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2 Stars NDFI Outreach and 2 Upcoming Speaking Engagements Administrative 3 Actions Fine Information 3 Licenses 4 Withdrawn or Expired Licenses Approved 4 or Reinstated Contact Information 8 NDFI Division Management Changes Supervisory Manager Larry Shelley will retire effective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.