Monthly mortgage summary, Jan. 2013

Monthly
Mortgage Summary

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Monthly SummMaornytholyf SMuomrmtagraygoef AMcotritvgaitgieeAscftoivrittiehsefoPretrhieodPeErinodd iEnngdiJnagnAuparirly20200713

Inside this Issue:
New SAFE MLO 2 Test with Uniform State Component
to Start April 1, 2013
Georgia 2 Residential Mortgage Act Fee
Reminder
The Mortgage App 3 App
Administrative 4 Actions
Fine Information 4
Licenses Revoked, 4 Withdrawn or Expired
Licenses Approved 5 or Reinstated
Customer Service 11 Stars
Contact 12 Information

Mortgage Call Report Reminder
This is a reminder that the MCR required by O.C.G.A. Section 7-1-1004.1 is due within 45 days of the end of every calendar quarter. Fourth quarter data (October 1 December 31, 2012) must be filed through the NMLSR by February 14, 2013. Reporting is required even if no Georgia residential mortgage loans were made during the quarter.
Companies that fail to file quarterly MCRs prior to the deadline will be assessed a fine and may subject their Georgia license to revocation. Any outstanding fines owed to the Department must be paid through its secure website at: https://bkgfin.dbf.state.ga.us/MortgageDocs/MtgFinePay.html. For more information about the requirements surrounding the MCR, please refer to the NMLSR website at: http://mortgage.nationwidelicensingsystem.org/slr/common/mcr/Pages/default.aspx
NDFI Outreach AND UPCOMING SPEAKING ENGAGEMENTS
Commissioner Braswell and Deputy Commissioner for Non-Depository Financial Institutions
Rod Carnes will be speaking at the Mortgage Bankers Day at the Capitol on February 12th at the State Capitol.

"Safeguarding Georgia's Financial Services"

Page 2

January 2013

New SAFE MLO Test with Uniform State Component to Start April 1, 2013
On January 16, 2013, the Conference of State Bank Supervisors ("CSBS") announced that a new national MLO test with a uniform state component will be available on April 1, 2013. The new test administered by the NMLS is meant to streamline the licensing process for originators seeking to obtain licenses in multiple states.
With the implementation of the new National SAFE MLO Test with a uniform state component, 20 state agencies - including Georgia - will no longer require a state-specific test component as of April 1, 2013.
More information on the new National SAFE MLO Test with a uniform state component is available at: http://mortgage.nationwidelicensingsystem.org/profreq/testing/Pages/UniformStateTest.aspx.

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

January 2013

Page 3

The Mortgage App App

What could possibly be as quickly evolving as the world of mortgage industry regulation? Technology, of course! Within the last few years, there has been a boom in smartphone applications, or "apps" for short. The mortgage industry has embraced several apps that allow consumers to apply for mortgage loan applications using their mobile phones or other smart technology. Some might not consider the mortgage apps a stretch from online mortgage applications and e-signatures, which are already prevalent in some markets. The Form 1003 even provides space for the loan originator to specify whether the information provided was through a face-to-face interview, telephone interview, via fax or mail, or via email or the Internet. In moving toward technological innovations, it is important that licensees adequately consider any risks or potential compliance issues in using such apps that allow a device to quickly pull a credit report, download disclosures, and accept e-signatures.

Morgan Clemons is an attorney with the NonDepository Financial Institutions Division

THINGS TO CONSIDER WHEN USING A MORTGAGE APP OR ACCESSING A LOAN ORIGINATION SYSTEM REMOTELY THROUGH A MOBILE DEVICE:
CONFIDENTIALITY
Is the data secure? What happens if the device is stolen? The Form 1003 includes sensitive information
such as the borrower's social security number, birth date, and account numbers.
DISCLOSURES
Does the application allow an e-signature for each document or is one saved e-signature applicable to all
disclosures and other documents? If the signature is merely embedded into documents, can the company ensure that the consumer was made aware of the disclosures and intended to assent to each one? If not, the company may be increasing its risk of future litigation and regulatory action.
COMPANY POLICIES
Is the device an employer-issued device or the personal property of the MLO? Was the app purchased
by the employer or the employee? Is use of the app encouraged by the company or optional for each MLO to decide whether he prefers to use it or not? It is important that a mortgage company already have firm policies in place that are consistently applied to originators in case issues arise concerning the device and the information stored on it if the employment relationship is terminated or if the MLO loses his license.
RECORD-KEEPING COMPLIANCE
Will it be necessary to adjust policies and procedures in order to utilize such technology? For example,
will the company or MLO still adequately comply with the Department's rules concerning books and records under Rules 80-11-2-.01 and 80-11-5-.02 as well as the maintenance of mortgage loan files under Rule 80-11-2-.04?

