82 FR 16408 - Mortgagee Review Board: Administrative Actions
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Federal Register Volume 82, Issue 63 (April 4, 2017)
Federal Register Volume 82, Issue 63 (April 4, 2017)
| Page Range | 16408-16414 | |
| FR Document | 2017-06642 |
[Federal Register Volume 82, Number 63 (Tuesday, April 4, 2017)] [Notices] [Pages 16408-16414] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2017-06642] ======================================================================= ----------------------------------------------------------------------- DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-6025-N-01] 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. ----------------------------------------------------------------------- SUMMARY: In compliance with Section 202(c)(5) 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 (this is not a toll-free number). Persons with hearing or speech impairments may access this number through TTY by calling the toll-free Federal Information Service at (800) 877-8339. SUPPLEMENTARY INFORMATION: Section 202(c)(5) of the National Housing Act (12 U.S.C. 1708(c)(5)) requires that HUD ``publish a description of and the cause [[Page 16409]] for administrative action against a HUD-approved mortgagee'' by HUD'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 in its meetings from October 1, 2015 to September 30, 2016. I. Civil Money Penalties, Withdrawals of FHA Approval, Suspensions, Probations, Reprimands, and Administrative Payments 1. AmCap Mortgage, Ltd., Houston, TX [Docket No. 15-1889-MR] Action: On June 16, 2016, the Board voted to accept the terms of a settlement agreement with AmCap Mortgage, Ltd. (``AmCap'') that required AmCap to (a) pay a civil money penalty in the amount of $262,500; (b) pay an additional $75,000; and (c) refrain from making any claim for insurance benefits and/or indemnify HUD/FHA for all losses associated with three HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: AmCap (a) falsely certified to HUD/FHA that it had complied with all HUD/FHA regulations in its 2013 and 2014 annual certifications; (b) failed to timely notify HUD of four incidents in which AmCap and its employees were sanctioned by the states of Utah and Oklahoma; (c) failed to ensure the correct branch identification number was used when originating four HUD/FHA insured mortgage loans; (d) failed to perform quality control reviews for 43 loans that had early payment defaults; (e) failed to perform the HUD/ FHA required management response to address material appraisal deficiencies identified in the quality control report for one loan; (f) failed to include all of the borrower's liabilities in determining the debt to income ratio for one loan; (g) failed to properly document the source of closing funds for two loans; and (h) failed to question the appraiser's use of properties as comparables that were not of the same quality as the subject modular home for one loan. 2. BancFirst, Oklahoma City, OK [Docket No. 16-1736] Action: On August 25, 2016, the Board voted to seek civil money penalties against BancFirst. The Board entered into a settlement agreement with BancFirst that required BancFirst to pay a civil money penalty in the amount of $17,000 without admitting fault or liability. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: BancFirst (a) failed to properly notify HUD/FHA it had acquired CSB Bancshares, Inc. and its subsidiary bank, Bank of Commerce; and (b) falsely certified to HUD/FHA that it had complied with all HUD/FHA regulations in its March 1, 2016 annual certification. 3. Bank of England, Little Rock, AR [Docket No. 16-1669-MR] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with Bank of England (``BOE''). Pursuant to the terms of the settlement, BOE was required to (a) pay a civil money penalty in the amount of $6,500; and (b) refrain from making any claim for insurance benefits and/or indemnify HUD/FHA for the life of the loan on all losses associated with one HUD/FHA insured loan. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on BOE's alleged violation of HUD/FHA requirements by its failure to verify and adequately document the borrowers' source of funds for closing for two loans. 4. Branch Banking and Trust Company, Greensboro, NC [Docket No. 16- 0075-FC] Action: On September 9, 2016, the Board voted to release Branch Banking and Trust Company (``BB&T'') from any civil money penalties or administrative actions as part of a settlement between BB&T and the United States that required BB&T to pay the United States $83,000,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on BB&T's alleged failure to properly originate, underwrite and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 5. City First Mortgage Services, LLC, Bountiful, UT [Docket No. 15- 1657-MR] Action: On March 10, 2016, the Board voted to accept the terms of a settlement agreement with City First Mortgage Services, LLC (``City First'') that required City First to pay a civil money penalty in the amount of $35,000 without admitting fault or liability. