Monthly mortgage summary, Dec. 2012

Monthly Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
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Inside this Issue:
2013 License / 2 Registration
Renewal Period Has Ended
Georgia 2 Residential Mortgage Act Fee
Reminder
2013: New Year, 3 Same Rules
2013 State 4 Holidays
Administrative 4 Actions
Fine Information 5
Licenses Revoked, 6 Withdrawn or Expired
Licenses Approved 7 or Reinstated
List of 2013 10 Licensees / Registrants Renewed to Date
Customer Service 11 Stars
Contact 12 Information

Mortgage Call Report Reminder
This is a reminder that the MCR required by O.C.G.A. Section 7-1-1004.1 is due within 45 days of the end of every calendar quarter. Fourth quarter data (October 1 December 31, 2012) must be filed through the NMLSR by February 14, 2013. Reporting is required even if no Georgia residential mortgage loans were made during the quarter.
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

"Safeguarding Georgia's Financial Services"

Page 2

December 2012

2013 License / Registration Renewal Period Has Ended
The Annual License/Registration Renewal Period for 2013 has ended. A licensee/registrant that has a complete renewal application (i.e., renewal application filed, and all fines and renewal fees paid) pending through the Nationwide Mortgage Licensing System and Registry as of December 31, 2012, can continue to work as a mortgage loan originator, mortgage broker or mortgage lender unless and until there is a surrender/withdrawal of the license/registration or a final order of revocation is issued by the Department.
If a mortgage licensee/registrant did not file an application for renewal by December 31, 2012, the license/ registration expired by operation of law effective January 1, 2013, and the licensee/registrant must reapply through the NMLSR.

Georgia Residential Mortgage Act Fee Reminder
The $10.00 per loan fees required by O.C.G.A. Section 7-1-1011(b)(2) and Department Rule 80-5-1-.04 are due no later than March 1, 2013, for residential mortgage loans closed during the period July 1, 2012, through December 31, 2012. A $10.00 fee will be due if the loan is a residential mortgage loan as defined in the Georgia Residential Mortgage Act ("GRMA"), and if a security deed, a modification of a security deed or other form of modification of a security interest is recorded.
Financial institutions, mortgage licensees and registrants that act as the collecting agent (including brokers that table fund and collect the fee) must submit the fees and file the fee statement before the deadline to avoid fines.
Per Department Rule 80-5-1-.04(b), GRMA per loan fee reporting / remittance must be completed online through the Department's secure website. Reporting is required even if no residential mortgage loans were made and no fees are due. To avoid fines for failure to report / remit GRMA fees, reporting must be completed by the deadline noted above. Reporting and fee payment must be done online from our secure website at: https://bkgfin.dbf.state.ga.us/GRMAFee.html.
COMMONLY USED ACRONYMS
CE -- Continuing Education Department -- Georgia Department of Banking and Finance GRMA -- Georgia Residential Mortgage Act MCR -- Mortgage Call Report MLO -- Mortgage Loan Originator NMLS or NMLSR -- Nationwide Mortgage Licensing System & Registry

December 2012

Page 3

2013:
NEW YEAR, SAME RULES

On November 19, 2012, the Consumer Financial Protection Bureau ("CFPB") and the Federal Trade Commission ("FTC") issued warning letters to nonbank mortgage companies regarding their deceptive advertisements to consumers. The issued letters have spawned at least six formal investigations by the CFPB.

Not only must mortgage industry professionals comply with federal laws and rules, Georgia mortgage industry professionals and companies must be sure to comply with the Georgia Residential Mortgage Act and Department Rules. The Department takes advertising violations seriously and is concerned with deceptive advertising. It is important to remember that each mortgage lender and broker must maintain samples of its advertisements, as the Department may examine its licensees' books and records, including advertisements.

