[Federal Register Volume 61, Number 231 (Friday, November 29, 1996)]
[Notices]
[Pages 60715-60721]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 96-30500]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-4051-N-03]


Mortgagee Review Board Administrative Actions

AGENCY: Office of the Assistant Secretary for Housing--Federal Housing 
Commissioner, HUD.

ACTION: Notice.

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SUMMARY: In compliance with Section 202(c) of the National Housing Act, 
notice is hereby given of the cause and description of administrative 
actions taken by HUD's Mortgagee Review Board against HUD-approved 
mortgagees.

FOR FURTHER INFORMATION CONTACT: Morris E. Carter, Director, Office of 
Lender Activities and Program Compliance, 451 Seventh Street, SW, 
Washington, DC 20410, telephone (202) 708-1515. (This is not a toll-
free number. A Telecommunications Device

[[Page 60716]]

for Hearing and Speech-impaired Individuals (TTY) is available at 1-
800-877-8339 (Federal Information Relay Service).

SUPPLEMENTARY INFORMATION: Section 202(c)(5) of the National Housing 
Act (added by Section 142 of the Department of Housing and Urban 
Development Reform Act of l989 (Pub.L. 101-235), approved December 15, 
1989, requires that HUD ``publish in the Federal Register a description 
of and the cause for administrative action against a HUD-approved 
mortgagee'' by the Department's Mortgagee Review Board. In compliance 
with the requirements of Section 202(c)(5), notice is hereby given of 
administrative actions that have been taken by the Mortgagee Review 
Board from July 1, 1996 through September 30, 1996.

1. Waters Mortgage Corporation, Plantation, Florida

    Action: Withdrawal of HUD-FHA mortgagee approval and a proposed 
civil money penalty of $214,000.
    Cause: A HUD Office of Inspector General Audit that disclosed 
violations of HUD-FHA Section 203(k) program requirements that 
included: alleged false statements to HUD-FHA concerning the source of 
mortgagors' downpayments and the amount paid for property; charging 
ineligible/unsupported fees; permitting ineligible consultant fees to 
be included in mortgage amounts; improper underwriting; property 
rehabilitation work not timely completed; and failure to verify 
mortgagor assets to close loans.
    In addition, a HUD monitoring review by the Quality Assurance 
Division that cited violations of the Section 203(k) program that 
included: miscalculating the maximum mortgage amounts; permitting the 
mortgagor entity to circumvent the required investment; violating HUD's 
7 unit limitation; making unauthorized disbursements from 
Rehabilitation Escrow Accounts; increasing the Department's inability 
by obtaining HUD-FHA mortgage insurance on defaulted loans and 
increasing the mortgage amounts; and improperly advising the Department 
that certain defaulted loans had been paid in full and the HUD-FHA 
mortgage insurance terminated.

2. Provident Home Mortgage Corporation, El Segundo, California

    Action: Withdrawal of HUD-FHA mortgagee approval and a proposed 
civil money penalty in the amount of $50,000.
    Cause: A HUD monitoring review that disclosed violations of HUD-FHA 
requirements that included: failure to remit to HUD-FHA Up-Front 
Mortgage Insurance Premiums (UFMIPs); failure to provide evidence that 
UFMIPs have been remitted to HUD-FHA; failure to provide dates of 
payment of UFMIPs evidencing the timeliness of payment; failure to 
maintain an acceptable Quality Control Plan for the origination of HUD-
FHA insured mortgages; failure to comply with the reporting 
requirements under the Home Mortgage Disclosure Act (HMDA); failure to 
properly maintain loan records; and failure to timely submit loans to 
HUD-FHA for insurance endorsement.

3. FT Mortgage d/b/a Carl I. Brown Company, Dallas, Texas

    Action: Settlement Agreement that includes indemnification to HUD-
FHA for any claim losses in connection with 94 improperly originated 
HUD-FHA insured mortgages and 15 Title I loans; payment to the 
Department in the amount of $88,000; and corrective action to assure 
compliance with HUD-FHA requirements.
    Cause: A HUD monitoring review that cited violations of HUD-FHA 
Section 203(k) program requirements and the Title I property 
improvement loan program requirements including: failure to conduct 
face-to-face interviews with prospective borrowers; submission of 
alleged false inspection reports stating that 203(k) rehabilitation 
work had been completed; submission of appraisal reports citing values 
that were overinflated; submission of 203(k) rehabilitation plans 
containing work items that were reflected on the appraisal reports; 
failure to properly document the borrowers source of funds to close the 
transactions; failure to adequately determine the borrowers' 
acquisition cost; failure to properly originate Title I home 
improvement loans; permitting the same individual to complete the 
appraisal reports, prepare 203(k) rehabilitation plans, and perform 
compliance inspections on the completed rehabilitation work, failure to 
properly calculate maximum mortgage amounts; approving and closing a 
loan program that was not eligible under the 203)k) program; and 
approving a qualifying loan assumption using an alleged false 
Verification of Employment form.

4. Stuart-Wright Mortgage Banker, La Palma, California

    Action: Settlement Agreement that includes: indemnification to the 
Department in connection with 37 improperly originated HUD-FHA insured 
mortgages; a buydown of 46 overinsured mortgages; payment of a civil 
money penalty in the amount of $32,000; and corrective action to assure 
compliance with HUD-FHA requirements.
    Cause: A HUD monitoring review that disclosed violations of HUD-FHA 
requirements that included: use of alleged false gift letters; 
approving mortgagors that did not meet minimum investment requirements; 
use of funds provided by sellers and/or real estate agents for 
downpayments and/or closing costs; permitting pre-release of escrow 
deposits with subsequent redeposit for the benefit of the mortgagors; 
permitting unexplained distributions to be reflected on HUD-1 
Settlement Statements; failure to implement and maintain an adequate 
Quality Control Plan; failure to verify mortgagors' source of funds 
used to close the transaction; and failure to report program violations 
to HUD-FHA.

5. Vanderbilt Mortgage and Finance, Inc., Knoxville, Tennessee

    Action: Settlement Agreement that includes: submission of accurate 
loan data to the Department under the Home Mortgage Disclosure Act 
(HMDA); payment of a civil money penalty in the amount of $5,000; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Submission of inaccurate data to HUD-FHA under HMDA.

6. Kaufman and Broad Mortgage Company, Woodland Hills, California

    Action: Settlement Agreement that includes: submission of accurate 
loan data to the Department under the Home Mortgage Disclosure Act 
(HMDA); payment of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Submission of inaccurate data to HUD-FHA under HMDA.

