144. Westerly Community Credit
Union, Westerly, RI, 09–9119–MR.
145. Westfield Bank FSB, Medina,
OH, 09–9207–MR.
PO 00000
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43551
146. Wholesale Capital Corp., Moreno
Valley, CA, 08–8038–MR.
147. Yankee Mortgage Company LLC,
Glastonbury, CT, 09–9272–MR.
Dated: July 19, 2010.
David H. Stevens,
Assistant Secretary for Housing—Federal
Housing Commissioner.
[FR Doc. 2010–18156 Filed 7–23–10; 8:45 am]
BILLING CODE 4210–67–P
DEPARTMENT OF THE INTERIOR
Bureau of Land Management
[LLAZC01000.L51010000.FX0000.
LVRWA09A2310; AZA 32315]
Notice of Intent To Prepare an
Environmental Impact Statement for
the Proposed Mohave County Wind
Farm Project, Mohave County, AZ
Bureau of Land Management,
Interior.
ACTION: Notice of Intent.
AGENCY:
In compliance with the
National Environmental Policy Act of
1969, as amended, and the Federal Land
Policy and Management Act of 1976 as
amended, the Bureau of Land
Management (BLM) Kingman Field
Office, Kingman, Arizona, intends to
prepare an Environmental Impact
Statement (EIS) and, by this notice, is
announcing the beginning of a second
scoping process to solicit public
comments and identify issues. The
original Notice of Intent (NOI) was
published in the Federal Register on
November 20, 2009 (74 FR 60289). This
new notice reflects significant changes
to the project area.
DATES: This notice initiates a second
public scoping process for this EIS.
Comments on issues may be submitted
in writing until August 25, 2010. The
dates and locations of any scoping
meetings will be announced at least 15
days in advance through the local news
media, newspapers, and the BLM Web
site at: https://www.blm.gov/az/st/en/
prog/energy/wind/mohave.html. In
order to be included in the Draft EIS, all
comments must be received prior to the
close of the scoping period or 15 days
after the last public meeting, whichever
is later. We will provide additional
opportunities for public participation
upon publication of the Draft EIS.
ADDRESSES: You may submit comments
related to the Mohave County Wind
Project by any of the following methods:
• Web site: https://www.blm.gov/az/st/
en/prog/energy/wind/mohave.html;
• E-mail: KFO_WindEnergy@blm.gov;
• Fax: (928) 718–3761; or
SUMMARY:
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]]>Agencies
[Federal Register Volume 75, Number 142 (Monday, July 26, 2010)]
[Notices]
[Pages 43537-43551]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2010-18156]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-5436-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: Nancy A. Murray, Secretary to the
Mortgagee Review Board, 451 Seventh Street, SW., Room B-133/3150,
Washington, DC, 20410-8000; telephone: (202) 708-2224. 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, Public Law 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 March 18, 2010.
I. Settlement Agreements, Civil Money Penalties, Withdrawal of FHA
Approval, Suspensions, Probations, and Reprimand
1. Academy Mortgage Corporation, Sandy, UT [Docket No. 10-1030-MR]
Action: On March 12, 2010, the Board entered into a settlement
agreement with Academy Mortgage Corporation (Academy) requiring Academy
to pay a
[[Page 43538]]
$30,000 civil money penaltywithout admitting fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Academy used the official HUD
Seal and FHA acronym on its Web site; violated HUD's advertising
requirements when it misrepresented that its Web site was owned and/
endorsed by HUD; Academy continued to violate HUD requirements by
displaying the Official Federal Housing Administration--Approved
Lending Institution Seal (``FHA Seal'') improperly on its Web site and
failed to accurately identify Academy as the owner of the Web site; and
failed to register the fictitious business name ``fhamodification.com''
in violation of HUD requirements.
2. Action Mortgage Corporation, Cranston, RI [Docket No. 10-1015-MR]
Action: On January 25, 2010, the Board issued a Notice of
Administrative Action placing Action Mortgage Corporation (AMC) on six
months probation and imposing a $7,000 civil money penalty.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: AMC used the official HUD Seal
on its Web site and improperly implied that AMC was affiliated,
connected, or had authorization from HUD for its Web site.
3. Americare Investment Group, Inc. d/b/a Premier Capital Lending,
Arlington, TX [Docket No. 10-1629-MR]
Action: On January 25, 2010, the Board issued a Notice of
Administrative Action to Americare Investment Group, Inc. (Americare)
permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Americare failed to comply with
the terms of an October 8, 2009 settlement agreement with the
Department.
4. Assurity Financial Services, Englewood, CO [Docket No 09-9552-MR]
Action: On April 20, 2010, the Board entered into a settlement
agreement with Assurity Financial Services (Assurity) requiring
Assurity to pay a $7,500 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: Assurity failed to implement a
QC plan and conduct QC reviews in accordance with HUD/FHA requirements.
5. Automated Finance Corporation, Calabasas, CA [Docket No. 09-9825-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to Automated Finance Corporation (Automated)
permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Automated closed its only
approved office and failed to notify HUD.
6. CitiMortgage, Inc. O'Fallon, MO [Docket No. 10-1630-MR]
Action: On February 17, 2010, the Board entered into a settlement
agreement with CitiMortgage, Inc. (CMI) requiring CMI to pay a $700,000
administrative payment to HUD without admitting fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHArequirements alleged by HUD: CMI failed to report all
delinquent loans to HUD no later than the fifth business day of the
following month; CMI failed to correct fatal errors that resulted from
its monthly reporting to HUD's Single Family Default Monitoring System;
CMI failed to comply with HUD/FHA's default servicing reporting
requirements when it failed to timely submit a default servicing
report; and CMI failed to fully implement its Quality Control for
oversight over this functional area.
7. Cooper and Shein, LLC d/b/a Great Oak Lending Partners, Timonium, MD
[Docket No. 10-1035-MR]
Action: On January 25, 2010 the Board issued a Notice of
Administrative Action to Cooper and Shein, LLC d/b/a Great Oak Lending
Partners (Great Oak) placing them on a six month probation without
admitting fault or liability and on March 1, 2010, proposing a
settlement agreement requiring Great Oak to pay an $11,000 civil money
penalty.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Great Oak improperly used a
simulated government form and seal to imply that correspondence
relating to HUD's Home Equity Conversion Mortgage (HECM) program was
from, or endorsed by HUD/FHA; and misrepresented HUD program
requirements in an advertisement by informing recipients that they were
``entitled'' to monthly benefits through the HECM program.
8. Direct Lending, Inc., Livonia, MI [Docket No. 09-9303-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative action to Direct Lending, Inc. (Direct) permanently
withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Direct failed to notify HUD
that its business licenses had become inactive and revoked.
9. Equitable Trust Mortgage Corporation, Baltimore, MD [Docket No. 09-
9604-MR]
Action: On December 14, 2009, the Board entered into a settlement
agreement with Equitable Trust Mortgage Corporation (Equitable)
requiring Equitable to pay a $277,500 civil money penalty and refund
broker fees charged to borrowers totaling $147,589.81 without admitting
fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Equitable failed to comply with
HUD's requirements concerning Principal-Authorized Agent relationships
by permitting loans to close in the name of an authorized agent and
Equitable failed to comply with HUD's requirements when it charged
borrowers a broker fee for loans it originated and also charged an
origination fee, thus receiving a total loan origination fee in excess
of the fee permitted by HUD.
10. Federal Guaranty Mortgage Company, Pembroke Pines, FL [Docket No.
09-9823-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to Federal Guaranty Mortgage Company (Federal)
permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Federal closed its offices and
failed to notify HUD.
11. Financial Mortgage USA, Inc. Honolulu, HI [Docket No. 07-7035-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to Financial Mortgage USA (F.M. USA) imposing a
$97,500 civil money penalty and permanently withdrawing F.M. USA's FHA
approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Financial failed to implement a
Quality Control Plan in compliance
[[Page 43539]]
with HUD/FHA requirements; failed to provide a clear and effective
separation between Financial Mortgage USA and an identity of interest
life insurance company; and failed to comply with HUD/FHA housing
counseling requirements.
