[Federal Register Volume 75, Number 247 (Monday, December 27, 2010)]
[Notices]
[Pages 81287-81292]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2010-32443]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-5436-N-02]


Mortgagee Review Board: Administrative Actions

AGENCY: Office of the Assistant Secretary for Housing--Federal Housing 
Commissioner, Department of Housing and Urban Development (HUD).

ACTION: Notice.

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

FOR FURTHER INFORMATION CONTACT: Nancy A. Murray, Secretary to the 
Mortgagee Review Board, 451 Seventh Street SW., Room B-133/3150, 
Washington, DC 20410-8000; telephone (202) 708-2224. A 
Telecommunications Device for Hearing- and Speech-Impaired Individuals 
(TTY) is available at (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 1989, Public Law 101-235, approved December 
15, 1989), requires that HUD ``publish a description of and the cause 
for administrative action against a HUD-approved mortgagee'' by the 
Department's Mortgagee Review Board (Board). In compliance with the 
requirements of Section 202(c)(5), this notice advises of actions that 
have been taken by the Board from April 15, 2010 to July 2, 2010.

I. Settlement Agreements, Civil Money Penalties, Withdrawals of FHA 
Approval, Suspensions, Probations, Reprimands, and Administrative 
Payments

1. Alethes, LLC, Lakeway, TX [Docket No. 09-9891-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw Alethes, LLC's (Alethes) FHA approval 
for a period of three years and impose a $7,500 civil money penalty.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Alethes originated an FHA 
mortgage after termination of its origination approval agreement; 
Alethes failed to comply with HUD's annual recertification requirements 
by failing to

[[Page 81288]]

submit acceptable audited financial statements.

2. Atlantic Pacific Mortgage Corporation, Pembroke Pines, FL [Docket 
No. 10-1607-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately and permanently withdraw Atlantic Pacific 
Mortgage Corporation's (Atlantic) FHA approval.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Atlantic retained and/or 
employed an owner, director, officer and/or employee who had been 
indicted for a criminal offense.

3. First Rate Capital Corporation, Melville, NY [Docket No. 10-1001-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw First Rate Capital Corporation's (First 
Rate) FHA approval for a period of one year.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: First Rate failed to notify HUD 
of the closure of its home office location.

4. Gold Star Home Mortgage, LLC, St. Joseph, MO [Docket No. 10-1686-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw Gold Star Home Mortgage, LLC's (Gold 
Star) FHA approval for a period of one year.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Gold Star failed to notify HUD 
of an action taken against it by the state of Missouri; Gold Star 
submitted a false certification to HUD on its Annual Certification 
Report.

5. Marathon Financial Corporation, Southfield, MI [Docket No. 09-9889-
MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately and permanently withdraw Marathon Financial 
Corporation's (Marathon) FHA approval.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Marathon retained and/or 
employed an owner, director, officer and/or employee who had been 
indicted for a criminal offense; Marathon failed to submit its annual 
recertification fee, Yearly Verification Report, and acceptable audited 
financial statements.

6. Nationwide Equities Corporation, Mahwah, NJ [Docket No. 09-9916-MR]

    Action: On April 15, 2010, the Board voted to impose a $20,500 
civil money penalty against Nationwide Equities Corporation 
(Nationwide).
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Nationwide failed to implement 
a Quality Control (QC) plan and conduct QC reviews in a timely manner.

7. Precision Financial, Inc., Syosset, NY [Docket No. 09-9897-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw Precision Financial, Inc.'s (Precision) 
FHA approval.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Precision failed to notify HUD 
that it had voluntarily surrendered its state license to originate 
mortgages.

8. Sacramento Mortgage, Inc., Sacramento, CA [Docket No. 08-8097-MR]

    Action: On April 15, 2010, the Board voted to issue a letter of 
reprimand and impose a $7,500 civil money penalty against Sacramento 
Mortgage, Inc. (Sacramento).
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Sacramento used advertisements 
containing inaccurate and misleading FHA program information.

9. Tucson Mortgage Company, LLC, Tucson, AZ [Docket No. 10-1602-MR]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw Tucson Mortgage Company, LLC's (Tucson) 
FHA approval and impose a $7,500 civil money penalty.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Tucson failed to notify HUD of 
a Cease and Desist order issued against it by the Arizona Department of 
Financial Institutions; Tucson failed to notify HUD of the surrender of 
its licenses.

