[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