One of Murphy's Laws on Technology states that "the only perfect science is hindsight." These are just a few things to contemplate when combining the highly-regulated mortgage industry with the ever-changing world of technology.

Page 4

January 2013

ADMINISTRATIVE ACTIONS
Cease and Desist Orders Which Became Final
1st Priority Loan Services, Inc., Atlanta, GA - Order to Cease and Desist issued 12/21/2012 became final
01/24/2013.
Alexander Financial Group, Inc., McDonough, GA - Order to Cease and Desist issued 12/27/2012
became final 01/29/2013.

Mortgage Loan Originator License Denials

IDNUM NMLS# NAME 35886 508501 William John May

CITY

ST

DENIED

Foothill Ranch CA 01/29/2013

Fine Information

FINE REASON AND COUNT

1 Fine for Books and Records 8 Fines for Renewal Filed Late 1 Fine for Check Returned for Insufficient Funds

23 Fines for Continuing Education Data Filed Late 1 Fine for Failure to Report Violations/Discharges

MORTGAGE LICENSES / REGISTRATIONS EXPIRED IN JANUARY 2013
A total of 905 licenses expired during the month, including 13 mortgage brokers, 10 mortgage lenders and 882 mortgage loan originators.
Due to the large number of license expirations in January 2013, a separate document is provided on the Department's website at: http://dbf.georgia.gov/documents/mortgage-licenses-registrations-expired-january-2013

January 2013

Page 5

MORTGAGE BROKER AND LENDER LICENSEES / REGISTRANTS REVOKED OR WITHDRAWN IN JANUARY 2013

GRMA# NMLS# CODE NAME

21151 4967

LD BNP Paribas Mortgage Corp.

20670 1110

RD Avelo Mortgage, LLC

TOTAL: 2

CITY New York Irving

ST REVOKED WITHDRAWN

NY

01/23/2013

TX

01/31/2013

MORTGAGE LOAN ORIGINATOR LICENSEES REVOKED OR WITHDRAWN IN JANUARY 2013

GRMA# NMLS# CODE NAME

32380 203178 OD Don Bartolomucci

34930 912426 OD Michael Andrew Schmit

29344 67003 OD Brian Jason Burnham

31296 94845 OD Jeffrey Louis Trout

24340 194895 OD Donald W. Powell

25000 183139 OD Melissa M. Hatchett

26777 7664

OD Chau Ngoc Lam

31630 51779 OD Joshua Kirk Erskine

25251 194344 OD Nina Eleanor Papageorge's

33021 172032 OD JOSEPH ALAN CARBONE

35562 905463 OD John William Leible

TOTAL: 11

CITY Windermere Maitland Aliso Viejo Charlotte Kennesaw Columbus IRVINE San Diego Dana Point St. Augustine Columbia

ST REVOKED WITHDRAWN

FL

01/03/2013

FL

01/08/2013

CA

01/11/2013

NC

01/11/2013

GA

01/23/2013

GA

01/23/2013

CA

01/23/2013

CA

01/25/2013

CA

01/31/2013

FL

01/31/2013

MO

01/31/2013

MORTGAGE BROKERS, LENDERS, PROCESSORS AND REGISTRANTS APPROVED OR REINSTATED IN JANUARY 2013

GRMA# NMLS# CODE NAME

CITY

20904 166493 B Hammer Mortgage, Inc.

Snellville

35608 184302 B Direct Home Loans, LLC

Charlotte

6933 169189 B Phoenix Global Mortgage Corporation + Atlanta

23097 65716

L MMW Holdings, LLC *

Gulf Breeze

36041 324220 L Ivy Mortgage, Inc.

