Monthly mortgage summary, Feb. 2012

Monthly Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Monthly SummMaornytholfy MSuomrmtgaarygeofAMcotritvgiatgieesAcftoivrittihees fPorerthioedPeErnioddinEgndFinegbArpurailry202007 12

Inside this Issue:
Reminders 2 Regarding Contact
Information
Customer Service 2 Stars
NDFI Outreach and 2 Upcoming Speaking
Engagements
Administrative 3 Actions
Fine Information 3
Licenses 4 Withdrawn or
Expired
Licenses Approved 4 or Reinstated
Contact Information 8

NDFI Division Management Changes

Supervisory Manager Larry Shelley will retire effective March 30, 2012, after 32 years of faithful service to the State of Georgia.

Larry began his career with the Department of Banking and Finance ("Department") in 1978 as an Assistant Financial Examiner in Dublin. He transferred to Atlanta as a Financial Examiner in 1981 and progressed through the examiner ranks to become a Senior Financial Examiner before leaving the Department in 1985 to work in the banking industry in the area of credit review.

Larry returned to the Department in 1988 as a Senior Financial

Examiner and was promoted to Assistant District Director in 1990. In

Larry Shelley

1993, he was promoted to an Assistant Deputy Commissioner position

(a position which is now titled Supervisory Manager) in the Department's

main office. Prior to his appointment as Supervisory Manager - Mortgage Regulation, Larry

served for two years as a Consumer Affairs Specialist in the Department's Legal and Consumer

Affairs Division.

Larry is also a Certified Examination Manager. Congratulations Larry! We wish you the best in your well-deserved retirement.

With the announcement of Larry's retirement, Betty Thomas was selected to fill the Supervisory Manager - Mortgage Regulation position.
Betty began her career with the Department in December 1997 in the Supervision Division. She joined the Non-Depository Financial Institutions Division in September 2003 as a Mortgage Examiner and progressed through the examiner ranks to become a Senior Financial Examiner in July 2008.
As a Mortgage Examiner, Betty gained considerable knowledge in examining the books and records of mortgage brokers and lenders. Betty leads the investigations of unlicensed entities that are found transacting business in violation of the Georgia Residential Mortgage Act. She is also a Certified Fraud Examiner and the liaison between the Department and the 30310 Zip Code Mortgage Fraud Task Force.
Congratulations Betty!

Betty Thomas

"Safeguarding Georgia's Financial Services"

Page 2

February 2012

Reminders Regarding Contact Information
All 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 email 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 e-mail 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.
As an additional reminder to mortgage loan originator licensees ("MLOs"), the NMLSR allows either an MLO or an MLO's sponsor to create a Form MU4. However, each MLO is expected to maintain individual control over his or her record in the NMLSR. The e-mail address of an MLO should be his or her own and not one assigned to a sponsoring company or a company official.

CUSTOMER SERVICE STARS FOR THE MONTH OF FEBRUARY
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:
NDFI Division Mortgage Staff The Department received comments from a customer stating: "I cannot let another month slip by without sharing my thoughts about Irene Harper, Helen O'Leary, Janet Anderson and Larry Shelley. Working with federal and state regulators all over the country gives me a very keen perspective on professionalism and efficiency. Every time I contact the DBF, I am overwhelmed with the responsiveness, professionalism and cooperative, positive attitudes from everyone at DBF, but in particular; Irene, Helen, Janet and Larry. It is my pleasure to be working with all of you. My dream in life is that y'all would teach the other government regulators that providing excellent customer service is like a smile; `it costs nothing but creates much'."
CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STARS!!

NDFI Outreach AND UPCOMING SPEAKING ENGAGEMENTS
Deputy Commissioner for Non-Depository Financial Institutions Rod Carnes will be speaking at the 8th Annual Georgia Real Estate Fraud Prevention and Awareness Coalition (GREFPAC) Conference on March 7th at the Cobb Galleria Centre, Atlanta.

February 2012

Page 3

ADMINISTRATIVE ACTIONS
Cease and Desist Orders Which Became Final
Casa Viva, LLC, Duluth, GA - Order to Cease and Desist issued 01/13/2012 became final 02/20/2012. Community Business Center, Inc. dba Decatur Business Center, Chamblee, GA - Order to Cease and Desist issued 01/13/2012 became final 02/21/2012.