12. Franklin First Financial LTD, Melville, NY [Docket No. 09-9822-MR]
Action: On March 23, 2010, the Board entered into a settlement
agreement with Franklin First Financial LTD (Franklin First) requiring
Franklin First to pay a civil money penalty in the amount of $413,500,
to indemnify HUD on thirty-one loans, and reimburse fees to 78
borrowers without admitting fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Franklin First failed to comply
with HUD's requirements concerning the registration of the following
``doing business as'' (d/b/a) names: Hancock First Mortgage Bankers,
Kennedy First Mortgage Bankers, Presidents First Mortgage Bankers, and
Senior Funding Group with the states in which it was doing business and
with the Department; improperly used the HUD seal on its Web site;
failed to ensure that loan applications were taken and processed by
Franklin First employees; approved loans where borrowers failed to meet
HUD's minimum credit requirements because Franklin First failed to
provide adequate explanations for the derogatory credit; failed to
adequately document the stability and/or source of income used to
qualify for loans; failed to adequately document the source of funds
used to close loans; approved loans with debt-to-income ratios that
exceeded HUD standards without significant compensating factors and/or
explanations; charged borrowers excessive and impermissible fees;
failed to resolve discrepancies and/or conflicting information in loan
documents; failed to complete quality control reviews for loans that
were 60 days past due within the first six payments; and failed to have
a written quality control plan as required by HUD/FHA.
13. Ideal Mortgage Bankers, Ltd. d/b/a Lend America, Melville, NY
[Docket No. 09-9787-MR]
Action: On November 30, 2009, the Board issued a Notice of
Administrative Action permanently withdrawing Ideal Mortgage Bankers,
LTD's (Ideal) FHA approval and imposing a $512,500 civil money penalty.
Cause: The Board took this action based on the following violations
of HUD/FHA Requirements alleged by HUD: Ideal used conflicting
information in originating and obtaining HUD/FHA mortgage insurance;
submitted false certifications on the HUD 92900-A, Addendum to Uniform
Residential Loan Application, which stated that an employee of the
lender had obtained the information contained in the application
directly from the borrower; approved loans where borrowers failed to
meet HUD's minimum credit requirements; failed to adequately document
the stability and/or source of income used to qualify the borrowers for
the FHA-insured mortgages; failed to document the source of funds used
to close the loan or to satisfy various omitted liabilities; omitted
liabilities from the underwriting analysis without supporting
documentation, approved loans with debt-to-income ratios that exceeded
HUD standards without significant compensating factors and/or
explanation; exceeded HUD requirements when calculating the maximum
insurable mortgage; failed to process a loan in accordance with HUD
policy on loans to HUD employees; closed a loan with an excessive
mortgage broker fee paid to an FHA-approved loan correspondent; failed
to provide the required Verification of Rent to support its loan
approval decision; submitted false certifications to HUD in connection
with the submission of its Yearly Verification Report that concealed
administrative sanctions and investigations by two of Ideal's state
regulators; failed to notify HUD that one of Ideal's employees was
involved in fraudulent FHA insured mortgage originations in a timely
manner; permitted a borrower's Verification of Employment to be hand-
carried by the borrower; and approved loans that were not in compliance
with FHA appraisal requirements.
14. Ikon Mortgage Lenders, Inc., Ft. Lauderdale, FL [Docket No. 09-
9910-MR]
Action: On November 30, 2009, the Board issued a Notice of
Administrative Action permanently withdrawing Ikon Mortgage Lenders,
Inc.'s (Ikon) FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Ikon failed to comply with HUD
regulations and requirements when Ikon closed its only approved office
and failed to notify HUD of the closure.
15. Home Mortgage, Inc., Burr Ridge, IL [Docket No. 10-1632-MR(S)]
Action: On January 25, 2010, the Board issued Home Mortgage Inc.
(Home Mortgage) a Notice of Administrative Action suspending their HUD/
FHA approval pending the outcome of a legal proceeding for federal
indictment.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Home Mortgage's Chief Executive
Officer and 25% owner was indicted in the United States District Court
for the Northern District of Illinois on June 23, 2009, when he was
charged with one count of bank fraud for his role in a scheme to create
fictitious loans and warehouse those loans; Home Mortgage failed to
notify HUD of the indictment; and Home Mortgage failed to submit its
Yearly Verification report for 2008.
16. Jett Financial Services, Inc., San Diego, CA [Docket No. 09-9845-
MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to Jett Financial Services, Inc. (Jett)
permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Jett closed its only approved
office and failed to notify HUD.
17. Liberty State Finance LLC, Parsippany, NJ [Docket No. 09-9560-MR]
Action: On November 30, 2009, the Board issued a Notice of
Administrative Action permanently withdrawing Liberty State Finance
LLC's (Liberty) FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD; Liberty knowingly employed
individuals who were debarred and/or had been convicted of an offense
that reflects adversely upon its integrity, competence, or fitness to
meet the responsibilities of an FHA-approved mortgagee. Specifically,
Liberty employed two individuals: (a) One who was debarred by HUD
during the relevant period of time; and (b) one who had pleaded guilty
to committing HUD fraud. Liberty also falsely certified on HUD Form
92900-A, Addendum to Uniform Residential Loan Application, that two
mortgages were eligible for FHA insurance despite the fact that an
ineligible individual was involved in the origination of the loans and
failed to ensure that loan applications were taken and processed by
authorized individuals and employees.
[[Page 43540]]
18. Meridian Lending, Monroe, GA [Docket No. 09-9914-MR]
Action: On April 21, 2010, the Board issued a Notice of
Administrative Action to Meridian Lending (Meridian) immediately
withdrawing their FHA approval for a period of one year.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Meridian approved and closed a
loan where the spouse was added to title without regard for his/her
debts and overall creditworthiness; failed to perform quality control
reviews of loans that went into default within the first six months;
and failed to notify HUD of a business change when it failed to notify
HUD that it had closed its home office.
19. Nations Direct, LLC, Irvine, CA [Docket No. 08-8099-MR]
Action: On December 1, 2009, the Board entered into a settlement
agreement with Nations Direct, LLC (Nations Direct) requiring Nations
Direct to pay a $3,500 civil money penalty.
Cause: The Board took this action based on the following violations
of HUD/FHArequirements alleged by HUD; Nations Direct used the official
HUD logo on materials posted on its corporate Web site.
20. North Shore Financial, Inc., East Meadow, NY [Docket No. 09-9623-
MR]
Action: On November 30, 2009, the Board issued a Notice of
Administrative Action to North Shore Financial, Inc. (North Shore)
immediately and permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: North Shore permitted non-
employees and/or mortgage brokers to participate in the loan process;
failed to adequately staff its office because it never had any
employees; failed to comply with multiple requests from HUD's OIG
Office of Investigation to make its mortgage origination files
available for review; and failed to provide evidence that original
documents were reviewed, in that the loan files contained faxed
documents with no indication that North Shore received and/or reviewed
the original documents, or was able to clearly identify the source from
which the documents originated.
21. Paramount Bond Mortgage Company, Inc., St Louis, MO [Docket No 09-
9262-MR]
Action: On March 29, 2010, the Board entered into a settlement
agreement with Paramount Bond Mortgage Company, Inc. (Paramount)
requiring Paramount to pay a $68,500 civil money penalty and to
indemnify HUD on nine loans without admitting fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Paramount failed to ensure that
its employees were exclusive and did not have outside employment in the
mortgage lending, real estate, or other related field; failed to
adequately document income, a stable two-year employment history, and
other forms of effective qualifying income; failed to document
significant compensating factors for loans that exceeded HUD's debt-to-
income ratio; failed to document the source and/or adequacy of
borrowers' funds required to close the loans; and failed to include all
of the borrower's liabilities in loan qualification for loans.
22. Premiere Service Mortgage Corp, Westchester, OH [Docket No. 09-
9001-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to Premiere Service Mortgage Corp. (Premiere)
permanently withdrawing their FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Premiere closed its approved
offices and failed to notify HUD.
23. Premium Capital Funding LLC d/b/a TopDot Mortgage, Jericho, NY
[Docket No. 09-9001-MR]
Action: On January 25, 2010, the Board issued a Notice of
Administrative Action to Premium Capital Funding LLC d/b/a TopDot
Mortgage (Premium) permanently withdrawing their FHA approval and
imposing a civil money penalty in the amount of $674,000.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Premium failed to maintain and
implement a Quality Control Plan in compliance with FHA requirements;
failed to ensure that QC reviews were conducted on loans that went into
default within the first six months; failed to resolve discrepancies
and/or conflicting information in the origination of loans; failed to
document a stable two-year employment history and other forms of
effective income on loans; approved loans with debt-to-income ratios
that exceeded HUD standards without significant compensating factors;
failed to calculate income properly on loans; approved loans that did
not meet minimum credit requirements; omitted revolving and installment
debt liabilities on loans without documenting that the balance had been
paid or otherwise should have been excluded; allowed an appraiser who
was not on the FHA Roster to appraise a home on a loan; failed to
ensure that loans met the eligibility requirements for FHA insurance;
and exceeded HUD requirements when they calculated the maximum mortgage
amount.