7. Dollar Mortgage Corporation d/b/a Heritage West Mortgage, La 
Mesa, California

    Action: Settlement Agreement that includes: submission of accurate 
loan data to the Department under the Home Mortgage Disclosure Act 
(HMDA); payment of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Submission of inaccurate data to HUD-FHA under HMDA.

8. Home Owners Funding Corp., Bloomington, Minnesota

    Action: Proposed Settlement Agreement that would include: payment 
to the Department of a civil money penalty in the amount of $2,500; and

[[Page 60717]]

corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Failure to timely submit HMDA loan data to HUD-FHA.

9. Shelter Mortgage Services, Inc., Haddonfield, New Jersey

    Action: Settlement Agreement that includes: payment to the 
Department of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Failure to timely submit HMDA loan data to HUD-FHA.

10. Amerifirst Financial, Inc., Mesa, Arizona

    Action: Settlement Agreement that includes: payment to the 
Department of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA requirements under 
HMDA.
    Cause: Failure to timely submit HMDA loan data to HUD-FHA.

11. Lovell & Malone, Inc., Nashville, Tennessee

    Action: Proposed Settlement Agreement that would include: payment 
to the Department of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Failure to timely submit HMDA loan data to HUD-FHA.

12. Parmann Mortgage Associates, Inc., Ramsey, New Jersey

    Action: Settlement Agreement that includes: payment to the 
Department of a civil money penalty in the amount of $2,500; and 
corrective action to assure compliance with HUD-FHA reporting 
requirements under HMDA.
    Cause: Failure to timely submit HMDA loan data to HUD-FHA.

13. Bankers Affiliated Mortgage, Inc., Riverside, California

    Action: Withdrawal of HUD-FHA mortgagee approval.
    Cause: Failure to meet HUD-FHA financial requirements for approval 
as a mortgagee.

14. S&S Financial, Inc., Woodland Hills, California

    Action: Withdrawal of HUD-FHA mortgagee approval.
    Cause: Failure to submit an acceptable audited annual financial 
statement.

15. Mortgagees and Title I Lenders That Failed To Comply With HUD-FHA 
Requirements for the Submission of an Audited Annual Financial 
Statement and/or Payment of the Annual Recertification Fee

    Action: Withdrawal of HUD-FHA mortgagee approval and Title I lender 
approval.
    Cause: Failure to submit to the Department the required annual 
audited financial statement and/or remit the required annual 
recertification fee.
    Mortgagees Withdrawn: FIRST NATIONAL BANK, OSCEOLA, AR; HOME 
FEDERAL SAVINGS AND LOAN, JONESBORO, AR; SECURITY BANK CONWAY FSB, 
CONWAY, AR; BANK OF CABOT, CABOT, AR; MERCHANTS NATIONAL BANK, FORT 
SMITH, AR; TRANSAMERICA OCCIDENTAL LIFE INSURANCE, LOS ANGELES, CA; SAN 
FRANCISCO FEDERAL SAVINGS, SAN FRANCISCO, CA; HOUSEHOLD BANK FSB, WOOD 
DALE, IL; FIRST NATIONAL BANK FT COLLINS, FORT COLLINS, CO; GREAT 
COUNTRY BANK, ANSONIA, CT; PAN AMERICAN MORTGAGE CORP, MIAMI, FL; 
AMERICAN BANK OF THE SOUTH, MERRITT ISLAND, FL; AMERICAN MORTGAGE CORP-
SOUTH, MERRITT ISLAND, FL; ANDREW JACKSON SAVINGS BANK, GAINESVILLE, 
FL; ANDREW JACKSON SAVINGS BANK, TALLAHASSEE, FL; MIDDLE GEORGIA BANK, 
BYRON, GA; FIRST SAVINGS BANK, DANVILLE, IL; FIRST NATIONAL BANK 
SPRINGFIELD, SPRINGFIELD, IL; HERITAGE PULLMAN BANK AND TRUST, CHICAGO, 
IL; FIRST BANK AND TRUST COMPANY, MOUNT VERNON, IL; FIRST NATIONAL BANK 
CHICAGO, CHICAGO, IL; HERITAGE BANK BLUE ISLAND, TINLEY PARK, IL; NORTH 
FEDERAL SAVINGS BANK; CHICAGO, IL; HARRIS BANK NAPERVILLE, NAPERVILLE, 
IL; NBD BANK NA, INDIANAPOLIS, IN; STAR FINANCIAL BANK-COLUMBIA, 
COLUMBIA CITY, IN; CITIZENS BANK WESTERN INDIANA, TERRE HAUTE, IN; 
FIRSTAR BANK COUNCIL BLUFFS, COUNCIL BLUFFS, IA; FIRSTAR BANK SIOUX 
CITY, SIOUX CITY, IA; PELLA NATIONAL BANK, PELLA, IA; IOWA STATE 
SAVINGS BANK, CLINTON, IA; CENTRAL NATIONAL BANK, JUNCTION CITY, KS; 
MANHATTAN NATIONAL BANK, MANHATTAN, KS; UNITED KANSAS BANK AND TRUST, 
MERRIAM, KS; CITIZENS NATIONAL BANK, PAINTSVILLE, KY; NATIONAL CITY 
BANK, ASHLAND, KY; BANK OF MURRAY, MURRAY, KY; FARMERS DEPOSIT BANK, 
FLEMINGSBURG, KY; LIBERTY NATIONAL BANK AND TRUST, RADCLIFF, KY; LONDON 
BANK AND TRUST COMPANY, LONDON, KY; CITIZENS NATIONAL BANK, HAMMOND, 
LA; FIRST NATIONAL BANK ST MARY PA, MORGAN CITY, LA; NATIONAL MORTGAGE 
CORP, BATON ROUGE, LA; LOYOLA FSB, BALTIMORE, MD; CAPE COD BANK AND 
TRUST COMPANY, HYANNIS, MA; JOHN HANCOCK MUTUAL INSURANCE CO, BOSTON, 
MA; WARE CO-OPERATIVE BANK, WARE, MA; STATE STREET BANK AND TRUST CO, 
BOSTON, MA; PAUL REVERE PROTECT LIFE INSURANCE, WORCESTER, MA; PAUL 
REVERE VARIABLE ANNUAL INSURANCE CO, WORCESTER, MA; OLD KENT BANK-
SOUTHWEST, KALAMAZOO, MI; OLD KENT BANK BIG RAPIDS, BIG RAPIDS, MI; 
SAULT BANK, SAULT SAINTE MARIE, MI; ANCHOR FEDERATED, MUSKEGON, MI; 
ANCHOR FEDERATED, GRAND RAPIDS, MI; COMMERCIAL STATE BANK, ST. PAUL, 
MN; GOODHUE COUNTY NATIONAL BANK, RED WING, MN; CENTER NATIONAL BANK, 
LITCHFIELD, MN; FIRST NATIONAL BANK, NORTHFIELD, MN; FIRST NATIONAL 
BANK, BAUDETTE, MN; STATE BANK OF COKATO, COKATO, MN; CITIZENS STATE 
BANK ST. LOUIS PARK, ST. LOUIS PARK, MN; INVESTORS SAVINGS BANK FSB, 
WAYZATA, MN; FIRST FEDERAL BANK FOR SAVINGS, STARKVILLE, MS; BAILEY 
MORTGAGE COMPANY, JACKSON, MS; SOUTHTRUST BANK SOUTH MISSISSIPPI, 
BILOXI, MS; COMMERCE BANK POPLAR BLUFF NA, POPLAR BLUFF, MO; AMERIFIRST 
BANK, SIKESTON, MO; FIRST NATIONAL BANK SIKESTON, SIKESTON, MO; CITY 
NATIONAL SAVINGS ALA, JEFFERSON CITY, MO; FIRST INTERSTATE BANK-MONTANA 
NA, KALISPELL, MT; BANK OF MONTANA BUTTE, BUTTE, MT; FIRSTIER BANK NA 
OMAHA NE, OMAHA, NE; FIRST BANK, OMAHA, NE; SOUTHWEST BANK AND TRUST 
COMPANY OMAHA, OMAHA, NE; PROVIDENT FEDERAL SAVINGS BANK, LINCOLN, NE; 
NFS SAVINGS BANK, NASHUA, NH; FIRST NATIONAL BANK PORTSMOUTH, 
PORTSMOUTH, NH; BANKERS COOP MORTGAGE SERVICES, BEDFORD, NH; 
INTERNATIONAL STATE BANK, RATON, NM; SUNWEST BANK OF ROSWELL NA, 
ROSWELL, NM; FIRST NATIONAL BANK, CLOVIS, NM; SUN WORLD FEDERAL SAVINGS 
BANK, ALAMOGORDO, NM; ALBUQUERQUE NM UNION SAVINGS BANK, ALBUQUERQUE, 
NM; WYOMING

