Monthly Summary of Mortgage Activities Georgia Department of Banking and Finance 2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565 FOR THE PERIOD ENDING JULY 2004 SUMMARY OF ACTIVITIES - MORTGAGE DIVISION WEB SITE: www.state.ga.us/dbf --------------------------------------------------------------------------------------------------------------------------------------- NEWS ITEMS MANUFACTURED HOME DEALER GUIDELINES The Department has simplified the guidelines for determining when a manufactured home dealer must have a mortgage broker or lender license in an effort to prevent future inadvertent violations of the licensing requirements of the Georgia Residential Mortgage Act. In essence, manufactured home dealers are not required to have a license if they are only providing customers a mortgage loan application. However, if the manufactured home dealer performs duties beyond this such as (1) assisting the customer in the completion of the application, (2) mailing or delivering the application to the lender on the customer's behalf, (3) receiving compensation for loan referrals, or (4) performing any other duties that are defined as being a Mortgage Broker or Lender under 7-1-1000 (11) and (12), then a mortgage broker or lender license is required. WEB SITES As reported last month, licensees must register their website domain names with the Department as a d/b/a name if it is different than the name(s) licensed/registered with the Department. A website name is a d/b/a name and as such must be registered with the Department pursuant to the requirements of O.C.G.A Section 7-1-1006 (d) which states that "No licensee may conduct business under any name other than that designated in the license." In order to have it designated, the name must be registered. This registration is to assist the consumer in identifying licensed entities, further protect the consumer from dealing with unlicensed entities and, in addition, to also assist the Department in verifying licensed entities with those persons who, in the course of their dealings with a licensee, need to verify names with the Department. Further, "advertisement" as defined in Department Regulation 80-11-1-.02 (f) means material used or intended to be used to induce the public to apply for a mortgage loan. Web Sites are considered advertisements, and must contain the name(s), license number, and an office address which conforms with the name, license number, and office address on record with the Department. Web sites must also contain the words "Georgia Residential Mortgage Licensee" or list Georgia as a state in the which the licensee is licensed to do business if the licensee is licensed in more than one state. The web site may not use a name for the licensee which has not been approved as a "d/b/a" name for that licensee. Please note: Since domain names do not contain spaces, it is understood that the licensee name "Your Best Mortgage" will be "yourbestmortgage.com (net, etc.) on the web. A domain name such as this does not have to be registered as a d/b/a name. However, "ybm.com", "yourbest.net", "bestmortgage.com", and similar variations on the licensed name would require registration. FY2004 PROPOSED REGULATION CHANGES AFFECTING THE MORTGAGE INDUSTRY Pursuant to the provisions of the Georgia Administrative Procedures Act, Official Code of Georgia Annotated (O.C.G.A.) Chapter 50-13 and by authority of O.C.G.A. 7-1-61, O.C.G.A. 7-1-663; O.C.G.A. 7-1-1012, and other cited statutes, the Georgia Department of Banking and Finance has given notice of its intent to adopt new and amended rules. Please visit the Department's website at http://www.ganet.org/dbf/docs/ProposedRegsAll792004.doc