Monthly mortgage summary, Mar. 2011

Monthly Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Monthly SumMmoanrtyhlyofSuMmomratrgyaogfeMAocrttgiavgietiAecstifvoitrietshfeorPtehreioPderiEonddEinndginMg aArpcrhil 22000171

Inside this Issue:
Administrative 2 Actions
License Denials 2
Licenses Revoked, 3 Expired, Withdrawn
Fine Information 4
Licenses Approved 4 or Reinstated
Customer Service 10 Stars
Contact Information 11

NMLS Mortgage Call Report
The Nationwide Mortgage Licensing System (NMLS) will soon launch functionality that will enable mortgage licensees to begin to comply with the SAFE Act's Mortgage Call Report requirement. The NMLS Mortgage Call Report will provide state regulators with timely information about their licensees and will provide industry participants with uniform reporting requirements.
Reportedly, the NMLS Mortgage Call Report is targeted to be available in NMLS starting May 2, 2011 for activity and financial information reflective of the first calendar quarter of 2011. Please check the NMLS website for further information as it becomes available.
NMLS functionality will enable companies to submit production and financial information to one or more state regulators on a quarterly basis. In order to meet the SAFE Act requirements most effectively and to ultimately replace state-specific company annual reports, state regulators developed the NMLS Mortgage Call Report to be completed by companies on behalf of their mortgage loan originators.
Companies are encouraged to review the information posted on the NMLS Mortgage Call Report section of the NMLS Resource Center and become familiar with the data that is required to be completed on a quarterly or annual basis. It is important to note that significant changes were made to the requirements of what information will be submitted based on public comments. Frequently Asked Questions and Examples are provided to guide you through which information you will generally be required to submit.

"Safeguarding Georgia's Financial Services"

Page 2

March 2011

ADMINISTRATIVE ACTIONS

Cease and Desist Orders Which Became Final
First Financial of Tennessee Home Loans LLC, Athens, TN - Order to Cease and Desist issued 01/27/2011 became final 03/18/2011.
Lenox Financial Mortgage, LLC dba www.lenoxfinancial.com dba Technology and Workflow Management Corporation, Atlanta, GA - Order to Cease and Desist issued 02/14/2011 became final 03/21/2011.
RCS Recovery Services, LLC, Boca Raton, FL - Order to Cease and Desist issued 01/26/2011 became final 03/16/2011.

Final Consent Orders
Joseph R. Landreau, Snellville, GA (license# 29270) - Consent Order issued 03/21/2011 became final 03/21/2011.
Cheri Lea Rau, Kennesaw, GA (license# 28327) - Consent Order issued 03/07/2011 became final 03/07/2011.

License Denials

MORTGAGE LOAN ORIGINATOR APPLICATIONS DENIED IN MARCH 2011

IDNUM NMLS# CODE NAME 30844 42145 OD Ryan Andrew McFarland 30975 292871 OD Jason W Broomfield 30982 275655 OD Jerime Joe Loyd 31079 312549 OD Michael Patrick Wagner 31095 313301 OD Thomas Kelly Pope 31109 368624 OD Cecil O Curtis Jr. 30773 260184 OD Gabriel Alfonso Correa 31172 237865 OD Gary C. Marma 31221 63907 OD Paul Andrew Walters
TOTAL: 9

CITY Pompano Beach clinton township Lakewood Troy Willoughby Summervile Bronx Bronx KEW GARDEN HILLS

ST DENIED FL 03/02/2011 MI 03/02/2011 OH 03/02/2011 MI 03/02/2011 OH 03/02/2011 SC 03/02/2011 NY 03/15/2011 NY 03/15/2011 NY 03/15/2011

