Monthly mortgage summary, July 2012

Monthly
Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Monthly SumMmonatrhylyoSfumMmoarrtygaogf eMoArctgtaivgeitAiectsivfiotiresthfoer PtheeriPoedrioEdnEdnidnigngJAuplyril22001027

Inside this Issue:
Continuing 2 Education Requirements for 2013 License
Renewal
Anti-Money 2 Laundering and Suspicious Activity
Reports
Georgia 3 Residential Mortgage Act Fee
Reminder
Mortgage Call 3 Report Reminder
Administrative 4 Actions
Fine Information 4
Licenses 5 Revoked, Withdrawn or
Expired
Licenses Approved 6 or Reinstated
Contact 13 Information

Continuing Education Requirements for 2013 License Renewal: Reminder to Mortgage Loan Originators and
Mortgage Brokers
On or before October 31, 2012, mortgage loan originators ("MLOs") and mortgage brokers must obtain 8 hours of continuing education to renew their licenses for 2013.
Mortgage brokers and MLOs approved for licensure that obtained their pre-licensing education in 2012 DO NOT have to obtain continuing education for the 2013 license renewal.
Continuing education obtained by MLOs for license renewal must be:
taken for the required number of hours in the following areas of study: 3 hours in federal law and regulations: 2 hours in ethics, which shall include instruction on fraud, consumer protection and fair lending issues; 2 hours in training related to lending standards for the nontraditional loan product marketplace; and 1 hour in coursework that covers changes made to the Georgia Residential Mortgage Act, O.C.G.A. 7-1-1000, and its corresponding regulations.
approved by the Nationwide Mortgage Licensing System and Registry ("NMLSR") and offered by an authorized person or entity;
taken in a classroom setting or on-line; and
acquired on January 1, 2012, through October 31, 2012.
Similarly, mortgage brokers licensed by the Department must obtain 8 hours of approved continuing education between January 1, 2012, through October 31, 2012. Mortgage brokers also licensed as mortgage loan originators are only required to obtain 8 hours of continuing education in the areas designated above.

(Continued on page 2)
"Safeguarding Georgia's Financial Services"

Page 2

July 2012

Continuing Education Requirements for 2013 License Renewal: Reminder to Mortgage Loan Originators and Mortgage Brokers
(Continued from page 1)
Mortgage brokers that are not licensed as mortgage loan originators must obtain a minimum of 8 hours of continuing education in areas that include the mortgage brokering process; federal mortgage law, rules, and regulations; Georgia residential mortgage law, rules and regulations; mortgage loan applications and required supporting documentation; fraud; ethics; and/or any other topic pertinent to the operation of a mortgage brokering business in Georgia. At least 1 hour of continuing education must be obtained in coursework that is concentrated on fraud detection and prevention.
To find out when and where necessary course work will be offered to satisfy Georgia's continuing education requirements, mortgage licensees should visit the NMLSR website at http://mortgage.nationwidelicensingsystem.org/profreq/education/Pages/default.aspx.

Anti-Money Laundering and Suspicious Activity Reports
The Financial Crimes Enforcement Network ("FinCEN") recently issued a final rule that requires non-bank residential mortgage lenders and mortgage originators to establish anti-money laundering policies and to file suspicious activity reports ("SARs") under the Bank Secrecy Act ("BSA").
The final rule was effective on April 16, 2012, with a compliance date of August 13, 2012. The text of the rule can be found in the Federal Register at 31 CFR Part 1010 and 31 CFR Part 1029 (http://www.fincen.gov/statutes_regs/frn/pdf/1506-AB02_RMLO_Final_Rule.pdf).
An overview of the requirements and other important information can be found on FinCEN's website at: http://www.fincen.gov/financial_institutions/lfc/
FinCEN Helpline: Regulatory Toll-Free Helpline, (800) 949-2732 (Monday thru Friday, 8:00 a.m. - 5:00 p.m., E.T.)

July 2012

Page 3

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 September 1, 2012, for residential mortgage loans closed during the period January 1, 2012, through June 30, 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 on our secure website at: https://bkgfin.dbf.state.ga.us/GRMAFee.html.