to see a copy of the proposed changes. The proposed changes are in part responsive to law changes in the Department's Housekeeping Bill, Senate Bill 405, which was signed by the Governor on May 13, 2004, and effective on July 1, 2004. A synopsis and purpose precedes each proposed rule, with background information and explanation where applicable. Comments to the Department of Banking and Finance must be received by August 23, 2004, at the close of business. Please send all comments to: David G. Sorrell, Commissioner Georgia Department of Banking and Finance 2990 Brandywine Road, Suite 200 Atlanta, GA 30341-5565 Fax: (770) 986-1654 or 1655 The Department shall review all comments, may contact those providing comments to discuss their suggestions, and after the comment period has closed, will prepare the final rule. The Department will consider the proposed new rules for adoption at a meeting at 10:00 a.m. on Monday, August 30, 2004 at the offices of the Department of Banking and Finance, 2990 Brandywine Road, Suite 200, Atlanta, Georgia 30341. Notice and a copy of the final rules adopted will be e-mailed to persons who have made a special request, and will be made available on our website at www/ganet.org/dbf/. Other interested parties may receive a copy of the final rule by contacting the Department at (770) 986-1633, after August 30, 2004. OTHER REGULATORY ISSUES BRANCH INFORMATION Licensee and Registrant additional offices (branches) are now listed on the Department's web site. After conducting an online search at http://www.ganet.org/dbf/mortgage.html, select "Approved Branch Offices" for a list of that licensee's/registrant's approved offices. Should you find any information that needs updating, please contact the Department at (770) 986-1136. $6.50 PER LOAN FEES On-Line Option "Per loan" fees for the first half of 2004 are now due, and beginning with this reporting period those owing the fees will have the option of on-line ACH payment. The Department has developed an on-line ACH payment system and beginning with the fees for January 1, 2004 to June 30, 2004 period, (which are due by September 1, 2004), it is requested that those owing the fee pay by this new method. Although credit card payments are not yet available, we hope to offer that option in the near future. Licensees can submit fees on-line at the website https://bkgfin.dbf.state.ga.us/ach650fees.html and follow the on-screen instructions. We encourage you to take advantage of this on-line system. Hopefully you will find the site easy to use. Any comments and suggestions about the new process can be e-mailed to the Department at dbfmort@dbf.state.ga.us. REAL ESTATE BROKERS AND UNLAWFUL RESIDENTIAL MORTGAGE ACTIVITIES Although a real estate broker may refer consumers to a mortgage broker or mortgage lender, Georgia law prohibits a real estate broker from accepting any fee or compensation in any form whatsoever for directly or indirectly negotiating, placing, or finding a mortgage for a Georgia consumer. O.C.G.A. 7-1-1001 (4). In order for a real estate broker to receive compensation legally for such services, that real estate broker must first obtain a mortgage broker or mortgage lender license or demonstrate that he, she, or it is exempt from GRMA's licensing requirements. Compensating a real estate broker for such services will subject a Georgia licensed mortgage broker or mortgage lender to revocation procedures as such conduct constitutesengaging in residential mortgage activities with an unlicensed person. O.C.G.A. 7-1-1002. VERIFYING LICENSED ENTITIES Rule 80-11-4-.05 of the Mortgage Division Rules states, in part, that it is the licensee's