March 2011

Page 3

LICENSEES/REGISTRANTS REVOKED, EXPIRED OR WITHDRAWN IN MARCH 2011

GRMA# NMLS# CODE NAME 24535 211065 OD David Wade Satterfield 25143 172891 OD Bobby W Taylor 26858 149791 OD Timothy Michael Gail 27504 234937 OD Bill J Fisher 28332 34791 OD David Thomas Rines 28913 168542 OD ANGELA MARIE MARTIN 29785 257900 OD Debra L Chandler 17350 180757 BD Star Mark Mortgage and Investments 22092 22427 BD Manhattan Mortgage Corporation 22308 159275 BD Mortgage Services of Georgia Incorporated 26253 273276 OD KARUN JAIN 27431 188438 OD Robert Kelly Nacke 28719 202049 OD Kari N Johnson 18987 171101 LD Advanced Funding Associates, Inc. 25958 46321 OD ROBERT TANCREDI 27412 266564 OD Rogelio A Paniagua 28204 188119 OD Ami Renee Jackson 28211 271140 OD Benton Parker Miller 28911 113667 OD TAMMY JANE KLAPP 27198 211697 OD Lynn Cam Le 26007 6048 OD Lindsay Parrish Moss 26961 218495 OD Matthew Alexander Williams 27533 189385 OD Tyler Edward Johnson 29001 157606 OD HOLLIE KAY WYLLIE 23440 44852 LD Residential Mortgage Center, Inc. 28011 21386 OD Timothy Scott Munsell 24431 216223 OD Joseph Raphael Jimenez 25239 193674 OD Theodore Stanley Hudson II 28346 212861 OD Johnny Laroy Smith 28626 283044 OD Timothy Lloyd Butler 27807 208329 OD Beverley Patricia McKnight 25705 166239 OD jeffrey wayne sawyer 17109 149337 BD Loansquick Mortgage LLC 13779 103455 BD First Southern Guarantee Financial Corporation 29988 21066 OD Christopher Hamilton Behrns 26273 166304 OD Diane J Mansolillo 27390 270226 OD Brenda M Harden

CITY

ST REVOKED EXPIRED WITHDRAWN

Savannah

GA 03/11/2011

Warner Robins GA 03/11/2011

Brunswick

GA 03/11/2011

Jonesboro

GA 03/11/2011

Jacksonville FL 03/11/2011

Nashville

TN 03/11/2011

Overland Park KS 03/11/2011

ATHENS

GA 03/24/2011

BRANDON

FL 03/24/2011

HUDSON

FL 03/24/2011

DULUTH

GA 03/24/2011

Decatur

GA 03/24/2011

Loganville

GA 03/24/2011

ATLANTA

GA 03/30/2011

Cumming

GA

03/11/2011

Dalton

GA

03/11/2011

Charlotte

NC

03/11/2011

Duluth

GA

03/11/2011

eldersburg MD

03/11/2011

Duluth

GA

03/17/2011

Acworth

GA

03/02/2011

Valdosta

GA

03/02/2011

Marietta

GA

03/02/2011

South Jordan UT

03/02/2011

CHARLOTTE NC

03/03/2011

Jacksonville FL

03/04/2011

Bufurd

GA

03/11/2011

Macon

GA

03/11/2011

Conyers

GA

03/11/2011

Decatur

GA

03/11/2011

Auburn

GA

03/18/2011

macon

GA

03/21/2011

SUWANEE

GA

03/28/2011

MACON

GA

03/29/2011

Canton

MI

03/29/2011

Suwanee

GA

03/31/2011

Clyo

GA

03/31/2011

TOTAL: 37

OFFICE CLOSING
This is a reminder that the Department will be closed on Monday, April 25th for Confederate Memorial Day.

Page 4
Fine Information

March 2011

Information regarding fines assessed against a specific licensee for which there is no pending administrative action, is available on an individual licensee basis by submitting a written request to the following e-mail address: dbfmort@dbf.state.ga.us

1 Licensee fined for Books & Records 1 Licensee fined for Advertising Violations 2 Licensees fined for Prohibited Acts 30 Licensees fined for Failure to pay GRMA Fees

FINE REASON
1 Licensee fined for Failure to Perform Background Checks 1 Licensee fined for Change in Management 1 Licensee fined for Doing Business w/ Unlicensed Entity

MORTGAGE BROKER, LENDER AND PROCESSOR LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 14467 172752 B Jones & Veal Mobile Homes, Inc. 13147 161894 B Linda W. Womac 31568 3117 L City First Mortgage Services L.L.C. 31569 398513 B Winston Albert Brown 31580 363232 B Pheobe Maria Brown 30447 332032 L Cantaro Secured Opportunities Fund, LLC 31567 13999 B United Southwest Mortgage Corporation, Inc 31285 4474 L Lend Smart Mortgage, LLC 31581 89599 L Southwest Stage Funding, LLC 31653 46375 L CalCon Mutual Mortgage Corporation