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: City First (a) failed to comply with Generally Accepted Accounting Principles by inappropriately placing two real estate properties, and the mortgage loans secured by those properties, on its 2012 and 2013 balance sheets; (b) falsely certified to HUD/FHA that City First had complied with all HUD/FHA regulations in its 2014 annual certification; (c) failed to notify HUD that City First entered into a consent order with and paid a fine to the State of Illinois, Department of Financial and Professional Regulation, Division of Banking; and (d) failed to notify HUD that City First entered into a settlement agreement with and paid a penalty to the Department of Business Oversight for the State of California. 6. First Heritage Financial, LLC., Trevose, PA [Docket No. 16-0000-MR] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with First Heritage Financial, LLC (``First Heritage''). The settlement agreement required First Heritage to (a) pay a civil money penalty in the amount of $120,500; and (b) refrain from making any claim for insurance benefits and/or indemnify HUD/FHA for the life of the loan on all losses associated with 36 HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault and the Board executed the settlement agreement on January 3, 2017. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: First Heritage (a) falsely certified to HUD/FHA that First Heritage had complied with all HUD/FHA regulations in its 2015 annual certification; (b) failed to notify HUD that First Heritage entered into a consent agreement and order with and paid a fine to the Pennsylvania Department of Banking, Securities Compliance office; and (c) submitted false loan certifications for 36 loan files by allowing an individual whose mortgage loan license had been suspended and cancelled to process the origination of HUD/FHA insured loans. 7. First Mortgage Company, Oklahoma City, OK [Docket No. 16-1823] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with First Mortgage Company (``First Mortgage''). Pursuant to the terms of the settlement agreement, First Mortgage was required to pay a civil money penalty in the amount of $5,000 without admitting fault or liability. Cause: The Board took this action based on First Mortgage's alleged violation of HUD/FHA requirements by its failure to notify HUD that First Mortgage entered into a consent order [[Page 16410]] with and paid fine to the State of Washington's Department of Financial Institutions. 8. Franklin American Mortgage Company, Franklin, IN [Docket No. 15- 0094-FC] Action: On November 29, 2015, the Board voted to release Franklin American Mortgage Company (``FAMC'') from any civil money penalties or administrative actions as part of a settlement between FAMC and the United States that required FAMC to pay the United States $70,000,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on FAMC's alleged failure to properly originate, underwrite, and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 9. Freedom Mortgage Corporation, Mount Laurel, NJ [Docket No. 16-0034- FC] Action: On March 10, 2016, the Board voted to release Freedom Mortgage Corporation (``FMC'') from any civil money penalties or administrative actions as part of a settlement between FMC and the United States that required FMC to pay the United States $113,000,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on FMC's alleged failure to properly originate, underwrite, and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 10. Golden Empire Mortgage, Inc., Bakersfield, CA [Docket No. 16-1670- MR] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with Golden Empire Mortgage, Inc. (``GEMI''). Pursuant to the terms of the settlement agreement, GEMI was required (a) to pay a civil money penalty in the amount of $128,000; and (b) refrain from making any claim for insurance benefits and/or indemnify HUD/FHA for all losses associated with six HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: GEMI (a) employed a branch manager who was indicted for bank fraud during his tenure with GEMI; (b) continued to originate HUD/FHA loans that were ineligible for insurance due to GEMI's continued employment of the indicted manager; and (c) failed to promptly notify HUD that GEMI's branch manager had been indicted for bank fraud. 11. HSBC Bank USA NA, Depew, NY [Docket No. 16-0076-FC] Action: On January 29, 2016, the Board voted to release HSBC Bank USA NA (``HSBC'') from any civil money penalties or administrative actions as part of a settlement between HSBC and the United States that required HSBC to pay the United States $100,000,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on HSBC's alleged failure to properly service HUD/FHA insured loans in violation of HUD/FHA requirements. 