10. Turbo International Corporation d/b/a USA Mortgage, Las Vegas, NV 
[Docket No. 10-1599-MR ]

    Action: On April 15, 2010, the Board approved an administrative 
action to immediately withdraw Turbo International Corporation's d/b/a 
USA Mortgage (Turbo) FHA approval.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Turbo failed to notify HUD that 
its state license had expired; Turbo failed to submit its annual 
certification, recertification fee, and acceptable audited financial 
statements.

11. 1st Alliance Mortgage LLC, Houston, TX [Docket No. 09-9624-MR]

    Action: On April 16, 2010, the Board accepted 1st Alliance Mortgage 
LLC's (1st Alliance) offer to settle by paying a civil money penalty in 
the amount of $150,000.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: 1st Alliance engaged in 
prohibited branch arrangements; 1st Alliance made false certifications 
to HUD on loan application forms HUD-92900-A in 708 instances; 1st 
Alliance failed to implement and maintain a Quality Control (QC) plan 
and conduct QC reviews; 1st Alliance failed to report compensation to 
employees on IRS form W-2; 1st Alliance charged unallowable and/or 
unearned duplicative fees to borrowers; 1st Alliance failed to ensure 
that fees paid outside of closing were listed on the HUD-1 Settlement 
Statement.

12. Polaris Home Funding Corporation, Grandville, MI [Docket No. 09-
9915-MR]

    Action: On May 20, 2010, the Board accepted Polaris Home Funding 
Corporation's (Polaris) offer to settle by paying a civil money penalty 
in the amount of $44,000 and indemnifying FHA on seven loans.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Polaris violated HUD/FHA 
staffing requirements; Polaris had numerous loan origination and 
underwriting deficiencies.

13. Viewpoint Bank, Plano, TX [Docket No. 10-1019-MR]

    Action: On May 20, 2010, the Board approved an administrative 
action to assess a $505,400 administrative payment against Viewpoint 
Bank (Viewpoint).
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Viewpoint had numerous loan 
origination and underwriting deficiencies; Viewpoint failed to ensure 
that its employees worked for Viewpoint exclusively, including failure 
to ensure that employees did not have outside employment in a related 
field.

[[Page 81289]]

14. Great Country Mortgage Bankers Corporation, Coral Gables, FL 
[Docket No. 10-1129-MR]

    Action: On May 20, 2010, the Board approved an administrative 
action to permanently withdraw Great Country Mortgage Bankers 
Corporation's (Great Country) FHA approval.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Great Country failed to conduct 
targeted Quality Control reviews; Great Country had numerous loan 
origination and underwriting deficiencies; Great Country failed to 
ensure that their employees worked for Great Country exclusively; Great 
Country failed to address discrepancies prior to approval of the 
insurance endorsement.

15. WR Starkey Mortgage, LLP, Plano, TX [Docket No. 10-1573-MR]

    Action: On May 20, 2010, the Board voted to impose a $223,000 civil 
money penalty against WR Starkey Mortgage, LLP (WR Starkey) and accept 
WR Starkey's offer to indemnify HUD on 32 mortgages. WR Starkey also 
agreed to reimburse HUD for 11 of the 32 mortgages that resulted in 
claims in the amount of $756,406.76.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: WR Starkey had numerous loan 
origination and underwriting deficiencies; WR Starkey failed to timely 
remit Upfront Mortgage Insurance Premiums; WR Starkey allowed a Credit 
Watch terminated branch to originate loans; WR Starkey failed to ensure 
that loans met property eligibility requirements; WR Starkey failed to 
comply with property flipping guidelines; WR Starkey failed to ensure 
that construction-to-permanent mortgage program requirements were met.

17. Birmingham Bancorp Mortgage Corporation, West Bloomfield, MI 
[Docket No. 10-1792-MR]

    Action: On June 17, 2010, the Board approved an administrative 
action to immediately withdraw Birmingham Bancorp Mortgage 
Corporation's (BBMC) FHA approval for a period of five years. On July 
2, 2010, the Board terminated the withdrawal action and accepted BBMC's 
settlement offer of $815,913.13 (this amount included principal and 
interest totaling $770,913.13 for indemnification on 16 loans and a 
civil money penalty of $45,000).
    Cause: The Board took the original action based on the following 
violations of HUD/FHA requirements alleged by HUD: BBMC failed to honor 
the terms of six executed indemnification agreements when BBMC failed 
to remit payment.