CITY Waycross Athens Bountiful Columbus Savannah Austin GARDEN GROVE MAPLE GROVE MESA SAN DIEGO

ORIGINAL ST APPROVAL REINSTATED GA 03/12/1999 03/11/2011 TN 01/23/1998 03/25/2011 UT 03/04/2011 GA 03/11/2011 GA 03/11/2011 TX 03/18/2011 CA 03/25/2011 MN 03/25/2011 AZ 03/25/2011 CA 03/25/2011

TOTAL: 10

March 2011

Page 5

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 30538 170766 O Douglas Edward Grammer 30657 86697 O James Carder Dransfield 30889 260224 O Caitlin Elizabeth Boutin 30967 324052 O Danny Ray O'Neal II 31074 312569 O David Adam Granaas 31088 76002 O CAROL BRISTOW 31181 102715 O Bart Watkins Schow 31359 146066 O Scott Anothony Jiovanazzo 31444 395520 O William Froggett 31451 198422 O Daniel McCarthy 31480 386605 O Kurt Jonathan Olson 31485 351292 O Nawal Zayed 31519 339721 O Ciara Snow Mendez 31552 30523 O Benjamin David Veresh 31561 375767 O Luke John Morris 31565 395286 O Jedidiah Sherman Steward 31570 376847 O Aaron Michael Arndt 31572 376091 O Lisa Maria James 31588 3610 O Iqbal Hamiduzzaman 31592 9842 O Anthony Michael Riess 31597 18174 O Brandon Major Johnson 31599 373534 O Perry Ross Karen 31617 47047 O Papa Seyni Dieng 31623 344876 O Sharelle Killian McCullough 31629 372706 O Michael Robert Costello 31631 375824 O Thomas William Maddison 31632 197905 O Traci Lyn Ramanathan 31638 32677 O Jeremy Edward Sopko 31640 348575 O Daniel James White 31650 376360 O Michael Anthony Yori 31659 324846 O Allan Poe Belmonte Beraquit 31665 389385 O Jason Michael Jones 31666 373915 O Craig Michael Noakes 31667 25153 O Karen Priscilla Phifer 31669 386106 O Gentri Smith Wilbanks 31670 345098 O Robert Paul Williams 31671 359696 O Lynel Renee Adams 31674 85268 O Shane Travis Kerr 31677 376852 O Christopher Patrick Morrison 31678 195811 O John Vega 31680 372556 O Michael Stephen Botelho 31682 396798 O Gregory Lee Dawkins 31683 73526 O Dylan Paul Evans 31684 347344 O Gregory Howard Galloway

CITY

ST

Rock Spring

GA

Mobile

AL

Tempe

AZ

Toledo

OH

hamtramck

MI

Delran

NJ

Meridian

ID

Amherst

OH

Louisville

KY

Willoughby Hills

OH

Sugar Hill

GA

Wayne

MI

New Castle

DE

Canton

MI

Scottsdale

AZ

Dallas

TX

Louisville

KY

Chesterfield Township MI

Walnut

CA

MOUNT LAUREL

NJ

Jacksonville

FL

Cherry Hill

NJ

Sterling

VA

Jacksonville

FL

Bellmawr

NJ

Jacksonville

FL

Peachtree City

GA

Avon

OH

Jacksonville

FL

Livonia

MI

Cape Coral

FL

Cleveland

TN

Indianapolis

IN

Hanover

MA

Homer

GA

Fishers

IN

Flowery Branch

GA

Medina

OH

Scottsburg

IN

Hawthorne

NJ

Cranston

RI

Marietta

GA

Powell

OH

Long Beach

CA

ORIGINAL APPROVAL 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011 03/04/2011