License Denials

IDNUM NMLS#

29754 32651 32963 32981

272630 50662 774626 560469

33180 33351 33487 33551

648656 819117 824214 842589

TOTAL: 8

CODE NAME
OD Brizendine Emmett Mason OD MIchael Dunbar Jewell BD Capital Lending & Associates, Inc. OD Hung T Le OD Anthony Wayne Newkirk OD Zachary Rochelle Evans OD Amy Elizabeth Park OD Ronel Laurent

CITY
Louisville Charleston ATLANTA Atlanta Fort Worth Lewisville Riverton Boca Raton

ST

DENIED

KY 02/23/2012

SC 02/23/2012

GA 02/24/2012

GA 02/24/2012

TX 02/23/2012

TX 02/23/2012

NJ 02/23/2012

FL 02/23/2012

Fine Information
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

FINE REASON AND COUNT

1 Fine for Prohibited Acts 1 Fines for Advertising 1 Fine for Doing Business w/ Unlicensed Entity

55 Fines for Mortgage Call Report Filed Late in NMLS 1 Fine for Failure to Perform Background Checks

Page 4

February 2012

MORTGAGE LICENSEES / REGISTRANTS EXPIRED OR WITHDRAWN IN FEBRUARY 2012

GRMA# NMLS# CODE NAME

CITY

ST EXPIRED WITHDRAWN

32796 28824 30335 14511 6078

276871 172535 349859 2743 3073

OD Edward Alexander Trippe

Atlanta

GA 02/03/2012

OD Suzanne Marie Coryer

Cumming

GA 02/20/2012

BD Cary Dean Smith

SNELLVILLE

GA 02/21/2012

LD Superior Mortgage Corp.

HAMMONTON NJ

02/02/2012

BD Primerica Financial Services Home Mortgages, Inc. DULUTH

GA

02/03/2012

31637 33025 26491 26624 31653 32563

181495 198292 146020 143237 46375 240771

OD Takahiro Carl Settles BD Clifton Financial Services, Inc OD Frankie Devon Patrick OD Linda Diane DeGarady LD CalCon Mutual Mortgage Corporation OD ANTHONY LLOYD JENKINS

SAN CLEMENTE CA

MAITLAND

FL

Hampton

GA

Mt. Pleasant SC

SAN DIEGO

CA

Goose Creek SC

02/03/2012 02/14/2012 02/17/2012 02/24/2012 02/27/2012 02/27/2012

33143 813588 OD Michelle Deanna Marmon

Clarkston

MI

02/29/2012

TOTAL: 12

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

GRMA# NMLS# CODE NAME

ORIGINAL

CITY

ST APPROVAL REINSTATED

19789 2225 L Acceptance Capital Mortgage Corporation * SPOKANE

WA 11/19/2004

33247 415033 B Altisource Fulfillment Operations, Inc.

ATLANTA

GA 02/10/2012

33650 854222 B Premier Home Capital, LLC

CUMMING

GA 02/17/2012

33663 870421 B AAA Mortgage Solutions, LLC

WOODSTOCK

GA 02/24/2012

33248 152859 L FBC Mortgage, LLC

Orlando

FL 02/03/2012

33479 227262 L DAS Acquisition Company, LLC

ST. LOUIS

MO 02/03/2012

33058 355253 L Security America Mortgage, Inc.

HOUSTON

TX 02/17/2012

33522 12007 L LeaderOne Financial Corporation

OVERLAND PARK KS 02/24/2012

TOTAL: 8

February 2012

Page 5

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN FEBRUARY 2012

GRMA# NMLS# 27915 274656 24512 22213 24402 216573 26950 235840 28311 204674 30394 5027 29361 266717 33212 306991 33414 691480 33456 213597 33460 824856 33463 849234 33464 403676 33527 838695 33533 112825 33542 51120 33550 849017 33555 274758 33563 229736 33569 370851 33607 834182 33640 355161 33647 847903 33652 847795 33653 847887 33654 847800 33655 847888 33657 847889 33658 847905 33659 307734 33661 196680 33667 827827 33668 847816 33669 847819 33670 847906 33671 847845 33673 847856 33674 847895 33675 847861 33676 847871 33678 832086 33679 213567