[[Page 60718]]

COUNTY BANK, WARSAW, NY; CHASE MANHATTAN BANK NA PR, HATO REY, PR; 
RIVER BANK AMERICA, NEW ROCHELLE, NY; INTERNATIONAL LADIES GAR WK UN, 
NEW YORK, NY; PENSION FUND LOCAL 1 AMALG LITH, NEW YORK, NY; MORGAN 
STANLEY MTG CAPITAL INC, NEW YORK, NY; FIRST STATE BANK, CAVALIER, ND; 
FIRST SOUTHWEST BANK-MANDAN, MANDAN, ND; STUTSMAN COUNTY STATE BANK, 
JAMESTOWN, ND; BANK OF TIOGA, TIOGA ND, BANK ONE MARIETTA NA, MARIETTA 
OH, FIRST BANK OF OHIO TIFFIN, TIFFIN, OH; MUTUAL FEDERAL SAVINGS BANK 
MI, MIAMISBURG, OH; WESTSTAR BANK NA, BARTLEVILLE, OK; MINERSVILLE SAFE 
DEPOSIT BANK, MINERSVILLE, PA; GERMANTOWN SAVINGS BANK, BALA CYNWYD, 
PA; LINCOLN SAVINGS BANK, CARNEGIE, PA; FIRST KEYSTONE FEDERAL SAVINGS, 
MEDIA, PA; CENTRAL PENNSYLVANIA SAVINGS, SHAMOKIN PA, GRANGER O HARA 
MORTGAGE, FLORENCE, SC; FIRST NATIONAL BANK SHELBYVILLE, SHELBYVILLE, 
TN; COFFEE COUNTY BANK, MANCHESTER, TN; TENNESSEE COMUNITY BANK, 
COVINGTON, TN; CORPUS CHRISTI NATIONAL BANK, CORPUS CHRISTI, TX; PARKER 
SQUARE BANK NA, WICHITA FALLS, TX; ZIONS FIRST NATIONAL BANK, SALT LAKE 
CITY, UT; AMERIBANC SAVINGS BANK, ANNANDALE, VA; MUTUAL MORTGAGE 
CORPORATION, VIENNA, VA; YAKIMA FEDERAL SAVINGS AND LOAN, YAKIMA, WA; 
FIRST INTERSTATE BANK WASH NA, SEATTLE, WA; WEST BEND SAVINGS BANK, 
WEST BEND, WI; FIRSTAR BANK MILWAUKEE NA, WAYZATA, MN; FIRST WISCONSIN 
NATIONAL BANK, OSHKOSH, WI; CITY BANK, HONOLULU, HI; FPI MORTGAGE 
COMPANY, SACRAMENTO, CA; ARCS MORTGAGE INC, CALABASAS, CA; NORWEST-
DIRECTORS MTG LN CORP, RIVERSIDE, CA; TRANSAMERICA LF INS ANNUITY CO, 
LOS ANGELES, CA; LA CRUMBRE SAVINGS BANK, SANTA BARBARA, CA; GOLDEN OAK 
BANK, OAKHURST, CA; TST HARMS INC, JACKSONVILLE, FL; HOME BANK OF 
TENNESSEE, DUCKTOWN, TN; AMERICAN BANK AND TR COUSHATTA, COUSHATTA, LA; 
GREAT NORTHERN MORTGAGE CO, ROLLING MEADOWS, IL; TEXAS BANK, ODESSA, 
TX; UNITED SAVINGS BANK, LEBANON, MO; BOATMENS FIRST NATIONAL BANK, 
OKLAHOMA CITY, OK; UNITED SECURITY BANK, SPOKANE, WA; FIRST STATE BANK, 
ALEXANDRIA, MN; MERCHANTS AND FARMERS BANK TR, LEESVILLE, LA; UNIVERSAL 
NATIONAL BANK, MIAMI, FL; ALCOLA MORTGAGE CORPORATION, HUNTINGTON 
BEACH, CA; NATURE COAST MORTGAGE INC, BROOKSVILLE, FL; CAPP MORTGAGE 
INC, SEVIERVILLE, TN; FOUNDERS BANK OF ARIZONA, SCOTTSDALE, AZ; FIRSTAR 
BANK MILWAUKEE NA, MILWAUKEE, WI; SOUTHTRUST BANK DECATUR, DECATUR, AL; 
BAY FEDERAL SAVINGS AND LOAN, BALTIMORE, MD; THATCHER BANK FSB, SALIDA, 
CO; COMMUNITY BANK PETTIS COUNTY, SEDALIA, MO; WESTBAY CAPITAL, NEWPORT 
BEACH, CA; BANK OF SCOTTSDALE, SCOTTSDALE, AZ; EL CAPITAN NATIONAL 
BANK, SONORA, CA; SUNSET CREDIT SERVICES, SANTA FE SPRINGS, CA; DEVIN 
REALTY INC, BOULDER, CO; BANK OF FLORIDA IN MIAMI, MIAMI, FL; SOUTHERN 
NATIONAL BANK OF NC, WINSTON-SALEM, NC; EMPIRE MORTGAGE COMPANY INC, 
SPRINGFIELD, MO; DLJ MORTGAGE CAPITAL INC, NEW YORK, NY; CITIZENS 
GUARANTY BANK, IRVINE, CA; PALMER AMERICAN NATIONAL BANK, DANVILLE, IL; 