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. Second quarter data (April 1 June 30, 2012) must be filed through the NMLSR by August 14, 2012. 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

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

Page 4

July 2012

ADMINISTRATIVE ACTIONS

Cease and Desist Orders Which Became Final
CStar Corporation, Atlanta, GA - Order to Cease and Desist issued 06/29/2012 became final 07/31/2012.
John W. Persse Law Group, Sarasota, FL - Order to Cease and Desist issued 06/29/2012 became final 07/31/2012.
Meigs Trading, LLC, d/b/a www.mortgageloanamerica.com d/b/a www.mortgagehomeloanscenter.com d/b/a www.mortgageratedeals.com, Roswell, GA - Order to Cease and Desist issued 06/29/2012 became final 07/31/2012.
Reverse Mortgage HelpDesk, LLC, d/b/a www.reverse-mortgage.org, d/b/a www.reversemortgagehelpdesk.com, Kennesaw, GA - Order to Cease and Desist issued 06/29/2012 became final 07/31/2012.
Total Choice Corporation, McDonough, GA - Order to Cease and Desist issued 06/05/2012 became final 07/05/2012.

Mortgage Loan Originator License Denials

IDNUM NMLS# NAME 29897 42143 Mike Scott Kammet

CITY BOCA RATON

ST

DENIED

FL 07/03/2012

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 Doing Business w/ Unlicensed Entity

July 2012

Page 5

MORTGAGE BROKER AND LENDER LICENSEES / REGISTRANTS EXPIRED OR WITHDRAWN IN JULY 2012

GRMA# NMLS# CODE NAME

CITY

ST EXPIRED WITHDRAWN

12030 138250 BD United Mortgage Associates, Inc.

STOCKBRIDGE GA

07/02/2012

23939 148436 BD BayBurg Financial, Inc.

Ft. Lauderdale

FL

07/02/2012

31580 363232 BD Pheobe Maria Brown

SAVANNAH

GA

07/02/2012

32184 458323 LD NuCompass Mortgage Services LLC Des Moines

IA

07/10/2012

11535 9732 LD Saxon Mortgage Services, Inc.

Fort Worth

TX

07/12/2012

32394 171747 LD Coastal States Mortgage Corporation Fort Lauderdale FL

07/16/2012

17302 4266 LD Home Loan Center, Inc. (California) IRVINE

CA

07/19/2012

15726 62411 LD Republic State Mortgage Co.

Houston

TX

07/27/2012

24089 138858 BD Aapex Financial Solutions, LLC

Cornelius

NC

07/31/2012

23115 5940 LD Main Street Financial, Inc.

Indianapolis

IN

07/31/2012

23316 22548 LD Graystone Solutions, Incorporated Wayland

MA

07/31/2012

15556 149713 RD CWABS, Inc.

Westlake Village CA

07/31/2012

15783 149715 RD CWMBS, Inc.

Westlake Village CA

07/31/2012

TOTAL: 13

MORTGAGE LOAN ORIGINATOR LICENSEES EXPIRED OR WITHDRAWN IN JULY 2012

GRMA# NMLS# 28217 32080 25429 3456 29531 107876 28815 20915 30889 260224 33651 847794 33694 847785

CODE NAME OD Lee Jason Burnstein OD Amanda Pene Zielinski OD Eugene Kyung OD Mohamed Abbas OD Caitlin Elizabeth Boutin OD Tamer Ali Adman OD Michael Christopher DiPonio

CITY

ST EXPIRED WITHDRAWN

West Bloomfield MI

07/13/2012

Concord

OH

07/19/2012

Parker

CO

07/24/2012

Dearborn

MI

07/31/2012

Scottsdale

AZ

07/31/2012

Macomb

MI

07/31/2012

Auburn Hills

MI

07/31/2012

TOTAL: 7

Page 6

July 2012

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

GRMA# NMLS# CODE NAME

CITY

25715 153527 O Christopher D. Tanner

Atlantic Beach

25928 36090 O Michael Martin

Duluth

29091 272759 O Julie Dungan Terrell

Macon

29079 281150 O Catherine Ann Schafer

Kennesaw

25835 218371 O William Goodwyn Ruppenthal Gainesville

28888 202923 O Susan N. Corley

Athens

24880 88572 O Jeana Marie Cason

Foothill Ranch

30635 346194 O Alejandro Emilio Rivera

Athens

30381 282066 O Nam H. Kim

Chino Hills

31394 314749 O Benjamin Wade Law

The Colony

32127 7344

O Robert Warren Brown

Louisville

33829 618785 O Kelly M. Sharrow

China

34378 358612 O Jarrod Michael Hileman

Lancaster

34534 868874 O Shawna Brooks

Marietta

34605 32935 O Stephen Francis Moorhouse Randolph

34675 913680 O Raidan Kamal Sobh, Jr.

