Monthly mortgage summary, Oct. 2012

Monthly
Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Monthly SummMaornytholyf SMuomrmtagraygoef AMcotritvgaitgieeAscftoivrittiehsefoPretrhieodPeErinodd iEnngdiOngctAopbriel r20200712

Inside this Issue:
2013 License / 2 Registration
Renewal Timeline
(continued)
Continuing 3 Education Requirements for 2013 License
Renewal
Mortgage Call 4 Report Reminder
2013 State Holiday 5
Administrative 6 Actions
Fine Information 7
Licenses Revoked, 7 Withdrawn or Expired
Licenses Approved 8 or Reinstated
Contact 12 Information

2013 License / Registration Renewal Timeline for Mortgage Lenders, Mortgage Brokers and Mortgage Loan Originators
Beginning November 1, 2012, through December 1, 2012, mortgage lenders, mortgage brokers, and mortgage loan originators seeking to renew their licenses/registrations for calendar year 2013 must do so by making applications on the NMLSR. To do so, an applicant must update his/her/its MU documents on the NMLSR to reflect any changes in responses previously provided and pay the requisite renewal fee. Licensed mortgage brokers and mortgage loan originators also must be able to demonstrate that 8 hours of continuing education were acquired in the appropriate course work during January 1, 2012, through October 31, 2012.
Any licensed mortgage broker or mortgage loan originator that makes a timely application for renewal but obtains the requisite continuing education hours on November 1, 2012, through December 1, 2012, also must pay late continuing education fees to the Department.
A mortgage license/registration that is not renewed by December 1, 2012, may be considered for late renewal from December 2, 2012, through December 31, 2012, if a proper application is made through the NMLSR. This includes paying late fees to both the Department and the NMLSR, as well as a renewal fee; updating one's MU documents on the NMLSR, and, for licensed mortgage brokers and mortgage loan originators, demonstrating compliance with continuing education requirements.
In addition to the foregoing, any licensed mortgage broker or mortgage loan originator renewing during this late period that did not obtain the proper number and type of continuing education hours between January 1, 2012, and October 31, 2012, also must pay late fees to the Department for continuing education hours obtained on November 1, 2012, through December 31, 2012.
THERE WILL BE NO LICENSE/REGISTRATION REINSTATEMENT PERIOD AFTER DECEMBER 31, 2012.

(Continued on page 2)

"Safeguarding Georgia's Financial Services"

Page 2

October 2012

2013 License / Registration Renewal Timeline for Mortgage Lenders, Mortgage Brokers and Mortgage Loan Originators
(Continued from page 1)
If a mortgage license/registration is not renewed by December 31, 2012, it will expire by operation of law effective January 1, 2013. Should this occur, a mortgage loan originator with an expired Georgia license may not engage in any mortgage loan originator activities unless and until such time as a new application for licensure is made and granted by the Department. Similarly, a mortgage broker or mortgage lender with an expired license/registration may not conduct licensed mortgage activity--nor may any of the mortgage loan originators employed by them do so on their behalf--unless and until such time as the mortgage broker or mortgage lender again becomes properly licensed/registered.
If any mortgage licensee/registrant has questions about the timelines in place for renewal applications, please send them to the Department by e-mail to renewal@dbf.state.ga.us.
ADDITIONAL REMINDERS:
E-mail Addresses - Licensees must keep their e-mail addresses updated on the NMLSR at all times -- MU1 filings for companies and MU4 filings for individuals. Essentially all communication from our Department is through e-mail. If your e-mail address is not correct in the NMLSR, you may miss valuable information that could adversely affect your license. Please ensure that your e-mail properties are set to always allow delivery of email from the Department. The Department is not responsible for any missed communications if your e-mail address is not correct or if you have set our e-mail addresses to go to junk/spam or trash.
Sponsorship Mortgage loan originators who submit a renewal but do not have a current sponsor will not have their renewal application approved. Mortgage loan originators must have a sponsor to be in an approved status.