Morgan Clemons is an attorney with the NonDepository Financial Institutions Division

The CFPB and FTC letters refer to possible violations of the 2011 Mortgage Acts and Practices Advertising Rule ("The Rule"). The Rule prohibits misrepresentations in advertising about government affiliations and interest rate terms. Similarly, no person advertising Georgia mortgage loans may indicate or imply that interest rates are recommended, approved, set, or established by the state. Additional violations of the Rule include misrepresentations that a commercial communication is made by or on behalf of the consumer's current mortgage lender or servicer and misrepresentations that a consumer has been pre-approved or is guaranteed to qualify for a specific rate, refinance, or modification. Similarly, Georgia law places restrictions on advertisements by requiring that the advertisement state that the person disseminating it is not authorized by, in sponsorship with, or otherwise affiliated with the individual's lender. Violations of the Rule subject mortgage companies to enforcement actions and civil penalties. Similarly, Department rules allow for the assessment of a $500 fine for each violation of advertising requirements. The Rule provides a provision for actions by states against violators.

As we start the New Year, take time to assess your company's advertisements. Does your entity send "legal" notices for modifications that purport to be from the consumer's lender? Does your entity imply an affiliation with state or federal programs? Do you solicit and sell mortgage leads? Make sure your solicitations do not violate the advertising rules or subject you to a cease and desist order from the Department. Violation of state and federal laws and rules may subject your company to double fines and actions.

Page 4

December 2012

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

ADMINISTRATIVE ACTIONS
Consent Orders Which Became Final
Aapex Financial Solutions, LLC, Charlotte, NC (license# 24089) - Consent Order issued 12/04/2012
became final 12/04/2012.
American Equity Mortgage, Inc., St. Louis, MO (license# 13015) - Consent Order issued 12/21/2012
became final 12/21/2012.
Coker, Jacob W., Columbia, SC (license# 32063) - Consent Order issued 12/04/2012 became final
12/04/2012.
Daughhetee, Deanna Lynn, St. Louis, MO - Consent Order issued 12/21/2012 became final 12/21/2012. Huddleson, Margaret, Cornelius, NC - Consent Order issued 12/04/2012 became final 12/04/2012.

December 2012

Page 5

ADMINISTRATIVE ACTIONS (continued)

Consent Orders Which Became Final (continued)
Nationwide Bi-Weekly Administration, Inc., Xenia, OH (license# 35655) - Consent Order issued
12/28/2012 became final 12/28/2012.

Cease and Desist Orders Which Became Final
Carlton, Brenda, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became final
12/21/2012.
Litvin Law Firm, P.C., Brooklyn, NY - Order to Cease and Desist issued 11/21/2012 became final
12/26/2012.
Network Marketing, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/16/2012 became
final 12/18/2012.
TLA Foreclosure Prevention, Atlanta, GA - Order to Cease and Desist issued 11/16/2012 became final
12/18/2012.
W.O.M. Clayton Capital, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became
final 12/21/2012.
WOM Capital, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became final
12/21/2012.
WT Lee & Associates, LLC, West Valley City, UT - Order to Cease and Desist issued 11/20/2012 became
final 12/21/2012.

Fine Information

FINE REASON AND COUNT

3 Fines for Books and Records 1 Fine for Employment of a Felon 197 Fines for Continuing Education Data Filed Late 3 Fines for Failure to Report Violations/Discharges 2 Fines for Doing Business w/ Unlicensed Entity 1 Fine for Acquisition of 25% ownership w/o approval 1 Fine for Loan files not properly maintained

6 Fines for Failure to Perform Background Check 2 Fines for Advertising 275 Fines for Renewal Filed Late 1 Fine for Violation of Cease & Desist Order 1 Fine for Miscellaneous Other 1 Fine for Prohibited Acts 62 Fines for Mortgage Call Report Filed Late in NMLS

Page 6

December 2012

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

GRMA# NMLS# CODE NAME 24009 149702 LD Consumer Solutions 4, LLC (Delaware) 19393 39544 LD Myers Park Mortgage, Inc. 24061 175431 BD Medley, Matthew Clayton 23636 56528 LD TNI Finances, Inc. 32220 458336 LD Ashton Woods Mortgage, LLC 32255 458208 LD AIReS Mortgage Solutions, LLC
TOTAL: 6