NORTHERN TRUST BANK OHARE NA, CHICAGO, IL; PEOPLES BANK WESTERN PA, NEW 
CASTLE, PA; EQUITY NATIONAL MORTGAGE GROUP, OKLAHOMA CITY, OK; BARNETT 
BANK OF ATLANTA, ATLANTA, GA; NORTHERN TRUSTBANK-DU PAGE, OAK BROOK, 
IL; DESERT MORTGAGE CORPORATION, PALM DESERT, CA; UNION COUNTY BANK, 
BLAIRSVILLE, GA; NORTHERN TRUST BANK, LAKE FOREST, IL; BUSINESS 
MORTGAGE AND TRUST CO, CLEARWATER, FL; FIRST KNOXVILLE BANK, KNOXVILLE, 
TN; MCMILLIN MORTGAGE INCORPORATED, SAN DIEGO, CA; UBS SECURITIES INC, 
NEW YORK, NY; COMMUNITY BANK, LEXINGTON, KY; GEAUGA SAVINGS BANK, 
NEWBURY, OH; COMMERCE BANK, LAWRENCE, KS; SELECT MORTGAGE ASSOCIATES 
INC, BELLEVUE, WA; UNITED NEW MEXICO BANK LEA CITY, HOBBS, NM; M AND I 
NATIONAL BANK OF ASHLAND, ASHLAND, WI; CALCORP FINANCE INC, MASON CITY, 
IA; OLD KENT BANK CADILLAC, CADILLAC, MI; TMC CORP, DES MOINES, IA; 
AMERICAN NATIONAL BANK FREMONT, FREMONT, NE; GATEWAY BANK, LAGRANGE, 
IN; FIRSTAR BANK-MINOCQUA, MINOCQUA, WI; INTRUST BANK EL DORADO NA, EL 
DORADO, KS; OLD SECOND COMMUNITY BANK AURORA, AURORA, IL; PRUDENTIAL 
MORTGAGE BANKERS CO, FORT LAUDERDALE, FL; UPTOWN NATIONAL BANK CHICAGO, 
CHICAGO, IL; HERITAGE GLENWOOD BANK, GLENWOOD, IL; SOUTHTRUST BANK 
MIDDLE TN, NASHVILLE, TN; ARKANSAS BANK, JONESBORO, AR; BEVERLY HILLS 
SECURITIES COMPANY, PHOENIX, AZ; INTERSTATE BANK OF OAK FOREST, OAK 
FOREST, IL; SAN ANTONIO MORTGAGE SERVICES, SAN ANTONIO, TX; BANK ONE 
APPLETON NA, APPLETON, WI; M AND I BANK, CAMBRIDGE, WI; PEOPLES STATE 
BANK, CLAREMORE, OK; GOLDCREST FINANCIAL INC, CORONA, CA; OXFORD BANK 
AND TRUST, ADDISON, IL; CULBERTSON STATE BANK, CULBERTSON, MT; BANK OF 
MYSTIC, MYSTIC, CT; ADMIRAL MORTGAGE CORP, DOVER, DE; FIRST NATIONAL 
BANK AND TRUST CO, NICHOLASVILLE, KY; FAMILY TRUST MORTGAGE INC, 
LAUDERHILL, FL; AUSTIN-WILLIAMS MORTGAGE CORP, AUSTIN, TX; PHELPS 
COUNTY BANK, ROLLA, MO; FARMERS STATE BANK, WALLACE, NE; SUBURBAN 
MORTGAGE GROUP INC, BLUEBELL, PA; HAWKEYE BANK OF ANKENY, ANKENY, IA; 
MERCANTILE MORTGAGE BROKERS, RYE, NY; FIRST COLONIAL BANK NA, PRAIRIE 
VILLAGE, KS; FIRSTAR BANK MT PLEASANT, IA; CITIZENS STATE BANK, 
WICKLIFFE, KY; RUSHMORE FEDERAL SAVINGS BANK, BETHESDA, MD; INTRUST 
BANK HAGSVILLE NA, HAYSVILLE, KS; MAIN STREET SAVINGS BANK FSB, 
CONYERS, GA; LIBERTY MORTGAGE CORP NW, ARLINGTON HEIGHTS, IL; HOME 
AMERICA MORTGAGE CO, BATON ROUGE, LA; TEXAS MORTGAGE CONSULTANTS INC, 
AUSTIN, TX; SOUTHWEST BANK, FORT WORTH, TX; VINE STREET TRUST CO, 
LEXINGTON, KY; CITIZENS STATE BANK, ROYSE CITY, TX; STATE SAVINGS BANK 
OF CARO, CARO, MI; ANALY MORTGAGE CENTER INC, ROHNERT PARK, CA; FIRST 
FINANCIAL FUNDING INC, FRANKLIN, TN; FRONTIER BANK LARAMIE COUNTY, 
CHEYENNE, WY; ROCKLAND MORTGAGE CORP, HOCKESSIN, DE; FIRST INTEGRITY 
BANK, STAPLES, MN; CPTPFC, SAINT LOUIS, MO; MORTECH FINANCIAL 
CORPORATION, OXNARD, CA; BANK OF AMERICA NEW MEXICO, ALBUQUERQUE, NM; 
FIRST NATIONAL BANK AND TRUST CO,

[[Page 60719]]