COMMONLY USED ACRONYMS
CE -- Continuing Education Department -- Georgia Department of Banking and Finance GRMA -- Georgia Residential Mortgage Act MLO -- Mortgage Loan Originator NMLS or NMLSR -- Nationwide Mortgage Licensing System & Registry

October 2012

Page 3

Continuing Education Requirements for 2013 License Renewal: Reminder to Mortgage Loan Originators and Mortgage Brokers / Processors
On or before October 31, 2012, mortgage brokers / processors must obtain 8 hours of continuing education (CE) to renew their licenses for 2013. Please refer to the article on the Department's website at http:// dbf.georgia.gov/continuing-education-requirements-2013-mortgage-loan-originator-and-mortgage-brokerlicense-renewals or the Department's August 2012 Monthly Mortgage Summary for further details.
Mortgage Loan Originators
Georgia-licensed MLOs DO NOT need to report their 2012 CE courses directly to the Department. The NMLSR now has the capability of generating a report that will allow the Department to verify compliance with Georgia-specific CE requirements. No separate reporting to the Department is required.
Mortgage Brokers and Processors
Georgia licensed or registered mortgage brokers and processors will need to report their CE courses to the Department since this information is not captured in the NMLSR. The Department is utilizing a web-based survey to capture CE course information for mortgage brokers / processors.
Q. I am a Georgia-licensed mortgage broker or processor. What information will I need to have on hand to complete the Department's new CE Questionnaire survey?
A. The Department's method of capturing CE courses for mortgage brokers and processors via a web -based survey DOES NOT utilize a login process; however, the survey link is unique to the broker licensee and should not be forwarded to multiple people for completion. If a Georgia mortgage broker/processor has not yet received an e-mail with the survey link, he/she should be sure to check their spam/junk folder. The information is sent from the survey tool and comes from: survey-noreply@bounce.research.net on behalf of renewal@dbf.state.ga.us via research.net
A mortgage broker or processor will be asked for his/her Georgia GRMA License#, as well as his/ her NMLS#, as part of the survey process. In addition, a mortgage broker or processor who also holds a MLO license will be asked for the Georgia GRMA License# and NMLS# associated with the MLO license. If the Georgia-licensed mortgage broker / processor also holds a Georgia MLO license, data entry of CE course information will not be required as part of the survey process.
If the Georgia-licensed mortgage broker / processor IS NOT also licensed as a MLO with the Department, he/she will be prompted to enter his/her individual CE courses completed during 2012. Capturing individual course information will allow the Department to verify that the minimum eight (8) total hours of CE have been completed and that the courses are in the appropriate areas as required by Department regulations.

Page 4

October 2012

Continuing Education Requirements for 2013 License Renewal: Reminder to Mortgage Loan Originators and Mortgage Brokers / Processors
Q. I am a Georgia-licensed mortgage broker or processor. What if I do not receive the e-mail containing the link to the Department's CE Questionnaire survey?
A. As noted on Page 3, an e-mail was sent to the broker/processor licensee's primary e-mail contact with a link to the survey. Because the survey link is unique to each licensee, it is critical that licensees keep their e-mail addresses updated on the NMLSR at all times. Essentially all communication from our Department is through e-mail. If your e-mail address is not correct in the NMLSR, you may miss valuable information that could adversely affect your license.

Mortgage Call Report Reminder
This is a reminder that the Mortgage Call Report ("MCR") required by O.C.G.A. Section 7-1-1004.1 is due within 45 days of the end of every calendar quarter. Third quarter data (July 1 September 30, 2012) must be filed through the NMLSR by November 14, 2012.
Companies that fail to file quarterly MCRs prior to the deadline will be assessed a fine and may subject their Georgia license to revocation. Any outstanding fines owed to the Department must be paid through its secure website at: https://bkgfin.dbf.state.ga.us/MortgageDocs/MtgFinePay.html.
For more information about the requirements surrounding the MCR, please refer to the NMLSR website at: http:// mortgage.nationwidelicensingsystem.org/slr/common/mcr/Pages/default.aspx