CITY Hopkins Charlotte Rome Uniondale Alpharetta Pittsburgh

ST REVOKED WITHDRAWN

MN

12/04/2012

NC

12/13/2012

GA

12/31/2012

NY

12/31/2012

GA

12/31/2012

PA

12/31/2012

MORTGAGE LOAN ORIGINATOR LICENSEES REVOKED OR WITHDRAWN IN DECEMBER 2012

GRMA# NMLS# CODE NAME 26283 192712 OD Terri Lynn Mosby 29025 77945 OD Brian Burton Davidson 33610 824569 OD Lonnie Joseph Schatz 24823 227055 OD Todd Ira Prior 32704 54094 OD Elizabeth Ross Johnson 33705 847921 OD Warren Jay Trangsrud 24542 13350 OD Matthew Alan Taylor 24743 174699 OD Matthew Clayton Medley 25327 119853 OD Daniel Dale Poole 27604 186412 OD Suzie G. Levora 28110 233771 OD Joann Smith 28763 112654 OD John Arnold Paxton 29799 315623 OD Philip Anthony Carter 31297 380873 OD Brian Spencer Hartley 31819 385394 OD Preston Tremayne Williams 32350 85529 OD Colin Alexander Whitermore 32427 562058 OD Jamarr Taj Matthews 32497 607457 OD Chad Gregory Larsen 32691 685469 OD Ethan Scott Gwirtz 32697 733453 OD Christopher James Stafford 33017 822617 OD Bernabel Rebollar 35066 415076 OD Justin Wesley McGuire
TOTAL: 22

CITY Atlanta Brandon Cumming Portland Jacksonville Scottsdale Waxhaw Winter Park Huntersville Concord Atlanta Louisville Marietta Atlanta Southfield Charlotte Charlotte Champlin Huntersville Concord Charlotte Greenwood

ST REVOKED WITHDRAWN

GA

12/10/2012

MS

12/10/2012

GA

12/10/2012

OR

12/13/2012

FL

12/13/2012

AZ

12/19/2012

NC

12/31/2012

FL

12/31/2012

NC

12/31/2012

NC

12/31/2012

GA

12/31/2012

KY

12/31/2012

GA

12/31/2012

GA

12/31/2012

MI

12/31/2012

NC

12/31/2012

NC

12/31/2012

MN

12/31/2012

NC

12/31/2012

NC

12/31/2012

NC

12/31/2012

MO

12/31/2012

December 2012

Page 7

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

GRMA# NMLS# CODE NAME

CITY

ST

33398 3175

B LeadPoint, Inc.

Los Angeles CA

35653 768442 B Kota Realty & Mortgage Services, INC Lewisville TX

35891 983547 B Stonebridge Mortgage Group, Inc.

Blakely

GA

36042 991287 B Jason Long

La Fayette GA

35655 1503

L Nationwide Bi-Weekly Administration, Inc. Xenia

OH

ORIGINAL APPROVAL 12/07/2012 12/07/2012 12/07/2012 12/14/2012 12/28/2012

REINSTATED

TOTAL: 5

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012

GRMA# NMLS# CODE NAME

27666 265345 O Matthew Paul Blankenship

27450 85140

O Amanda Nicole Rodriguez

29467 236883 O Jin Myung Lee

27507 249000 O Johnny London Meany

28363 11995

O Charles Nelson Wall

34223 892269 O Kurt Kenneth Carr

35779 905172 O Timothy Kevin Gentry

35838 184621 O Michaele Jena Thompson

35908 288326 O Brian Joseph Peebles

35926 865244 O Christy Marie Puckett

35954 166868 O Jennifer Margaret Sears

36010 906751 O Andrew James St. Jean

36026 188931 O Jerry Lee Tomlinson

36034 10001

O Darren Eugene Grannemann

36044 333986 O Denise Laverne Carr

36054 366376 O Mia Machelle Thomas

36065 222742 O Stephen Lyn March

36068 552531 O Mark King

CITY ATLANTA Charlotte Duluth Winston Largo San Jaun Blakely Indianapolis Portland Frisco Augusta Chapel Hill Addison McHenry Lombard Stockbridge Citrus Heights Fayetteville