12. Liberty Bank, Middletown, CT [Docket No. 16-1690 MRT] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with Liberty Bank. Pursuant to the terms of the agreement, Liberty Bank was required to pay a civil money penalty in the amount of $8,500 without admitting fault or liability. Cause: The Board took this action based on Liberty Bank's alleged violation of HUD/FHA requirements by its failure to comply with HUD/FHA merger notification requirements. 13. Manufacturers and Traders Trust Company, Buffalo, NY [Docket No. 16-0040-FC] Action: On March 10, 2016, the Board voted to release Manufacturers and Traders Company (``M&T'') from any civil money penalties or administrative actions as part of a settlement between M&T and the United States that required M&T to pay the United States $64,000,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on M&T's alleged failure to properly originate, underwrite, and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 14. Meadowbrook Financial Mortgage Bankers Corporation, Garden City, NY [Docket No. 16-1661-MR] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with Meadowbrook Financial Mortgage Bankers Corporation (``MFMBC'') that required MFMBC to pay a civil money penalty in the amount of $5,000. Cause: The Board took this action based on MFMBC's alleged violation of HUD/FHA requirements by its improper approval of an HUD/ FHA insured mortgage for an ineligible co-borrower as the co-borrower was a non-permanent resident alien and was not going to occupy the property as a principal residence. 15. Mortgage Services III, Bloomington, IL [Docket No. 15-1814-MR] Action: On October 22, 2015, the Board voted to accept the terms of a settlement agreement with Mortgage Services III, LLC (``MSIII'') that required MSIII to pay a civil money penalty in the amount of $3,500 without admitting fault or liability. Cause: The Board took this action based on MSIII's alleged violation of HUD/FHA requirements by its failure to obtain a payoff statement for a subordinate lien that was to be paid off with the proceeds of a HUD/FHA insured mortgage. 16. Ocwen Loan Servicing, LLC, West Palm Beach, FL [Docket No. 15-1636- MR] Action: On June 2, 2016, the Board entered into a settlement agreement with Ocwen Loan Servicing, LLC (``Ocwen'') that required Ocwen to (a) pay a civil money penalty in the amount of $604,000; (b) reimburse HUD in the amount of $225,875 for losses HUD incurred on three HUD/FHA insured loans; and (c) reimburse HUD in the amount of $2,000 for loss mitigation incentive fees with respect to two HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: Ocwen (a) failed to comply with HUD's loss mitigation requirements with respect to seven loans; (b) failed to send letters to borrowers' attorneys notifying them of the availability of loss mitigation for four loans; (c) failed to conduct and document that it performed a management committee review prior to referring loans to foreclosure for 37 loans; (d) failed to complete foreclosures within the required time frames, without seeking an extension of time from HUD for 18 loans; (e) failed to timely disburse escrow funds for insurance and taxes, resulting in penalties or late fees accruing to the borrower, for five loans; (f) improperly charged borrowers fees that were not in accordance with HUD/FHA requirements for 52 loans; (g) failed to check the Limited Denial of Participation and System for Award Management (``LDP/SAM'') exclusion lists prior to approving a Home [[Page 16411]] Affordable Modification Program (``HAMP''); (h) failed to produce or retain portions of the servicing files as required by HUD for five loans; (i) failed to comply with HUD document requests; (j) failed to accurately report 38 loans in HUD's Single Family Default Monitoring System (``SFDMS''); (k) sent delinquent borrowers outdated HUD documentation; (l) failed to implement a quality control program that contained all of the elements required by HUD; and (m) failed to timely report to HUD a regulatory action by multiple state attorneys general and the CFPB. 17. Peoples Bank, Overland Park, KS [Docket No. 15-1703-MR] Action: On October 22, 2015, the Board voted to accept the terms of a settlement agreement with Peoples Bank that required Peoples Bank to (a) pay a civil money penalty in the amount of $5,000; and (b) refrain from making any claim for insurance benefits and/or indemnify HUD/FHA for all losses associated with one HUD/FHA insured loan. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on Peoples Bank's alleged violation of HUD/FHA requirements by its failure to reconcile discrepancies with respect to verification of a borrower's employment. 18. RANLife, Inc., Sandy, UT [Docket No.16-0077-FC] Action: On October 22, 2015, the Board voted to accept the terms of a settlement agreement between RANLife, Inc. (``RANLife'') and the United States that required RANLife to pay the United States $1,032,714.96, of which HUD will receive $1,001,733.51 paid over two years. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on RANLife's alleged violation of HUD/FHA requirements by its failure to properly underwrite and conduct quality control reviews on HUD/FHA insured loans. 