Quarters

Time Period

MCR Deadline

Quarterly Due Dates for the Residential Mortgage Loan Activity (RMLA) component of the MCR (Due within 45 days of the end of every calendar quarter):

Q1

(January 1 March 31)

May 15

Q2

(April 1 June 30)

August 14

Q3

(July 1 September 30)

November 14

Q4

(October 1 December 31)

February 14

October 2012

Page 5

2013 State Holidays

In accordance with O.C.G.A. 1-4-1, Governor Nathan Deal proclaimed the following dates in 2013 as public and legal state holidays when the Capitol and all State agencies will be closed:

Holiday Name
New Years Day 2013 Robert E. Lee's Birthday
Martin Luther King Jr.'s Birthday Washington's Birthday
Confederate Memorial Day Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day
Christmas Day

Date Observed
January 1st Tuesday January 19th Saturday Will be observed on Friday, November 29th January 21st Monday
February 18th - Monday Will be observed on Tuesday, December 24th
April 22nd Monday
May 27th Monday
July 4th Thursday
September 2nd Monday October 14th Monday November 11th Monday
November 28th Thursday Lee's Birthday will be observed on Friday, November 29th
December 25th Wednesday Washington's Birthday will be observed on Tuesday, December 24th

UPCOMING 2012 HOLIDAY CLOSINGS
This is a reminder that the Department will be closed on Monday, November 12th for Veterans' Day,
Thursday, November 22nd for Thanksgiving Day, and Friday, November 23rd in observance of Robert E. Lee's Birthday.

Page 6

October 2012

ADMINISTRATIVE ACTIONS
Consent Orders Which Became Final
Davis Kevin Bassil, Alpharetta, GA (license# 27087) - Consent Order issued 10/04/2012 became final
10/04/2012.
Daniel Milstein, Ann Arbor, MI (license# 29667) - Consent Order issued 10/15/2012 became final
10/15/2012.
Gold Star Mortgage Financial Group, Corporation, Ann Arbor, MI (license# 22328) - Consent Order
issued 10/15/2012 became final 10/15/2012

Cease and Desist Orders Which Became Final
CAPLAW, P.A. dba Law Offices of James F. Caplan, North Palm Beach, FL - Order to Cease and Desist
issued 09/20/2012 became final 10/23/2012.
Divine Direction Consulting, Inc., Atlanta, GA - Order to Cease and Desist issued 09/20/2012 became
final 10/30/2012.
Hayes, Charlotte, Atlanta, GA - Order to Cease and Desist issued 09/20/2012 became final 10/30/2012.
Latinamerica Solutions, LLC, Lawrenceville, GA - Order to Cease and Desist issued 09/25/2012 became
final 10/26/2012.
Minh Hai Financial Services, Inc., Norcross, GA - Order to Cease and Desist issued 08/29/2012 became
final 10/02/2012.
Minh Hieu d/b/a AZ Debt - Settlements & Financial Services, Norcross, GA - Order to Cease and Desist
issued 09/10/2012 became final 10/11/2012.
Roundleaf Atlanta, Norcross, GA - Order to Cease and Desist issued 08/29/2012 became final
10/02/2012.
SC Law Group, P.C. dba Loss Mitigation Administrative Office, Irvine, CA - Order to Cease and Desist
issued 09/25/2012 became final 10/30/2012.
Suarino Law, P.C., Norcross, GA - Order to Cease and Desist issued 09/27/2012 became final
10/31/2012.
Universal Finance, Inc. dba The Home Rescue Firm, Costa Mesa, CA - Order to Cease and Desist
issued 09/25/2012 became final 10/26/2012.

October 2012

Mortgage Loan Originator License Denials

IDNUM NMLS# NAME 35274 248983 Ma hew Rodriguez

CITY La Porte

Page 7
ST DENIED TX 10/12/2012

Fine Information

FINE REASON AND COUNT

1 Fine for Acquisition of 25% ownership w/o approval 3 Fines for an Doing Business with an Unlicensed Entity 59 Fines for Mortgage Call Report Filed Late in NMLS

3 Fines for Failure to Perform Background Check 3 Fines for Advertising

MORTGAGE BROKER AND LENDER LICENSEES / REGISTRANTS REVOKED OR WITHDRAWN IN OCTOBER 2012

GRMA# NMLS# CODE NAME

20512 144369 BD Crystal Clear Mortgage Brokers, LLC

14483 181405 LD One World Mortgage Corporation

22467 3781

BD Regal Lending Group, Inc.