Fulton

36278 1008813 B Signature Finance Co LLC

Flowery Branch

TOTAL: 6

ORIGINAL ST APPROVAL REINSTATED GA 11/18/2005 01/18/2013 NC 10/05/2012 01/18/2013 GA 06/17/1994 FL 01/18/2008 MD 01/11/2013 GA 01/25/2013

Page 6

January 2013

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN JANUARY 2013

ORIGINAL

GRMA# NMLS# CODE NAME

CITY

ST APPROVAL REINSTATED

27178 217311 O Jarad Brandon Brown

Savannah

GA 05/21/2010 01/04/2013

24910 255002 O David Howes Osborn

Atlanta

GA 03/12/2010 01/11/2013

26108 192537 O Michael Ray Randall

Toccoa

GA 05/07/2010 01/11/2013

27485 162330 O Scott A. Campbell

Marietta

GA 05/21/2010 01/11/2013

29363 29800

O William John Sharp

Sandy

UT 06/11/2010 01/11/2013

27484 275972 O Bill R. Campbell

Marietta

GA 08/06/2010 01/11/2013

30495 253308 O Thomas Modica

Miami Beach

FL 11/05/2010 01/11/2013

35037 917858 O Ronald E. Sluder

JESUP

GA 07/13/2012 01/11/2013

35213 905748 O Adam Duke Cardellino

Marietta

GA 08/03/2012 01/11/2013

29471 9124

O Thomas Russell Stratman

Evansville

IN 07/09/2010 01/18/2013

29465 169263 O Celeina Rhea Houston

Gainesville

GA 08/06/2010 01/18/2013

28910 227635 O Lisa Ann King

Brooks

GA 09/10/2010 01/18/2013

29135 35169

O Paul Alan Pierce

McRae

GA 09/30/2010 01/18/2013

31016 6084

O Jason Matthew Copeland

Atlanta

GA 01/28/2011 01/18/2013

31782 326978 O Bruce E. Wagner

Santa Ana

CA 05/06/2011 01/18/2013

26753 10008

O Gregory Michael Ganser

Middletown

RI 05/07/2010 01/25/2013

25393 166518 O Richard Price Hamilton

Tucker

GA 05/28/2010 01/25/2013

25407 166519 O Andrew David Mercer

Lilburn

GA 05/28/2010 01/25/2013

29222 245969 O Zachary Trout Vaughan

Sandy Springs

GA 07/09/2010 01/25/2013

29675 230588 O David William Willard

Lakeview

AL 07/09/2010 01/25/2013

29512 13002

O Anthony Robert Ditoma

ANNA

TX 07/16/2010 01/25/2013

27856 173444 O STEVEN LAURENCE YAP Canton

GA 07/23/2010 01/25/2013

25364 150443 O Cheryl Ann Whitehead-Parrish Chattanooga

TN 08/12/2010 01/25/2013

31820 174911 O dae il yi

Duluth

GA 03/11/2011 01/25/2013

32925 169832 O Lori Rosalie Rua

St Simons Island GA 11/25/2011 01/25/2013

33329 38771

O Steven Edward Medici

Anaheim Hills

CA 12/09/2011 01/25/2013

35506 931835 O Lucas Ross Hodges

Marietta

GA 09/14/2012 01/25/2013

35728 971058 O John Callaway Halliburton

Atlanta

GA 09/28/2012 01/25/2013

35800 395221 O Kristin Suzanne Hawkins

Newberry

FL 10/12/2012 01/25/2013

35882 308764 O Jason Lloyd Esposito

Boca Raton

FL 01/04/2013

36131 308369 O Rahsaan Malek Harding

Grand Prairie

TX 01/04/2013

36143 638231 O Jason Benjamin Rochefort

Brown Deer

WI 01/04/2013

36186 552567 O Shaun Patrick McGuire

Inver Grove Heights MN 01/04/2013

36217 118697 O Anthony Cusumano

Alpharetta

GA 01/04/2013

36221 962297 O Leonard John Snyder

smyrna

GA 01/04/2013

36241 930903 O Candice Taylor Dahlberg

Riverton

UT 01/04/2013