19. Regions Bank, Hoover, AL [Docket No. 16-0068-FC] Action: On September 9, 2016, the Board voted to release Regions Bank (``Regions'') from any civil money penalties or administrative actions as part of a settlement between Regions and the United States that required Regions to pay the United States $52,400,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on Regions' alleged failure to properly originate, underwrite, and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 20. Renasant Bank, Birmingham, AL [Docket No. 16-1721-MR] Action: On August 25, 2016, the Board voted to accept the terms of a settlement agreement with Renasant Bank (``Renasant'') that required Renasant to pay a civil money penalty in the amount of $17,000 without admitting fault or liability. Cause: The Board took this action based on the following violation of HUD/FHA requirements alleged by HUD: Renasant (a) failed to comply with HUD/FHA merger notification requirements; and (b) falsely certified to HUD/FHA that Renasant had complied with all HUD/FHA regulations in its 2015 annual certification. 21. Ross Mortgage Corporation, Troy, MI [Docket No. 16-1633-MR] Action: On April 21, 2016, the Board voted to accept the terms of a settlement agreement with Ross Mortgage Corporation (``RMC'') that required RMC to: (a) Pay a civil money penalty in the amount of $97,500; (b) pay a sum of $327,500; (c) pay $1,325,000 to reimburse HUD for losses that it has suffered, or anticipates that it will suffer, with respect to 20 HUD/FHA insured loans; and (d) indemnify HUD for 33 HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: RMC (a) failed to obtain adequate documentation to verify the source of funds or failed to clarify and resolve discrepancies in the documentation prior to the loans' approval for HUD/FHA insurance for 67 loans; (b) accepted and used faxed documents from an undisclosed source without obtaining a copy of the original documents or verifying the authenticity of the information provided for 24 loans; (c) submitted false certifications regarding the origination and processing of seven HUD/FHA insured mortgage loans; (d) failed to comply with HUD's requirements regarding the prohibition on property flipping, or failed to obtain and submit to HUD a complete second appraisal for three loans; (e) failed to consider the borrower's liabilities in the underwriting analysis and to verify and document whether the borrower met HUD/FHA requirements relating to income, credit, and cash investment for six loans; (f) failed to provide adequate documentation to ensure the borrowers were current for the month due prior to closing on the land contract being refinanced for one loan; (g) charged a commitment fee without a written guarantee that ensured the loan terms would not change for a definite period of time for ten loans; and (h) failed to implement a quality control plan that was in compliance with HUD/FHA requirements. 22. SecurityNational Mortgage Company, Salt Lake City, UT [Docket No. 16-0073-FC] Action: On September 9, 2016, the Board voted to release SecurityNational Mortgage Company (``SNMC'') from any civil money penalties or administrative actions as part of a settlement between SNMC and the United States that required SNMC to pay the United States $4,250,000. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on SNMC's alleged failure properly originate, underwrite, and conduct quality control reviews for HUD/FHA insured loans in violation of HUD/FHA requirements. 23. Sutherland Mortgage Services, Inc., Houston, TX [Docket No. 16- 1657-MRT] Action: On August 25, 2016, the Board voted to seek civil money penalties against Sutherland Mortgage Services, Inc. (``SMS''). The Board entered into a settlement agreement with SMS that required SMS to pay civil money penalties in the amount of $23,500. Cause: The Board took this action based on the following violations of HUD/FHA requirements as alleged by HUD: SMS (a) failed to timely submit its annual audited financial statement and supplemental reports; (b) failed to notify HUD of quarterly net operating losses exceeding 20%; and (c) failed to notify HUD of a sanction imposed by the State of Oklahoma. 24. TD Bank Group, Falmouth, ME [Docket No. 15-1668-MR] Action: On March 10, 2016, the Board voted to accept the terms of a settlement agreement with TD Bank Group (``TD Bank'') that required TD Bank to pay a civil money penalty in the amount of $221,000 and indemnify HUD for losses incurred for fourteen HUD/FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements as alleged by HUD: TD Bank (a) failed to resolve discrepancies regarding the borrower's employment and bank documents with respect to one loan; (b) failed to [[Page 16412]] adequately document the income and/or stability of borrower income for two loans; (c) failed to properly document a gift for one loan; (d) failed to properly record a Mortgage Insurance Certificate for one loan; (e) failed to ensure that borrowers met credit eligibility requirements with respect to four loans; (f) failed to confirm that borrowers in refinance transactions had made all mortgage payments on loans being refinanced within the month due for the prior 12 months for 11 loans; (g) failed to document the mortgage loan payoff statements for five loans; and (h) failed to obtain a Certification for Individual Unit Financing as required for condominium approval. 