Grand Blanc

34678 913712 O Robert Thomas Tiernan

Saline

34682 913725 O Michael Steven Wilmoth

Richmond

34704 340113 O Erick David Elson

Laveen

34753 139236 O Nora Leone Gohn

Towson

34755 244066 O Anthony Michael Ivy

Mission Viejo

34773 49808 O Gary Lee Kowalski

Bellflower

34778 4891

O Jennifer L. Burns

Tucker

34789 145790 O Scott David Greenlaw

Kirkland

34792 234170 O George Henry Rudolph

Irvine

34803 891484 O Valerie Ann Luszcz

Southfield

34818 880478 O Bridget Patricia Kastl

South Lyon

34830 500246 O Michael Joseph Sanwald

Yardley

34838 261953 O David Alan Harvey

Orlando

34845 879955 O Gloria Meta Withers

Buena Vista

34849 908853 O Mark Wendell Dupree

Salt Lake City

34855 326064 O Mark Aaron Landon

Milton

34858 913047 O Kevin Michael Murray

Baltimore

34865 913653 O Jonathan Laurence Rohring Battle Creek

34870 921549 O Raymond Justin Slay

Elberton

34871 781695 O Brian Stewart

Scottsdale

34884 915558 O Jeffery Scott McLean

Marietta

34888 861251 O Henry Joseph Shenkosky, III Brighton

34889 813611 O Zachary Theodore Silverman Berkley

34891 861268 O Derek Paul Springer

Ypsilanti

34892 779294 O Dana Lee Vasko

Phoenix

34895 357462 O Donald L. DeMattio

Worthington

34905 902413 O Amy Elizabeth Brown

Waterford

34906 891500 O Abdallah Joseph Eid

Shelby Twp.

34912 884736 O Angela Manning Rose

Matthews

34930 912426 O Michael Andrew Schmit

Maitland

ORIGINAL ST APPROVAL REINSTATED FL 04/23/2010 07/06/2012 GA 05/07/2010 07/13/2012 GA 06/04/2010 07/13/2012 GA 06/04/2010 07/20/2012 GA 07/09/2010 07/20/2012 GA 07/23/2010 07/20/2012 CA 08/13/2010 07/20/2012 GA 11/05/2010 07/20/2012 CA 11/19/2010 07/27/2012 TX 02/11/2011 07/06/2012 KY 05/06/2011 07/20/2012 MI 07/06/2012 SC 07/06/2012 GA 07/06/2012 NJ 07/06/2012 MI 07/06/2012 MI 07/06/2012 MI 07/06/2012 AZ 07/06/2012 MD 07/06/2012 CA 07/06/2012 CA 07/06/2012 GA 07/06/2012 WA 07/06/2012 CA 07/06/2012 MI 07/06/2012 MI 07/06/2012 PA 07/06/2012 FL 07/06/2012 GA 07/06/2012 UT 07/06/2012 GA 07/06/2012 MD 07/06/2012 MI 07/06/2012 GA 07/06/2012 AZ 07/06/2012 GA 07/06/2012 MI 07/06/2012 MI 07/06/2012 MI 07/06/2012 AZ 07/06/2012 OH 07/06/2012 MI 07/06/2012 MI 07/06/2012 NC 07/06/2012 FL 07/06/2012

July 2012

Page 7

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

GRMA# NMLS# 34936 418795 34940 907587 34944 869975 34946 201533 34211 168002 34632 888290 34706 398579 34779 506590 34784 737558 34791 103372 34813 861713 34851 891481 34880 844046 34885 913627 34898 897838 34904 860562 34909 32164 34910 904957 34911 505124 34917 880850 34921 422380 34922 860005 34923 871758 34924 913563 34926 901030 34927 913638 34929 913666 34931 914562 34932 900283 34934 144703 34935 902256 34939 847792 34941 917517 34943 583556 34948 267109 34949 352747 34950 926752 34952 888655 34953 352563 34959 844238 34961 897614 34964 847909 34966 894470 34968 140951 34970 909520 34972 488345