24. PrimeWest Mortgage Corporation, Lubbock, TX [Docket No. 09-9613-MR]
Action: On February 2, 2010, the Board entered into a settlement
agreement with PrimeWest Mortgage Corp (PrimeWest) requiring PrimeWest
to pay a $168,500 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: PrimeWest permitted a third-
party to originate HUD/FHA insured mortgage loans, and subsequently
submitted false certifications to HUD that these loans were originated
by a full-time employee; failed to implement a Quality Control (QC)
plan in compliance with HUD/FHA requirements; failed to maintain QC
reports as required by HUD/FHA; failed to document the borrower's
income in accordance with FHA requirements; and charged a borrower an
unallowable tax service fee.
25. ProMortgage, Incorporated, Claremore, OK [Docket No. 09-9605-MR]
Action: On January 25, 2010, the Board issued a Notice of
Administrative Action to ProMortgage, Inc. (ProMortgage) permanently
withdrawing their FHA approval and imposing a civil money penalty in
the amount of $124,000.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: ProMortgage failed to perform a
Quality Control review on loans that went into default within the first
six payments; failed to adopt and maintain a Quality Control (QC) Plan
in accordance with HUD/FHA requirements; engaged in a prohibited branch
arrangement; made false certifications on the form HUD-92900-A Addendum
to the Uniform Residential Loan Application (URLA); failed to comply
with HUD/FHA requirements for home office operations; failed to report
compensation to an employee on IRS form W-2; and failed to process
Verifications of Employment
[[Page 43541]]
(VOE) on loans in compliance with HUD/FHA requirements.
26. Strategic Mortgage Corp., Oklahoma City, OK [Docket No.09-9606-MR]
Action: On January 25, 2010, the Board issued a Notice of
Administrative Action to Strategic Mortgage Corp.'s (Strategic)
permanently withdrawing their FHA approval and imposing a civil money
penalty against Strategic in the amount of $71,000.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Strategic hired loan officers
as independent contractors and reported their compensation on IRS form
1099's instead of the required W-2 forms; improperly charged borrowers
a broker fee in addition to an approximate 1% origination fee for loans
it originated; submitted a false certification to the Department in
connection with an FHA-insured loan; and failed to disclose the broker
fees charged to borrowers on the Good Faith Estimates (GFE); charged
borrowers commitment fees without a written agreement guaranteeing the
interest rate and discount points.
27. Sun West Mortgage Company, Inc., Cerritos, CA [Docket No. 09-9806-
MR]
Action: On December 1, 2009, the Board entered into a settlement
agreement with Sun West Mortgage Company (Sun West) requiring Sun West
to pay a $10,000 civil money penalty without admitting fault or
liability and issued Sun West a letter of reprimand.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: Sun West underwrote HECM loans
without having the necessary HECM lending license in the state where
the properties were located and failed to notify the Department that
the Massachusetts Commissioner of Banks had issued a Findings of Fact
and Temporary Order to Cease and Desist against it.
28. USA Home Loans, Towson, MD [Docket No. 09-9374-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to permanently withdraw USA Home Loan's FHA
approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: USA Home Loans failed to ensure
HUD's minimum credit requirements were satisfied; failed to verify
income and employment histories; failed to document the source and/or
adequacy of funds for the closing costs and/or debt satisfaction;
failed to verify documents faxed from an unknown source; failed to
ensure that properties met the conditions specified on the Uniform
Residential Appraisal Reports, and were eligible for FHA insurance;
failed to discontinue misleading advertising concerning the FHA
Mortgage Insurance Premium Refund, despite previous sanctions imposed
by the Board for the same violation; charged prohibited, duplicative,
and/or non-customary, non-reasonable fees to borrowers; failed to
ensure the completeness and accuracy of the data submitted to HUD;
failed to develop and implement a Quality Control Plan in accordance
with HUD/FHA requirements; and failed to notify HUD/FHA that it did not
renew its license to originate home mortgages.
29. US Bank, NA, Minneapolis, MN [Docket No. 09-9441-MR]
Action: On February 2, 2010, the Board entered into a settlement
agreement with US Bank, NA requiring US Bank, NA to pay a $37,500 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: US Bank, NA failed to comply
with HUD documentation requirements for the assignment of a defaulted
multi-family apartment mortgage.
30. U.S. Mortgage Corp., Pine Brook, NJ [Docket No. 09-9615-MR]
Action: On October 30, 2009, the Board issued a Notice of
Administrative Action to immediately and permanently withdraw U.S.
Mortgage Corp.'s FHA approval.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: U.S. Mortgage Corp. no longer
had the requisite warehouse line of credit or other mortgage-funding
program acceptable to HUD.
32. VanDyk Mortgage Corporation, Grand Rapids, MI [Docket No. 09-9602-
MR]
Action: On December 1, 2009, the Board entered into a settlement
agreement with VanDyk Mortgage Corporation (VanDyk) requiring the
payment of a $7,500 civil money penalty and requiring VanDyk to
indemnify HUD against future losses on two loans without admitting
fault or liability.
Cause: The Board took this action based on the following violations
of HUD/FHA requirements alleged by HUD: VanDyk failed to ensure that
loan applications were taken and processed by authorized employees;
failed to document income in accordance with FHA requirements; and
failed to adhere to FHA/HUD requirements regarding an employee's
involvement in obtaining an FHA-insured loan for themselves.
II. Lenders That Failed To Meet Requirements for Annual Recertification
of HUD/FHA Approval
Action: The Board voted to immediately withdraw FHA approval for a
period of one year for each of the lenders listed below.
Cause: The Board took this action because the lenders were not in
compliance with the Department's annual recertification requirements.
1. 1st Advantage Mortgage LLC, Lombard, IL.
2. 1st Alliance Banc Corporation, Chicago, IL.
3. 1st America LLC, Scottsdale, AZ.
4. 1st American Funding LLC, Fairfield, NJ.
5. 1st Family Mortgage Inc., Cooper City, FL.
6. 1st Nations Mortgage Corp, Louisville, CO.
7. 2CI Direct LLC, Westlake Village, CA.
8. 4G Funding Inc., Port Jefferson Stat, NY.
9. A & R Mortgage Inc., Downers Grove, IL.
10. AAA Mortgage Loans Investments, Saint Petersburg, FL.
11. AAA Reverse Mortgage Inc., Kissimmee, FL.
12. Aarow Mortgage Services Inc., Laurel, MD.
13. ABBA Mortgage Company LLC, Alexandria, VA.
14. ABC Home Loans, Reisterstown, MD.
15. ABN AMRO Mortgage Group, Troy, MI.
16. Absolute Lending Group Inc., Doral, FL.
17. Abstract Mortgage Services Inc., Nashville, TN.
18. Abundant Life Mortgage & Financial Serv, Reynoldsburg, OH.
19. Acacia Mortgage Corporation, Mesa, AZ.
20. Acadian Financial LLC, Grand Rapids, MI.
21. Accelerated Equity and Development Inc., Bluffdale, UT.
22. Accelerated Home Loan LLC, Toms River, NJ.
23. Access Financial Group Inc., McDonough, GA.
24. Access Funding Partners LLC, Saint Louis, MO.
25. Access Mortgage Corporation, Warwick, RI.
26. Acclaim Mortgage, Denver, CO.
[[Page 43542]]
27. Ace Mortgage Funding LLC, Indianapolis, IN.
28. Adam Smith Mortgage Inc., Marlborough, MA.
29. Adept Financial Consulting Inc., Minneapolis, MN.
30. Advanced Home Loans Corporation, Marco Island, FL.
31. Advanced Mortgage Solutions, Chandler, AZ.
32. Advantage First Mortgage Inc., Beaverton, OR.
33. Advantage Funding Group LLC, Saint Paul, MN.
34. Advantage One Mortgage Corporation, Plantation, FL.
35. Advantage One Mortgage Services Corp, Mount Laurel, NJ.
36. Advantix Lending Inc., Irvine, CA.
37. Advent Mortgage LLC, Louisville, KY.
38. Advocate Mortgage Group Inc., Baltimore, MD.
39. Aegis Wholesale Corporation, Houston, TX.
40. Aero Lending Group Inc., Dublin, OH.
41. AHM SV, Inc., Irving, TX.
42. AIM American Mortgage Inc., Houston, TX.
43. Alan Benjamin Mortgage Services LLC, Dublin, OH.
44. All American Mortgage Co Inc., Miami, FL.
45. All American Mortgage Inc., Hermitage, TN.
46. All Credit Mortgage LLC, De Pere, WI.
47. All Nations Mortgage Corp, Las Vegas, NV.
48. All Time Mortgage Corporation, Miami, FL.
49. All-America Financial Incorporated, Laguna Hills, CA.
50. All-American Mortgage Network, Southfield, MI.
51. Alliance Financial Services LLC, Montgomery, AL.
52. Alliance Mortgage Inc., Ridgeland, MS.
53. Alliance Resource Mortgage Company LLC, Mobile, AL (Titles 1 &
2).