25. United Shore Financial Services, LLC., Troy MI [Docket No. 15-1566- MR] Action: On December 17, 2015, the Board voted to accept the terms of a settlement agreement with United Shore Financial Services, LLC (``USFS'') that required USFS (a) to pay a civil money penalty in the amount of $110,500; and (b) refrain from making any claim for insurance benefits and/or indemnify HUD for losses incurred for twenty-four HUD/ FHA insured loans. The settlement did not constitute an admission of liability or fault. Cause: The Board took this action based on the following violations of HUD/FHA requirements alleged by HUD: USFS (a) failed to adequately document the income or stability of income used to qualify borrowers for nine loans; (b) failed to adequately document the source of funds used for the down payment, closing costs, or payment of debt prior to closing for eight loans; (c) failed to consider all of the borrowers' liabilities in the underwriting analysis for six loans; (d) failed to resolve discrepancies or irregularities with respect to social security numbers and paystubs for one loan; (e) failed to correctly calculate the maximum mortgage amount for one loan; (f) failed to properly check the Credit Alert Verification Reporting System (``CAVRS'') by entering the wrong social security number and consequently approving one loan; (g) failed to comply with HUD's property flipping waiver requirements for one loan; (h) failed to submit accurate loan level data in FHA Connection for six loans; and (i) charged borrowers for credit reports in amounts that exceeded USFS's actual costs for ten loans. II. Lenders That Failed To Timely Meet Requirements for Annual Recertification of HUD/FHA Approval but Came Into Compliance Action: The Board entered into settlement agreements with the lenders listed below, which required the lender to pay a civil money penalty without admitting fault or liability. Cause: The Board took this action based upon allegations that the lenders listed below failed to comply with HUD's annual recertification requirements in a timely manner. 1. 1st Constitution Bank, Cranbury, NJ ($3,500) [Docket No.15-1935- MRT] 2. 1st Reliant Home Loans, Inc., Costa Mesa, CA ($3,500) [Docket No. 15-1811-MRT] 3. ADK Bancorp, Inc., Westminster, CA ($8,500) [Docket No.15-1949- MRT] 4. Anchor Mortgage, LLC, Daniel Island, SC ($3,500) [Docket No.16- 1607-MRT] 5. Approved Funding Corp., Brooklyn, NY ($8,500) [Docket No. 15- 1913-MRT] 6. Arcstone Financial, Inc., Los Angeles, CA ($4,500) [Docket No.16- 1839-MRT] 7. Arcstone Financial, Inc., Los Angeles, CA ($3,500) [Docket No. 15-1833-MRT] 8. Associated Credit Union of Texas, League City, TX ($4,500) [Docket No. 16-1734-MRT] 9. Audubon Savings Bank, Audubon, NJ ($3,500) [Docket No. 15-1652- MRT] 10. Aurora Financial Group, Inc., Marlton, NJ ($4,500) [Docket No.16-1788-MRT] 11. Bank Vista, Sartell, MN ($3,500) [Docket No. 15-1916-MRT] 12. Bay Bank, FSB, Timonium, MD ($4,500) [Docket No. 15-1809-MRT] 13. BCB Community Bank, Bayonne, NJ ($16,000) [Docket No. 15-1666- MRT] 14. BondCorp Realty Services, Inc., Newport Beach, CA ($4,250) [Docket No. 15-1859-MRT] 15. Boulder Valley Credit Union, Boulder, CO ($8,500) [Docket No.16- 1639-MRT] 16. Bridgeview Mortgage Corporation, Franklin Square, NY ($8,500) [Docket No. 15-1712-MRT] 17. Cache Valley Bank, Logan, UT ($3,500) [Docket No. 14-1635-MRT] 18. Castle Mortgage Corporation, San Diego, CA ($4,500) [Docket No. 16-1680-MRT] 19. CBC Federal Credit Union, Oxnard, CA ($3,500) [Docket No. 15- 1604-MRT] 20. CenterBank, Milford, OH ($3,500) [Docket No. 15-1897-MRT] 21. Central Bank, Tampa, FL ($3,500) [Docket No. 15-1866-MRT] 22. Central Bank and Trust, Lander, WY ($3,500) [Docket No. 15-1590- MRT] 23. Chicago Financial Services, Inc., Chicago, IL ($3,500) [Docket No. 15-1955-MRT] 24. Citizens National Bank of Greater St. Louis, Maplewood, MO ($3,500) [Docket No. 15-1581-MRT] 25. Citizens Trust Bank, Atlanta, GA, ($3,500) [Docket No. 15-1760- MRT] 26. City Savings Bank & Trust, Deridder, LA, ($8,500) [Docket No. 15-1761-MRT] 27. Clark County Credit Union, Las Vegas, NV ($3,500) [Docket No. 15-1829-MRT] 28. Community First National Bank, Manhattan, KS ($3,500) [Docket No. 15-1874-MRT] 29. Community Resource Credit Union, Baytown, TX ($4,500) [Docket No. 16-1826-MRT] 30. Community State Bank, Saint Charles, MI ($3,500) [Docket No. 15- 1623-MRT] 31. Congressional Bank, Bethesda, MD ($8,500) [Docket No. 15-1763- MRT] 32. Cooperativa de Ahorro y Credito La Puertorriquena, San Juan, PR ($8,500) [Docket No. 16-1600-MRT] 33. CoVantage Credit Union, Antigo, WI ($4,500) [Docket No. 16-1664- MRT] 34. Crescent Mortgage Company, Atlanta, GA ($4,500) [Docket No. 15- 1888-MRT] 35. Cross River Bank, Teaneck, NJ ($3,500) [Docket No. 16-1677-MRT] 36. Directors Financial Group, Newport Beach, CA ($4,500) [Docket No. 16-1842-MRT] 37. DSW Mortgage, Inc., Boulder, CO ($4,500) [Docket No. 16-1808- MRT] 38. Eagle Mortgage & Funding Inc., Memphis, TN ($3,500) [Docket No. 15-1725-MRT] 39. Express Solutions Mortgage Corporation, Cabo Rojo, PR ($8,500) [Docket No. 16-1810-MRT] 40. Fifth Third Bank, Cincinnati, OH ($3,500) [Docket No. 16-1648- MRT] 41. First Bank of the Palm Beaches, West Palm Beach, FL ($3,500) [Docket No. 15-1965-MRT] 42. First Capital Bank of Kentucky, Louisville, KY ($3,500) [Docket No. 14-1720-MRT] 43. FirstCity Bank of Commerce, Palm Beach Gardens, FL ($3,500) [Docket No. 15-1890-MRT] 44. First Mariner Bank, Baltimore, MD ($3,500) [Docket No. 15-1927] 45. First National Bank, Southlake, TX ($7,500) [Docket No. 15-1769- MRT] 46. First National Bank, Cortez, Cortez, CO ($4,500) [Docket No. 16- 1676-MRT] 47. First National Bank, USA, Boutte, LA ($3,500) [Docket No. 15- 1579-MRT] 48. First NBC Bank, New Orleans, LA ($9,468) [Docket No. 16-1844- MRT] 49. First State Bank, Omaha, NE ($3,500) [Docket No. 15-1855-MRT] 50. First Utah Bank, Sandy, UT ($8,500) [Docket No. 15-1715-MRT] 51. Forbix Financial, Flowood, MS ($3,500) [Docket No. 15-1876-MRT] 52. Freedom of Maryland Federal Credit Union, Bel Air, MD ($4,500) [Docket No. 16-1738-MRT] 53. Fremont Bank, Fremont, CA ($3,500) [Docket No. 15-1839-MRT] 54. Global Bancorp d/b/a New Rate Lending, Irvine, CA ($8,500) [Docket No. 15-1967-MRT] 55. Green Bank, N.A., Houston, TX ($4,500) [Docket No. 16-1759-MRT] 56. Guaranty Bank FSB, Milwaukee, WI ($3,500) [Docket No. 15-1898- MRT] 57. Guardian Savings Bank FSB, Cincinnati, OH ($3,500) [Docket No. 15-1873-MRT] 58. Gulf Atlantic Funding Group, Inc., Davie, FL ($8,500) [Docket No. 16-1643-MRT] 59. Highmark Federal Credit Union, Rapid City, SD ($4,500) [Docket No. 16-1654-MRT] 60. Home Bank, N.A., Lafayette, LA ($8,500) [Docket No. 16-1642-MRT] 61. Home Federal Bank, Shreveport, LA [[Page 16413]] ($3,500) [Docket No. 15-1640-MRT] 62. Home Savings Bank, Madison, WI ($3,500) [Docket No. 16-1655-MRT] 63. HR Mortgage Corp., Caguas, PR ($8,500) [Docket No. 15-1925- MRT] 64. iBeriaBank, Lafayette, LA ($3,500) [Docket No. 15-1903-MRT] 65. Integrity Financial Services of Tampa Bay, Inc., Largo, FL ($4,500) [Docket No. 16-1674-MRT] 66. International Bank of Commerce, Laredo, TX ($3,500) [Docket No. 15-1877-MRT] 67. iServe Residential Lending LLC, San Diego, CA ($4,500) [Docket No. 16-1813-MRT] 68. Legends Bank, Clarksville, TN ($3,500) [Docket No. 15-1709-MRT] 69. Liberty Mortgage Corporation, Birmingham, AL ($3,500) [Docket No. 15-1951-MRT] 70. Magnolia Bank, Magnolia, KY ($3,500) [Docket No. 15-1862-MRT] 71. Marketplace Home Mortgage, LLC, Edina, MN ($3,500) [Docket No. 16-1709-MRT] 72. Massachusetts Mutual Life Insurance Company, Springfield, MA ($3,500) [Docket No. 15-1731-MRT] 73. MCT Credit Union, Port Neches, TX ($3,500) [Docket No. 15-1749- MRT] 74. MK Lending Corp., Los Angeles, CA ($8,500) [Docket No. 16-1656- MRT] 75. Mortgage Trust, Inc., Portland, OR ($3,500) [Docket No. 15-1936- MRT] 76. Nationwide Mortgage Bankers, Inc., Lebanon, NJ ($3,500) [Docket No. 15-1942-MRT] 77. Northwest Bank of Rockford, Loves Park, IL ($3,500) [Docket No. 15-1891-MRT] 78. PFL, Inc., San Antonio, TX ($8,500) [Docket No. 15-1892-MRT] 79. Pacific Premier Bank, Irvine, CA ($8,500) [Docket No. 15-1738- MRT] 80. Pacific Transportation Federal Credit Union, Carson, CA ($3,500) [Docket No. 15-1620-MRT] 81. Parks Heritage Federal Credit Union, Glenn Falls, NY ($3,500) [Docket No. 15-1586-MRT] 82. Phenix-Girard Bank, Phenix City, AL ($3,500) [Docket No. 15- 1648-MRT] 83. Platinum Bank, Lubbock, TX ($3,500) [Docket No. 15-1932-MRT] 84. PMAC Lending Services, Inc., Chino Hills, CA ($3,500) [Docket No. 15-1751-MRT] 85. Ready Mortgage Lenders LLC, Miami, FL ($3,500) [Docket No. 15- 1849-MRT] 86. Ross Mortgage Company, Inc., Westborough, MA ($3,500) [Docket No. 16-1640-MRT] 87. Scient Federal Credit Union, Groton, CT ($3,500) [Docket No.15- 1906-MRT] 88. Seattle Metropolitan Credit Union, Seattle, WA ($3,500) [Docket No. 15-1918-MRT] 89. Seckel Capital LLC, Newtown, PA ($3,500) [Docket No.15-1583-MRT] 90. SecurityPlus Federal Credit Union, Baltimore, MD ($10,000) [Docket No. 15-1781-MRT] 91. Southeast Funding Alliance, Inc., Orlando, FL ($8,500) [Docket No. 15-1934-MRT] 92. Southern Crescent Mortgage and Investment Corporation, Fayetteville, GA ($3,500) [Docket No.16-1619-MRT] 93. SpiritBank, N.A., Tulsa, Ok ($3,500) [Docket No. 15-1910-MRT] 94. Standard Pacific Mortgage Inc., Irvine, CA ($4,500) [Docket No. 16-1847-MRT] 95. Sterling United Federal Credit Union, Evansville, IN ($3,500) [Docket No. 15-1954-MRT] 96. Supreme Funding Corporation, Arcadia, CA ($3,500) [Docket No.15- 1589-MRT] 97. Telco Triad Community Credit Union, Sioux City, IA ($8,500) [Docket