Mortgagee Review Board: Administrative Actions, 43537-43551 [2010-18156]

Download as PDF 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. jlentini on DSKJ8SOYB1PROD with NOTICES SUMMARY: VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 43537 PO 00000 Frm 00053 Fmt 4703 Sfmt 4703 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 E:\FR\FM\26JYN1.SGM 26JYN1 43538 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices $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. jlentini on DSKJ8SOYB1PROD with NOTICES 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 VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. PO 00000 Frm 00054 Fmt 4703 Sfmt 4703 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 E:\FR\FM\26JYN1.SGM 26JYN1 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. jlentini on DSKJ8SOYB1PROD with NOTICES 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 VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. PO 00000 Frm 00055 Fmt 4703 Sfmt 4703 43539 (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. E:\FR\FM\26JYN1.SGM 26JYN1 43540 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. jlentini on DSKJ8SOYB1PROD with NOTICES 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 VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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 PO 00000 Frm 00056 Fmt 4703 Sfmt 4703 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 E:\FR\FM\26JYN1.SGM 26JYN1 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices (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. jlentini on DSKJ8SOYB1PROD with NOTICES 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 VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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 PO 00000 Frm 00057 Fmt 4703 Sfmt 4703 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES 43542 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. PO 00000 Frm 00058 Fmt 4703 Sfmt 4703 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. PO 00000 Frm 00059 Fmt 4703 Sfmt 4703 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES 43544 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. PO 00000 Frm 00060 Fmt 4703 Sfmt 4703 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES 43546 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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 Frm 00063 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES 43548 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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. E:\FR\FM\26JYN1.SGM 26JYN1 43550 Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices jlentini on DSKJ8SOYB1PROD with NOTICES 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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 Frm 00066 Fmt 4703 Sfmt 4703 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. E:\FR\FM\26JYN1.SGM 26JYN1 jlentini on DSKJ8SOYB1PROD with NOTICES Federal Register / Vol. 75, No. 142 / Monday, July 26, 2010 / Notices 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. VerDate Mar<15>2010 16:04 Jul 23, 2010 Jkt 220001 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 Frm 00067 Fmt 4703 Sfmt 4703 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: http://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: http://www.blm.gov/az/st/ en/prog/energy/wind/mohave.html; • E-mail: KFO_WindEnergy@blm.gov; • Fax: (928) 718–3761; or SUMMARY: E:\FR\FM\26JYN1.SGM 26JYN1

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]


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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.

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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.
    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.

[[Page 43544]]

    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