CODE NAME O Tyrone Marlon Carrington O Paul Robert McDonald O Kimberly Ottaway O Rhonda M. Smith O Yoni Lahav O Ervin J. Kowitz O Marielena Roach O Aaron Alexander Langes O Richard Junior Smith O John Richard Caswell O Shannon Marie Herrera O Erik Sean Johannessen O Tyler Zaman Khalikyar O Renee Ann Loper O Stephen Allen Bighaus O Robert Dennis Keys O Timothy Aaron Janczuk O Michelle SungMee Pai O Pasquale Bernard Mungiole, Jr. O Jason Mathew Doliveck O Benjamin Gregory Hansz O Charles David Kruse O Joon Il Cho O Ahmed Saleh Mehdi Alshimary O Sean William Bunevich O Catherine Ann Castelli O Andrea Marie Coyle O Michael Joseph Dragony O Liliana Maria Esquer-Yanez O Jessilyn Rudene Fletcher O Carlos Antonio Reyes O KERRY RICH FARMER O Brandon Steven Garton O Michael John Green O Robert Nicholas Guice O Bradley Stephen Noel O Kyle James Reichert O Anthony Edward Russell O Theodore Wesley Sherman O Trisha Lynn Wofford O Melissa Bischoffer O Shannon Elizabeth Kelly

CITY

ST

Stamford

CT

Charlotte

NC

Lawrenceville

GA

Powder Springs GA

Cooper City

FL

Reisterstown

MD

Cumming

GA

Pembroke

GA

McConnells

SC

Laguna Niguel

CA

Dallas

TX

Orange

CA

Woodstock

GA

Detroit

MI

Lynnwood

WA

Garden Grove

CA

West Chester

PA

irving

TX

franklinville

NJ

Phoenix

AZ

Des Moines

IA

Columbia

MO

Scottsdale

AZ

Ypsilanti

MI

North Ridgeville OH

St. Clair Shores

MI

Lakewood

OH

Westlake

OH

Phoenix

AZ

Houston

TX

Anaheim

CA

Flowery Branch GA

Detroit

MI

Grosse Pointe Park MI

Phoenix

AZ

Auburn Hills

MI

Westland

MI

Lakewood

OH

Garden City

MI

Yale

MI

Algaunquin

IL

Costa Mesa

CA

ORIGINAL APPROVAL 10/07/2011 02/19/2010 03/26/2010 05/21/2010 07/30/2010 09/17/2010 09/03/2010 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012 02/03/2012

REINSTATED 02/10/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/24/2012

Page 6

February 2012

GRMA# NMLS# 33684 847801 33686 629977 33197 813637 33435 643683 33483 843374 33567 844050 33577 324593 33578 143083 33587 491904 33600 860689 33625 397615 33630 865043 33631 799275 33645 188207 33680 861608 33683 158347 33685 818347 33688 246204 33689 847897 33693 847808 33694 847785 33697 847891 33698 847910 33704 847864 33705 847921 33710 148817 33712 835229 33715 843048 33722 488446 29879 264189 33017 822617 33196 210011 33251 287290 33321 683220 33350 824903 33407 336300 33453 552046 33606 848552 33613 8876 33692 806917 33695 397492 33700 305149

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN FEBRUARY 2012

CODE NAME O Ahmed Fadel Chamander O Tim Dibona O Kevin David Kordalski O SASHAGAYE YANEKA MURRAY O Lisa Kay Durben O Justin Denver Brown O Joyce Abigail Hardy O Brian Thomas Norton O Aaron Alan Green O Wesley Austin Richard Ebner O Steven Christopher Strauss O Matthew John DeCesaro O Peter Joseph Kramer O Richard Raymond Roeser O Elizabeth Lewis O JEFFREY BRIAN CHALKER O Joseph Renzo DeAngelis O Gerry Devon Pate O Andrew Michael Snowball O Daniel James Conzelman O Michael Christopher DiPonio O Martin Michael Komertz O Kyle C. Marley O Joseph Thomas Stanton O Warren Jay Trangsrud O Jonathan Edward Browning O Christa Carleen Hutchens O Laura Ann Morse O Dipan C. Desai O Derek Fertig O Bernabel Rebollar O Joshua Weiss Harmatz O John Paul Lozada Martinez O Adam M. Chapin O Robert Allan Ernster O Michael Daniel Dunn O Thomas Jacoby Michelson O Anthony Eelman O Brian Paul Westervelt O Dale Craig Conner O Anthony John Falzarano O Daniel Emil Rigoglioso