18. Countrywide Home Loans, Inc., Calabasas, CA [Docket No. 09-9846-MR]

    Action: On June 17, 2010, the Board accepted a settlement offer 
from Countrywide Home Loans, Inc. (Countrywide) to pay a civil money 
penalty of $141,500, buy down the principal on loans totaling 
$93,263.02, indemnify HUD/FHA on loans, and surrender its FHA approval. 
In addition, Countrywide's parent company, Bank of America, will 
maintain its FHA approval and honor the indemnification agreements.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Countrywide had loan 
origination and underwriting deficiencies; Countrywide failed to 
provide complete loan origination files.

19. Best Interest Rate Mortgage Company, LLC, Haddon Township, NJ 
[Docket No. 10-1879-MR]

    Action: On June 17, 2010, the Board approved an administrative 
action to permanently withdraw Best Interest Rate Mortgage Company, 
LLC's (BIRMCO) FHA approval.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: BIRMCO failed to notify HUD 
that it had been excluded from doing business in Idaho and Colorado; 
BIRMCO improperly used a simulated government form implying endorsement 
by FHA; BIRMCO failed to obtain required state licenses to operate in 
the States of Idaho and Colorado.

20. Housing Solutions, Inc., Scottsdale, AZ [Docket No. 10-1608-MR]

    Action: On June 17, 2010, the Board approved an administrative 
action to permanently withdraw Housing Solutions, Inc.'s (HSI) FHA 
approval.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: HSI failed to notify HUD of the 
closure of its home office and that it is no longer in business.

21. Action Mortgage Corporation, Cranston, RI [Docket No. 10-1855-MR]

    Action: On June 17, 2010, the Board accepted a settlement offer 
from Action Mortgage Corporation (AMC) to pay a civil money penalty of 
$2,500.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: AMC misused the official HUD 
seal on its Web site.

22. Equity Source Home Loans, LLC, Morganville, NJ [Docket No. 10-1719-
MR]

    Action: On June 17, 2010, the Board voted to impose a $7,000 civil 
money penalty against Equity Source Home Loans, LLC (Equity Source).
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Equity Source misused the names 
of FHA and HUD, misused the FHA seal, and disseminated a simulated 
government form implying HUD/FHA or government endorsement.

23. NFM, Inc., Linthicum Heights, MD [Docket No. 10-1712-MR]

    Action: On June 17, 2010, the Board voted to impose a $5,000 civil 
money penalty against NFM, Inc. (NFM).
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: NFM misused the name and seal 
of the FHA and disseminated advertisements implying HUD/FHA 
endorsement.

24. Silver Key Lending & Investment Group, Downers Grove, IL [Docket 
No. 10-1848-MR]

    Action: On June 17, 2010, the Board voted to impose a $3,500 civil 
money penalty against Silver Key Lending & Investment Group (Silver 
Key).
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Silver Key misused the seal of 
the FHA and disseminated advertisements implying HUD/FHA endorsement.

25. Access Mortgage Corporation, New Haven, CT [Docket No. 09-9438-MR]

    Action: On June 17, 2010, the Board accepted a settlement offer 
from Access Mortgage Corporation (Access) to pay a civil money penalty 
of $3,500.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Access failed to notify HUD/FHA 
within ten business days of a change in its ``doing business as'' name.

26. American Advisors Group, Irvine, CA [Docket No. 10-1822-MR]

    Action: On June 17, 2010, the Board accepted a settlement offer 
from American Advisors Group (AAG) to pay a civil money penalty of 
$3,500.
    Cause: The Board took this action based on the following violation 
of

[[Page 81290]]

HUD/FHA requirements alleged by HUD: AAG's advertisements 
misrepresented HUD's Home Equity Conversion Mortgage program.