54. Allied Capital Mortgage Company, Jacksonville, FL.
55. Alligriff Mortgage Corporation, Washington Ct House, OH.
56. Always Home Mortgage LLC, Syracuse, NY.
57. Ambassador Funding and Investments Inc., Valley Springs, CA.
58. AME Financial Corporation, Alpharetta, GA.
59. Ameribanc Financial Corporation, West Dundee, IL.
60. America East Mortgage LLC, Frederick, MD.
61. America First Mortgage Co Inc., Glen Carbon, IL.
62. America Mortgage Company, Chicago, IL.
63. America One Financial Inc., Portland, OR.
64. American Capital Mortgage Corp., Portland, OR.
65. American Central Mortgage Corp, Northlake, IL.
66. American Dream Funding Corporation, Maryville, IL.
67. American Elite Mortgage Inc., Salt Lake City, UT.
68. American Family Mortgage Corp, Wilmington, DE.
69. American Family Mortgage Partners Inc., Coral Gables, FL.
70. American Financial Partners LLC, Maryland Heights, MO.
71. American Group Mortgage Corp, Newtown, PA.
72. American Guaranty Mortgage, LLC, Greenwood Village, CO.
73. American Home Lending Inc., Bellmawr, NJ.
74. American Home Loans LLC, Fishers, IN.
75. American Home Mortgage Corp, Waterford, MI.
76. American Mortgage Funding Corp, Fort Lauderdale, FL.
77. American Mortgage Services LLC, Green Bay, WI.
78. American Nationwide Mortgage Inc., Las Vegas, NV.
79. American River Bank, Cameron Park, CA.
80. America's 1st Mortgage Services Inc., Augusta, GA.
81. America's Best Lending Network, Coral Springs, FL.
82. America's Best Mortgage Inc., Brandon, FL.
83. America's First Choice Lending, Inc., Duluth, GA.
84. America's Lending Solutions, LTD, Seven Hills, OH.
85. America's Mortgage Corp, Lake Worth, FL.
86. Americas Mortgage Group Inc., Columbus, OH.
87. Americas Mortgage Solutions LLC, Plantation, FL.
88. Americawide Inc., Westlake Village, CA.
89. Americor Lending Group Inc., Santa Ana, CA.
90. Ameritrust Mortgage Services LLC, Greenwood, IN.
91. Amstar Financial Mortgage Inc., Atlanta, GA.
92. Anastasia Mortgage Corp., St. Augustine, FL.
93. ANB Financial National Association, Bentonville, AZ.
94. Anchor Mortgage LLC, Gilbert, AZ.
95. Ancient City Mortgage, Saint Augustine, FL.
96. A-One Mortgage Consultants Inc., Hollywood, FL.
97. Apex Mortgage Services LLC, Columbus, OH.
98. Apex Mortgage Solutions LLC, Clearwater, FL.
99. Apollo Mortgage Group LLC, Birmingham, MI.
100. Arcadia Mortgage Inc., Salt Lake City, UT.
101. Argosy Financial Group, LLC, Lyndhurst, NJ.
102. Arizona Sonora Mortgage Inc., Tucson, AZ.
103. Armanini Inc., Wailuku, HI.
104. Artisan Mortgage LLC, Metairie, LA.
105. Artisan Mortgage LLC, Scottsdale, AZ.
106. Ashley Valley Financial Services Inc., Vernal, UT.
107. Asix Group, Inc., Indianapolis, IN (Titles 1 & 2).
108. Asset Managing Group Inc., Jacksonville, FL.
109. At Home Mortgage Corp, Neosho, MO.
110. Atlantic Capital Mortgage, Clearwater, FL.
111. Atlantic Coast Mortgage Svcs, Pleasantville, NJ.
112. Atlantic Lending Corporation, Jupiter, FL.
113. AtlantisFinancial Services Inc., Sewickley, PA.
114. Aurora Financial Services Inc., New Orleans, LA.
115. Avenya Inc., Brandon, FL.
116. Axis Mortgage Corporation, Oswego, IL.
117. Aztec Funding, Somerton, AZ.
118. Banc Home Loans LLC, Hanover, MD.
119. Banc Ohio Mortgage Corporation, Fairlawn, OH.
120. Bank of Astoria, Warrenton, OR.
121. Bank of Clark County, Vancouver, WA.
122. Bankcredit Mortgage Inc., Boca Raton, FL (Titles 1 & 2).
123. Bankstreet Mortgage LLC, New London, CT.
124. Bann Cor Mortgage Inc., Mission Viejo, CA (Titles 1 & 2).
125. Barrington Mortgage, Barrington, IL.
126. Bay Mortgage Services Inc., Plymouth, MA (Titles 1 & 2).
127. Bayside Mortgage Funding Inc., Clearwater, FL.
128. Becker Group Financial, Sacramento, CA.
129. Beneficial Financial Mortgage Corp, Hialeah, FL.
130. Bergin Financial Inc., Southfield, MI.
131. Berman Mortgage Corporation, Miami, FL.
132. Best American Mortgage Company LLC, Hinesville, GA.
133. Better Family Mortgage Corp., St. Louis, MO.
[[Page 43543]]
134. Bhatti Enterprises Inc., Ft Lauderdale, FL.
135. Black Diamond Mortgage Inc., Oakbrook Terrace, IL.
136. Blatz Mortgage Company LLC, Prattville, AL.
137. Blee Financial Inc., Inglewood, CA.
138. Blue Bell Mortgage Group LP, Blue Bell, PA.
139. Blue Cap Funding LLC, Baltimore, MD.
140. Blue Chicago Financial Corp, Chicago, IL.
141. Blue Saphire Investments, Union City, CA (Titles 1 & 2).
142. Bona Fide Mortgage Corporation, Wilmington, DE.
143. Bright Star Mortgage Company, Westchester, IL.
144. Broad Ripple Mortgage Inc., Indianapolis, IN.
145. Broad Solutions Lending LP, Plano, TX.
146. Brown and Wagner Mortgage Inc., Springfield, MO.
147. Bryco Funding Inc., San Francisco, CA.
148. Builders Mortgage LLC, Scottsdale, AZ.
149. Burton and Burton Mortgage Inc., Tallahassee, FL.
150. Bush & Hewitt Holding Inc., Temecula, CA.
151. BWM Mortgage LLC, Wauwatosa, WI.
152. C and G Financial Services Inc., Upland, CA.
153. Cal State Relocation Inc., Carmichael, CA.
154. California Funding Corp, Los Angeles, CA.
155. California Home Investments, Anaheim, CA.
156. Callycorp Financial Inc., Vancouver, WA.
157. Cambridge Financial Group LLC, Bingham Farms, MI.
158. Capital City Mortgage Incorporated, Costa Mesa, CA (Titles 1 &
2).
159. Capital Direct Financial Inc., Rancho Santa Margar, CA.
160. Capital Finance, Inc., Saint Paul, MN.
161. Capital Financial Services, Inc., Salt Lake City, UT (Titles 1
& 2).
