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Mortgage Act Fee Reminder The Mortgage App 3 App Administrative 4 Actions Fine Information 4 Licenses Revoked, 4 Withdrawn or Expired Licenses Approved 5 or Reinstated Customer Service 11 Stars Contact 12 Information Mortgage Call Report Reminder This is a reminder that the MCR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!! Page 12 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.