responsibility to "know" that it is conducting business with a licensed entity. You run the risk of conducting business with an unlicensed entity if you do not verify the license. The fine for "dealing with unlicensed persons" under Rule 80-11-3-.01 (4) is $1,000 per transaction and your license shall be subject to suspension or revocation. Anyone who purchases, sells, places for processing or transfers a mortgage loan or loan application to or from a person who is required to be licensed but is not properly licensed will be fined. You can check the license status of any licensee by going to the Department's web site at http://www.ganet.org/dbf/mortgage.html. From there you can check by entering the licensee's name, license number, or city, or leave the selection box blank and you will get a complete listing of licensees. There is also an option to download the entire list into an Excel spreadsheet. CEASE AND DESIST ORDERS - Issued Advantage Plus Mortgage Corp. Augusta, GA (license no. 15433) - Cease and Desist Order issued June 30, 2004 and became final on July 21, 2004. Burden, Lavonne (Independent Mortgage), Atlanta, GA - Cease and Desist Order issued June 30, 2004 and became final July 31, 2004. CMA, LLC, Covington, Covington, GA - Cease and Desist Order issued June 30, 2004 and became final July 31, 2004. C R Mortgage Solutions, Inc., Atlanta, GA (license no. 16744) - Cease and Desist Order issued June 30, 2004 and became final on July 21, 2004. Dacosta, J.C. (CMA, LLC) (Independent Mortgage), Atlanta, GA - Cease and Desist Order issued June 30, 2004 and became final on July 31, 2004. Drennon, Linda aka Linda Drennon-Tolbert, Stone Mountain, GA - Cease and Desist Order issued June 16, 2004 and became final on July 17, 2004. Federated Financial Group, Inc., Atlanta, GA (license no. 12048) - Cease and Desist Order issued June 30, 2004 and became final on July 21, 2004. Flores, Martha, Conley, GA - Cease and Desist Order issued June 3, 2004 and became final on July 4, 2004. Independent Mortgage, Atlanta, GA - Cease and Desist Order issued June 30, 2004 and became final on July 31, 2004. The Money Source, Inc. dba The Executives, Augusta, GA (license no. 13845) - Cease and Desist Order issued June 30, 2004 and became final on July 21, 2004. Thomas, Cheryl dba The Loan Locator Group, Atlanta, GA (license no. 14403) - Cease and Desist Order issued June 14, 2004 and became final on July 1, 2004. Tidewater Mortgage Services, Inc., St. Simons Island, GA (license no. 15868) - Cease and Desist Order issued June 14, 2004 and became final on July 1, 2004. VM Mortgage, Inc., Ellenwood, Ga (license no. 16933) - Cease and Desist Order issued July 6, 2004 and became final July 31, 2004. Cease and Desist Orders - lifted Archie, Tony, Smallville, GA - Cease and Desist Order issued July 12, 2004 was LIFTED on July 16, 2004. Final Consent Orders None FINES ASSESSED IN JULY 2004 ID# ISSUE DATE FINE PAID DATE COMPANY NAME CITY ST 5819 07/21/2004 $500. First Choice Mortgage, Inc. Augusta GA 5819 07/21/2004 $500. First Choice Mortgage, Inc. Augusta GA 5827 07/09/2004 $1000. First Bankers Mortgage Corporation Columbus GA 5827 07/09/2004 $500. First Bankers Mortgage Corporation Columbus GA 6199 07/01/2004 $1000. Invest America Mortgage Corp. Atlanta GA 6199 07/01/2004 $2000. Invest America Mortgage Corp. Atlanta GA 6199 07/01/2004 $500. Invest America Mortgage Corp. Atlanta GA 6199 07/01/2004 $500. Invest America Mortgage Corp. Atlanta GA 6199 07/01/2004 $1000. Invest America Mortgage Corp. Atlanta GA 6320 07/21/2004 $500. Hilton Mortgage Corporation II Columbus GA 6320 07/21/2004 $500. Hilton Mortgage Corporation II Columbus GA 11435 07/13/2004 $1000. First Mortgage Corporation Diamond Bar CA 11585 07/13/2004 $1000. 