CODE NAME

CITY

O Ryan Barry Philip

Belleville

O samuel andrew lentine

Bloomingdale

O Stephanie Lauren Camp

shepherdsville

O Zachary Marshall Emdee

Louisville

O Duc Cao

Suwanee

O Steven Michael Rawley

Riverside

O Gene Karpel Levy

Irvine

O Barbara Lynn Cook

Smyrna

O PATRICK ANDREW SHERIDAN Riverview

O Rodney James Morgan

Concord

O Nicholas John Smalc

Cleveland

O Nathan Joseph Guilloz

Wyandotte

O Amy Lynn Dzialo

Flowery Branch

O Mitesh Mukesh Patel

Plymouth

O Christine May Judd

Shawnee

O Cody Wyatt Barz

Detroit

O Mathew Edward Lorince

Brecksville

O Warren Kirby Morris

Charlotte

O Vanessa Y. Pass

Charlotte

O Brian Rodney Wolfe

Clawson

O Kristina Lynn Call

Scottsdale

O William Jason Etters

Lees Summit

O Rodrick David Helsen

Royal Oak

O Zachary Ross Lederer

West Bloomfield

O Jeffrey Alan Nielsen

Carson

O David John Powers

Roseville

O Bryan David Savage

Troy

O Shellie Kersey Sexton

Dacula

O Karen Lynn Barnett

Charlotte

O Raymond Vincent Nieto

Diamond Bar

O William A. Nightengale, II

Charlotte

O Eugene Joseph Yoscovits

Riverview

O Kimberly Todd Ballew

Cumming

O Dana Leann Burris

Lakewood

O Ali Hashem

Dearborn

O Philip Alexander McAndrew

Corona

O Justin Francisco Perez

Suwanee

O Thomas Joseph Savino

Jacksonville

O Phillip Matthew Shuppert

Indianapolis

O Mary Ann Armistead

Chamblee

O Robert Michael Casagrande, III Villa Park

O Lauren Elizabeth Leonbruno

Tempe

O Blaire Parker Woodall

Highland Village

O Richard J. Daugherty

Marietta

O Heather Lynn Barrow

Sherman Oaks

O Mark Anthony Rivas

Avondale

ORIGINAL ST APPROVAL REINSTATED NJ 07/06/2012 IL 07/06/2012 KY 07/06/2012 KY 07/06/2012 GA 07/13/2012 CA 07/13/2012 CA 07/13/2012 GA 07/13/2012 FL 07/13/2012 NC 07/13/2012 OH 07/13/2012 MI 07/13/2012 GA 07/13/2012 MI 07/13/2012 KS 07/13/2012 MI 07/13/2012 OH 07/13/2012 NC 07/13/2012 NC 07/13/2012 MI 07/13/2012 AZ 07/13/2012 MO 07/13/2012 MI 07/13/2012 MI 07/13/2012 CA 07/13/2012 MI 07/13/2012 MI 07/13/2012 GA 07/13/2012 NC 07/13/2012 CA 07/13/2012 NC 07/13/2012 MI 07/13/2012 GA 07/13/2012 OH 07/13/2012 MI 07/13/2012 CA 07/13/2012 GA 07/13/2012 FL 07/13/2012 IN 07/13/2012 GA 07/13/2012 CA 07/13/2012 AZ 07/13/2012 TX 07/13/2012 GA 07/13/2012 CA 07/13/2012 AZ 07/13/2012