162. Capital Home Loans Inc., Allentown, PA.
163. Capital Mortgage Corporation, East Greenwich, RI.
164. Capital Trust Mortgage & Financial Group, Atlanta, GA.
165. Capstar Mortgage Bankers Inc., Melville, NY.
166. Capstone Inc., Vancouver, WA.
167. Captus Capital Inc., Vienna, VA.
168. Cardinal Banc Mortgage Corp, Brecksville, OH.
169. Carnegie Hill Corporation, Scottsdale, AZ.
170. Casa Blanca Mortgage Inc., Woodland Hills, CA (Titles 1 & 2).
171. Cash Fast Finance LLC, Phoenix, AZ.
172. Cassius Inc., Richmond, KY.
173. CBA Commercial, LLC, Stamford, CT.
174. CBAC Funding LLC, Stamford, CT.
175. CBSK Financial Group INC, Irvine, CA (Titles 1 & 2).
176. Cedar Mortgage Company, San Jose, CA.
177. Celebrity Mortgage LLC, Parsippany, NJ (Titles 1 & 2).
178. Centennial Financial Services Inc., Wayne, NJ.
179. Centennial Mortgage and Financial Serv I, Centennial, CO.
180. Central Coast One Stop Mortgage Group Inc., Santa Maria, CA.
181. Central Fidelity Mortgage Corporation, Atlanta, GA.
182. Central Funding Inc., Duluth, GA.
183. CenTrust Bank, Deerfield, IL.
184. Century Bank NA, Dallas, TX.
185. Century Home Mortgage LLC, Southaven, MS.
186. Century Plaza Mortgage, Rowland Heights, CA.
187. Cetus Mortgage LTD, Reno, NV.
188. Challenge Financial Investors Corp, Saint Petersburg, FL.
189. Champion Lending Group, El Paso, TX.
190. Charter Mortgage Corporation, Tulsa, OK.
191. Charter West Mortgage, LLC, Grand Rapids, MN.
192. CHFS LTD, Mesquite, TX.
193. Chicago First Mortgage Inc., Chicago, IL.
194. Chicago Funding Inc., Addison, IL.
195. Chicago United Mortgage Inc., Chicago, IL.
196. Choice Bank, Scottsdale, AZ.
197. Choice Mortgage Company, Pontiac, MI.
198. Choice One Mortgage Inc., Lake Zurich, IL.
199. Citizens First Mortgage Solutions Inc., Snellville, GA.
200. Citizens State Bank, Kingsland, GA.
201. City and Suburban, FSB, Yonkers, NY.
202. City Mortgage Group Inc., Vienna, VA.
203. City National Bank, Longview, TX.
204. Cityfirst Mortgage LLC, Colorado Springs, CO.
205. Citywide Financial Group, Long Beach, CA.
206. Citywide Mortgage Corp, Landover, MD.
207. CJM Mortgage Corp, Pompton Lakes, NJ.
208. Clark Welsh Mortgage Group Inc., Indianapolis, IN.
209. Clarkston State Bank, Clarkston, MI.
210. Classic Home Mortgage LLC, Centennial, CO.
211. Classic Mortgage Funding Inc., Winter Park, FL.
212. Classic Mortgage, O Fallon, IL.
213. Clearwater Mortgage Acceptance Corp, Sebring, FL.
214. Coast 2 Coast Group Inc., Las Vegas, NV.
215. Coastal Carolina Mortgage Lenders Inc., Kinston, NC.
216. Cobb Energy Mortgage Services LLC, Marietta, GA.
217. Coldwater Canyon Capital, LLC, Broomall, PA.
218. Collateral Mortgage Corporation, Woodstock, GA.
219. Colonial Atlantic Mortgage Inc., Silver Spring, MD.
220. Colonial Credit LLC, West Warwick, RI.
221. Colonial Mortgage Lending Inc., Fort Lauderdale, FL.
222. Colorado Lending Group I LLC, Westminster, CO.
223. Colson Mortgage Company, LP, North Richland Hill, TX.
224. Community Bank Meridian MS, Meridian, MS.
225. Community Home Lending Inc., Birmingham, AL.
226. Community Home Mortgage Corp, Fort Lauderdale, FL.
227. Comparison Mortgage Inc., Redford, MI.
228. Compass Mortgage LLC, Edmonds, WA.
229. Compass Mortgage Services Inc., Boca Raton, FL.
230. Complete Mortgage Corporation, Farmington Hills, MI.
231. Construction Lending Group Inc., Ft Lauderdale, FL.
232. Consumer Credit Services Inc., Orange Park, FL.
233. Continental Mortgage Funding Corporation, Indianapolis, IN.
234. Cornerstone Mortgage Corp, Lake Oswego, OR.
235. Corporate Capital Mortgage, Inc., Copiague, NY.
236. Countryside Home Loans, Cockeysville, MD.
237. Credit Financial Services LLC, Cincinnati, OH.
238. Cresland Mortgage Co LLC, Plymouth, MN.
239. Crosscountry Home Loans Inc., Brea, CA.
240. CSM Mortgage Inc., Leawood, KS.
241. CSMG Corp, Las Vegas, NV.
242. Cumberland Bank, Franklin, TN.
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243. Dalmac Mortgage Inc., Houston, TX.
244. Dana Capital Group Inc., Irvine, CA (Titles 1 & 2).
245. Del Mar Home Loans Inc., La Mesa, CA.
246. Delta Financial Corp, Oakland Park, FL.
247. Delta Home Loans Inc., Los Angeles, CA.
248. Deschutes Mortgage Group Inc., Bend, OR.
249. Desert Valley Mortgage, Saint George, UT.
250. Dewitt Mortgage Group Inc., Evansville, IN.
251. Diamond Home Mortgage Corporation, Westmont, IL.
252. Direct Financial Solutions Corp, Riverdale, NJ.
253. Direct Lending Inc., Livonia, MI.
254. Direct Loan Funding Inc., Foothill Ranch, CA.
255. Direct Mortgage Inc., Rancho Cucamonga, CA (Titles 1 & 2).
256. Discount Mortgage Finders, Fort Lauderdale, FL.
257. Discount Mortgage Lenders, Inc., Oak Brook, IL.
258. Diversified Mortgage Services, Inc., Louisville, KY.
259. Dixie Mortgage Corp., Lake Worth, FL.
260. Dollar Investment Corp., Memphis, TN.
261. Dollar Mortgage Corporation, La Mesa, CA (Titles 1 & 2).
262. Dolphin Mortgage Corporation, Lombard, IL.
263. Domus Mortgage Services, Inc., Blauvelt, NY.
264. Dougherty Mortgage, Inc., Homewood, IL.
265. Douglass Bank, Kansas City, KS (Titles 1 & 2).
266. Dream House Mortgage Corporation, Providence, RI.
267. DTR Investments, Inc., Atlanta, GA.
268. Dynamic Mortgage Bankers Ltd., Westbury, NY.
269. E Lending Corp., Cleveland, OH.
270. E Loan Mortgage Funding Corp., Parsippany, NJ.
271. Eagle Mortgage and Consultants, Inc., Lansing, IL.
272. Eagle Mortgage Brokerage, Inc., Peoria, IL.
273. Eastern American Mortgage Co., Little Falls, NJ (Titles 1 &
2).
274. Eastern Residential Mortgage LLC, Columbia, MD.
275. Efficient Lending Corp., Irvine, CA (Titles 1 & 2).
276. ELend Mortgage LLC, Houston, TX.
277. Elite Capital Management, Inc., Palos Heights, IL.
278. Elite Mortgage Company, Schaumburg, IL.
279. Elite Mortgage Group, Inc., Ridgefield, NJ.
280. E-Loan, Inc., Pleasanton, CA.
281. Elysian Mortgage LLC, Hoboken, NJ.
282. Embassy Mortgage, Inc., Silver Spring, MD.
283. Emerald Financial Group LLC, Independence, OH.
284. Emic International Corp., Dallas, TX.
285. Empire Mortgage Services II, Inc., Palm Harbor, FL.
286. Entrust Mortgage, Inc., Englewood, CO (Titles 1 & 2).
287. Equity 1 Mortgage, LLC, Brookfield, WI.
288. Esperanza Financial Services, Inc., Berwyn, IL.
289. Evergreen Mortgage Co., Inc., Smithtown, NY.
290. Evergreen Mortgage Services LLC, Canton, MI.
291. EVest Lending, Inc., Westbrook, ME.
292. Excellence Mortgage Corporation, Sandy, UT.
293. Exclusive Bancorp, Inc., Lincolnwood, IL.
294. Exclusive Home Mortgage, Inc., Kissimmee, FL.
295. Exclusive Metro Mortgage LLC, Atlanta, GA.
296. Executive Funding, Inc., Ogden, UT.
297. E-Z Mortgage Corp., Union City, NJ.
298. Fairway Mortgage Corporation, Crofton, MD.
299. Family Home Mortgage, Inc., Ligonier, PA.
300. Family Investment Mortgage, Palm Harbor, FL.
301. Familyhomeloans.Net, Inc., Laguna Hills, CA.
302. Farmers State Bank of Fulton County, Lewistown, IL.
303. Fast Track Funding Corp., Hicksville, NY.
304. Fastrack Financial LLC, Dearborn, MI.
305. FCM Corporation, Canoga Park, CA.
306. FCRMS, Inc., San Diego, CA.
307. Federalguaranty Mortgage Company, Pembroke Pines, FL.
308. FHM Mortgage Group LLC, Parsippany, NJ.
309. Fidelity Mortgage Co., Inc., West Bloomfield, MI.
310. Fidelity Mutual Mortgage, Inc., North Palm Beach, FL (Titles 1
& 2).