VERSAILLES, KY; CHARTER NATIONAL BANK HOUSTON, HOUSTON, TX; LANDMANDS 
NATIONAL BANK, AUDUBON, IA; GATEWAY BANK, NORWALK, CT; FIRST MORTGAGE 
SERVICES INC, CAYCE, SC; BUILDERS FINANCE LTD, PLANTATION, FL; SECURITY 
TRUST CO NA, BALTIMORE, MD; CIVICBANK OF COMMERCE, OAKLAND, CA; FIRST 
LANCASTER FUNDING CORP, LANCASTER, PA; TRACY STATE BANK, TRACY, MN; 
AMERICAN NATIONAL BANK, KENNEWICK, WA; EXCHANGE NATIONAL BANK, 
MARYSVILLE, KS; WESTCHESTER MORTGAGE CO, TARZANA, CA; WONDER LAKE STATE 
BANK, WONDER LAKE, IL; HARRIS BANK CARY GROVE, CARY, IL; MARIETTA 
SAVINGS BANK, MARIETTA, OH; EASTBANK NA, NEW YORK, NY; LIBERTY NATIONAL 
BANK, AUSTIN, TX; DURANGO NATIONAL BANK, DURANGO, CO; GLENWOOD 
INDEPENDENT BANK, GLENWOOD SPRINGS, CO; CORNERSTONE MORTGAGE CORP, 
OXFORD, MS; MIDWEST CAPITAL MORTGAGE CORP., SCHAUMBURG, IL; MORTGAGE 
ALLIANCE CORPORATION, DENVER, CO; FIRST NATIONAL BANK MORGANTOWN, 
CHARLESTON, WV; CHASE MANHATTAN BANK CT NA, BRIDGEPORT, CT; SAXON 
MORTGAGE FUNDING CORP, RICHMOND, VA; PREMIER MORTGAGE CORPORATION, 
COLUMBIA, SC; FIRST CHESAPEAKE FINANCIAL, RICHMOND, VA; WEST JERSEY 
COMMUNITY BANK, FAIRFIELD, NJ; BOW MILLS BANK AND TRUST, BOW, NH; 
FARMERS AND MERCHANTS BANK, CRESCENT, OK; LUBBOCK NATIONAL BANK, 
LUBBOCK, TX; OLYMPIC MORTGAGE COMPANY INC, SEATTLE, WA; INTERNATIONAL 
MORTGAGE BANKERS, IRVINE, CA; INTERSTATE MORTGAGE FUNDING, ALBUQUERQUE, 
NM; MORTGAGE ADVOCATES CORPORATION, COLUMBIA, SC; STATEWIDE MORTGAGE 
CORP, ELLICOTT CITY, MD; MORTGAGEMAX, PHOENIX, AZ; FIRST NATIONAL BANK 
GRAPEVINE, GRAPEVINE, TX; FLORIDA FIRST MORTGAGE INC, LOXHATCHEE, FL; 
PREMIER MORTGAGE SERVICES INC, BILLINGS, MT; SPLENDOR MORTGAGE CO, CAMP 
SPRINGS, MD; PACIFIC EMPIRE MORTGAGE CORP, LAKE FOREST, CA; STATE 
NATIONAL BANK, EL PASO, TX; RESOURCE MORTGAGE CAPITAL INC, GLEN ALLEN, 
VA; ROYAL PALM MORTGAGE CORPORATION, DELRAY BEACH, FL; SECURITY HOME 
MORTGAGE CORP, ACTON, MA; ALL AMERICAN MORTGAGE, RANCH CORDOVA, CA; 
CORNERSTONE BANK, DERRY, NH; FIRST CITY MORTGAGE CORP, DALLAS, TX; 
FIRST NATIONAL BANK SHELBY, SHELBY, NC; RWP REALTY CAPITAL CORP, NEW 
YORK, NY; WYOMISSING MORTGAGE CO, WYOMISSING, PA; ROYAL OAK SAVINGS 
BANK FSB, RANDALLSTOWN, MD; ASSURED MORTGAGES AND FIN'L SE, MIAMI, FL; 
FIRST NATIONAL BANK CONWAY CNT, MORRILTON, AR; COMMUNITY BANK WEST TN, 
SELMER, TN; GOULD FUNDING CORP, GREAT NECK, NY; WACCAMAW FINANCIAL 
SERVICES, MYRTLE BEACH, SC; BANK OF MOUNTAIN VIEW, MOUNTAIN VIEW, AR; 
FIRST INTERSTATE BANK ALASKA NA, ANCHORAGE, AK; PEACHTREE FEDERAL 
CREDIT UNION, ATLANTA, GA; CENTRAL MORTGAGE CORP, LITTLE ROCK, AR; B 
FIRST MORTGAGE CO LTD PARTNER, WARWICK, RI; PEACHTREE NATIONAL BANK, 
PEACTREE CITY, GA; COMMERCIAL FINANCIAL SERVICES, LAS VEGAS, NV; OMEGA 
FINANCIAL INC, RANDOLPH, MA; MULTI-FAMILY CAPITAL RESOURCES, RICHMOND, 
VA; PRUDENTIAL SECURITIES REALTY F, NEW YORK, NY; SOUTHWEST STATE BANK, 
DENVER, CO; FALLS SAVINGS BANK FSB, CUYAHOGA FALLS, OH; GENTRY MORTGAGE 
LP, HONOLULU, HI; SERVICE ONE CREDIT UNION INC, BOWLING GREEN, KY; 
MORTGAGE ASSOCIATES, ATLANTA, GA; RIVER VALLEY MORTGAGE, SACRAMENTO, 
CA; STRATFORD FUNDING INC, SOUTHFIELD, MI; FAIRFIELD MORTGAGE ASSN 
GAINESVILLE, GAINESVILLE, GA; RG MORTGAGE CORPORATION, POMONA, CA; 
FIRST NATIONAL BANK-PALCO, HAYS, KS; SCOTT COUNTY BANK, WALDRON, AR; 
LEGACY FINANCIAL SERVICES INC, EDMONDS, WA; SUN COAST FUNDING LP, 
NEWPORT BEACH, CA; HUNTINGTON NATIONAL BANK--IN, INDIANAPOLIS, IN; HOME 
FINANCIAL BANCGROUP INC, CHICAGO, IL; TIMBERLAKE MORTGAGE CO, 
HENDERSON, NC; HUNTINGTON NATIONAL BANK-FLORIDA, MAITLAND, FL; CITIZENS 
BANK, HICKMAN, KY; HINSBROOK BANK AND TRUST, WILLOWBROOK, IL; LTG INC, 
SAN GABRIEL, CA; CENTRAL COAST NATIONAL BANK, ARROYO GRANDE, CA; 
COMMERCE BANK--SAN LUIS OBISPO, SAN LUIS OBISPO, CA; AMERICAN SUBURBAN 
MORTGAGE CORP, WAUKEGAN, IL; CALIBER BANK, PHOENIX, AZ; CAPITOL BANK 
AND TRUST, CHICAGO, IL; FARMERS UNION BANK, RIPLEY, TN; AMERICAN 
SAVINGS--FSB, MUNSTER, IN; SAUNDERS COMPANY, MONTEREY, CA; KEYSTONE 
FINANCIAL INC, VISTA, CA; BANK NORTHWEST, HAMILTON, MO; BANK OF--
WESTMINISTER, WESTMINISTER, CA; FIRST NATIONAL BANK-BAR HARBOR, BAR 
HARBOR, ME; PEOPLES HERITAGE MORTGAGE CORP, PORTLAND, ME; CORRIDOR 
MORTGAGE CORPORATION, SAN DIEGO, CA; TORNELL MORTGAGE COMPANY, COON 
RAPIDS, MN; AMERICAN STATE BANK OF--GRYGLA, GRYGLA, MN; FMB-FIRST 
MICHIGAN BANK, GRAND RAPIDS, MI; MADISON SAVINGS AND LOAN ASSN, PALM 
HARBOR, FL; MINUTEMAN FUNDING CORPORATION ANDOVER, MA; DWJ MORTGAGE 
CORPORATION, ALAMO, CA; PHOENIX FINANCIAL GROUP, HOHOKUS, NJ; FIRST 
FINANCIAL MORTGAGE CO, CORBIN, KY; PACIFIC COMMERCE BANK, CHULA VISTA, 
CA; MORTGAGE ADVISORS INC, SAINT LOUIS, MO; TRIAD MORTGAGE COMPANY INC, 
GREENSBORO, NC; FIRST PACIFIC NATIONAL BANK, ESCONDIDO, CA; QUAKERTOWN 
NATIONAL BANK, QUAKERTOWN, PA; THE BANK OF COMMERCE NA, AUBURN, CA; 
PROVINCE CAPITAL, MARIETTA, GA; FINANCIAL NETWORK EXCHANGE DBA MORTGAGE 
EXCHANGE, CONCORD, CA; PACIFIC RELIANCE MTG CORP, PASADENA, CA; 
TANEYTOWN BANK AND TRUST CO, TANEYTOWN, MD; FIRST EQUITY FUNDING GROUP 
INC, SAINT LOUIS, MO; GENOA BANKING COMPANY, GENOA, OH; CENTURION 
MORTGAGE CORPORATION, HARVEY, LA; MIDWEST FINANCIAL GROUP INC, 
BARRINGTON, IL; MERCANTILE BANK CAPE GIRARDEAU, CAPE GIRARDEAU, MO; A M 
MORTGAGE CORPORATION, COLUMBUS, OH; HERITAGE MORTGAGE SERVICES, 
BROOKLYN, MN; LINCO MORTGAGE INCORPORATED, DENHAM SPRINGS, LA; FWB 
BANK, ROCKVILLE, MD; HUNTINGTON FEDERAL SAV BK OF-CHICAGO, IL; 
RIVERSIDE MORTGAGE CO LLC, SHREVEPORT, LA; GARDEN STATE BANK, LAKEWOOD, 
NJ; UNITED MORTGAGE CORPORATION, VIENNA, VA; AMERICAN FAMILY MORTGAGE, 
HANOVER PARK, IL; CANNING AND TURNER INC, VENTURA, CA; CITIZENS 
MORTGAGE CORPORATION, SOUTHFIELD, MI; BANK OF--HILLSIDE, HILLSIDE, IL; 
AMERICAN NATIONAL LOAN CO,