36243 279591 O Ollie Jair Flanagan

Cypress

TX 01/04/2013

36246 879960 O Cathi Lee Woods

Willis Point

TX 01/04/2013

36253 15735

O Samir Abdelaziz

Acworth

GA 01/04/2013

36254 1000852 O Christopher Michael Graves Gaithersburg

MD 01/04/2013

36259 1000867 O Benjamin Joseph Wolbert

Finksburg

MD 01/04/2013

36265 964489 O Eric Anthony Merrell

Woodhaven

MI 01/04/2013

36268 90042

O Charles Joseph Bieckert, Jr. Pylesville

MD 01/04/2013

36269 640487 O Justin John Borvansky

Denver

CO 01/04/2013

36271 299835 O Ryan Andrew DeVault

Strongsville

OH 01/04/2013

36272 976788 O Geoffrey Todd Fisher

Newport

RI 01/04/2013

January 2013

Page 7

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN JANUARY 2013

GRMA# NMLS# CODE NAME

36273 971721 O Robert Hardesty Hendley

36275 979973 O Russell Herbert Sonneborn

36276 984941 O Lauren Ashley Wisen

36283 967641 O John Michael DePaul

36284 991622 O Barbara L. Lane

36298 795415 O Lauren Patrese Jervis

36307 872554 O Michael Dailey Case

36316 392022 O Scottie Lynn Taylor

36317 857991 O Stephen John Veltrop, Jr.

36037 430013 O Rodgerick Walker

36142 929780 O Travis Benjamin Press

36157 202551 O Carita Deshaun Bowers

36245 659069 O Pattie A. Wainright

36264 998367 O Jason Floyd Lind

36267 544481 O Kathy Vitali

36302 945819 O Karla Janece Pereyra

36335 506165 O Darrell John Edquist

36381 552570 O Debbie R. Brackett

30468 334865 O Dianna Jane Davenport

36179 37412

O Jeffrey Lee Evans

36201 173816 O Laszlo Sandor Molnar

36216 964800 O Jonathan Brooks Clark

36219 985078 O Faye Ann Lietz

36257 957466 O Paul Dante Moglia

36258 1000855 O Lewis Banks Winward

36260 892330 O Kawanna Wright

36266 902201 O Andrew Douglas Ouellette

36270 984838 O Jeremy Steven Bowling

36285 1003876 O Scott Winslow Reinauer

36294 976019 O Kellie Marie Parr

36309 964981 O David Michael Jonas

36310 378209 O Michael Kennedy

36311 552569 O Jeffrey Mark Kremer

36312 998912 O Ronica An Minc

36318 984505 O Colton Robert Weaver

36321 971647 O Marianne Veronica Antonelli

36322 1001107 O Andrew Scott Coleman

36323 970700 O Brian Joseph D'Amelio

36324 993542 O Patrick Michael Decker

36325 971646 O Joseph Philip Deitch, Jr.

36328 984687 O Brandon James Pach

36329 971276 O Jeremy Adam Zacks

36331 1000857 O Jared Santinomirabile Arminger

36334 880459 O Matthew Louis Burke

36336 971648 O James Joseph Maher

36337 971641 O Roman Milo Mastrogiacomo

CITY Lawrenceville Rocklin Madison Ambler Lithonia Atlanta Knoxville Knoxville Columbia Little Elm Denver Atlanta Savannah Salt Lake City Woodstock Cerritos Alpharetta Valley Brooklyn Park Irvine LADERA RANCH Russellville Shelby Twp Portland Hockessin Morrisville Livonia Cleveland Laguna Niguel Winter Springs Shawnee Powell Chanhasaen Marietta Eldersburg Deptford Baltimore Levittown Jacksonville Horsham Commerce Bloomfield Hills Bethesda Macomb Glenside Marlton