311. Fifth Third Bank, Cincinnati, OH.
312. Finance First Mortgage Corp., Hialeah, FL.
313. Finance Mortgage of America, Inc., Miami, FL.
314. Financial Center Mortgage and Investment, Lake Oswego, OR.
315. Financial Lending Group, Inc., Miami, FL.
316. First American Bank, Decatur, AL.
317. First Atlantic Resources Corp., Manasquan, NJ.
318. First Bank of Arizona N.A., Scottsdale, AZ.
319. First Call Mortgage Company, Andover, MA.
320. First Capital Mortgage of Central Florida, Maitland, FL.
321. First Choice Mortgage Corporation, Florence, KY.
322. First Class Financial Corporation, Southfield, MI.
323. First Commercial Bank N.A., Little Rock, AR.
324. First Countywide Mortgage Corp., Hialeah, FL (Titles 1 & 2).
325. First Discount Mortgage, Atlanta, GA.
326. First Equity Funding Corp., Lauderdale Lakes, FL.
327. First Fidelity Financial Corp., Ft. Lauderdale, FL.
328. First Fidelity Mortgage Group Ltd., Smithtown, NY.
329. First Financial Home Lending, Inc., Cincinnati, OH.
330. First Financial Lending LLC, Wauwatosa, WI.
331. First Florida International Mortgage, Kissimmee, FL.
332. First Florida State Mortgage Corporation, Melbourne, FL.
333. First Gulf Bank, Summerdale, AL.
334. First Heritage Mortgage Corp., Altamonte, FL.
335. First Home Financial Services, Inc., Chesterfield, MO.
336. First Independent Bank, Vancouver, WA.
337. First Jersey Mortgage Services, Inc., Union City, NJ.
338. First Lenders Choice Corp., Miami, FL.
339. First Madison Mortgage Corporation, Rockville, MD.
340. First Madison Services, Inc., Shelton, CT.
341. First Mortgages Lenders of Tampa Bay, Inc., Palm Harbor, FL.
342. First National Bank of Millstadt, Millstadt, IL.
343. First National Bank of Nevada, Scottsdale, AZ.
344. First National Bank, Christiansburg, VA.
345. First National Mortgage Bank, Inc., Dayton, OH.
346. First Option Mortgage, Inc., Roseville, CA.
347. First Pacific Funding Corporation, Upland, CA.
348. First Premier Finance LLC, Branson, MO.
349. First Priority Mortgage, Inc., Norcross, GA.
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350. First Quest Financial Corp., North Wales, PA.
351. First Quest Financial, Inc., Santa Ana, CA.
352. First Rate Mortgage Co., Fraser, MI.
353. First Southern Mortgage Company, Inc., Mobile, AL.
354. First State Home Loan Ltd., Austin, TX.
355. First State Mortgage Company, Longwood, FL.
356. First Street Financial, Inc., Irvine, CA.
357. First Suburban Mortgage Corp., Riverside, IL.
358. First Trade Union Savings Bank FSB, Boston, MA.
359. First United Mortgage Banking Corp., Jericho, NY.
360. First Universal Financial, Inc., Reno, NV.
361. Firstcity Bank, Stockbridge, GA.
362. Five Star Mortgage Services, Inc., Jacksonville, FL (Titles 1
& 2).
363. Fixed Rate Holdings, Inc., Lake Forest, CA.
364. Florida Atlantic Mortgage Corp., Inc., Margate, FL.
365. Florida Business Finance Corp., Jacksonville, FL (Titles 1 &
2).
366. Florida Living Mortgage Group Corp., Orlando, FL.
367. Florida's Best Home Mortgages, Inc., Parkland, FL.
368. Floridian Bank, Daytona Beach, FL.
369. Focus Financial LP, Ogden, UT.
370. Ford Financial LLC, Somerville, NJ.
371. Foremost Mortgage Associates, Inc., Cranston, RI.
372. Fort Knox National Bank, Elizabethtown, KY.
373. Four Corners Realty Financial, Irvine, CA.
374. Franale LLC, Houston, TX.
375. Franklin Bank SSB, Houston, TX.
376. Freedom Bank of Georgia, Commerce, GA.
377. Freedom Home Mortgage Corp., Wayne, NJ.
378. Freedom Homes, Inc., Oklahoma City, OK.
379. Freedom Mortgage Team, Inc., Oakbrook Terrace, IL.
380. FSM Holding Corp., San Diego, CA.
381. Full Circle Financial LLC, Kent, WA.
382. Funded Capital Mortgage, Inc., Beverly Hills, CA.
383. Funding Mortgage Ltd., Chicago, IL.
384. Future Financial LLC, Oakbrook Terrace, IL.
385. G and G Financial Network, Inc., Fort Collins, CO.
386. G.M.C. Financial Corporation, Phoenix, AZ.
387. Gateway Home Loans LLC, Glastonbury, CT.
388. Gateway Mortgage Lending, Inc., Clive, IA.
389. GB&T Bancshares, Inc., Cumming, GA.
390. Generation V, Inc., Greenwood Village, CO.
391. Genesis Financial Group LLC, Smyrna, TN (Titles 1 & 2).
392. Geneva Mortgage Corp., Rockville Centre, NY.
393. Georgia Mortgage Consultants, Inc., Acworth, GA.
394. GFTR Holdings, Inc., Atlanta, GA.
395. Gibraltar Mortgage Corporation, East Lansing, MI.
396. Gibraltar Mortgage Loans & Investment Inc., Hudson, FL.
397. Global Equity Lending, Inc., Johns Creek, GA.
398. Globe Mortgage Network, Inc., Boca Raton, FL.
399. GMAC Mortgage USA Corporation, Kailua, HI.
400. Go Financial Group, Inc., Greenbelt, MD.
401. Gold Coast Mortgage LLC, Northfield, NJ.
402. Gold Mortgage Banc, Inc., Olathe, KS.
403. Golf Crest Mortgage, Inc., Tampa, FL.
404. Goodman Financial Institute of America, St. Petersburg, FL.
405. Grand Central Mortgage Corp., Birmingham, AL.
406. Grand Mortgage Corporation, Palatine, IL.
407. Great New England Mortgage Co., Inc., North Attleboro, MA.
408. Greater Northwest Mortgage, Inc., Clackamas, OR.
409. Greater United Home Funding, Inc., Orlando, FL.
410. Green Pastures Mortgage & Finance Co. LLC, Lutherville, MD.
411. Greylock Federal Credit Union, Pittsfield, MA.
412. Gulf Coast Mortgage Financial Services I, Fort Myers, FL.
413. Habitat Mortgage Company, Inc., Westlake, OH.
414. Hamilton Mortgage Company, Phoenix, AZ.
415. Hammersmith Financial Corp., Inc., Houston, TX.
416. Heartwell Mortgage Corporation, Grand Rapids, MI.
417. Heavensent Financial Group, Inc., Houston, TX.
418. Heritage Mortgage Corp. of Southwest Florida, Port Charlotte,
FL.