[[Page 60720]]

INC; DEERFIELD BEACH, FL; TIB BANK OF--THE KEYS, KEY LARGO, FL; 
RESIDENTIAL MORTGAGE CORP, AIEA, HI; BOSTON CAPITAL MORTGAGE CO LP, 
BOSTON, MA; GULF COAST FINANCIAL SVCS INC, SLIDELL, LA; MERCHANTS AND 
FARMERS BANK, SALISBURY, MO; UNIVERSAL MORTGAGE INC, BILLINGS, MT; 
STATES MORTGAGE CORPORATION, FLANDERS, NJ; MORTGAGE PROFESSIONALS OF 
CENT, MAITLAND, FL; THE WOMENS BANK NA, DENVER, CO; SEMINOLE BANK, 
SEMINOLE, FL; FIRST NATIONAL BANK, LINCOLNWOOD, IL; FIRST SECURITY 
MORTGAGE INC, OAK BROOK, IL; AMERICAN PIE MORTGAGE, WOODLAND HILLS, CA; 
AMARIS MORTGAGE COMPANY, CHICAGO, IL; AMERICAN MORTGAGE EXPRESS INC, 
COLUMBIA, MD; BRENTWOOD NATIONAL BANK, BRENTWOOD, TN; AMERICAN ROYAL 
MORTGAGE CORP, EDISON, NJ; ALL SEASONS MORTGAGE INC, METAIRIE, LA; 
PRIME LENDING GROUP, MANCHESTER, MO; MERCANTILE BANK JOPLIN, JOPLIN, 
MO; ANDREWS FEDERAL CREDIT UNION, SUITLAND, MD; SOUTHTRUST BANK NC, NA; 
FIRST RATE MORTGAGE INC, CORONA, CA; FIRST UNITED FINANCIAL CENTER, 
SCHAUMBURG, IL; MORTGAGE CENTER INC, MARTINSBURG, WV; RITTENHOUSE 
MORTGAGE FINANCE INC, BALA CYNWYD, PA; NEW YORK CENTRAL MORTGAGE INC-
DBA NEW YORK CENTRAL FUNDING, TARZANA, CA; FIRST SELECT MORTGAGE, 
DENVER, CO; HOFSAL CORPORATION, SAN DIEGO, CA; CONGRESS MORTGAGE 
SERVICES INC, TUCKER, GA; INTER LINK MORTGAGE SERVICE CO, DEARBORN, MI; 
CANTERBURY MORTGAGE BANKING INC, DEERFIELD BEACH, FL; BAZANE 
ENTERPRISES INC, PANORAMA CITY, CA; CAROLINA RESIDENTIAL MORTGAGE, 
BURLINGTON, NC; OXFORD FUNDING GROUP LTD, CHICAGO, IL; BAYBANKS 
MORTGAGE CORPORATION, WESTWOOD, MA; CAPITAL FUNDING MORTGAGE CORP, 
LAUDERHILL, FL.
    Title I Lenders Withdrawn: SOUTHTRUST BANK OF DOTHAN NA, DOTHAN, 
AL; FIRST INTERSTATE BANK NA, TEMPE, AZ; FORDYCE BANK AND TRUST 
COMPANY, FORDYCE, AR; ST PAUL FEDERAL BK FOR SAVINGS, CHICAGO, IL; 
MAGNA BANK, DECATUR, GA; FIRST BANK, OFALLON, IL; FIRST NATIONAL BANK, 
MADISON, IL; PROVIDENT BANK MARYLAND, BALTIMORE, MD; GREAT LAKES 
BANCORP, ANN ARBOR, MI; OLD KENT BANK, BIG RAPIDS, MI; FIRST FEDERAL OF 
MICHIGAN, DETROIT, MI; SECOND NATIONAL BANK, SAGINAW, MI; BANK ONE, 
STURGIS, MI; OLD KENT BANK SOUTHEAST, TRENTON, MI; UNIVERSITY BANK, 
SAULT STE MARIE, MI; ADA NATIONAL BANK, ADA, MN; FIRST NATIONAL BANK, 
AITKIN, MN; AVON STATE BANK, AVON, MN; STATE BANK, COKATO, MN; FIRST 
MINNESOTA BANK NA, GLENCOE, MN; FARMERS AND MERCHANTS BANK, FOREST, MS; 
FIRST BANK, CREVE COEUR, MO; NFS SAVINGS BANK FSB, NASHUA, NH; 
MANUFACTURERS HANOVER TRUST CO, HICKSVILLE, NY; FIRST NATIONAL BANK, 
OAKES, ND; CHIPPEWA VALLEY BANK, RITTMAN, OH; MAHONING NATIONAL BANK, 
YOUNGSTOWN, OH; LIBERTY BANK AND TRUST OK CITY, OKLAHOMA CITY, OK; 
BENEFICIAL MUTUAL SAVINGS BANK, PHILADELPHIA, PA; MEMPHIS STATE BANK, 
MEMPHIS, TX; GROOS BANK N A, SAN ANTONIO, TX; TEXAS CITY BANK NA, TEXAS 
CITY, TX; BRIDGEPORT BANK, BRIDGEPORT, WV; BANK ONE, APPLETON NA, 
APPLETON, WI; M & I BANK OF CAMBRIDGE, CAMBRIDGE, WI; RURAL AMERICAN 