REINSTATED

Page 6

March 2011

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 31685 387876 O Robert E Garrison Mr 31707 389244 O Barbara D Roberts 28327 221732 O Cheri Lea Rau 25694 192645 O laneika s miller 25818 150723 O Adriene M. North 26700 252623 O Nicholas C Bennett 27006 16493 O Michael Paul Brownlee 27788 273546 O Derry B Grier 31039 3682 O Robert Glenn Miller 31263 244393 O Brian P Parker 31265 389904 O David Richard Reno Westmoreland 31333 264849 O malik gaulani 31472 198562 O Ibrahim Salamey 31554 224263 O WINSTON ALBERT BROWN 31563 178862 O ANGELA MARIE SHERLIN MRS. 31575 374221 O John Eric Munn 31577 395778 O Zachary Austin Rand 31583 247086 O PHEOBE MARIA BROWN 31593 332306 O Joseph Mc Ree Tanner 31595 392438 O Aisha Evans 31596 314962 O Erica Nichole Hand 31603 372718 O Brian Anthony Lodato 31604 375836 O Jeremy Adam Martin 31609 225965 O Michael oren Wootten 31611 373689 O Brian Randall Bailey 31636 38109 O Keyan Tramane Scott 31637 181495 O Takahiro Carl Settles 31643 102018 O Jason Paul Grimes 31668 206324 O John Taylor West 31688 376682 O Laura Caroline Millard 31689 170125 O Ondrea George Smiley 31690 140356 O Troy Jonathon Thieneman 31693 293521 O James David Farro 31695 150323 O Sean Craig Hanzelik 31698 385465 O Daniel Thomas Trotter 31699 389329 O Justin Kyle Vanleuven-Rush 31704 385491 O Lesa Marie Jester 31713 370306 O Michael Todd Everette 31715 321795 O Amanda Ross Gray 31716 204732 O Hollie J Hanson 31717 339348 O Kurt Arthur Megert 31718 312190 O Sean Michael Nixon 31721 385393 O Mark Allen Wible 31722 262491 O Bridget Morgan Andrassy

CITY Jasper Marietta Kennesaw Savannah Carrollton Roswell Medford St Mountain Cortlandt Manor Denver Huntington Beach Griffin Livonia Columbus Cleveland Frisco Fairburn Savanah Boca Raton Drexel Hill Tampa Cinnaminson Jacksonville Fayetteville Orem irvine Mission Viejo Fort Mill Powder Springs Peachtree City Ellabell Louisville Lakewood Harrison Cleveland carmel Irving Bethlehem La Jolla Hogansville La Mesa Castle Rock Farmington Hills Cleveland

ORIGINAL ST APPROVAL REINSTATED GA 03/04/2011 GA 03/04/2011 GA 03/07/2011 GA 03/11/2011 GA 03/11/2011 GA 03/11/2011 NJ 03/11/2011 GA 03/11/2011 NY 03/11/2011 CO 03/11/2011 CA 03/11/2011 GA 03/11/2011 MI 03/11/2011 GA 03/11/2011 TN 03/11/2011 TX 03/11/2011 GA 03/11/2011 GA 03/11/2011 FL 03/11/2011 PA 03/11/2011 FL 03/11/2011 NJ 03/11/2011 FL 03/11/2011 GA 03/11/2011 UT 03/11/2011 CA 03/11/2011 CA 03/11/2011 SC 03/11/2011 GA 03/11/2011 GA 03/11/2011 GA 03/11/2011 KY 03/11/2011 OH 03/11/2011 TN 03/11/2011 OH 03/11/2011 IN 03/11/2011 TX 03/11/2011 GA 03/11/2011 CA 03/11/2011 GA 03/11/2011 CA 03/11/2011 CO 03/11/2011 MI 03/11/2011 OH 03/11/2011