08/02/2004 Centex Home Equity Company, LLC Dallas TX 11813 07/13/2004 $1000. World Finance Corporation of Georgia Marietta GA 13572 07/15/2004 $1000. AmeriSouth Mortgage Company Charlotte NC 13776 07/01/2004 $1000. Southern Lenders Mortgage Corporation Fairburn GA 13776 07/01/2004 $1000. Southern Lenders Mortgage Corporation Fairburn GA 13776 07/01/2004 $1000. Southern Lenders Mortgage Corporation Fairburn GA 13776 07/01/2004 $1000. Southern Lenders Mortgage Corporation Fairburn GA 13776 07/01/2004 $1500. Southern Lenders Mortgage Corporation Fairburn GA 14725 07/13/2004 $1000. 07/16/2004 East West Mortgage Company, Inc. McLean VA 14750 07/07/2004 $3000. Standard Mortgage Corporation (a Louisiana Atlanta GA 15110 07/13/2004 $1000. 07/21/2004 Liberty Mortgage Corporation Birmingham AL 16778 07/13/2004 $1000. 07/26/2004 Nomura Credit & Capital, Inc. New York NY 17117 07/13/2004 $1000. 07/19/2004 Amerisave Mortgage Corporation Atlanta GA 17931 07/13/2004 $1000. 07/28/2004 BSM Financial, LP Addison TX FINES ASSESSED IN JULY 2004 ID# ISSUE DATE FINE PAID DATE COMPANY NAME CITY ST 17976 07/22/2004 $3000. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $1000. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $1000. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $500. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $500. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $15000. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $1000. Platinum Plus Financial Services, Inc. Atlanta GA 17976 07/22/2004 $500. Platinum Plus Financial Services, Inc. Atlanta GA 18255 07/21/2004 $1000. Global Home Loans & Finance, Inc. Melville NY 18255 07/21/2004 $500. Global Home Loans & Finance, Inc. Melville NY 18255 07/21/2004 $500. Global Home Loans & Finance, Inc. Melville NY 18255 07/21/2004 $500. Global Home Loans & Finance, Inc. Melville NY 2 Licensees fined for Prohobited Acts 1 Licensee fined for 1099 employees 6 Licensees fined for Books & Records 5 Licensees fined for Unapproved Branch 3 Licensees fined for loans filed not properly maintained FINE REASON 5 Licensees fined for Unapproved Branch Managers 1 Licensee fined for Renewal filed late 1 Licensee fined for Miscellaneous other 8 Licensees fined for Audit filed late 4 Licensees fined for Advertising Violations 2 Licensees fined for GAFLA violations LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN JULY 2004 ID# COMPANY NAME 6733 19394 19424 19451 19456 19458 19464 19468 19470 19471 19474 19476 19478 19480 19481 19482 WMC Mortgage Corp. # NA Nationwide Mortgage Allstate Home Loans, Inc. Guaranteed Acceptance Coastal Mortgage Group Families First Choice Mortgage, Virgil William Wilson Top Flite Financial, Inc. American Home Equity Eagle Home Loans, Inc. NT Mortgage, LLC Joel Keith Barker Schwanda Jackson Southern Mortgage, Inc. Georgia Premier Mortgage, LLC Barbara Knox CITY WOODLAND HILLS MISSION VIEJO IRVINE ROSWELL SMYRNA MCDONOUGH MARIETTA WILLIAMSTON IRVINE LAWRENCEVILLE BOYNTON BEACH MARIETTA HAMPTON HOMERVILLE CANTON DECATUR ST MB CODE CA R CA L CA L GA B GA B GA B GA B MI B CA L GA B FL B GA B GA B GA B GA B GA B ORIGINAL APPROVAL 11/26/1993 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 RENEWAL 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 07/02/2004 REINSTATED LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN JULY 2004 ID# COMPANY NAME CITY ST MB CODE 19101 19388 19448 Foundation Finl Grp, LLC * Pinnacle Mortgage, Inc. DeepGreen Financial, Inc. ATLANTA EAST HANOVER SEVEN HILLS GA L NJ L OH L 19463 19477 18822 19326 VNI, Inc. A-Z Financial, LLC Lending Street