BANK LUCK, LUCK, WI; M AND I NATIONAL BANK, NEILLSVILLE, WI; FIRSTAR 
BANK RICE LAKE NA, RICE LAKE, WI; FIRST STATE BANK, CHARLEVOIX, MI; 
FIRST OF AMERICA, ANN ARBOR, MI; ROIG COMMERCIAL BANK, HUMACAO, PR; 
FLINT CREEK VALLEY BANK, PHILIPSBURG, MT; FIRST NATIONAL BANK BORGER, 
BORGER, TX; IPSWICH STATE BANK, IPSWICH, SD; UNITED NORTHERN FEDERAL 
SAV BK, WARTERTOWN, NY; SECURITY STATE BANK, LITTLEFIELD, TX; 
HUNTINGTON NATIONAL BANK, MORGANTOWN, WV; COMMERCE BANK, EL DORADO, KS; 
WENONO STATE BANK, WENONA ILL, IL; FPL EMPLOYEES FEDERAL CR UN, 
HIALEAH, FL; COMMERCIAL STATE BANK, ANDREWS, TX; NORTH FEDERAL SAVINGS 
BANK, CHICAGO, IL; MONTANA BANK, SUPRIOR, MT; FIRSTAR BANK MINOCQUA, 
MINOCQUA, WI; MADISON NATIONAL BANK, MADISON HEIGHTS, WI; HARRIS UNITED 
FEDERAL CU, GARFIELD HEIGHTS, OH; SWECA FEDERAL CREDIT UNION, 
SHREVEPORT, LA; FIRSTAR BANK MANITOWOC, MANITOWOC, WI; CAPITAL POWER 
FEDERAL CREDIT UNION, SACRAMENTO, CA; SAFEWAY FEDERAL CREDIT UNION, 
REDMOND, WA; ARGONNE CREDIT UNION, ARGONNE, IL; UMB COLUMBINE NATIONAL 
BANK, DENVER, CO; FIRST BANK OF ST CHARLES COUNTY, WENTZILLE, MO; 
FARMERS STATE BANK, WALLACE, NE; AMERIBANK, BLOOMINGTON, MN; D AND N 
SAVINGS BANK FSB, HANCOCK, MI; SUMMIT FEDERAL CREDIT UNION, AKRON, OH; 
FIRST NATIONAL BANK, FREDONIA, KS; AMERICAN BANK, BURNSVILLE, MN; JODAB 
FEDERAL CREDIT UNION, LOUISVILLE, KY; LOUVIERS FED C U #18765, 
WILMINGTON, DE; M AND I BANK, EAGLE RIVER, WI; CENTRAL BANK, 
STILLWATER, MN; FIRST CENTRAL CREDIT UNION, WACO, TX; CHATTANOOGA FED 
EMPLOYEES C U, CHATTANOOGA, TN; VALLEY NATIONAL BANK, MCALLEN, TX; 
TRANSPORT FEDERAL CREDIT UNION, TUKWILA, WA; GRANGE NB OF WYOMING 
COUNTY, LACEYVILLE, PA; CITIZENS STATE BANK, CLARA CITY, MN; COMMUNITY 
BANK, MARSHALL, MO; BANK ONE, FENTON, MI; NAVY ARMY FEDERAL CREDIT 
UNION, CORPUS CHRISTI, TX; FIRST FEDERAL SAVINGS BANK, WINSTON SALEM, 
NC; CARNEGIE SAVINGS AND LOAN ASSN, CARNEGIE, PA; FIRST NATIONAL BANK, 
ASH FLAT, AR; ARCS MORTGAGE INC, CALABASAS, CA; THE GERMANTOWN FEDERAL 
CU, PHILADELPHIA, PA; AMERICAN SAVINGS MORTGAGE CORP, LAKE JACKSON, TX; 
METRO SAVINGS BANK FSB, WOODRIVER, IL; FIRST VIRGINIA BANK PLANTERS, 
BRIDGEWATER, VA; WESLA FEDERAL CREDIT UNION, SHREVEPORT, LA; BOSSIER 
HOSPITAL FED CR UN, BOSSIER CITY, LA; GIRARD NATIONAL BANK, GIRARD, KS; 
FRANKLIN THRIFT AND LOAN ASSN, ORANGE, CA; ARMCO HOUSTON FEDERAL CU, 
HOUSTON, TX; LIFE SAVINGS ASSOCIATION, AUSTIN, TX; LEBANON STATE BANK, 
LEBANON, WI; DIRECTORS MORTGAGE LOAN CORP, RIVERSIDE, CA; KEY BANK OF 
WYOMING, CHEYENNE, WY; BAGER BANK SSB, MILWAUKEE, WI; THE CITIZENS 
BANKING COMPANY, SALINEVILLE, OH; EMPIRE MORTGAGE COMPANY INC, 
SPRINGFIELD, MO; VACATION OWNERS CREDIT UNION, BELLEVUE, WA; PEOPLES 
BANK AND TRUST COMPANY, CHALMETTE, LA; IMPERIAL THRIFT AND LOAN ASSOC, 
GLENDALE, CA; MUNDACA INVESTMENT CORPORATION, BRENTWOOD, TN; THE MONEY 
STORE DC INC, VIRGINIA BEACH, VA; ROSEVILLE COMMUNITY BANK NA,