March 2011

Page 7

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 31725 30750 O Tanner J Hamilton 31726 372710 O James Benidict Kennealy Jr. 31727 395500 O Michelle ChaeKyong Lee-Kim 31728 150225 O Christopher Paul Pannier 31730 362512 O Lori Lynn Taylor 31733 397756 O RAE ANN BOSWELL 31734 154863 O John Riley Rickert 31736 148042 O David M Baron 31737 385795 O Christopher Charlebois Denis 31738 385797 O Christopher Joseph Elya 31740 330711 O Andrew Wayne Hammond 31746 399631 O Leslie Earl Wise Jr. 31749 294342 O Anthony Cerminara 31750 320765 O Johann David Gacharna-Marroquin 31755 33563 O Jennifer Rogers Philpott 31757 181870 O Linda Amelia Zagiel 31820 174911 O dae il yi 25402 63163 O David Anthony Long 28476 276180 O Carol Ann Reinhardt 29895 249003 O William Asa Hach 30031 43161 O Brian Pientowski 30858 50701 O Doundley Alexander Edwards 31297 380873 O Brian Spencer Hartley 31303 195341 O Carlos Tyrone Bryson 31335 32211 O David Bolton 31404 376116 O Charles Alexander Fuller Robertson 31421 375878 O Gillard Ryan Lehman 31445 373535 O Scott Sullivan Bankhead 31547 211074 O Roy Edward Lewis Jr. 31594 193065 O Sue Ann Burchett 31600 372713 O Walter Randolph LaMar III 31608 17499 O Vincent Perri Smith 31618 99107 O Arik James Purpura 31642 353428 O Deverse Cham Jr. 31673 371547 O Richard Eugene Harris Mr 31681 366190 O John Barnet Burde 31696 32944 O Erin Sepeda 31719 12134 O David P Pickering 31723 392843 O Salvatore Joseph Arcuri 31739 197139 O JOSHUA SAMUEL FENSTER 31744 393889 O Shanna Marie Sweeney 31754 96136 O JASON HEATH OZMENT 31762 392816 O Carol Louise Marquis 31764 384033 O James Thomas Moore

CITY Detroit Mount Laurel Cumming Littleton McCordsville Atlanta louisville North Wales Clarkston Sterling Heights Atlanta Monroe HORSHAM Atlanta Mount Laurel Pennsburg Duluth Newnan Channahon Acworth Westland Bronx Atlanta Rock Hill W. Bloomfield Southfield Brook Park Dallas marysville Louisville Laverock Louisville Charlotte Nashville Lithonia Cranston Louisville Medina Taylor BOYNTON BEACH louisville Addison Medina El Dorado Hills

ORIGINAL ST APPROVAL REINSTATED MI 03/11/2011 NJ 03/11/2011 GA 03/11/2011 CO 03/11/2011 IN 03/11/2011 GA 03/11/2011 KY 03/11/2011 PA 03/11/2011 MI 03/11/2011 MI 03/11/2011 GA 03/11/2011 GA 03/11/2011 PA 03/11/2011 GA 03/11/2011 NJ 03/11/2011 PA 03/11/2011 GA 03/11/2011 GA 03/18/2011 IL 03/18/2011 GA 03/18/2011 MI 03/18/2011 NY 03/18/2011 GA 03/18/2011 SC 03/18/2011 MI 03/18/2011 MI 03/18/2011 OH 03/18/2011 TX 03/18/2011 IN 03/18/2011 KY 03/18/2011 PA 03/18/2011 KY 03/18/2011 NC 03/18/2011 NC 03/18/2011 GA 03/18/2011 RI 03/18/2011 OH 03/18/2011 OH 03/18/2011 MI 03/18/2011 FL 03/18/2011 KY 03/18/2011 TX 03/18/2011 OH 03/18/2011 CA 03/18/2011

Page 8

March 2011

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 31775 377851 O Daniel Blindu 31776 395622 O Hiram Speer Burdette IV 31777 49915 O Joshua Lee Havner 31778 395595 O Sean T Hiorns 31779 392962 O Jeffrey Wilson Hollis 31780 392859 O Quinton Ray Lemond 31787 392793 O Aaron Norman Adamkiewicz 31788 369983 O Marc Philip Almeida 31790 210071 O Christopher John Kemmy 31791 338465 O David William Klaus 31793 392803 O Bruce Harold Snell 31794 371133 O Darryl Raoul Suggs 31796 392810 O Johnny Omar Colquitt 31797 381449 O Thomas William Cook 31798 223212 O Barbara K Delbridge 31800 225854 O John R Fortener 31802 403538 O Henry Todd Littlejohn 31808 293519 O Justin J Boseman 31810 401828 O Kyle Stewart Farmer 31814 401869 O Cristobal Lopez Jr 28122 237569 O Michael W Wills 24460 76356 O Jason Lewis Butler 25596 150725 O Tricia Lynn Griffin 25623 150761 O Roosevelt A. Whitney Jr 25917 150714 O Tammy Renee Easlic 26137 249234 O Katherine Elaine Babb 26629 162107 O Kevin Gilmore 27813 225959 O Victor Nassar 29061 157971 O Kelcey S Lingo 30403 182019 O Aaron Jon Shaw 30509 28115 O Nicole Marie Work 30721 211166 O Reed George Chesworth 31085 249203 O Karthik Kumar 31186 379963 O Jeffrey Alan Bayer 31281 170462 O David Sheehan 31350 292821 O Matthew Joseph Bednorek 31381 255240 O PERLA KARINA WRIGHT 31429 375897 O Kimberly Jean Shymske 31476 27501 O Robert Aikens 31537 14040 O Michael Gregory Branson 31574 376099 O Matthew Stephen Mastracci 31586 392447 O Kristen Louise DeSena 31630 51779 O Joshua Kirk Erskine 31633 300197 O Craig Robert Rojek