Page 8

July 2012

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

GRMA# NMLS# CODE NAME

34979 913536 O John Michael Lang

34981 907297 O David Marion Tindall

34989 8877

O Brian Michael Anton

34990 838730 O Sean Thomas Boyle

34991 4415

O James Joseph Favieri

34992 828529 O Krista Marie Harris

34993 922887 O Brian Dean Kaplan

34995 900479 O REBECCA DIANE LAPP

34997 571031 O Lance Antonio Micucio

34999 283498 O William James Payton

35000 915742 O Andrea Nina Price

35002 861289 O Richard Allen Wright

35006 861700 O Danny Scott Anderson

35007 926645 O Emily Lynn Archer

35008 584259 O Christine Elizabeth Armstrong

35009 926648 O Eric Jonathan Bair

35011 926652 O Aaron Christopher Brendtke

35012 751370 O Kassem Hamad Charafeddine

35013 926657 O John Samuel Delia

35014 926662 O Andrew Stuart Ferrans

35015 926664 O Mitchell Stephen Frazier

35016 926665 O Joseph John Frey

35017 911853 O Ryan Albert Guercio

35018 26893 O Melissa Marie Heikkinen

35019 871749 O Paul Andrew Hendrix

35020 926676 O Roy Eugene Hollis, Jr.

35021 368036 O Matthew Joseph Howdyshell

35022 926678 O Joseph Frank Ianitelli

35023 926681 O Keith Jerome Kirsch

35024 926689 O William Miles Kucharski

35025 927814 O Sam Lee

35026 926692 O Kathryn Jean Lipphard

35027 927815 O John Lulgjuraj

35028 926695 O Sarah Jean Martin

35029 926696 O Paul Michael Matouk

35030 713799 O Michael Gordon McDonald

35032 927820 O Emily Miner

35033 891317 O Michael Ghassan Rafka

35034 228246 O William Johann Rapp, Jr.

35036 926709 O Alexandria Faye Ridley

35037 917858 O Ronald E. Sluder

35038 926714 O Judah John Sax

35039 927962 O Sean Gordon Shunkwiler

35042 872208 O James Ryan Vellane

35043 926722 O Christopher William Wasper

35044 506583 O Timothy R. White

CITY West Bloomfield Palmetto Marlton Scottsdale Mount Laurel Portsmouth Laurel Savannah Baltimore Santa Ana Atlanta Warren Lakewood Dearborn Livonia Chesterfield Westland Inkster Rochester Hills Ferndale Petersburg Sterling Hts Boca Raton Howell Grosse Pointe Woods Romulus Detroit Warren Trenton Warren Waterford Taylor Washington Monroe Clinton Township Scottsdale Northville Canton Houston Waterford JESUP Comstock Park Dearborn Tempe Detroit Valley

ORIGINAL ST APPROVAL REINSTATED MI 07/13/2012 FL 07/13/2012 NJ 07/13/2012 AZ 07/13/2012 NJ 07/13/2012 RI 07/13/2012 MD 07/13/2012 GA 07/13/2012 MD 07/13/2012 CA 07/13/2012 GA 07/13/2012 MI 07/13/2012 OH 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 FL 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 AZ 07/13/2012 MI 07/13/2012 MI 07/13/2012 TX 07/13/2012 MI 07/13/2012 GA 07/13/2012 MI 07/13/2012 MI 07/13/2012 AZ 07/13/2012 MI 07/13/2012 AL 07/13/2012

July 2012

Page 9

GRMA# NMLS# 35045 926724 35046 928129 35047 908503 35049 926654 35053 926658 35054 926660 35055 926661 35058 926668 35059 186485 35060 926680 35061 913489 35062 926682 35063 926687 35064 926690 35065 202181 35066 415076 35067 926702 35068 926712 35069 910792 35086 621901 35090 926719 29227 238518 30093 32145 30824 258013 30963 318520 34638 902219 34694 144527 34839 36081 34840 206747 34886 118546 34897 900516 34914 81346 34928 907357 34945 874424 34978 437987 34998 894694 35010 863095 35031 376160 35050 926656 35051 861701 35052 926659 35075 926653 35076 884138 35078 926667 35079 926670 35093 896878