[[Page 60721]]

ROSEVILLE, MN; FIRST WESTERN NATIONAL BANK, MOAB, UT; FIRSTAR BANK 
WISCONSIN RAPIDS, WISCONSIN RAPIDS, WI; BUTTE COMMUNITY BANK, PARADISE, 
CA; PLUMAS BANK, SUSANVILLE, CA; RAILROAD SAVINGS BANK FSB, WICHITA, 
KS; ASMC ACCEPTANCE CORP, LAKE JACKSON, TX; MORTGAGE ALLIANCE GROUP 
INC, GLENDALE, CA; AMCORE BANK NA NORTHWEST, WOODSTOCK, IL; NBD BANK, 
COLUMBUS, OH; FIRSTAR BANK OTTUMWA, OTTUMWA, IA; M AND I SOUTH SHORE 
BANK, CUDAHY, WI; M AND I WAUWATOSA STATE BANK, WAUWATOSA, WI; SNOW 
BANK NA, DILLON, CO; FIRST STATE BANK OF WESTERN IL, LAHARPE, IL; 
NATIONSBANK VIRGINIA NA, RICHMOND, VA; LIBERTY NATIONAL BANK, AUSTIN, 
TX; PALISADE SAVINGS BANK FSB, RIDGEFIELD PARK, NJ; NEVADA NATIONAL 
BANK, NEVADA, IA; MANUFACTURER'S CREDIT CORP, NORWALK, CT; FIRST 
NATIONAL BANK RIVER FALLS, RIVER FALLS, WI; LINCOLN SAVINGS BANK, 
CARNEGIE, PA; MERCANTILE BANK OF KANSAS, ROELAND PARK, KS; KEY BANK OF 
COLORADO, FORT COLLINS, CO; COMMUNITY BANK AND TRUST CO, OKLAHOMA CITY, 
OK; FIRST TRUST COMPANY ND NA, FARGO, ND; BANK ONE EAST LANSING, EAST 
LANSING, MI; HUNTINGTON NATIONAL BANK, HUNTINGTON BEACH, CA; FIRST 
NATIONAL BANK KINGMAN, KINGMAN, KS; CHILLICOTHE STATE BANK, 
CHILLICOTHE, IL; THE BUFFALO BANK ELEANOR, ELEANOR, WV; SOUTHERN 
NATIONAL BANK NC, WINSTON SALEM, NC; BRAZOPORT TEACHERS FEDERAL CU, 
FREEPORT, TX; FIRST LOUISIANA FINANCIAL, HARAHAN, LA; RG MORTGAGE 
CORPORATION, POMONA, CA; FIRST NATIONAL BANK OTTAWA K, OTTAWA, KS; 
KEYSTONE FINANCIAL, VISTA, CA; ROBERT WINGER MORTGAGE COMPANY, TUCSON, 
AZ; BOMAC CAPITAL CORP, IRVINE, CA; CALCORP FINANCE INC, BELL, CA; 
MOUNTAIN STATES MORTGAGE CENTER, SANDY, UT; SUNBURST BANK, GRENADA, MS; 
FIRST PACIFIC NATIONAL BANK, ESCONDIDO, CA; WESTERN CITIES MORTGAGE 
CORP, TUSTIN, CA; PACIFIC EMPIRE MORTGAGE CORP, LAKE FOREST, CA; PADRE 
FINANCIAL SERVICES CORP, SAN DIEGO; AMERITEX RESIDENTIAL MTG INC, 
HURST, TX; KIDDCO MORTGAGE COMPANY INC, CINCINNATI, OH; SECURITY 
FUNDING GROUP INC, MILFORD, OH; GRANDVIEW MORTGAGE CORP, GLENDALE, CA; 
COMMUNITY LENDING CORPORATION, COLLEGE PARK, GA; ADVANTAGE MORTGAGE 
CORPORATION, NAPERVILLE, IL; CITIZENS BANK OF KANSAS NA, KINGMAN, KS; 
BANCNET INC, SCHAUMBURG, IL; DONALD C KINNSCH, LAKE ELSINORE, CA; 
FULTON BANK, LANCASTER, PA; COMMUNITY FUNDING INC, MISSION VIEJO, CA; 
NEIGHBORHOOD HOUSING SERVICES, NEW YORK, NY; CENTRAL BANK AND TRUST, 
FORT WORTH, TX; FIRST COMMUNITY BANK, NEWELL, IA; ADVANCE FINANCIAL 
SERVICES INC, BLOOMINGDALE, IL; MORTGAGE AMERICA FINL CENTER I, MIAMI, 
FL; STONERIDGE CREDIT CORPORATION, SAN JOSE, CA; A AND I MORTGAGE 
CORPORATION, SAN DIEGO, CA; AVALON MORTGAGE INC, DENVER, CO; BAZANE 
ENTERPRISES INC, PANORAMA CITY, CA; ADMIRAL MORTGAGE CORP, DOVER, DE; F 
M MORTGAGE CORPORATION, FARGO, ND; HOMESOURCE MORTGAGE CORP, DALLAS, 
TX; COAST PARTNERS INVESTORS CORP, SAN FRANCISCO, CA; US MORTGAGE 
CONSULTANTS INC, LAS VEGAS, NV.

    Dated: November 22, 1996.
Nicolas P. Retsinas,
Assistant Secretary for Housing-Federal Housing Commissioner.
[FR Doc. 96-30500 Filed 11-27-96; 8:45 am]
BILLING CODE 4210-27-P