27. Acceptance Capital Mortgage Corporation, Spokane, WA [Docket No. 
09-9608-MR]

    Action: On May 20, 2010, the Board accepted a settlement offer from 
Acceptance Capital Mortgage Corporation (Acceptance) to pay a civil 
money penalty of $14,000.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Acceptance allowed a separate 
legal entity to operate as a branch of Acceptance; Acceptance allowed 
loans to be originated by loan officers who were also employed by other 
companies in the real estate industry.

28. Oxford Lending Group, L.P., Columbus, OH [Docket No. 10-1687-MR]

    Action: On June 17, 2010, the Board accepted a settlement offer 
from Oxford Lending Group, L.P. (Oxford) to pay a civil money penalty 
of $3,500.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Oxford improperly used a 
simulated government form implying endorsement by FHA or the 
Government.

II. Lenders That Failed To Meet Requirements for Annual Recertification 
of HUD/FHA Approval

    Action: The Board voted to immediately withdraw FHA approval for a 
period of one year for each of the lenders listed below.
    Cause: The Board took this action because the lenders were not in 
compliance with the HUD's annual recertification requirements.

1. American Home Advisors, Inc., Dana Point, CA
2. At Home Mortgage Brokers, Inc., Phoenix, AZ
3. Bridge Mortgage, Inc., Villa Rica, GA
4. Coastline Mortgage Consultants, LLC, Wilmington, NC
5. Denton County Mortgage Corp., Tyler, TX
6. Fidelity Homes and Loans, Inc., Federal Way, WA
7. Legacy Mortgage LLC, Green Bay, WI
8. Oceanfront Mortgage, Inc., San Diego, CA
9. Alabama Home Mortgage Lending, Birmingham, AL
10. C Bass ABS LLC, New York, NY
11. Castle Home Mortgage Corp., Union, NJ
12. City State Bank, Central City, IA
13. CoFinancial, Inc., Milford, MI
14. Credit Based Asset Servicing, New York, NY
15. DMI Funding, Inc. (Title I), Boise, ID
16. DMI Funding, Inc. (Title II), Boise, ID
17. Gordon Lending Corporation, Dublin, OH
18. Great Harbor Financial Service, Guilford, CT
19. HBM No. One, LLC, Burlington, NC
20. Integrity One Mortgage, Inc., Penns Grove, NJ
21. Mortgage Process Center, Fair Oaks, CA
22. NVX, LLC, Falls Church, VA
23. Powell Financial Services, Inc., San Diego, CA
24. Prosperity Bank St. Augustine, St. Augustine, FL
25. Quickdraw Real Estate Services, Inc., Mill Creek, WA
26. Solutions Financial Group, Inc., Tukwila, WA
27. Three Rivers Financial Services, Inc., Fort Wayne, IN
28. Trinity Financial, Inc., Verona, PA
29. 1st Integrity Mortgage, Inc., Towson, MD
30. Alliance Financing Mortgage Corporation, Mount Prospect, IL
31. American Mortgage Group LLC, Humble, TX
32. American Mortgage Solutions LLC, Burr Ridge, IL
33. Amerinet Financial LLC, Upper Marlboro, MD
34. Apex Funding Inc., Santa Ana, CA
35. Baycal Financial Corporation, Burlingame, CA
36. Benchmark Mortgage Corporation, Schaumburg, IL
37. Broadway Federal Savings and Loan, Los Angeles, CA
38. Building and Loan Mortgage Company, Lenexa, KS
39. C Bass Funding LLC, New York, NY
40. C Bass Funding X LLC, New York, NY
41. Capital Mortgage LLC, Miami, FL
42. Capitol City Bank & Trust Company, Atlanta, GA
43. CCSF LLC, Henderson, NV
44. Champion Mortgage LLC, Corpus Christi, TX
45. Clayson-Mitchell Mortgage Services LC, Salt Lake City, UT
46. Columbia First Mortgage Inc., Battle Ground, WA
47. Community Finance Group Inc., Crystal, MN
48. Community Resource Bank, N.A., Columbia, SC
49. Consumer Lending Inc., Verona, NJ
50. Creative Mortgage Services Inc., Martinez, GA
51. CWA Financial Services Inc., Milledgeville, GA
52. Design Development Mortgage LLC, Fort Collins, CO
53. Direct Mortgage Inc., Norcross, GA
54. Dynamic International Funding, Denver, CO
55. East Shore Mortgage LLC, Madison, CT
56. EDVA Realty Services Inc., Tarzana, CA
57. Element Financial, LLC, Suwanee, GA
58. Ellis Mortgage Company, Poplar Grove, IL
59. E-Tek Capital LLC, Gibbsboro, NJ
60. Emcore Mortgage, LLC, Atlanta, GA
61. Ethical Mortgage Lending LLC, Grove City, OH
62. Evergreen Pacific Mortgage Inc., Eugene, OR
63. Fairfield Financial Mortgage Group, Danbury, CT
64. Firstbank--West Branch, West Branch, MI
65. First Boulder Valley Bank, Boulder, MT
66. First Choice Mortgage Corporation, Stafford, VA
67. First Choice Mortgage Services LLC, Memphis, TN
68. First Primacy Mortgage Corporation, Bel Air, MD
69. First Sierra Mortgage Inc., Sacramento, CA
70. Focus Financial and Mortgage Corporation, Wauconda, IL
71. Fortes Financial Inc., San Diego, CA
72. Founders Mortgage Inc., Edmond, OK
73. Genesis Mortgage Company LLC, Kingwood, TX
74. Gordon Lending Corporation, Dublin, OH
75. Hamilton Mortgage Group LLC, Ridgefield, CT
76. Heights Mortgage Connection Inc., Harker Heights, TX
77. Hometown Community Bank, Braselton, GA
78. Interstate Capital Corporation, Coral Springs, FL
79. JBJ LLC, Henderson, NV
80. Keystone Mortgage Inc., Puyallup, WA
81. LAA Enterprises Inc., Lakeland, FL
82. Lend Select Mortgage, LLC, Mount Laurel, NJ
83. Lowery Mortgage Inc., Cornelius, NC
84. Madison Funding Inc., Baltimore, MD
85. Magnolia Homes Loans, Inc., Oxnard, CA
86. Maximum Mortgage Concepts, West Bridgewater, MA
87. MBS Mortgage Company LLC, Wixom, MI
88. McLaughlin Financial Inc., Salem, MA
89. Metropolitan Mortgage Inc., Providence, RI
90. MidAmerica Mortgage Corporation, New Hope, MN