CITY

ST

Farmington Hills

MI

Atlanta

GA

San Clemente

CA

Jacksonville

FL

McDonough

GA

Warren

MI

Dearborn Heights

MI

North Kingstown

RI

Chicago

IL

Westland

MI

Canton

MI

Marietta

GA

Cleveland Heights

OH

Plano

TX

Canton

GA

FAYETTEVILLE

GA

Woodstock

GA

Twinsburg

OH

Silver Spring

MD

Kyle

TX

Atlanta

GA

Rock Hill

SC

Waycross

GA

Statesboro

GA

Brunswick

GA

Lafayette

GA

Winder

GA

Atlanta

GA

Atlanta

GA

Farmington Hills

MI

Royal Oak

MI

Ladera Ranch

CA

Loveland

OH

Suwanee

GA

Winston

GA

Canton

MI

GARDEN GORVE

CA

Brunswick

OH

Canton

MI

Villa Park

CA

Auburn Hills

MI

Philadelphia

PA

San Diego

CA

Danbury

CT

ORIGINAL APPROVAL 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/18/2011 03/22/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011 03/25/2011

REINSTATED

March 2011

Page 9

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN MARCH 2011

IDNUM NMLS# CODE NAME 31691 188068 O Robert Bruce Van Wagner 31724 372972 O Dennis Lee Fisher 31741 378035 O Kathleen R Morales 31742 19082 O Christopher Arthur Squires 31792 252954 O Robert Gary Morway 31795 350972 O Troy Wesley Williams 31799 371430 O Vickie Norman Fausett 31801 375830 O Johnetta Lewis 31803 362479 O Jami Lynn Miller 31804 362453 O Christine Marie Ramirez 31812 392798 O Rachel Suzanne Howell 31815 109561 O Erin Emmerson Morris 31816 172703 O Christopher Douglas Phelan 31817 373083 O Scott Andrew Stevens 31823 393363 O Kurt Joseph Schweinsberg 31825 380442 O Christopher Keith Wright 31828 392794 O Daniel Andrew Alvarado 31829 193445 O Michael C Bankowski 31830 416543 O Stacy Kathryn Barawed 31831 389622 O David Lawrence Bardwell 31832 347860 O Anthony D Carrossellia 31833 372704 O Michele Coppola 31836 392837 O Terrence Richard Ferrante 31837 87589 O Kyle Glenn 31838 392797 O Michael James Glunt 31840 393004 O Maggie Catherine Layton 31841 73774 O Johnny Rivera Jr 31843 393045 O Danny Stephen Smith 31844 389351 O Robert John Soto 31848 390033 O David Jon Berkley 31850 372914 O Catherine Tonnette Cooper 31857 46814 O Janet Linda Hoskins 31859 12820 O Sean Joseph McKeon 31864 278148 O David Michael Almazan 31865 397933 O Jason F Cecco 31866 35214 O Mark Andrew Cooley 31868 376017 O Steven Allen Furdock 31869 351815 O Sean Griffith Kenny 31870 342014 O Christopher Jordan Visich 31874 155111 O Kimberly Williams Otey 31912 215664 O David Michael Boyd 31915 71438 O Stephen Alexander Rybak 31916 79706 O Andrea Louise Werner 31917 370937 O Kenneth Duncan Adcox II 31919 283376 O Kenneth Russell Dobbs 31920 293457 O Steven Michael Hartmann 31989 348096 O Stephen Daniel Adam Goss

