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Act Fee Reminder Mortgage Call 3 Report Reminder Administrative 4 Actions Fine Information 4 Licenses 5 Revoked, Withdrawn or Expired Licenses Approved 6 or Reinstated Contact 13 Information Continuing Education Requirements for 2013 License Renewal: Reminder to Mortgage Loan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.