Mtg, LLC * Windwood Mortgage Services, PINELLAS PARK ALPHARETTA CARTERSVILLE CUMMING FL B GA B GA L GA B 19439 19440 19455 19459 Teal E. Jaa GMC Lending & Mortgage OmniSource Mortgage, Inc. Lending Atlanta, Inc. ELLENWOOD GA B FORT LAUDERDALE FL L CUMMING GA B KENNESAW GA B 19493 19564 19343 19399 Homebridge Financial Group, Inc. The Anh Mortgage Group, LLC Windstar Financial Services, L.P. Residential Finance Corporation BUFORD NORCROSS EDISON COLUMBUS GA B GA B NJ B OH L 19403 19483 19494 19264 The Mortgage Funding Group, Kimberly Ann Plese Independence Mortgage Warner Financial, Inc. ALPHARETTA MARIETTA DACULA NOBLESVILLE GA B GA B GA B IN B 19325 19454 19500 19503 Rariro Mortgage, LLC Zarina Lynette Mullen Informed Mortgage, Inc. Joseph William Abraham ALPHARETTA DULUTH CANTON VILLA RICA GA B GA B GA B GA B 19504 19505 19506 19508 19510 Marion Douglas Tindall Mark Howard McGinnis George Alan Parker Mortgage Administration ECC Capital Corporation MARIETTA CARTERSVILLE MACON ATLANTA IRVINE GA B GA B GA B GA L CA L 19513 19514 19515 16021 Monique Berry Evans Benjamin Canedo Griffin Unlimited, LLC Home Consultants, Inc. GRAYSON CALHOUN SMYRNA LAKE ARIEL GA B GA B GA B PA L 13042 United Financial Mortgage Corp. 18918 Timothy O. McCalep OAK BROOK DECATUR IL L GA B ORIGINAL APPROVAL 01/23/2004 07/09/2004 07/09/2004 07/09/2004 07/09/2004 11/07/2003 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/23/2004 07/23/2004 07/23/2004 07/23/2004 07/23/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 08/04/2000 12/19/1997 12/05/2003 RENEWAL 07/09/2004 07/09/2004 07/09/2004 07/09/2004 07/09/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/16/2004 07/23/2004 07/23/2004 07/23/2004 07/23/2004 07/23/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/30/2004 07/16/2004 07/30/2004 07/30/2004 REINSTATED 07/16/2004 07/30/2004 07/30/2004 TOTAL: 50 B = BROKER L = LENDER R = REGISTRANT * Upgrade Broker to Lender + Downgrade Lender to Broker # Upgrade Lender to Registrant Downgrade Registrant to LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 5608 5638 NAME SUN AMERICA MTG CORP HOME LOAN CTR INC CODE LD BD REVOKED EXPIRED 07/01/2004 07/01/2004 SUSPENDED WITHDRAWN DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 5711 5725 5736 5741 5849 6027 6057 6220 6245 6327 6476 6516 6637 6638 6639 6670 6867 7022 7033 7053 7111 7134 7165 7168 7240 7334 7430 7504 7511 11437 11529 11708 11770 11831 11925 12048 12159 12166 12201 12297 12314 12316 12423 12602 12719 12752 12770 12807 12810 12942 NAME ARLINGTON MTG INC MTG UNDERWRITERS INC AMERICAS MTG INC STONE MT MTG INC GOFF/COLEY ENT INC INTERSTATE FINL SYS LAKESIDE MTG BROKERS INC RELOCATION FINL SVCS INC CITIFINL MTG CO INC CORNERSTONE MTG CORP METWEST MTG SVCS INC CREATIVE HM FUNDING INC WACHOVIA SBA LENDING INC HOMEQ SVCG CORP WACHOVIA COMM MTG PRINCIPAL RES MTG INC HOMEQUEST MTG SVCS EXPRESS FINDING INC MTG CONNECTION LLC APPALACHIAN MTG ASSOC RESOLUTION MTG SVCS INC WORLD MTG INC SAV GRP LP CHILDERS, BETTY H OAKWOOD ACCEPTANCE COOSA VALLEY HOUSING GISONDO ROY A PREMIUM ONE MTG POOL DEPOT INC BYRDS MOBILE HM SALES EASCO INC EQUIFIRST CORP OMEGA HMS INC MELVIN WILLIAMS PEACH STATE FINL GRP FEDERATED FINL GRP INC GEORGE FRYE & CO INC TRI STATE FUNDING GRP INC OCONEE FINL SVCS MONEY-LINE MTG SVCS INC HAMILTON FINL SVCS CONSOLIDATED MTG CO INC HARDY, MARILYN W PRICE, KEVIN DAVID INTL REALTY GRP INC WORLD WIDE CREDIT CORP MONEY TREE MTG INC SYLVANIA MANUFACTURED GHS MTG LLC DUBONE, LEOLA A CODE LD BD BD BD BD BD BD LD LD BD LD BD RD RD RD LD BD LD BD BD BD BD BD BD LD BD BD BD BD BD BD RD BD BD BD BD BD BD BD BD LD BD BD BD BD LD LD BD LD BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/21/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 WITHDRAWN 07/02/2004 07/01/2004 07/01/2004 DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 12956 12960 13119 13286 13326 13356 13398 13498 13538 13551 13590 13597 13634 13678 13708 13716 13783 13786 13795 13825 13845 14024 14062 14069 14118 14131 14377 14380 14401 14456 14462 14468 14484 14551 14598 14618 14669 14702 14723 14797 14817 14841 14885 14923 14943 14946 14947 15016 15169 15221 NAME CODE QUESTSTAR MTG INC BD STRATEGIC CAP GRP LL BD DAVIS, DEBRA BD MATHIS, CHERYL B BD AMER MTG INV CORP BD BURTON & BURTON MTG INC BD PSB LENDING CORP LD MCCLOUD, FRANK D BD ALTERNATIVE MTG LLC BD MOODY, KATHY L BD PROGRESSIVE HM MTG BD MATKINS, DWIGHT M BD LOVELACE, KENNETH D BD BLS FUNDING GA CORP BD SMITH, JAMES W BD WOODLY, DONNELL BD DOWELL, ANDY L BD RAGIN, OSCAR T BD GOLDEN 1ST MTG CORP LD CMTY HM LENDERS INC BD MONEY SOURCE INC BD PARK PLACE MTG INC BD DAVIS, JOHN L BD AIKEN, LINDA F BD EMERALD RES MTG INC BD ORTIZ, VIVIAN R BD MCKENZIE, CHARLES L BD BENTON, ELMON JR BD ALLEN BARNES CORP BD WILLIAMS, TODD BD GOOD CENTS MTG INC BD NEW MILLENIUM MTG INC BD 1ST TR MTG CO RD DREAM HMS USA INC BD SANFORD, GORDON S BD MCGAHEE, SUSAN M BD COLLINS, BRENDA S BD SHERROD, CHARLES M BD BENTON, KEITH M BD ALPHA HMS INC BD NATIONWIDE FUNDING GRP LT LD BURCHFIELD, RONALD E BD ACCESSIBLE HM EQUITY BD JOHNSON, CLARENCE JR BD NEW HEIGHTS CAP LLC BD PHILLIPS, KEVIN A BD HOWE, JOHN R BD SEALS, VICKIE C BD HARBOUR POINT FUNDING INC BD ROSS INDUSTRIES INC BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED WITHDRAWN DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 15275 15310 15314 15327 15328 15355 15369 15393 15394 15433 15458 15481 15541 15557 15570 15586 15641 15644 15652 15702 15724 15763 15774 15777 15802 15816 15817 15830 15833 15842 15862 15868 15891 15896 15906 15912 15919 15921 15922 15956 15962 15964 15966 16032 16035 16058 16068 16101 16175 16200 NAME MERTEN, CARMEN P 21ST CENTURY MTG INV PANTER, ANGELA R DONALDSON, TREMELIA L JORDAN, MICHAEL S WEBB, JAMES E INVESTORS AMER INC YATES INS & RE INC BOSTON SAFE DEPOSIT & ADVANTAGE PLUS MTG A&J MTG CORP DIXIE HMCRAFTERS FIGDORE, JEANNE M MTG RESOURCE SVSC INC KELLY, THOMAS D JOHNSON, CHARLES F UNIVERSAL HM MTG INC BOARDWALK MTG INC PEOPLES CHOICE HM IRONS, DOUGLAS SMITH, MARCIA T PRINL RES MTG CAP RESRS WARE, JAWAHN E FLORENCE, CHARLIE L LINCOLN MTG CORP HUFF, HERBERT W MCDONALD, VADEN A POWERS, BOBBY K DUREN, DEANN L ROBERTS, HOWARD D SR EMENEKER, RON TIDEWATER MTG SVCS INC BRIGHT, MOSES L JR TULL MTG LLC PETTY, TIMOTHY O GUERRERO, STACY WALKER, DOUGLAS K VANHOOZER, ERNEST S KRAMER, CYNTHIA C KEATON, LARRY JOE GEORGE, THOMAS A SR LEARY, LALISA GRACE, DONALD J TAYLOR, JOEY J 1ST REPUBLIC MTG INC PRINCIPAL RES MTG FUNDING UDHWANI, MOHANSINGH G CLOVERLEAF HOUSING INC LEXIE MTG INC 1STSOURCE MTG CORP INC CODE BD BD BD BD BD BD BD BD RD BD BD BD BD LD BD BD BD BD LD BD BD LD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD LD LD BD BD BD BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 WITHDRAWN 07/07/2004 07/01/2004 07/01/2004 DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 16302 16334 16370 16387 16566 16602 16669 16691 16712 16715 16740 16744 16792 16796 16799 16800 16805 16818 16819 16826 16855 16882 16889 16890 16933 16937 16941 16944 16988 16989 16991 16996 16997 17019 17039 17070 17131 17180 17187 17225 17254 17265 17274 17280 17282 17295 17304 17329 17362 17375 NAME BOSTON FINL INC HOMEPLACE MTG SVCS LLC OPTIMUM MTG GRP LLC TEAM ONE MTG INC HUGHES, JEFF L LIBERTY MTG INC CARTER & CARTER SVCS INC BRENNER MTG CORP STADEN DEREK CLASSIC LENDING LLC HOLMES, WILFRED CR MTG SOLUTIONS INC LAURA A GRIFT