22902 43091

LD MFC Mortgage, Inc. of Florida

24091 151261 BD C4D Mortgage Company LLC

32315 121398 LD LCS Servicing, LLC

22328 3446

LD Gold Star Mortgage Financial Group, Corp.

23037 63483

LD CB Financial (Inc.)(IL)

6320 165977 BD Hilton Mortgage Corporation II

12126 9073

LD MVB Mortgage Corporation

CITY
Fayetteville Duluth Davie Maitland Harrison Twp Centennial Ann Arbor Chicago Columbus Southfield

ST REVOKED WITHDRAWN

GA 10/03/2012

GA 10/04/2012

FL 10/15/2012

FL

10/04/2012

MI

10/11/2012

CO

10/18/2012

MI

10/19/2012

IL

10/24/2012

GA

10/26/2012

MI

10/26/2012

TOTAL: 10

Page 8

October 2012

MORTGAGE LOAN ORIGINATOR LICENSEES REVOKED OR WITHDRAWN IN OCTOBER 2012

GRMA# NMLS# 27871 276560 34058 428509 26512 209453 33079 775353 30739 29966 30829 367979 24540 72169 32401 217138 29667 21083 25369 161995 26724 195839 26774 93260 30681 367031 31187 12824 30455 177525 24687 205903 30161 319376

CODE NAME OD Priscille Achille OD Toyo Chen OD Angela Vila Smedley OD Kimberly Nicole Ford OD Michelle Bridgette Damanskas OD Travis Lee Higgs OD Liliana E. Sluk OD Michael Patrick Shaver OD Daniel Milstein OD Bradley Shane Bixler OD Kelston La Jarrette Williams OD Mario Ernesto Cerrato OD Dianne Rhondel Cutter OD Amanda Dawn Dumont OD David Duffy OD Michael Robert Naudin OD Stephanie Ann Dupre

CITY Atlanta IRVINE Flowery Branch Northville Troy Helotes La Crescenta Jenks Ann Arbor Richmond Hill Grayson Pembroke Pines Cumming Gregory Mt. Laurel Rancho Cucamonga Douglasville

ST REVOKED WITHDRAWN

GA

10/04/2012

CA

10/04/2012

GA

10/05/2012

MI

10/05/2012

MI

10/11/2012

TX

10/15/2012

CA

10/16/2012

OK

10/16/2012

MI

10/19/2012

GA

10/24/2012

GA

10/24/2012

FL

10/24/2012

GA

10/24/2012

MI

10/24/2012

NJ

10/29/2012

CA

10/31/2012

GA

10/31/2012

TOTAL: 17

MORTGAGE BROKERS, LENDERS, PROCESSORS AND REGISTRANTS APPROVED OR REINSTATED IN OCTOBER 2012

GRMA# NMLS# CODE NAME

12825 148044 B Vivian's Mobile Homes, Inc.

11406 69519

L Mountain Lakes Mortgage *

22766 148073

L Southern Capital Mortgage Group, LLC *

35608 184302 B Direct Home Loans, LLC

35424 149532

L Member First Mortgage, LLC

35609 963104

L EGS Mortgage Services, Inc.

35721 133056

L LenderFi, Inc.