ORIGINAL ST APPROVAL REINSTATED GA 05/21/2010 12/07/2012 NC 08/13/2010 12/07/2012 GA 08/27/2010 12/07/2012 GA 09/03/2010 12/07/2012 FL 12/07/2012 CA 12/07/2012 GA 12/07/2012 IN 12/07/2012 OR 12/07/2012 TX 12/07/2012 GA 12/07/2012 NC 12/07/2012 TX 12/07/2012 IL 12/07/2012 IL 12/07/2012 GA 12/07/2012 CA 12/07/2012 GA 12/07/2012

Page 8

December 2012

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012

ORIGINAL

GRMA# NMLS# CODE NAME

CITY

ST APPROVAL REINSTATED

36069 991566 O Henry Jackson Perry, III

Greensboro

GA 12/07/2012

36070 984318 O Scott Elliott Philbrick

Baltimore

MD 12/07/2012

36074 957954 O Antonino Argame Alarcon

Jacksonville

FL 12/07/2012

36076 988953 O Ashley LaShara Cannady

Atlanta

GA 12/07/2012

36082 988937 O Neil Christopher Ruffini

Roswell

GA 12/07/2012

36083 844749 O Mandy Elizabeth Baruch

West Des Moines IA 12/07/2012

36085 813544 O James Andrew Carmichael

Brighton

MI 12/07/2012

36092 913752 O Joseph Ross Trocino

Macomb

MI 12/07/2012

36094 928213 O Michele Annis Winbush

Oak Park

MI 12/07/2012

36105 963907 O Therese Ann Salerno

Lake Zurich

IL 12/07/2012

36107 988935 O Marcos Andres Zambrano Cisneros Acworth

GA 12/07/2012

36109 966472 O Robert Michael DeLeo

Chicago

IL 12/07/2012

36110 966486 O Michael James Duncan

Highwood

IL 12/07/2012

36115 385666 O Kelly Maureen Schliecker

Peoria

AZ 12/07/2012

36116 175795 O Romona Renea Tate-Shipp

Cordova

TN 12/07/2012

36124 279761 O John Michael Lamberg

Tampa

FL 12/07/2012

36126 976297 O David Lee Waleri

SAVANNAH

TX 12/07/2012

36128 987858 O Danielle N. Ballew

Indian Trail

NC 12/07/2012

36129 137046 O Kyle C. Berner

Fishers

IN 12/07/2012

36130 514152 O Dawn Richelle Ferreiro

Irving

TX 12/07/2012

36134 34761

O Michael Christopher Quaranta

Mt. Laurel

NJ 12/07/2012

36135 826335 O Monica Del Rocio Razo

Fontana

CA 12/07/2012

36137 8727

O Karen Lynn Schuetz

Arlington Heights IL 12/07/2012

36138 916175 O Robert Raymond Wesley

Atlanta

GA 12/07/2012

36140 144840 O Corondelette Shazelle Clay

Shreveport

LA 12/07/2012

36144 984365 O Steven Loyd Baker

New Boston

MI 12/07/2012

36145 621596 O Charlotte Lynne Bunnell

Houston