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

CODE NAME O Adrian Marie Ziaja O Sharif Abdelgelil AliDinar O Andrew Paul Ballard O Jordan Steven Cain O Joseph Jerome Deneweth O Michael Patrick Donnelly O Julie Ann Emmendorfer O Jennifer Michelle Grangood O Jeremy Christopher Henry O Clayton Russell Kendrick O Reem Azmi Khalil O Andrew Joseph Klotz O Seth Eric Kritzman O Christopher Andrew Kuclo O Jeffrey Paul Ladner O Justin Wesley McGuire O Joseph Brian Nitkiewicz O David Benjamin Saginaw O Roderick Keith Simpkins O Gregory James Pope O Shane Andrew Sugierski O Stephen Archie Bomar O Candace Kelly O Holly Amber Windsor O Jason R. Battershell O Aadil Amin O Lily Lockwood O Peter Dunn Kohlasch O Thomas Allen Neal O Derek Boyd Prickett O Brandt Russell Hockman O Brooke Ann Shadwick O Jacqueline Anne Reagh O Sean Michael Carney O Ernest Ivy O Susan Moeller O Douglas Finley Brady O Joseph Brian McNeill O Daija Lynee Covington O Christopher Dale DeCamillo O Luke Joseph DePauw O Jeffrey Paz Buna O Charles Aaron Feagain O Joshua David Grabenstein O Sara Ann Grevi O Nagib Iqbal

CITY Dearborn Detroit Waterford Clinton Township Royal Oak Macomb Twp. Allenton Whitmore Lake Lees Summit Ann Arbor Ypislanti Grand Ledge Farmington Hills Livonia Ypsilanti Greenwood Ypsilanti Ferndale Kennesaw Little Elm Oak Park Union City Ferndale Louisville Rochester Hills Noblesville Wappingers Falls Towson Placentia Hendersonville Ankeny Huntersville Bluffale tega cay Buford Houston Columbia McConnells Eastpointe lakewood Lenox Taylor Savannah Oxford Clinton Township McKinney

ORIGINAL ST APPROVAL REINSTATED MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MO 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MI 07/13/2012 MO 07/13/2012 MI 07/13/2012 MI 07/13/2012 GA 07/13/2012 TX 07/13/2012 MI 07/13/2012 GA 07/20/2012 MI 07/20/2012 KY 07/20/2012 MI 07/20/2012 IN 07/20/2012 NY 07/20/2012 MD 07/20/2012 CA 07/20/2012 NC 07/20/2012 IA 07/20/2012 NC 07/20/2012 UT 07/20/2012 SC 07/20/2012 GA 07/20/2012 TX 07/20/2012 MO 07/20/2012 SC 07/20/2012 MI 07/20/2012 OH 07/20/2012 MI 07/20/2012 MI 07/20/2012 GA 07/20/2012 MI 07/20/2012 MI 07/20/2012 TX 07/20/2012

Page 10

July 2012

GRMA# NMLS# 35095 926704 35096 916631 35097 847915 35099 919390 35100 902442 35104 913443 35105 926683 35107 913533 35111 913636 35113 367085 35116 904470 35117 901973 35118 397614 35119 243109 35124 233816 35153 530714 35154 813556 35155 913344 35156 717212 35157 397633 35158 861229 35164 913802 35165 633052 35166 915605 35167 913477 35168 913490 35171 913840 35172 913868 35173 902581 32374 493456 33883 480572 34401 418784 34463 893938 34624 234363 34655 35108 34814 913728 34820 853568 34837 386406 34841 921851 34842 838710 34907 754781 34908 899665 34937 351238 34960 902408 34963 371982 34971 664101

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

CODE NAME O Devon Jade Porter O Emily Nellwyn Zach O Alexander V.Murphy-Barriga O Emily Jane Bruckner O Rikki Lynn Franz O Joseph Eugene Hill O Megan Marie Knuth O Kristopher Aaron Laing O Chase Elliott Peregrym O Sean Michael Ratliff O Peni Marie Skupin O Julian Erwin Smith O Thomas Allen Smith O Alicia Joy Street O James Brent Bonner O Erik Shannon Black O Steven Paul Carden O Mark Terrell Childress O Lawrence Nathaniel Ernstoff O Ryan Stephen Griffith O Bryan Adam Mecsey O Brent Robert Bartlett O Marianne Elizabeth Campbell O Julie Ann Dailey O Paul Eugene Jackson O Brian Patrick Kidd O Louis Michael Monaco O Matthew Robert Seemiller O Audie Vincent Simon, II O Melvin Love Hagler, Jr. O Richard Gray O Jason David Margelefsky O EFRAIN MIRANDA O Frank J. Passafiume O Todd A. Crane O Ryan Verdell Wilson O Ryan Luke Petty O Alberto Guillermo Fernandez O Kirsten Lee Ray O Ashley Rose Sheldon O Timmy Guillory O David Gordon Koons O Christopher Carlton Ponton O James Christian Bodnar, II O Esther Garcia Perez O Patricia Christensen