CITY
BALDWIN Hiawassee Cumming charlotte Grand Rapids Plano Valencia

TOTAL: 7

ORIGINAL ST APPROVAL REINSTATED
GA 09/05/1997 10/12/2012 GA 02/02/1996 GA 08/31/2007 NC 10/05/2012 MI 10/05/2012 TX 10/19/2012 CA 10/19/2012

October 2012

Page 9

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN OCTOBER 2012

GRMA# NMLS# 27349 164631 31160 166660 35437 208114 35544 945835 35576 891736 35588 757415 35596 862246 35619 7131 35642 32031 35670 911572 35680 879973 35693 658972 35704 941504 35715 679602 35718 955811 35719 20123 35724 904131 35729 805939 35732 943937 35738 861702 35739 904397 35740 28091 35742 938363 35744 591359 35745 902398 35753 111333 35755 382114 35759 102682 35760 263750 35762 954775 35765 201875 35772 602863 35773 938435 35790 29937 35792 370214 27930 217349 35545 79528 35614 296972 35630 364180 35640 947219 35658 899352 35659 824368 35682 939614 35685 347295 35716 961529 35725 172959

CODE NAME O C. Steve Ash O Anthony Lukashevich, Jr O Lewis Joseph Smalligan O Randy Matthew Harrison O Patricia James O Andrew John Gorsche O Christie Margaret Kendall O Ryan Sung Goo O Bryan James Dale O Susan Penelope Fair O Jamie Renee McGee O Anne W. Negrin O Donna M. McNamara-Clemons O Timothy Richard Hett O Janet Nell Rhodes O Brian Michael Wolnik O Annette Bui O John Robert Hortie O Jon Kason Hunt O Felipe DeJesus Delgadillo Avila O Amanda Lee Bastin O Zoran Bogojevski O Kevin Patrick Kujawa O Laura A. Millard O Bruce Thomas Olsen O Sean M. Clark O Chadd Stephen Kull O Michael David Eller O Stacy Jill Mizzell O Katherine Marie Nickerson O Chris Allen Ward O Cheryl A. Strother O Andrew George Venettis O Noah John Weiss O Carlos Javier Zambrano O Carol Lee Crisp O David A. Hartman O Damien Russell O Scott Andrew Tripp O Thomas Lee Schabel, III O Joshua Timothy Ryan O Jeffrey C. Wilson O Samuel Colton Sloan O Cynthia Anderson O Bryan Kenneth Luedtke O Ammon Jay Carlson