[[Page 81291]]

91. MMA Mortgage Investment Corporation, Tampa, FL
92. Mortgage Connection of Evansville Inc., Evansville, IN
93. Mortgage Pros Ltd, Elmhurst, IL
94. Namorex, LLC, Wilton, NH
95. New Hope Community Development Federal Credit Union, Birmingham, AL
96. North Florida Funding Inc., Jacksonville, FL
97. Northpark Community Credit Union, Indianapolis, IN
98. Old Providence Mortgage Company, Farmington, UT
99. Paraiso LLC, Atlanta, GA
100. Paramount Bank, Lexington, KY
101. Pledged Property IV LLC, New York, NY
102. Popular Mortgage Corp., (Title I), Hialeah, FL
103. Popular Mortgage Corp., (Title II), Hialeah, FL
104. Price Financial Services Inc., Rochester, MN
105. Primary Access America Corporation, Mission Viejo, CA
106. Prime Alliance Bank, Wood Cross, UT
107. Prime Source Mortgage, Inc., Scottsdale, AZ
108. Priority Mortgage, Inc., Wayne, IN
109. Pronto Mortgage Lenders Corp., Hialeah Gardens, FL
110. Provident Capital Mortgage, Inc., Cranston, RI
111. R & S Financial Inc., Plymouth, MA
112. Residential Mortgage Services Inc. (Title I), Lexington, KY
113. Residential Mortgage Services Inc. (Title II), Lexington, KY
114. Results One Mortgage Corp., Elmhurst, IL
115. Samsara Mortgage Services Inc., Oakbrook, IL
116. San Juan Mountains Credit Union, Montrose, CO
117. Schyndel Investments Inc., Layton, UT
118. Security Mortgage Corporation, Phoenix, AZ
119. Silver Sierra Mortgage Inc., Cameron Park, AZ
120. Signature Mortgage, LLC, Huntsville, AL
121. Source 1 Capital Mortgage Corporation, Clifton, NJ
122. South Ross Mortgage LLC, Lancaster, SC
123. Trinity Mortgage Company Inc., Fort Wayne, IN
124. United Financial Management Group Inc., Clarks Summit, PA
125. VIP Mortgage Corporation, Danvers, MA
126. Wakefield Lending Company LLC, Raleigh, NC
127. Wonder State Mortgage Inc., Little Rock, AR