419. Heritage Mortgage LLC, Manassas, VA.
420. HMS Capital, Inc., Westlake Village, CA.
421. Hollywood Mortgage Corporation, Miramar, FL.
422. Home America Mortgage, Inc., Lawrenceville, GA.
423. Home Capital Funding, San Diego, CA.
424. Home Capital, Inc., Atlanta, GA.
425. Home Center Mortgage, Norco, CA.
426. Home Equity Mortgage Corporation, Miami, FL.
427. Home Equity Store, Inc., Draper, UT.
428. Home Financial Services, Inc., Mineola, NY.
429. Home First Funding LLC, Winter Park, FL.
430. Home First Mortgage, Inc., Saint Louis, MO.
431. Home Loan Funding, Inc., Irvine, CA.
432. Home Mortgage Finance Group Corp., Cutler Bay, FL.
433. Home Mortgage Solutions, Inc., Greenwood Village, CO.
434. Home Mortgage, Inc., Burr Ridge, IL.
435. Home One Mortgage, LLC, Largo, MD.
436. Home Savings Mortgage, Calabasas, CA.
437. Home Source Mortgage LLC, Boise, ID.
438. Home Star Mortgage Corp., Merrick, NY.
439. Homefield Financial, Inc., Irvine, CA (Titles 1 & 2).
440. Homelenders Financial Services, Inc., Tempe, AZ.
441. Homeowners Friend Mortgage Company, Inc., Orange, CA.
442. HomeQuest Mortgage Corp., Lombard, IL.
443. Homes and Loans, Inc., Sacramento, CA.
444. Homesamerica Mortgage Service, Inc., Miami, FL.
445. HomeSouth Mortgage Corporation, Jacksonville, FL.
446. Homestead Mortgage Corporation, Schaumburg, IL.
447. Horizon Direct, Inc., Agoura Hills, CA.
448. Horizon Financial Corporation, Fairfield, NJ.
449. Howe Lagrange Mortgage Co., Inc., Lagrange, IN.
450. I F Key Holdings, Inc., Orange, CA.
451. I M Navarro Corporation, Riverside, CA.
452. Icon Financial Group, Inc., Berkley, MI.
453. Imperial Mortgage Company LLC, Birmingham, AL.
454. Infinity Mortgage Service, Inc., Southfield, MI.
455. Innovative Solutions Treasure Coast, Inc., Fort Pierce, FL.
456. Instant Capital Funding Group, Inc., Orange, CA.
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457. Integra Funding Group, Inc., Murrieta, CA (Titles 1 & 2).
458. Integrated Finance Services LLC, Hamden, CT.
459. Integrity Bancorp, Temecula, CA.
460. Integrity Financial Services, Oak Brook, IL (Titles 1 & 2).
461. Intercoastal Funding Corp., Fountain Valley, CA.
462. Intercontinental Mortgage Partners LP, Houston, TX.
463. Inter-Galactic Mortgage Corp., Los Angeles, CA.
464. Intermountain Financial LLC, Midvale, UT.
465. International Mortgage Lenders, Inc., Louisville, KY.
466. International Mortgage Services, Spring Lake, NJ.
467. Investors Savings Bank, Millburn, NJ.
468. Ires Co., Fountain Valley, CA.
469. Ironwood Lending, Inc., Phoenix, AZ.
470. IVC Mortgage Group, Inc., Des Plaines, IL.
471. J & L Realty Group, Inc., Elk Grove, CA.
472. J & S Development Group, Inc., St. Petersburg, FL.
473. J D Myers Financial, Inc., Lake Stevens, WA.
474. Jarvis Street Mortgage Providers, Inc., Dawsonville, GA.
475. JC Reed Mortgage, LLC, Franklin, TN (Titles 1 & 2).
476. JDB Mortgage, Inc., Burnsville, MN.
477. Jefferson Independent Mortgage, Dallas, TX.
478. Jett Financial Services, Inc., San Diego, CA.
479. Joma Shipping and Chartering Ltd., Southfield, MI.
480. Kaiser and Associates Mortgage Services, Inc., Louisville, KY.
481. Kase Mortgage Banc, Inc., Elgin, IL.
482. Kay Co. Investments, Inc., Novato, CA.
483. KC Mortgage Group, Inc., Kansas City, MO (Titles 1 & 2).
484. Kemper Mortgage, Inc., Miamisburg, OH.
485. Key Mortgage Brokers, Inc., Fort Myers, FL.
486. Killion Enterprises, Inc., Portland, OR.
487. Kinetic Mortgage Group, Inc., Doral, FL.
488. King Mortgage Corp., Wayne, NJ.
489. Kirkwood Financial Corporation, Victorville, CA.
490. Koala Equity Group, Inc., Hollywood, FL (Titles 1 & 2).
491. Kramer Mortgage Company LLC, West Des Moines, IA.
492. Kulman, Inc., Walnut Creek, CA.
493. L.S.M.C. Inc., Kansas City, MO.
494. La Junta State Bank and Trust, La Junta, CO.
495. Lakeshore Funding, Inc., Chicago, IL.
496. Lakeside Funding, Inc., Northbrook, IL.
497. LandAmerica Home Loans, Inc., Coral Gables, FL.
498. Laredo National Bank, Laredo, TX.
499. LaSalle Bank Midwest National Association, Troy, MI (Titles 1
& 2).
500. Latino Home Loans, Inc., Tampa, FL.
501. Leahy Mortgage, Inc., Lakeland, FL.
502. Leblond Federal Credit Union, Cincinnati, OH.
503. Legacy Financial Services, Inc., Batesville, IN.
504. Legacy Lenders Group LLC, Topeka, KS (Titles 1 & 2).
505. Legacy Mortgage, Inc., Springfield, NJ.
506. Lender Ltd, South Lyon, MI.
507. Lenders Rate Approval-Com Corp., Irvine, CA.
508. Lending Group, Inc., Jacksonville, FL.
509. Lending.com, Inc., Dallas, TX.
510. Liberty Financial Group, Inc., St Petersburg, FL.
511. Liberty Funding Services, Cedar Knolls, NJ.
512. Liberty Lending Incorporated, Santa Monica, CA.
513. Liberty Mortgage Group, Inc., Saint George, UT (Titles 1 & 2).
514. Liberty Mortgage LLC, Jersey City, NJ.
515. Liberty Mortgage, Inc., Jacksonville, FL.
516. Liberty One Lending, Inc., Goodyear, AZ.
517. Lifestyle Mortgage II LLC, San Antonio, TX.
518. Lighthouse Mortgage Advisers LLC, Everett, MA.
519. Lighthouse Mortgage Corporation, Fort Myers, FL.
520. Lighthouse Point Lending LLC, Ellington, CT.
521. Lime Financial Services Ltd., Lake Oswego, OR (Titles 1 & 2).
522. Lincoln Lending Services LLC, Miami, FL.
523. Lincoln Mortgage Financial Services, Inc., Clinton, TN (Titles
1 & 2).
524. Linden Residential Credit Corp., Ronkonkoma, NY.
525. Link One Mortgage Bankers LLC, Jericho, NY.
526. LMC Mortgage, Chicago, IL.
527. Loan America, Inc., Alpharetta, GA.
528. Loan Emporium, Inc., Norco, CA.
529. LoanAmerica Home Mortgage, Inc., Houston, TX (Titles 1 & 2).
530. Loanchoice, Inc., Miami, FL.
531. Loanscapes LLC, St. Louis, MO.
532. Loanstar Mortgage and Investments Corp., Tamarac, FL.
533. Louisiana Real Estate Finance LLC, Baton Rouge, LA.
534. LTL Financial Services, Inc., Frankfort, IL.
535. Luxor Investment Group, Inc., Bell Gardens, CA.
536. M and A Mortgage, Inc., Orange, CA.
537. M and R Mortgage Solutions, Chicago, IL.
538. Madison Mortgage Corporation, Smyrna, GA.
539. MAG Financial Group, Inc., Monrovia, CA.
540. Magna Mortgage and Investments, Clearwater, FL.
541. Magnolia Mortgage Company LLC, Montgomery, AL.
542. Main Street Bank, Northville, MI.
543. Maksor Management Group LLC, Wyoming, MI (Titles 1 & 2).
544. Maranatha Mortgage Corp., Algonquin, IL.
545. Mariners Capital, Inc., Newport Beach, CA.
546. Market Capitol Group, Edmond, OK.
547. Market Mortgage Corp., Oak Brook, IL.
548. Mass Mortgage, Inc., West Palm Beach, FL.
549. Mayberry Financial Corporation, Portland, ME.
550. Mayflower Home Loans, Inc., Milford, OH.
551. MBA Financial Solutions, Forest Hill, MD.
552. MCIG Capital Corporation, Ontario, CA.
553. Mendaros Family Corp., Pleasanton, CA.
554. Mercantile Mortgage Company, Westerville, OH.
555. Mercantile Mortgage Corp., Baltimore, MD.
556. Meridian Bank, Alton, IL.
557. Meridian Lending, Inc., Monroe, GA.
558. Metro East Mortgage Corp., Saint Louis, MO.
559. Metro Funding Corp., Miami, FL.
560. Metroplex City Mortgage LLC, Carrollton, TX.
561. Metropolitan Mortgage Bankers, Inc., Silver Spring, MD.
562. Metropolitan Mortgage Services, Cliffside Park, NJ.
563. Miami Valley Bank, Lakeview, OH.
564. Mid Atlantic Mortgage Group LLC, Pasadena, MD.
565. Midland Mortgage Corp., Rockford, IL.
566. Midwest Mortgage Consultants LLC, St Louis, MO (Titles 1 & 2).
567. Midwest One Mortgage Services, Inc., Evansville, IN.
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568. Midwest Residential Lending LLC, Tipp City, OH.