CITY

ST

Deaborn

MI

Tempe

AZ

Broadview Heights

OH

st. louis

MO

Indian Land

SC

Indianapolis

IN

Louisville

KY

Cumming

GA

Rancho Cucamonga

CA

Rockville

MD

Brownstown

MI

ALPHARETTA

GA

West Des Moines

IA

Lindon

UT

Dacula

GA

COTTONWOOD

UT

Sewell

NJ

Stone Mountain

GA

Cuyahoga Falls

OH

Plymouth

MI

Auburn Hills

MI

Cuyahoga Falls

OH

mesa

AZ

Clare

MI

Scottsdale

AZ

Crestwood

KY

Olathe

KS

Overland Park

KS

Villa Park

CA

Fort Lauderdale

FL

Charlotte

NC

Sacramento

CA

La Mirada

CA

Ankeny

IA

Lake Forest

CA

Maitland

FL

Castle Rock

CO

Auburndale

FL

East Greenwich

RI

Suwanee

GA

Brick

NJ

Toms River

NJ

ORIGINAL APPROVAL 02/03/2012 02/03/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/10/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012

REINSTATED

February 2012

Page 7

GRMA# NMLS# 33701 847896 33706 847867 33711 847815 33713 847833 33714 827016 33718 198644 33719 847898 33725 847829 33726 129861 33727 847844 33728 847790 33732 834334 33736 827007 33737 450488 33754 65410 33758 447595 33849 12750 33862 36745 33545 243081 33572 390759 33610 824569 33696 142282 33720 848895 33729 422376 33733 62821 33735 431622 33770 545246 33771 847890 33776 847825 33777 150440 33778 194922 33790 838746 33791 221850 33792 847872 33793 146806 33796 448884 33799 847791 33803 814940 33805 847899 33822 869701 33823 27555 33826 385381
TOTAL: 126

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN FEBRUARY 2012

CODE NAME O Daniel Paul Schonauer O Brian James Trimble O Arthur Garcia O Braden Robert L'Amoreaux O Jonathan Emmanuel McIntosh O Anthony Augustus Tucci O Benjamin Christian Wiles O Timothy John Iles, Jr O ronald joseph miles O Darryl Thomas Nobles, Jr. O Bradford Clarke Rice O Jay Michael Brigman O Eric Alan Sailor O Anthony James Wilhelm O ANTHONY JEFFERSON ECKERT O Todd Brandon Keicher O Matthew James Hayes O Brian Thomas McDonald O Kenton Cody Lamb O Sean Patrick Murphy O Lonnie Joseph Schatz O Jason Green O Alexander William Winter O James Dean Robison O Marc Robert Budnik O Jared Arthur Hawkins O BRIAN JEFFREY COLE O Brian Robert Fox O Saif Haris Hormoz O Denise G. Scardino O David Alonzo Smith O Jared Adam Marusic O John E. Myers, Jr. O Jonathan Andrew Wollak O David Edward Zopf, Jr. O Grace Ann Lusher O Sabrina Renee Wells O Dudley Noble Harpole O Daniel James Wojtila O Shawn Donald McNeely O Byron Christopher Pugh O Timothy Scott Clarke

CITY

ST

Perry

OH

East Lansing

MI

Dearborn Heights MI

Clarkston

MI

Gilbert

AZ

Glenville

PA

Cleveland

OH

Detroit

MI

westminster

MD

Canton

MI

Livonia

MI

Fort Mill

SC

Twinsburg

OH

Peachtree City

GA

HANOVER

PA

Columbia

MO

Rochester Hills

MI

Royal Oak

MI

Largo

FL

Costa Mesa

CA

Cumming

GA

indianapolis

IN

Indianapolis

IN

Glendale

AZ

Norcross

GA

Ringgold

GA

Hoschton

GA

Cuyhoga Falls

OH

Marysville

MI

Savannah

GA

Bensalem

PA

Solon

OH

SCOTCH PLAINS

NJ

Redford

MI

Brentwood

TN

Columbus

GA

Detroit

MI

Baltimore

MD

Mentor

OH

Bluffton

SC

Scottsdale

AZ

Ypsilanti

MI

ORIGINAL APPROVAL 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/17/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012 02/24/2012

REINSTATED

Page 8
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

February 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, international banking organizations, and bank holding companies
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.

We're on the Web! dbf.georgia.gov

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.