TX 12/07/2012

36147 225861 O Kevin Mathew Fabian

Newport Beach CA 12/07/2012

36148 966479 O Kevin John Gillespie

Geneseo

IL 12/07/2012

36149 987861 O Richard Daniel McDonald, III

rock hill

SC 12/07/2012

36154 987859 O Brian Eugene Taylor

Lake Wylie

SC 12/07/2012

36161 969867 O Nicholas Ray Griffin

Arlington

TX 12/07/2012

36162 267371 O Mark William Hollinshead

Murfreesboro

TN 12/07/2012

36164 987860 O Nathan Keith Lowrey

Charlotte

NC 12/07/2012

36165 984682 O Matthew Paul Mehill

Northville

MI 12/07/2012

36166 984700 O Sarah Nazmi Sabi

Rochester

MI 12/07/2012

36167 621488 O Peter Timothy Wagner

Plano

TX 12/07/2012

36170 27547

O Bryan Edward Burt

Scottsdale

AZ 12/07/2012

36171 460689 O Theresa Lynn Thompson

Singer Island

FL 12/07/2012

36174 552530 O James Algie Williamson

Alpharetta

GA 12/07/2012

36178 833015 O Monica Iliana Dunn

huntington beach CA 12/07/2012

36182 371518 O Sherry Marie Janitz

Oak Ridge

NJ 12/07/2012

36183 28444

O Marshall Dean Kutz

Birmingham

MI 12/07/2012

36184 987856 O Bradley Christopher Lawson

Charlotte

NC 12/07/2012

36188 263665 O Erin Danielle Montalvo

Ladera Ranch CA 12/07/2012

36190 976418 O Scott Carson Ratliff

Overland Park KS 12/07/2012

December 2012

Page 9

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012

GRMA# NMLS# CODE NAME

36197 976010 O Tara-Leigh Brownell

36203 966464 O Brian Edward Schutz

36210 955560 O John Tate Molskow

31518 5081

O Marc Jared Langley

34341 32362

O Justin Dwaine Kingsbury

35961 187280 O Jason Kahn Moulton

35986 880657 O Whitney Ann Fontenot

35994 913718 O Ronald Taylo Tuggle

36049 901956 O Randolph Dale Jackson, II

36050 990270 O Jason Brett Long

36051 387222 O Robert Owen Neighbours, IV

36097 344880 O Patricia Dewendt Rumbos

36098 980853 O Rena Tomlinson Keene

36118 926734 O Darrell R. Dyer

36132 966490 O Steven Michael Johnson

36133 987647 O Austin Jesse Lin

36136 989865 O Steve Elias Salman

36150 8855

O Scott Alan Niksich

36151 552533 O Sharon Pounds

36158 987863 O Stephen Bradford Dickey

36160 791180 O Joseph Henry Flannery

36176 835388 O Michael David Dacuycuy

36177 366973 O William Richard Dale, Jr.