ORIGINAL ST APPROVAL REINSTATED GA 01/04/2013 CA 01/04/2013 OH 01/04/2013 PA 01/04/2013 GA 01/04/2013 GA 01/04/2013 TN 01/04/2013 TN 01/04/2013 MO 01/04/2013 TX 01/11/2013 CO 01/11/2013 GA 01/11/2013 GA 01/11/2013 UT 01/11/2013 GA 01/11/2013 CA 01/11/2013 GA 01/11/2013 AL 01/11/2013 MN 01/18/2013 CA 01/18/2013 CA 01/18/2013 AL 01/18/2013 MI 01/18/2013 OR 01/18/2013 DE 01/18/2013 NC 01/18/2013 MI 01/18/2013 OH 01/18/2013 CA 01/18/2013 FL 01/18/2013 KS 01/18/2013 OH 01/18/2013 MN 01/18/2013 GA 01/18/2013 MD 01/18/2013 NJ 01/18/2013 MD 01/18/2013 PA 01/18/2013 FL 01/18/2013 PA 01/18/2013 MI 01/18/2013 MI 01/18/2013 MD 01/18/2013 MI 01/18/2013 PA 01/18/2013 NJ 01/18/2013

Page 8

January 2013

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN JANUARY 2013

GRMA# NMLS# CODE NAME

36338 971642 O Dennis James McLaughlin

36339 891308 O William Robert Monette

36345 957960 O Logan Riley Elfreich

36346 368012 O Adam David French

36347 954606 O Danielle Nicole Graham

36349 964122 O Benjamin Joseph Popp

36350 271581 O Glenn Steven Rosso

36354 363947 O Steven Ira Abramson

36355 984438 O Thomas Daniel Casey

36357 984451 O Amie Beth Coulter

36359 873979 O Deana Gay DeLaura

36361 997041 O Kory Chandler Kough

36363 872140 O Steven Lawrence Ording

36364 825636 O Derek Michael Wheeler

36365 1000871 O Ryan Christopher White

36366 403395 O Andrew Wilson Beckett

36369 1000732 O Thomas Martin Gill

36371 971637 O Ricky Peou

36372 966463 O James Randal Price

36373 1000716 O Matthew Lee Scrogham

36374 974120 O Gregory Henry Steinberger

36376 671930 O Dina Jean Terilla

36383 984999 O Jefferey Vance Martin

36387 1000861 O Christopher Michael Brinker

36389 26834

O Thad Justin Endress

36395 999266 O Nicholas Lawrence Watson

36400 197957 O Gregory Carr

36402 668001 O Richard Aaron Helali

36409 988963 O Patrick George Wiggs

36413 981383 O Carlos Antonio Almendares

24422 241505 O Sherry Hale

27244 157674 O Cynthia M. Snipes

30472 359793 O Wendy O'Shield Lyles

31100 210812 O Mohammed Rafiquzzaman

33014 321174 O Peter Norman Legaspi

34344 212623 O Gil Tuinenburg

36043 968326 O Miranda Angela Burgess

36048 872136 O Daniel Robert Hoehn

36117 35722

O Richard Harry Watson

36209 8610

O Regina Kostin

36261 6551

O Scott Nathan Beckwith

36277 984944 O Glen Stuart Woodward

36282 981408 O Karl Nikita Anderson

36286 924701 O Michael Paul Zimmerman

36296 319001 O Krista Knippers Allred

36297 412407 O Jaslin Chahal

CITY Jenkintown Taylor Jacksonville Farmington Hills Atlantic Beach Plymouth VA BEACH Olney Clinton Twp. Ferndale Flower Mound Costa Mesa Detroit St Petersburg Annapolis Columbia Louisville Levittown Marlton Louisville Haddonfield Berlin Bainbridge Columbia Twinsburg Rochester Santa Ana Los Angeles Hiram Newport Beach Acworth Decatur Virginia Beach Norcross Leawood Mission Viejo LAKE HUGHES Livonia Westmont Wheeling Alpharetta Detroit Atlanta Chesapeake Tampa Lawrenceville

ORIGINAL ST APPROVAL REINSTATED PA 01/18/2013 MI 01/18/2013 FL 01/18/2013 MI 01/18/2013 FL 01/18/2013 MI 01/18/2013 VA 01/18/2013 MD 01/18/2013 MI 01/18/2013 MI 01/18/2013 TX 01/18/2013 CA 01/18/2013 MI 01/18/2013 FL 01/18/2013 MD 01/18/2013 MO 01/18/2013 KY 01/18/2013 PA 01/18/2013 NJ 01/18/2013 KY 01/18/2013 NJ 01/18/2013 NJ 01/18/2013 GA 01/18/2013 MD 01/18/2013 OH 01/18/2013 MI 01/18/2013 CA 01/18/2013 CA 01/18/2013 GA 01/18/2013 CA 01/18/2013 GA 01/25/2013 GA 01/25/2013 VA 01/25/2013 GA 01/25/2013 KS 01/25/2013 CA 01/25/2013 CA 01/25/2013 MI 01/25/2013 NJ 01/25/2013 IL 01/25/2013 GA 01/25/2013 MI 01/25/2013 GA 01/25/2013 VA 01/25/2013 FL 01/25/2013 GA 01/25/2013