CITY Canton Atlanta Scottsdale Richmond Chesterfield Scottsdale Livonia Phoenix Scottsdale Westlake White Lake canton warren Sacramento Tega Cay Phoenix Dearborn Surprise Parsippany Phoenix Bloomfield Hills Cleveland WEST HILLS Dallas Phoenix Gilbert Kirtland Hills Cleveland Aurora Fort Mill Toms River Riverdale westchester North Olmsted Colorado Springs Detroit Indianapolis St. Johns Savannah Chesterfield Houston Charlotte Oxford Amherst Houston Newnan

ORIGINAL ST APPROVAL REINSTATED MI 07/20/2012 GA 07/20/2012 AZ 07/20/2012 VA 07/20/2012 MI 07/20/2012 AZ 07/20/2012 MI 07/20/2012 AZ 07/20/2012 AZ 07/20/2012 OH 07/20/2012 MI 07/20/2012 MI 07/20/2012 MI 07/20/2012 CA 07/20/2012 SC 07/20/2012 AZ 07/20/2012 MI 07/20/2012 AZ 07/20/2012 NJ 07/20/2012 AZ 07/20/2012 MI 07/20/2012 OH 07/20/2012 CA 07/20/2012 TX 07/20/2012 AZ 07/20/2012 AZ 07/20/2012 OH 07/20/2012 OH 07/20/2012 OH 07/20/2012 SC 07/27/2012 NJ 07/27/2012 NJ 07/27/2012 IL 07/27/2012 OH 07/27/2012 CO 07/27/2012 MI 07/27/2012 IN 07/27/2012 FL 07/27/2012 GA 07/27/2012 MI 07/27/2012 TX 07/27/2012 NC 07/27/2012 MI 07/27/2012 OH 07/27/2012 TX 07/27/2012 GA 07/27/2012

July 2012

Page 11

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

GRMA# NMLS# 34982 849377 34983 589243 35056 913417 35057 923816 35073 836306 35081 263467 35082 913434 35083 910959 35084 913824 35085 926700 35087 926520 35091 881879 35101 97865 35108 926697 35115 141973 35120 508495 35125 913803 35126 899571 35127 907003 35128 913807 35129 913815 35130 919371 35132 913509 35133 913818 35136 902525 35137 926698 35138 397753 35139 233218 35140 926701 35141 926703 35142 913865 35143 924221 35145 926706 35147 418797 35149 913704 35150 929188 35160 79687 35170 639785 35175 913871 35178 664104 35180 896802 35182 861218 35183 185715 35184 920899 35186 894288 35190 902433

CODE NAME O BARBARA G. WINSTON O David Francis Welnhofer O Laura Elizabeth Genetti O Ryan Michael Golden O Lawrence Andrew Barela O Cynthia Dianne Hanna O Jacob Ryan Hartman O Carmuelita E. Hughes O Nicholas Wade Markham O Joshua Jack Millikin O Mark Augustine Rudy O Caite Swany O Karen Ann Fugok O Ryan Michael Matthey O Edward Joseph Sedlar, Jr. O Edward Joseph Woods, Jr. O Craig Michael Burgess O John Kenneth Cobb O Anna Izabela Dankowska O Michael Anthony Dobbins O Aaron Kyle Heckathorn O Jeffrey Michael Kaiser O Ryan Daniel Knowlton O Jeralynn Mary LaBant O Matthew Bradley McCarthy O Colleen Dawn McKinnie O John Steven Miskowski O Justin Michael Murray O Cole Alexander Neumann O Patrick Joseph O'Connor O Jayme Louyse Palker O Meredith A. Poggi O Daniel William Ribble O Nicholas Michael Scheren O Bryce Milton Summers O Charles M. Weissinger O Jeffrey Thomas Barton O Matthew Gregory Marovich O Christopher George Woods O Barbara L. Coberly O Marvin Dellis Evans O David Jay Leib O Andrew Guido Lioi O Beate Linde Moehlig O Chander Padmanabhan O Amol Ashok Dalvi