36185 964496 O Lynnelle Wynette Massenburg

36187 262577 O Stephen James Michelini

36192 987004 O Austin John Sanders

36198 367030 O Robert Scott Cormican

36205 955787 O Bradley Joel Boles

36206 984444 O Benjamin Thomas Caylor

36211 989741 O Richard Bruce Musto

36213 451765 O Carla Phillips Vento

36214 890675 O Michael Brandon Willis

36220 957814 O Caitlin Antoinette McGinn

36226 400738 O Jeffrey Ronald Kieffer

36227 984659 O Michael Eaton Kompoltowicz

36228 1001747 O Marc A. Rusterucci

36229 981715 O Robert Walter Serpas, III

36230 997561 O Chonsey Quaid Asbury

36233 981927 O Kristen Marie St. Peter

36236 984442 O Marcello Pasquale Castelvetere

36237 987153 O Michael Arthur Farmer

36238 1000870 O Matthew John Fenske

36240 36847

O Timothy Lee Cook

36242 872306 O Ziyad Rafih Fayad

36247 901466 O Stephen Yatcko

34003 225303 O SOMAI ABASSI

ORIGINAL

CITY

ST APPROVAL REINSTATED

Apopka

FL 12/07/2012

Geneva

IL 12/07/2012

Winfield

IL 12/07/2012

Atco

NJ 12/14/2012

Santa Ana

CA 12/14/2012

Roseville

CA 12/14/2012

Berkley

MI 12/14/2012

Phoenix

AZ 12/14/2012

white lake

MI 12/14/2012

La Fayette

GA 12/14/2012

Windsor Locks CT 12/14/2012

Duluth

GA 12/14/2012

Homerville

GA 12/14/2012

South St Paul, MN 12/14/2012

Downers Grove IL 12/14/2012

Laguna Hills

CA 12/14/2012

San Clemente CA 12/14/2012

Chicago

IL 12/14/2012

Longboat Key

FL 12/14/2012

Rock Hill

SC 12/14/2012

Lafayette

CA 12/14/2012

La Habra

CA 12/14/2012

San Clemente CA 12/14/2012

Raleigh

NC 12/14/2012

Scottsdale

AZ 12/14/2012

Indianapolis

IN 12/14/2012

Atlanta

GA 12/14/2012

Brea

CA 12/14/2012

Detroit

MI 12/14/2012

Alpharetta

GA 12/14/2012

Macon

GA 12/14/2012

Norcross

GA 12/14/2012

Fort Washington PA 12/14/2012

Apple Valley

MN 12/14/2012

Canton

MI 12/14/2012

Dallas

GA 12/14/2012

Savannah

GA 12/14/2012

Lithonia

GA 12/14/2012

Westminster

CA 12/14/2012

Dearborn Heights MI 12/14/2012

Houston

TX 12/14/2012

Stewartstown

PA 12/14/2012

Mira Loma

CA 12/14/2012

Anaheim

CA 12/14/2012

Hamden

CT 12/14/2012

IRVINE

CA 12/21/2012

Page 10

December 2012

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012

GRMA# NMLS# 36159 872152 36163 932262 36169 844977 36172 810059 36173 964761 36175 985152 36193 552599 36199 978978 36212 966465 36218 482623 36222 822541 36224 156446 36231 641498 36232 964507 36239 658829 36244 312084

CODE NAME O Sean Arnold Fitzgerald O Justin Garrett Jakubcin O Stephanie Nicole Prince Askew O Bradley Thomas Wash O Daniel Edward Wiegand O Joseph Adam Yashinsky O William Wayne Teas, Jr. O Cristin Marie Doherty O William Carl Nisius O Leith Royal Grasteit O Scott David Tarmon O Scott Jamison Galbraith O Mark Gravelle O Dale Edward Phelps O Phyllis H. Cheong O Donald Ralph Ostmann

TOTAL: 126

CITY Mount Clemens Denver Highland Village San Diego Fenton Farmington Hills Lilburn Aurora St. Charles Mountain Green Highlands Ranch Charlotte Cleveland Fairview Park Savannah St. Charles

ORIGINAL ST APPROVAL REINSTATED MI 12/21/2012 CO 12/21/2012 TX 12/21/2012 CA 12/21/2012 MI 12/21/2012 MI 12/21/2012 GA 12/21/2012 CO 12/21/2012 IL 12/21/2012 UT 12/21/2012 CO 12/21/2012 NC 12/21/2012 TN 12/21/2012 OH 12/21/2012 GA 12/21/2012 MO 12/21/2012

List of 2013 Licensees / Registrants Renewed to Date
A current listing of Georgia mortgage licenses/registrations that have been renewed for the 2013 licensing period can be found on the Department's website from: http://dbf.georgia.gov/documents/2013-georgia-mortgage-licenses-registrations-renewed
This file (in Microsoft Excel format) will be updated on a weekly basis and reflects renewal of licenses/registrations that were in an approved status prior to November 1, 2012.

December 2012

Page 11

CUSTOMER SERVICE STARS
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 and/or teams for going above and beyond in serving our customers:
Supervisory Manager Janet Anderson The Department received comments from customers stating: "Janet Anderson was especially helpful in the processing of our new lender license application." and "I have emailed Janet Anderson several times and she is an OUTSTANDING employee! She responds quickly and always answers my questions! Thank you, Janet!"
Review Examiner Deborah Long The Department received comments from a customer stating: "Deborah Long was exceptionally helpful and patient in helping me throughout the process."

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

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

December 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.