III. Lenders That Failed to Timely Meet Requirements for Annual 
Recertification of HUD/FHA Approval and Have Cured

    Action: The Board voted to give the lenders below an opportunity to 
settle. The settlements required each lender to pay a $7,500, $3,500, 
or $1,000 civil money penalty without admitting fault or liability.
    Cause: The Board took this action because the lenders failed to 
timely comply with the HUD's annual recertification requirements, 
however, they are now in compliance.
1. 3rd Generation Mortgage, LLC, Bayville, NJ, 10-1930-MRT
2. American Capital Mortgage Bankers, Ltd., Floral Park, NY, 10-1348-
MRT
3. Apex Mortgage, LLC, Meridian, ID, 10-1298-MRT
4. Capital Funding and Mortgage Group, Inc., Suwanee, GA, 10-1478-MRT
5. Centrue Bank, Ottawa, IL, 10-1416-MRT
6. Citizens State Bank, New Baltimore, MI, 10-1473-MRT
7. CLO Funding Corporation, Piscataway, NJ, 10-4448-MRT
8. Empire Financial Services Inc., Rockville, MD, 10-1521-MRT
9. Golden Mortgage Corporation, Bridgewater, NJ, 10-1485-MRT
10. Home Mortgage Solutions, LLC, Midlothian, VA, 10-1247-MRT
11. Home Owners Financial Services, Los Angeles, CA, 10-1353-MRT
12. LA Mortgage Services, Inc., Clarks Green, PA, 10-1045-MRT
13. Landon Financial, Inc., Margate, FL, 10-1258-MRT
14. Lighthouse Home Loans, Inc., Salem, OR, 10-1495-MRT
15. Lincoln Financial, Inc., Wayne, NJ, 10-1379-MRT
16. Mortgages Unlimited, Inc., Liberal, KS, 10-1357-MRT
17. PC Funding, Inc., Cerritos, CA, 10-1924-MRT
18. Plum Creek Funding, Inc., Parker, CO, 10-1519-MRT
19. Raustin Mortgage Services LLC, Grandville, MI, 10-1214-MRT
20. RJ Financial Services, Inc., San Antonio, TX, 10-1488-MRT
21. Robert P. Lenz & Associates, Inc., Matthews, NC, 10-1569-MRT
22. Seaside Home Mortgage, Inc., Sebastian, FL, 10-1568-MRT
23. Sun Mortgage Corp. of Missouri, Inc., Saint Louis, MO, 10-1552-MRT
24. Terra Ferma Mortgage, Inc., Houston, TX, 10-1900-MRT
25. Your Money Center, LLC, Hartwell, GA, 10-1449-MRT
26. AAA Financial Corp., Coral Springs, FL, 10-1932-MRT
27. Advantis Credit Union, Portland, OR, 10-1933, MRT
28. American Mortgage Group, Inc., Shawnee, OK, 10-1934, MRT
29. Becker Real Estate Services, Inc., Lynbrook, NY, 10-1935-MRT
30. Carson Bank (f/k/a Mulvane State Bank), Mulvane, KS, 10-1936-MRT
31. CBRE HMF, Inc., Atlanta, GA, 10-1937-MRT
32. Coral Mortgage Bankers Corporation, Chesterfield, MO, 10-1938-MRT
33. Constitution Trust Mortgage Corp., Plainville, MA, 10-1906-MRT
34. Custom Equity Mortgage, LLC, St. Louis, MO, 10-1939-MRT
35. DATCU Credit Union, Denton, TX, 10-1940-MRT
36. Financial Dynamics Funding Corp., Jericho, NY, 10-1941-MRT
37. Great Florida Lending, Inc., Miami, FL, 10-1942-MRT
38. Heritage Bank and Trust, Columbia, TN, 10-1943-MRT
39. Home First Mortgage, Birmingham, AL, 10-1944-MRT
40. Infinity Lending Group, Tustin, CA, 10-1053-MRT
41. IZT Mortgage, Inc. d/b/a Ameritech Mortgage, Walnut Creek, CA, 10-
1945-MRT
42. Lexington Investment Mortgage Co., Lexington, KY, 10-1907-MRT
43. Lincoln Mortgage Associates, LLC, Lansdale, PA, 10-1946-MRT
44. Metropolitan Mortgage Broker, LLC, Philadelphia, PA, 10-1947-MRT
45. Mortgage 1st, Inc., Ridgeland, MS, 10-1948-MRT
46. Mortgage Options of America, Inc., Winchester, MA, 10-1949-MRT
47. Northern Funding Corporation, Clifton Park, NY, 10-1412-MRT
48. Organization Matters, Inc., Apple Valley, CA, 10-1950-MRT
49. PLB Lending LLC, Washington, MI, 10-1951-MRT
50. Valley Financial, Inc., Corning, CA, 10-1953-MRT
51. Wellington Funding Group LLC, Scottsdale, AZ, 10-1955-MRT
52. WF and K Mortgage, Inc., Dunmore, PA, 10-1956-MRT
53. ACE Cash Express Home Loans LLC, Irving, TX, 10-1969-MRT
54. Advocate Equities Corp., Brooklyn, NY, 10-1427-MRT
55. Alliance Capital Corporation, Oklahoma City, OK, 10-1970-MRT
56. American Security Financial Corporation, Modesto, CA, 10-1511-MRT
57. Ameristate Bancorp Inc., Youngstown, OH, 10-1971-MRT
58. Associated Capital Resources Inc., Phoenix, AZ, 10-1616-MRT
59. Assured Funding Corporation, Jackson, TN, 10-1248-MRT
60. Bank of Bridger, Bridger, MT, 09-9138-MRT