January 2013

Page 9

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN JANUARY 2013

GRMA# NMLS# CODE NAME

36300 981390 O Douglas Lloyd Leeper

36301 354847 O Christopher Jason Lewis

36303 640484 O Bridgette Althen Sweet

36308 133146 O Chad William Fleener

36313 984508 O David Michael Parks

36326 872784 O Mark Edward Dubyoski

36327 975132 O Jared Thomas Greager

36332 902996 O Mark Barry

36348 970440 O Diego Lopez

36352 984900 O Rex Everett Christner, Jr.

36353 861161 O Kareem Ayad Ghandour

36356 970703 O Nathaniel Cooper, Jr.

36360 325581 O Chasie Shane Jacobs

36375 980299 O Eric Lee Stone

36382 206674 O Jeffrey Dennis Buchweitz

36384 1003758 O Michele Stewart

36385 954189 O Joshua Michael Wagner

36386 56123

O Zachary Daniel Boyle

36388 276882 O Thomas Wesley Culbreth

36390 902654 O Alexander Hartley Gift

36393 621077 O Joseph Alan Neeley

36394 893635 O Katie Michelle Villanueva

36399 1001089 O Jason Eric Brown

36401 64469

O Joseph Daniel Germany

36407 992647 O Philip Charles Rorabaugh

36412 835471 O Uzma Jilani Afzal

36415 992910 O Theodore Alan Harkness

36416 992649 O Leah Marie Hatcher

36418 8598

O Barbara Mary Hood

36419 625368 O Lloyd Ray Howell

36422 1013916 O Catherine Williams Meadows

36427 891322 O Fadey Talal Samhan

36429 975131 O Kevin Thomas Wilson

36430 872161 O Brian Andrew Elwood

36431 975342 O Jamie Marie Ellison Federico

36434 891513 O Kirk Robert Karem, Jr.