ORIGINAL

CITY

ST APPROVAL REINSTATED

Mount Airy

GA 07/16/2010 10/12/2012

Alpharetta

GA 10/05/2012

Grand Rapids

MI 10/05/2012

Alpharetta

GA 10/05/2012

Denver

CO 10/05/2012

Ankeny

IA 10/05/2012

Aliso Viejo

CA 10/05/2012

Phoenix

AZ 10/05/2012

Draper

UT 10/05/2012

Athens

GA 10/05/2012

Concord

NC 10/05/2012

McDonough

GA 10/05/2012

Atlanta

GA 10/05/2012

Powder Springs GA 10/05/2012

Lafayette

GA 10/05/2012

Huntley

IL 10/05/2012

Newport Beach CA 10/05/2012

New Windsor

MD 10/05/2012

The Colony

TX 10/05/2012

Berea

OH 10/05/2012

Louisville

KY 10/05/2012

macomb

MI 10/05/2012

Dearborn Heights MI 10/05/2012

Chesterfield

MI 10/05/2012

Riga

MI 10/05/2012

Middletown

NJ 10/05/2012

Irvine

CA 10/05/2012

Charlotte

NC 10/05/2012

Travelers Rest

SC 10/05/2012

Rocklin

CA 10/05/2012

HIRAM

GA 10/05/2012

Lawrenceville

GA 10/05/2012

Sterling Heights MI 10/05/2012

Rochester Hills MI 10/05/2012

MIAMI

FL 10/05/2012

Chattanooga

TN 10/12/2012

Cary

NC 10/12/2012

ATLANTA

GA 10/12/2012

Plantation

FL 10/12/2012

Greenwood

IN 10/12/2012

Sacramento

CA 10/12/2012

Newport Beach CA 10/12/2012

Jacksonville

FL 10/12/2012

Hazel Crest

IL 10/12/2012

Charlotte

NC 10/12/2012

Sandy

UT 10/12/2012

Page 10

October 2012

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN OCTOBER 2012

GRMA# NMLS# 35727 587704 35746 31741 35761 312184 35768 953516 35769 503571 35770 881190 35776 963074 35778 713733 35780 965419 35782 27481 35783 953143 35785 938903 35786 861245 35788 926711 35789 899351 35791 30413 35795 340797 35797 397642 35798 73381 35799 8587 35800 395221 35801 951309 35802 945316 35803 952998 35804 72106 35805 871683 35815 938385 32565 186852 34711 832540 35552 31048 35622 29834 35677 834419 35699 954102 35735 134332 35758 923581 35775 930789 35777 961159 35806 938400 35807 168299 35810 838731 35812 30990 35813 938383 35816 944431 35817 861280 35822 944541 35823 922374

ORIGINAL

CODE NAME

CITY

ST APPROVAL REINSTATED

O Nicholas Emanuel Georgilas Frederick

MD 10/12/2012

O Michael Paul Urias

Royal Oak

MI 10/12/2012

O Robert Jaise Ross

Marlton

NJ 10/12/2012

O Patricia Charles

Alpharetta

GA 10/12/2012

O Robert D.Joseph Luckman Addison

IL 10/12/2012

O Steven Joseph Peterson

Carol Stream

IL 10/12/2012

O Scott Charles Cleaver

Huntersville

NC 10/12/2012

O Brent Andrew Fincham

Windham

OH 10/12/2012

O Julie Marie King

Suwanee

GA 10/12/2012

O Lisa Louise Luplow

Royal Oak

MI 10/12/2012

O Raheem Larry Manning

Atlanta

GA 10/12/2012

O Kelly Marie Mullin

North Olmsted

OH 10/12/2012

O Jordan Elliott Reeser

Royal Oak

MI 10/12/2012

O Hussam Nabil Sabbagh

Dearborn Heights

MI 10/12/2012

O Kim Leslie Stetson

Sacramento

CA 10/12/2012

O Brent Michael Wilson

Commerce Township MI 10/12/2012

O Kippen Robert Blair

Frisco

TX 10/12/2012

O Gerald Orley Brody

Bloomfield Hills

MI 10/12/2012

O Brian William Duncan

Old Bridge

NJ 10/12/2012

O Keith Allen Freyman

Chicago

IL 10/12/2012

O Kristin Suzanne Hawkins Newberry

FL 10/12/2012

O Timothy Michael Jackson Indianapolis

IN 10/12/2012

O Nicole Kay Kirk

Frisco

TX 10/12/2012

O Kevin Christopher Lehman Jacksonville

FL 10/12/2012

O Mark William Mazey

Bratenahl

OH 10/12/2012

O Patrick Kevin McGahan

Ypsilanti

MI 10/12/2012

O Mark Albert Pierpont

Novi

MI 10/12/2012

O Jamie Mark Rayfield

Lake Forest

CA 10/19/2012

O Jarrod Scott Weichert

West Des Moines

IA 10/19/2012

O Dennis Matthew Gatto

Roslyn

NY 10/19/2012

O Zachary Jon Nelson

SANDY

UT 10/19/2012

O Joanne Dungca

Spring

TX 10/19/2012

O Karen Louise Trejo

Citrus Heights

CA 10/19/2012

O Ryan Curtis Scholer

Valencia

CA 10/19/2012

O Barton Robert Chelf

St. Johns

FL 10/19/2012

O Kory Jerome Cassidy

Dacula

GA 10/19/2012

O Leslie Michelle Finch

Charlotte

NC 10/19/2012

O William C.Gabler Sparrow Ypsilanti

MI 10/19/2012

O Sherika Nekole Townsley SAVANNAH

GA 10/19/2012

O Sarah Danielle Elliott

Scottsdale

AZ 10/19/2012

O Corey Robert Niedermaier Macomb Twp.