EDWARDS KEVIN M MTG RESOURCES AMER LLC FARNHAM, RICHARD A HOME CAP PLUS INC BOWMAN, JUDY LYNN GUNBY, JAMES L 1ST FINL SVCS INC FARNHAM, CYNTHIA ANNE PRIORITY MTG & FINL BENTON, CHRISTINE LOAN CORRESPONDENTS INC VM MTG INC GRAMERCY FUNDING LLC COLLINS, CHRIS L ACCESS AMERICA INC 1ST DECISION MTG INC TALL OAKS HM CALHOUN MCDORMAN, PATRICIA L DENT, CYNTHIA HOGAN PILGRIM, RONALD WILLIAM CVJ SVCS INC JUPITER MTG CORP GA LENDING INC JONES, ANQUANITA BUTTON, SHERYL L FREEDOM EQUITY LLC MORRISON, WARREN R TRISTAR MTG SVCS INC WESTERN CAP FIN LLC 1ST SOURCE FINL USA INC RICH, LEMUEL F HODGES, RYAN N PATHFINDER FINL SVCS INC CARSON, STANLEY EMIL A MTG SOLUTION INC TURNBULL, DONALD G WILLIS, ANGELA CODE BD LD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD LD BD BD BD BD BD BD BD BD BD BD LD BD BD BD BD BD BD LD BD BD BD BD BD BD BD BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/21/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/31/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED WITHDRAWN DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 17382 17384 17393 17416 17445 17454 17463 17464 17466 17495 17504 17505 17537 17565 17578 17613 17619 17669 17720 17728 17743 17762 17785 17790 17799 17802 17805 17806 17810 17846 17847 17867 17879 17947 17948 17965 17972 17986 18029 18044 18069 18070 18071 18085 18087 18095 18146 18180 18181 18309 NAME CODE TRAHAN, SHERRY YVONNE BD PRIMESTAR MTG CO INC BD KNOX, VIRGIL W SR BD BOGGS, KIMBERLY BD 1ST ATLANTIC MTG SVCS INC BD S CO FINL SVCS LLC BD CAP DIVERSIFIED INV LLC BD STEWARD FINL INC LD HOLCOMBE, BRIAN KEITH BD DIVERSIFIED MTG INC LD HARMON, DAWN R BD GANDHI, GUNJANKUMAR C BD COMPLETE MTG FUNDING LLC BD HESTER, CORY ORSEN BD KNIGHT, JEANNE W BD LEPPO, WALTER ROBERT BD HITS FINLS INC BD MOORE, HERMAN A BD FOUR STAR MTG LP BD TAYLOR, TRAVIS W BD GLADNEY, JUDY T BD MASSEY, LOYD G JR BD GRIGGS, MELINDA KAY BD NATIONS INV INC BD OAKES, KAREN B BD ROBINSON, DONALD W JR BD TIMMS, WILLIAM DOUGLAS BD GRIGGS, DAVID F BD DELAZA PROFESSIONAL BD DEHART, PAULETTE B BD TAURUS MTG GRP INC BD STUDLE, SANDY L BD CHURCHILL FINL INC LD CASH, JAMES S BD ENREAL LENDING INC BD MURILLO, GIOVANNI BD CU CONSULTANTS INC BD GRACEY, BURIECE A BD SPECIALITY MTG OPPORTUNIT BD GHS HMS INC BD MCDOUGAL, LILLIE K BD MTG GRP USA INC LD ANDINA FINL SVCS INC BD CHONG, PHAYLY BD MORTGAGELOANZCOM INC BD ARGO MTG & INV INC LD BARR, JAY BD FORKEY, RONALD EUGENE JR BD PEACH ONE MTG INC BD POWELL, SARA KATHRYN BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 WITHDRAWN 07/17/2004 DENIED LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN JULY 2004 ID# 18353 18373 18406 18408 18417 18438 18449 18576 18582 18606 18653 18654 18691 18703 18763 18778 18800 18801 18803 18811 18814 18820 18872 18894 18899 18990 19016 19074 19109 19116 NAME DANIELY, HUBERT JR SMITH, BEVERLY JEANNE HOMECORE MTG CORP INC STEWART, LISA CHEATHAM, PAUL W SENSIBLE MTG SOLUTIONS ZSEMBREY, ROBERT M WADDELL, III, RICHARD SPE WEAVER, LUKE P NIEDERQUELL, ELAINE ANNE GHA-NI MTG BROKERS GOLDEN AGE ADVISORS LLC SHELTON, PAUL E JR WIGGINS, GARY LORENZA SOUTHPOINT MTG CORP GUIN & COATS PROCESSING HARTNESS, TRACY JO BANERJEE, MARIE CARR QUINN, ANTHONY L ALLEN, PETER J COLLINS, ANGELYNE STRIGLE, MONICA MARY SMITH, SHARRON S ASKEW, KENNETH R DAVIS, KAREN LYNN COLLATERAL ONE MTG CORP FAMILY DREAMS MTG INC ENCORE MTG INC RAGSDALE, TRAVIS MURIEL TYDEN MTG LLC CODE BD BD BD BD BD BD BD BD BD BD BD BD BD BD BD PD BD BD BD PD BD BD BD BD BD LD BD BD BD BD REVOKED EXPIRED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 SUSPENDED 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 07/01/2004 WITHDRAWN 07/16/2004 07/01/2004 DENIED TOTAL: 282