36435 375686 O Lee Michael Kulick

36437 973822 O Benjamin Bayrd O'Leary

36438 414487 O Michelle Renee Pellum

36440 233529 O Victoria Lynn West

36443 924532 O Tamara Charmaine Gillespie

36446 999025 O Jessica Lois Leskun

36448 348279 O Jose Alvaro Antonio Monteza

36450 1000002 O Joseph James Putnam

36451 848513 O Anthony Robert Riccio, III

36452 273893 O Raman Saggar

ORIGINAL

CITY

ST APPROVAL REINSTATED

Olathe

KS 01/25/2013

Canton

GA 01/25/2013

Denver

CO 01/25/2013

Charlotte

NC 01/25/2013

Baltimore

MD 01/25/2013

Joppa

MD 01/25/2013

West Berlin

NJ 01/25/2013

Johns Creek

GA 01/25/2013

Richardson

TX 01/25/2013

Denver

CO 01/25/2013

Dearborn

MI 01/25/2013

Sicklerville

NJ 01/25/2013

Dunn

NC 01/25/2013

Jacksonville

FL 01/25/2013

Roswell

GA 01/25/2013

Canton

GA 01/25/2013

Denver

CO 01/25/2013

West Babylon

NY 01/25/2013

Snellville

GA 01/25/2013

Louisville

KY 01/25/2013

Dallas

TX 01/25/2013

Louisville

KY 01/25/2013

Roswell

GA 01/25/2013

Mcdonough

GA 01/25/2013

Jacksonville

FL 01/25/2013

Corona

CA 01/25/2013

St.Johns

FL 01/25/2013

Jacksonville

FL 01/25/2013

Arlington Heights IL 01/25/2013

Chandler

AZ 01/25/2013

Athens

GA 01/25/2013

Okemos

MI 01/25/2013

Mount Laurel

NJ 01/25/2013

Livonia

MI 01/25/2013

Jacksonville

FL 01/25/2013

Waterford

MI 01/25/2013

Mission Viejo

CA 01/25/2013

Mountain Lakes NJ 01/25/2013

Hoschton

GA 01/25/2013

Thousand Oaks CA 01/25/2013

Belton

MO 01/25/2013

Detroit

MI 01/25/2013

Jacksonville

FL 01/25/2013

Columbia

MO 01/25/2013

Irvine

CA 01/25/2013

San Clemente

CA 01/25/2013

Page 10

January 2013

MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN JANUARY 2013

GRMA# NMLS# CODE NAME 36456 1000429 O Bert Matthew Abraham 36458 909324 O Charles Brainard Davis 36459 995776 O Lynne Smith Jones 36460 1008021 O Zachary Aaron Leasure 36463 891547 O Stacey Lynn Minard 36464 1000719 O Greggory Martin Monroe 36465 531722 O Marco Antonio Munoz 36466 394444 O Nicholas Samuel Palermo 36467 984909 O Aram Faroug Shwani 36468 999233 O William Bryant Singleton 36469 296395 O Shawn Lee Snyder 36470 1000729 O Katelyn Lee Spivey 36475 134462 O David Joseph Bryce 36480 1001459 O Keith Barrett Shetler 36485 388855 O William George Evans, Jr. 36492 995766 O Kirstin Elysse Nessler 36493 980805 O Lorraine Ponce 36501 1003944 O Jeffrey James Honey 36505 999298 O Lisa Van Nguyen 36509 966460 O Patrick Joseph Zigler 36518 858290 O Latisha Melinda Lezama 36519 767369 O Jimmy R. Manning 36530 995758 O Alex Michael Curran 36532 379296 O Elmer Joseph Esquibel, Jr. 36534 196286 O Kyle Chapman Howard 36537 820539 O Susanne Franklin Roman 36538 796993 O Benjamin Harry Shetley 36547 1001474 O Jonathan Archie Arroyo 36550 967864 O David Markart Erwin 36552 999407 O Daniel Lee Herman 36557 937809 O Alexandre Michael Olivera 36565 970358 O Brian Michael Dodge 36569 984130 O Jenny Alice Lee

ORIGINAL

CITY

ST APPROVAL REINSTATED

Gainesville

GA 01/25/2013

Villa Park

CA 01/25/2013

Atlanta

GA 01/25/2013

Catonsville

MD 01/25/2013

Marysville

MI 01/25/2013

Louisville

KY 01/25/2013

santa ana

CA 01/25/2013

Rocky Hill

CT 01/25/2013

glendale

AZ 01/25/2013

Waterford

MI 01/25/2013

Vernon

CT 01/25/2013

Louisville

KY 01/25/2013

Bear

DE 01/25/2013

Saint Petersburg FL 01/25/2013

New Orleans

LA 01/25/2013

Jacksonville

FL 01/25/2013

Pasadena

CA 01/25/2013

Lee's Summit

MO 01/25/2013

Lewisville

TX 01/25/2013

Highwood

IL 01/25/2013

Dunwoody

GA 01/25/2013

Smyrna

GA 01/25/2013

Jacksonville

FL 01/25/2013

Parker

CO 01/25/2013

Queen Creek

AZ 01/25/2013

Sun City

AZ 01/25/2013

Columbia

MO 01/25/2013

Tampa

FL 01/25/2013

Ambler

PA 01/25/2013

New Baltimore

MI 01/25/2013

Mission Viejo

CA 01/25/2013

Yorba Linda

CA 01/25/2013

Santa Ana

CA 01/25/2013

TOTAL: 217

January 2013

Page 11

CUSTOMER SERVICE STARS
It is the Department's goal to provide excellent customer service by meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individuals and/or teams for going above and beyond in serving our customers:
Review Examiner Deborah Long The Department received comments from a customer stating: "I would like to thank Ms. Deborah Long for assisting me in getting my branch processed and set up. Every time that I work with her she is extremely helpful and pleasant. Thank you again Ms. Long."

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

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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

January 2013
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.