569. Mila, Inc., Mountlake Terrace, WA.
570. Millenium Mortgage Investors Corp., Miami, FL.
571. Mills County State Bank, Glenwood, IA.
572. Minnesota Home Mortgage Corp., Saint Paul, MN.
573. Mission Mortgage, LLC, Overland Park, KS.
574. MLSG, Inc., Reno, NV (Titles 1 & 2).
575. Monarch Mortgage Co., Inc., Tucker, GA.
576. Money First Financial Services, Inc., Las Vegas, NV.
577. Money Source, Inc., Marietta, GA.
578. Moneylink Mortgage, Inc., Montebello, CA.
579. Moneywise Home Loans LLC, Lombard, IL.
580. Monument Capital LLC, Hazelwood, MO (Titles 1 & 2).
581. Morgan Funding Corp., Jersey City, NJ.
582. Morning Star Mortgage Group, Inc., Palm Bay, FL.
583. Mortgage Acceptance Corp., Austin, TX.
584. Mortgage Amenities Corp., Lincoln, RI.
585. Mortgage Approval Company LLC, Florence, KY.
586. Mortgage Broker Associates, Inc., Lynnwood, WA.
587. Mortgage Center of America, Inc., Walnut Creek, CA.
588. Mortgage Consultant and Co, Fairfield, NJ.
589. Mortgage Depot LLP, Nashville, TN.
590. Mortgage Discounters, Inc., Annandale, VA.
591. Mortgage Division, Inc., Conyers, GA.
592. Mortgage Experts, Inc., Moreno Valley, CA.
593. Mortgage Express, Inc., Roslindale, MA.
594. Mortgage Finance Corporation, Wolcott, CT.
595. Mortgage First Limited LLC, Mount Prospect, IL.
596. Mortgage Florida LC, Orlando, FL.
597. Mortgage Funding Solutions LLC, West Deptford, NJ.
598. Mortgage Industry, Inc., Angelton, TX.
599. Mortgage Institute Michigan, Southfield, MI.
600. Mortgage Mart, Inc., Joliet, IL.
601. Mortgage Network of America, Beachwood, OH.
602. Mortgage One Lending, San Diego, CA.
603. Mortgage Planners LLC, Clearwater, FL.
604. Mortgage Resource Group, Inc., Eugene, OR.
605. Mortgage Resource, Inc., Rochelle Park, NJ.
606. Mortgage Resources, Inc., Jacksonville, FL.
607. Mortgage Results Corporation, Norwood, MA.
608. Mortgage Services Bancorp, Bloomingdale, IL.
609. Mortgage Services Group LLC, Springfield, MO.
610. Mortgage Solutions Services, Inc., Brentwood, TN.
611. Mortgage Source, Inc., Las Vegas, NV.
612. Mortgage Sphere, Inc., Northbrook, IL.
613. Mortgage Town, Inc., Trussville, AL.
614. Mortgages First Real Estate Services, League City, TX.
615. MTS Financial LLC, Douglasville, GA.
616. Multi-Fund of Columbus, Inc., North Olmsted, OH.
617. Multi-Source Financial Investments, Inc., Richardson, TX.
618. Mutual Mortgage Corp., Farmington, MI.
619. Nations First Mortgage Banc, Inc., Dayton, OH.
620. Nations Wholesale Lending Group, Inc., Delray Beach, FL.
621. Nationwide Lending Corporation, Irvine, CA (Titles 1 & 2).
622. NBGI, Inc., Los Angeles, CA.
623. Net Trust Mortgage LLC, Boca Raton, FL.
624. Netbank, Coeur d'Alene, ID.
625. Nevis Funding Corporation, Woodland Hills, CA.
626. New Day Trust Mortgage, Irvine, CA.
627. New England Home Mortgage LLC, South Portland, ME.
628. New Equity Financial Corp., Louisville, KY.
629. New Heights Mortgage Co LLC, Little Rock, AR.
630. New Liberty Home Loans LLC, Duluth, GA.
631. New Liberty Mortgage, Glendale Heights, IL.
632. New Millennium Mortgage Group Corp., Chicago, IL.
633. New Millennium Mortgage, Naperville, IL.
634. New World Mortgage, Inc., Murrieta, CA.
635. New York Capital Exchange Corp., Garden City, NY.
636. Newbury Mortgage America Ltd, Takoma Park, MD.
637. Newcastle Mortgage Corporation, Saint Louis, MO.
638. Newkey Financial Corporation, Huntington Beach, CA.
639. NFC Wholesale LLC, Phoenix, AZ.
640. NHI Home Mortgage LLC, Federal Way, WA.
641. Nivek Funding Group, Inc., Glens Falls, NY.
642. Northern Mortgage Services LLC, Southborough, MA.
643. Northwoods Lending LLC, Brookfield, WI.
644. Noskey Mortgage Corporation, Brandon, FL.
645. Novella Garcia Real Estate, Inc., Rio Linda, CA.
646. NV. Mortgage, Inc., Henderson, NV.
647. OCM Mortgage, Inc., Overland Park, KS.
648. Ohio Mortgage Associates LLC, Englewood, OH.
649. Ok Corral Mortgage, Inc., Irvine, CA.
650. Olympiawest Mortgage Group LLC, Vienna, VA.
651. Omni Capital Group LLC, Centennial, CO (Titles 1 & 2).
652. Omni Capital, LLC, Henderson, NV.
653. One Source Federal Credit Union, El Paso, TX.
654. One World Mortgage Corporation, Duluth, GA.
655. Originate Home Loans, Inc., Westmont, IL.
656. Outlook Mortgage LLC, Bellaire, TX.
657. P and C Enterprises of Orlando, Inc., Orlando, FL.
658. P D Q Corp., Morris Plains, NJ.
659. Pacific Shore Funding, Laguna Hills, CA (Titles 1 & 2).
660. Pacific Western Real Estate Services, Inc., Laguna Hills, CA.
661. Pacific Wholesale Mortgage, Inc., Pasadena, CA.
662. Palace Funding Corporation, Frankfort, IL.
663. Pan American Finance Corp., Los Angeles, CA.
664. Paragon Home Lending LLC, Brookfield, WI.
665. Paramount Financial, Inc., Longwood, FL.
666. Park Place Financial LLC, Redmond, WA.
667. Pathway Financial LLC, Southfield, MI.
668. Patriot Mortgage Company, Inc., Altamonte Springs, FL.
669. Peace of Mind Mortgage, LLC, Phoenix, AZ.
670. Peach City Mortgage, Inc., Stockbridge, GA.
671. People's Choice Mortgage and Loan Corp., Deerfield Beach, FL.
672. Peoples Home Mortgage, Inc., Loxahatchee, FL.
673. Performance Mortgage, Inc., Englewood, FL.
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674. Personal Home Mortgage Services, Inc., Crystal City, MO.
675. Pierce Mortage, Inc., Tacoma, WA.
676. Pines Mortgage Services, Inc., Pembroke Pines, FL.
677. Pinnacle Direct Funding Corporation, Orlando, FL.
678. Pinnacle Mortgage Corporation, Tulsa, OK.
679. Pinnacle Premier Home Mortgage LLC, Tucson, AZ.
680. Platinum Brokers, Inc., Lutz, FL.
681. Platinum Capital Group, Irvine, CA.
682. PMA Lending LLC, Woodbridge, NJ.
683. Point Financial, Inc., Brandon, FL.
684. Prajna Group, Inc., Louisville, KY.
685. Preferred Financial Group, Inc., Burlingame, CA.
686. Premier Choice Mortgage LLC, Atlanta, GA.
687. Premier Financial Credit Union, Clinton Township, MI.
688. Premier Financial Network, Inc., Huntington Beach, CA.
689. Premier Home Loans, Stockton, CA.
690. Premier Mortgage Capital, Orlando, FL.
691. Premiere Service Mortgage Corp., West Chester, OH.
692. Premium Mortgage, Inc., Blue Springs, MO.
693. Present Mortgage, Inc., Doral, FL.
694. Prestige Mortgage Group, Inc., Denver, CO.
695. Pride Mortgage LLP, Middletown, RI.
696. Prime Lending Group, Inc., Macon, GA.
697. Primeaxia Financial, Inc., San Antonio, TX.
698. Primekey Mortgage LLC, Baton Rouge, LA.
699. Principal Lending, Inc., West