CITY Englewood Buena Park Suwanee Louisville Buford Ypsilanti Moultrie Jacksonville Pendleton Fishers Farmington Hills Elkridge Raleigh New Bedford Richardson Somerset Dearborn Parma Elk Grove CHERRY HILL Strongsville Westmont Phoenix Cleveland Canton Township Jacksonville Lorain Fort Worth Ladera Ranch Middleburg Euless Westminster Mount Laurel La Palma Whippany Dallas Birmingham New City Parsippany Charleston St Augustine New York Brecksville Augusta Laguna Niguel Saint Louis Wenonah

ORIGINAL ST APPROVAL REINSTATED TN 03/25/2011 CA 03/25/2011 GA 03/25/2011 KY 03/25/2011 GA 03/25/2011 MI 03/25/2011 GA 03/25/2011 FL 03/25/2011 IN 03/25/2011 IN 03/25/2011 MI 03/25/2011 MD 03/25/2011 NC 03/25/2011 MA 03/25/2011 TX 03/25/2011 MA 03/25/2011 MI 03/25/2011 OH 03/25/2011 CA 03/25/2011 NJ 03/25/2011 OH 03/25/2011 NJ 03/25/2011 AZ 03/25/2011 OH 03/25/2011 MI 03/25/2011 FL 03/25/2011 OH 03/25/2011 TX 03/25/2011 CA 03/25/2011 FL 03/25/2011 TX 03/25/2011 MD 03/25/2011 NJ 03/25/2011 CA 03/25/2011 NJ 03/25/2011 GA 03/25/2011 MI 03/25/2011 NY 03/25/2011 NJ 03/25/2011 SC 03/25/2011 FL 03/25/2011 NY 03/25/2011 OH 03/25/2011 GA 03/25/2011 CA 03/25/2011 MO 03/25/2011 NJ 03/25/2011

TOTAL: 223

Page 10

March 2011

CUSTOMER SERVICE STARS FOR THE MONTH OF AUGUST

It is the Department's goal to provide excellent customer service by meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individuals for going above and beyond in serving our customers:
Senior Mortgage Examiner Bob Bauguss The Department received comments from a customer stating: "So many times people don't get the acknowledgement for a job well done. I just wanted to take a minute and let you know how extremely helpful Bob Bauguss was in helping me understand my mortgage licensing process. This entire process has been overwhelming to me and Bob helped me to understand what was needed from me to finalize my license. In this ever changing mortgage world it is nice to know that there is still someone out there to help guide us and help us to be compliant to continue doing the job we love to do. I feel like so many times people don't want to take time out of their busy schedules to help and Bob answered ALL of my questions and was extremely knowledgeable and set my mind at ease. The Department of Banking and Finance is lucky to have such a great employee and a representation of your organization."
Supervisory Manager Larry Shelley and Applications Analyst Irene Harper (Mortgage Licensing) The Department received comments from a customer stating: "I just wanted to reach out and say thank you for our recent branch approval. We really appreciate the time and effort made both on your part and that of Irene Harper. Irene is always a true pleasure to speak to and we can't say enough about how wonderful she is to work with."
Senior NDFI Division Attorney Helen O'Leary The Department received comments from several different customers regarding Helen stating: "Thanks Helen, for a lot....You make a difference." and "Helen you have been helpful and understanding during this process." and "You are a great asset to the Department."

CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STARS!!

March 2011
Georgia Department of Banking and Finance
2990 Brandywine Road Suite 200
Atlanta, Georgia 30341-5565
Phone: (770) 986-1269 Fax: (770) 986-1029 or 1655
Email: dbfmort@dbf.state.ga.us
We're on the Web! dbf.georgia.gov

Page 11
The Department is the state agency that regulates and examines banks, credit unions, and trust companies chartered by the State. The Department also has regulatory and/or
licensing authority over mortgage brokers/processors, lenders and loan originators, money service businesses, international banking organizations, and bank holding compa-
nies conducting business in Georgia.
Our MISSION is to promote safe, sound, competitive financial services in Georgia through innovative, responsive regulation and supervision.
Our VISION is to be the best financial services industry regulator in the country Progressive. Proactive. Service-Oriented.

Sign-up to Receive this Publication
This publication is delivered to interested parties via email and is also available from the Department's website at: http://dbf.georgia.gov under Publications, Mortgage Summary.
If you would like to be added to our distribution list, please send an e-mail to dbfpress@dbf.state.ga.us and indicate your name, e-mail address, and the publication to which you wish to subscribe.