MI 10/19/2012

O Sali Pali

Rochester Hills

MI 10/19/2012

O Michael Eric Schofield

Lindenwold

NJ 10/19/2012

O Ryan Mathew Stallsmith

Fraser

MI 10/19/2012

O Dennis John Campbell

Haddon Heights

NJ 10/19/2012

O Cynthia Jean Dobie

Orlando

FL 10/19/2012

October 2012

Page 11

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN OCTOBER 2012

GRMA# 35825 35826 35828 35829 35830 35831 35832 35839 35840 35842 35844 35845 35847 35848 35849 35850 35851 35852 35860 35862 35864 35866 35868 35869 35870 35873 35874 35875 35877 35879 35880 35885 35893 35897 35905 35906

NMLS# 944537 960123 944546 944550 944432 934780 366175 858296 938814 944549 198152 585413 954772 964307 931354 908540 262387 944539 962388 971391 67568 976624 955949 976618 98476 976609 331577 976598 73554 963424 8378 56934 269457 900063 896880 8847

CODE NAME O Jaclyn Denise Gaspari O Gregory Albert Janicki O Otto Raul Pinto O Kenneth N. Reynolds O Christopher Augustus Showers O Diana Lee Smith O Cynthia Rae St.Clair O Richard Lee Baldwin O Michael Kenneth Ballas O Matthew Joseph Bucelli O Nicholas Patrick Grobnagger O Johnny Ray Wallen, Jr. O Robert Paul Anderson O Richard Carl Carrizales, Jr. O Justin Tyler Colon O Michelle Laura DeMeulenaere O Christopher Leon Delaney O Mary Kate Hak O Ryan Adam Baldinger O Tamryne Tracey Emond O Jesson Kirk Tuthill O Kyle Andrew Ashe O Damon Albert Brown O Charles Francis Fitzsimmons, IV O Robert Barrett Horn O Daniel Elliott Parker O Melinda Sue Thomas O Daniel Wayne Tyler, Jr. O William Edward Campbell O Pedro Miguel Abascal O Raymond Paul Bishop O Holly Anne Keiter O Teresa Alline Bonner O Brian E. Podolak O Tyler John Gent O John David Lundstrom, Jr.

CITY Pine Hill Duluth Trenton Eastampton Phiadelphia Lakemoor Newport Beach Newnan Strongsville Voorhees Phoenix Mentor Douglasville Mount Clemens Burtonsville Clawson Richmond Haddon Township Denver Sandy Springs Louisville Baltimore Kansas City Silver Spring Doylestown Olney Bates City Baltimore raleigh Santa Ana Mundelein YULEE SEMMES Wilmington Independence Wheeling

ORIGINAL ST APPROVAL REINSTATED NJ 10/19/2012 GA 10/19/2012 NJ 10/19/2012 NJ 10/19/2012 PA 10/19/2012 IL 10/19/2012 CA 10/19/2012 GA 10/19/2012 OH 10/19/2012 NJ 10/19/2012 AZ 10/19/2012 OH 10/19/2012 GA 10/19/2012 MI 10/19/2012 MD 10/19/2012 MI 10/19/2012 TX 10/19/2012 NJ 10/19/2012 CO 10/19/2012 GA 10/19/2012 KY 10/19/2012 MD 10/19/2012 MO 10/19/2012 MD 10/19/2012 PA 10/19/2012 MD 10/19/2012 MO 10/19/2012 MD 10/19/2012 NC 10/19/2012 CA 10/19/2012 IL 10/19/2012 FL 10/19/2012 AL 10/19/2012 DE 10/19/2012 IA 10/19/2012 IL 10/19/2012

TOTAL: 128

Page 12
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

October 2012
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, internaonal banking organizaons, and bank holding companies
conducng business in Georgia.
Our MISSION is to promote safe, sound, compeve financial services in Georgia through innovave, responsive regulaon and supervision.
Our VISION is to be the best financial services industry regulator in the country Progressive. Proacve. Service-Oriented.

Sign-up to Receive this Publication
This monthly publication highlights topics and activities pertaining to the Department's regulation of state-licensed or registered mortgage brokers, lenders and loan originators. It is delivered to interested parties via e-mail 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, send an e-mail to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to Monthly Mortgage Summary" in the Subject line.