CITY Savannah Ft. Mill Oakland Twp. Charlotte Riverside Jacksonville West Bloomfield Indianapolis Hudson Grayling Matthews Dothan Broomall Livonia Westminster Moreno Valley Medina Farmington Chicago Akron Sheffield lake Alpharetta Phoenix Mentor Sterling Heights Sterling Heights Chandler Hawthorn Woods Bloomfield Hills Detroit Olmsted Twp Atlanta Byron Center Little Falls Scottsdale Roswell malibu New Milford Vermilion Suwanee Chandler West Bloomfield Glenwood Gainesville Temple Terrace Wixom

ORIGINAL ST APPROVAL REINSTATED GA 07/27/2012 SC 07/27/2012 MI 07/27/2012 NC 07/27/2012 CA 07/27/2012 FL 07/27/2012 MI 07/27/2012 IN 07/27/2012 OH 07/27/2012 MI 07/27/2012 NC 07/27/2012 AL 07/27/2012 PA 07/27/2012 MI 07/27/2012 MD 07/27/2012 CA 07/27/2012 OH 07/27/2012 MI 07/27/2012 IL 07/27/2012 OH 07/27/2012 OH 07/27/2012 GA 07/27/2012 AZ 07/27/2012 OH 07/27/2012 MI 07/27/2012 MI 07/27/2012 AZ 07/27/2012 IL 07/27/2012 MI 07/27/2012 MI 07/27/2012 OH 07/27/2012 GA 07/27/2012 MI 07/27/2012 NJ 07/27/2012 AZ 07/27/2012 GA 07/27/2012 CA 07/27/2012 NJ 07/27/2012 OH 07/27/2012 GA 07/27/2012 AZ 07/27/2012 MI 07/27/2012 MD 07/27/2012 FL 07/27/2012 FL 07/27/2012 MI 07/27/2012

Page 12

July 2012

MORTGAGE LOAN ORIGINATOR LICENSEES APPROVED OR REINSTATED IN JULY 2012

GRMA# NMLS# 35192 774958 35196 927812 35197 544564 35199 813664 35200 872176 35201 915748 35212 266901 35218 913439

CODE NAME

CITY

O Michael Joseph Ferrari

Roseville

O Nathan Robert Kinnear

Grosse Pointe Farms

O Erik Miller

Cumming

O Brandon Ronnie Dale Shipman Scottsdale

O Kathryn Laine Suich

Westland

O KAREN TAM

Lawrenceville

O Anthony Hani Alrihani

Farmington Hills

O Davis Adam Hayes

Scottsdale

ORIGINAL ST APPROVAL REINSTATED MI 07/27/2012 MI 07/27/2012 GA 07/27/2012 AZ 07/27/2012 MI 07/27/2012 GA 07/27/2012 MI 07/27/2012 AZ 07/27/2012

TOTAL: 284

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

GRMA# NMLS# CODE NAME

CITY

ST

14467 172752 B Jones & Veal Mobile Homes, Inc.

WAYCROSS

GA

20000 134650 B Rina Agency

DORAVILLE

GA

28735 266274 L ISGN Solutions, Inc. *

Rocky Hill

CT

31567 13999 L United Southwest Mortgage Corp, Inc. * Garden Grove CA

34260 175656 L American Portfolio Mortgage Corp

Palatine

IL

34375 882130 L House Your Credit, LLC

Lancaster

SC

34918 866089 B American Commercial Funding, LLC suwanee

GA

34878 840957 L CUW Solutions, LLC

Radnor

PA

34247 886839 L U.S Home Ownership, LLC

Morgan Hill

CA

34835 13589 L Platinum Home Mortgage Corporation Rolling Meadows IL

34847 839502 L Bexil American Mortgage Inc.

San Diego

CA

34919 112038 L Reverse Mortgage USA, Inc.

Austin

TX

ORIGINAL APPROVAL REINSTATED 03/12/1999 07/20/2012 02/11/2005 07/27/2012 08/27/2010 03/25/2011 07/06/2012 07/06/2012 07/13/2012 07/13/2012 07/20/2012 07/20/2012 07/20/2012 07/20/2012

TOTAL: 12

HOLIDAY CLOSING
This is a reminder that the Department will be closed on Monday, September 3rd for Labor Day.

July 2012
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 13
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.