[[Page 81292]]

61. Boulder West Financial Services, Lafayette, CO, 10-1428-MRT
62. Central Bank and Trust, Lander, WY, 10-1471-MRT
63. Creative Mortgage Partners LLC, Maplewood, MN, 09-9128-MRT
64. Crossline Capital Inc., Irvine, CA, 10-1481-MRT
65. Elite Financial Investments Inc., Oakbrook, IL, 10-1122-MRT
66. Enterprise Community Investment Inc., Columbia, MD, 09-9137, MRT
67. First American Dream Mortgage Inc., Chicago, IL, 10-1360-MRT
68. First Financial Bank N.A., Hamilton, OH, 09-9204-MRT
69. First Mortgage Group LLC, Woodstock, GA, 10-1972-MRT
70. First Star Funding Corp., Olympia Fields, IL, 10-1707-MRT
71. Freedom One Funding Inc., Clifton Park, NY, 10-1557-MRT
72. FRMP Inc., Loveland, CO, 10-1431-MRT
73. Grow Mortgage Company, LLC, Franklin, KY, 10-1368-MRT
74. HD Legacy Inc., Placentia, CA, 10-1061-MRT
75. Home Worx Mortgage LLC, Edmond, OK
76. KBA Financial Group LLC d/b/a First Homeland Mortgage, South 
Orange, NJ 09-9812-MRT
77. Midwest Mortgage Partners LLC, Clive, IA, 10-1466-MRT
78. Mortgage Strategies Inc., Benicia, CA, 10-1973-MRT
79. Mountain State Lending Associates, Inc., Weirton, WV, 10-1903-MRT
80. Nationside Mortgage Inc., Gaithersburg, MD, 10-1114-MRT
81. Potomac Mortgage Capital Inc., Great Falls, VA, 09-9857-MRT
82. Prestige Home Mortgage LLC, Owings Mills, MD, 10-1426-MRT
83. Professional Financial Mortgage Inc., Southfield, MI, 10-1314-MRT
84. Rowlett Mortgage Lending Ltd., Garland, TX, 10-1338-MRT
85. Rudkin Enterprises LLC, Little Rock, AR, 10-1232-MRT
86. Society Financial Corp., Farmington, CT, 10-1419-MRT
87. Superior Lending Associates LC, Orem, UT, 10-1974-MRT
88. Wilmington Finance Inc., Plymouth Meeting, PA, 10-1975-MRT

    Dated: December 20, 2010.
David H. Stevens,
Assistant Secretary for Housing--Federal Housing Commissioner.
[FR Doc. 2010-32443 Filed 12-23-10; 8:45 am]
BILLING CODE 4210-67-P