No. 15-1785-MRT] 98. Texas Tech Federal Credit Union, Lubbock, TX ($4,500) [Docket No. 15-1719-MRT] 99. United Texas Bank, Dallas, TX ($3,500) [Docket No. 15-1615-MRT] 100. University First Federal Credit Union, Salt Lake City, UT ($3,500) [Docket No. 15-1923-MRT] 101. U.S. Financial Group, Inc., Lake Charles, LA ($3,500) [Docket No. 15-1909-MRT] 102. Wall Financial, Inc., Los Angeles, CA ($3,500) [Docket No.15- 1958-MRT] 103. West One Capital Group, Inc., Newport Beach, CA ($3,500) [Docket No. 15-1850-MRT] 104. West Town Bank & Trust, Frederick, MD ($3,500) [Docket No. 15- 1949-MRT] 105. Willamette Valley Bank, Salem, OR ($4,500) [Docket No. 16-1786- MRT] 106. Winona National Bank, Winona, MN ($3,500) [Docket No. 15-1796- MRT] III. Lenders That Failed To Meet Requirements for Annual Recertification of HUD/FHA Approval Action: The Board voted to withdraw the FHA approval of each of the lenders listed below for a period of one (1) year. Cause: The Board took this action based upon allegations that the lenders listed below were not in compliance with HUD's annual recertification requirements. 1. ACNB Bank, Gettysburg, PA [Docket No. 17-173-MRT] 2. Adams Mortgage, LLC, Colorado Springs, CO [Docket No. 15-1907- MRT] 3. Advance Mortgage Bankers, Inc., Bayamon, PR [Docket No. 17-1802- MRT] 4. Advantage Financial Mortgage Bankers, Inc., Robbinsville, NJ [Docket No. 15-1802-MRT] 5. Agree Capital Corporation, Fresh Meadows, NY [Docket No. 17-1809- MRT] 6. AIG Federal Savings Bank, Wilmington, DE [Docket No. 17-1765-MRT] 7. Air Force Federal Credit Union, San Antonio, TX [Docket No. 17- 1789-MRT] 8. AllQuest Home Mortgage Corporation, Houston, TX [Docket No. 15- 1792-MRT] 9. Amera Mortgage Corporation, Milford, MI [Docket No. 17-1756-MRT] 10. American Investors Bank & Mortgage, Eden Prairie, MN [Docket No. 17-1810-MRT] 11. Americas Mortgage LLC, Wheat Ridge, CO [Docket No. 17-1757-MRT] 12. Anchor Funding Corporation, Norcross, GA [Docket No. 17-1790- MRT] 13. Bank of Commerce, Yukon, OK [Docket No. 16-1783-MRT] 14. Bank of Manhattan, NA, El Segundo, CA [Docket No. 17-1734-MRT] 15. Bank of Union, El Reno, OK [Docket No. 17-1782-MRT] 16. Bank Tennessee, Germantown, TN [Docket No. 14-1590-MRT] 17. Bankers Financial Group, Inc., Bowie, MD [Docket No. 17-1766- MRT] 18. Bankers Mortgage and Investment Group, Inc., Overland Park, KS [Docket No. 15-1663-MRT] 19. Battery Park City Authority, New York, NY [Docket No. 17-1811- MRT] 20. Beacon Federal, East Syracuse, NY [Docket No. 17-1791-MRT] 21. Berkshire Bank, Wyomissing, PA [Docket No. 16-1841-MRT] 22. Biopharmaceutica Coop, Carolina, PR [Docket No. 15-1641-MRT] 23. Blanco National Bank, Spring Branch, TX [Docket No. 17-1758-MRT] 24. BondCorp Realty Services, Inc., Newport Beach, CA [Docket No. 17-1829-MRT] 25. Boulevard Bank, Neosho, MO [Docket No. 17-1792-MRT] 26. Buffalo Trace Area Development District, Maysville, KY [Docket No. 17-1812-MRT] 27. C F Funding Corporation, Naperville, IL [Docket No. 16-1779-MRT] 28. Carnegie Mortgage, LLC, Irvine, CA [Docket No. 17-1738-MRT] 29. Cavalier Mortgage Group, Inc., Raleigh, NC [Docket No. 15-1804- MRT] 30. Chicago Bancorp, Inc., Chicago, IL [Docket No. 16-1848-MRT] 31. Citizen Home Loans of America, Inc., Dayton, OH [Docket No. 17- 1813-MRT] 32. Citizens National Bank, N.A., Bossier City, LA [Docket No. 15- 1728-MRT] 33. ClearSpring Loan Services, Inc., Dallas, TX [Docket No. 16-1653- MRT] 34. CMS Bank, White Plains, NY [Docket No. 17-1793-MRT] 35. Cobalt Mortgage, Kirkland, WA [Docket No. 17-1739-MRT] 36. Colonial American Bank, Shrewsbury, NJ [Docket No. 17-1803-MRT] 37. Community Bank-Wheaton Glen Ellyn, Glen Ellyn, IL [Docket No. 17-1814-MRT] 38. Corridor Mortgage Company, LLC, Bristol, PA [Docket No. 17-1804- MRT] 39. Covenant Bank, Leeds, AL [Docket No. 17-1740-MRT] 40. Day Air Credit Union, Kettering, OH [Docket No. 15-1611-MRT] 41. Dexter Credit Union, Central Falls, RI [Docket No. 16-1744-MRT] 42. Doral Bank, San Juan, PR [Docket No. 17-1741-MRT] 43. Doral Financial Corporation, San Juan, PR [Docket No. 17-1742- MRT] 44. Evergreen Credit Union, Portland, ME [Docket No. 17-1794-MRT] 45. Farmers Bank & Trust Company, Blytheville, AR [Docket No. 15- 1917-MRT] 46. Farmers Citizens Bank, Dublin, OH [Docket No. 17-1767-MRT] 47. Farmington Financial Group LLC, Nashville, TN [Docket No. 17- 1759-MRT] 48. FedTrust Mortgage LLC, Farmington Hills, MI [Docket No. 17-1795- MRT] 49. FirstBank, Strasburg, VA [Docket No. 17-1815-MRT] [[Page 16414]] 50. First Capital Mortgage Group, Inc., Pittsburgh, PA [Docket No. 17-1768-MRT] 51. First Century Bank, N.A., Gainesville, GA [Docket No. 16-1878- MRT] 52. First Choice Bank, Cerritos, CA [Docket No. 15-1843-MRT] 53. First Commercial Bank, Oklahoma City, OK [Docket No. 15-1572- MRT] 54. First Financial Services, Charlotte, NC [Docket No. 17-1751-MRT] 55. First Florida Credit Union, Jacksonville, FL [Docket No. 17- 1816-MRT] 56. First National Bank, Camdenton, MO [Docket No. 17-1783-MRT] 57. First Savings Bank of Perkasie, Perkasie, PA [Docket No. 17- 1750-MRT] 58. First Southern Capital Development Corporation, Rancho Palos Verdes, CA [Docket No. 17-1755-MRT] 59. First State Bank Mortgage Company, LLC, Clinton Township, MI [Docket No. 17-1743-MRT] 60. Flatbush Federal Savings, Brooklyn, NY [Docket No. 17-1760-MRT] 61. Florida Bank of Commerce, Orlando, FL [Docket No. 15-1797-MRT] 62. Foundation First Bank, Omaha, NE [Docket No. 15-1742-MRT] 63. Frontier State Bank, Oklahoma City, OK [Docket No. 16-1787-MRT] 64. Gateway Bank, F.S.B., Oakland, CA [Docket No. 15-1658-MRT] 65. Gencor Mortgage, Inc., Scottsdale, AZ [Docket No. 17-1769-MRT] 66. Global Advisory Group, Inc., Everett, WA [Docket No. 17-1770- MRT] 67. Grand Bank, N.A., Hamilton, NJ [Docket No. 15-1729-MRT] 68. Guaranteed Home Mortgage Company, Inc., White Plains, NY [Docket No. 17-1771-MRT] 69. Hana Financial, Inc., Los Angeles, CA [Docket No. 17-1817-MRT] 70. Harbor National Bank, Mt. Pleasant, SC [Docket No. 17-1752-MRT] 71. Harvard Home Mortgage, Inc., Annapolis, MD [Docket No. 17-1772- MRT] 72. Heritage Bank, Jonesboro, AR [Docket No. 17-1773-MRT] 73. Hickory Point Bank and Trust, F.S.B., Decatur, IL [Docket No. 15-1929-MRT] 74. Home Federal Bank, Nampa, ID [Docket No. 15-1640-MRT] 75. Home Loan Center, Inc., Irvine, CA [Docket No. 17-1784-MRT] 76. Homeowners Mortgage of America, Inc., Jacksonville, FL [Docket No. 17-1774-MRT] 77. Housing Authority of the Osage Tribe, Hominy, OK [Docket No. 17- 1818-MRT] 78. Hudson City Savings Bank, Paramus, NJ [Docket No. 17-1805-MRT] 79. Infinity Federal Credit Union, Westbrook, ME [Docket No. 17- 1747-MRT] 80. Integrated Financial Group, Inc., Newtown PA [Docket No. 17- 1775-MRT] 81. Kenilworth Financial, Oakbrook, Terrace, IL [Docket No. 17-1764- MRT] 82. Lafayette Federal Credit Union, Kensington, MD [Docket No. 16- 1853-MRT] 83. Lake Federal Bank, FSB, Hammond, IN [Docket No. 16-1694-MRT] 84. Landmark Credit Union, New Berlin, WI [Docket No. 17-1796-MRT] 85. Lending Solutions, Inc., Duluth, GA [Docket No. 16-1767-MRT] 86. LGE Community Credit Union, Marietta, GA [Docket No. 16-1678- MRT] 87. Liberty Bank of Arkansas, Jonesboro, AR [Docket No. 17-1776-MRT] 88. Loan One Mortgage Co., Inc., Westerville, OH [Docket No. 16- 1629-MRT] 89. Main Street Financial, Inc., Indianapolis, IN [Docket No. 17- 1819-MRT] 90. Medallion Mortgage Company LLC, Agoura Hills, CA [Docket No. 17- 177-MRT] 91. Menna Company, Marietta, GA [Docket No. 16-1726-MRT] 92. Meridian Lending Corporation, Lone Tree, CO [Docket No. 17-1761- MRT] 93. Metropolitan National Bank, Springfield, MO [Docket No. 17-1820- MRT] 94. Midwest Mortgage Capital, LLC, Saint Louis, MO [Docket No. 15- 1803-MRT] 95. Minneapolis Community Development Agency, Minneapolis, MN [Docket No. 17-1821-MRT] 96. Monument Bank, Rockville, MD [Docket No. 17-1735-MRT] 97. Mortgage Factory, Inc., Houston, TX [Docket No. 15-1944-MRT] 98. Mortgage House, San Juan, PR [Docket No. 16-1646-MRT] 99. Mortgage Investors Corporation, Saint Petersburg, FL [Docket No. 16-1747-MRT] 100. Mortgage Resources, Inc., Chesterfield, MO [Docket No. 17-1778- MRT] 101. MVB Bank, Inc., Bridgeport, WV [Docket No. 17-1744-MRT] 102. Naugatuck Valley Savings and Loan, Naugatuck, CT [Docket No. 16-1755-MRT] 103. NE Moves Mortgage, LLC, Waltham, MA [Docket No. 17-1822-MRT] 104. Nebraska Investment Finance Authority, Lincoln, NE [Docket No. 17-1823-MRT] 105. North Jersey Federal Credit Union, Totowa, NJ [Docket No. 17- 1736-MRT] 106. Northwest Georgia Bank, Ringgold, GA [Docket No. 15-1878-MRT] 107. NYMEO Federal Credit Union, Frederick, MD [Docket No. 15-1795- MRT] 108. Oasis Bank, SSB, Houston, TX [Docket No. 17-1785-MRT] 109. One Mortgage, Inc., Irving, TX [Docket No. 17-1786-MRT] 110. Palmetto South Mortgage Corporation, Columbia, SC [Docket No. 17-1787-MRT] 111. Patriot Bank Mortgage, Inc., Houston, TX [Docket No. 17-1806- MRT] 112. Raaven Capital, Inc., Olympia, WA [Docket No. 17-1807-MRT] 113. RBS Mortgage Corporation, San Juan, PR [Docket No. 17-1797-MRT] 114. Red Stone Agency Lending, LLC, New York, NY [Docket No. 17- 1798-MRT] 115. Reliant Mortgage Company, LLC, Beverly MA [Docket No. 15-1751- MRT] 116. Renew Financial Corporation II, Allentown, PA [Docket No. 17- 1824-MRT] 117. Resource Mortgage Banking LTD, Tarrytown, NY [Docket No. 17- 1788-MRT] 118. Resurgent Capital Services, LP, Greenville, SC [Docket No. 17- 1753-MRT] 119. Reverse Mortgage USA, Inc., Dallas TX [Docket No. 17-1762-MRT] 120. Roundpoint Mortgage Company, Charlotte, NC [Docket No. 17-1745- MRT] 121. S Bank, Glennville, GA [Docket No. 15-1661-MRT] 122. Sanford Institution for Savings, Sanford, ME [Docket No. 17- 1799-MRT] 123. Schaeffer Mortgage Corporation, Londonderry, NH [Docket No. 17- 1825-MRT] 124. Seasons Federal Credit Union, Middletown, CT [Docket No. 15- 1883-MRT] 125. Sherburne State Bank, Saint Cloud, MN [Docket No. 17-1779-MRT] 126. Sidus Financial, LLC, Greensboro, NC [Docket No. 16-1811-MRT] 127. Solera National Bank, Colorado Springs, CO [Docket No. 17-1808- MRT] 128. Southern Bank, Poplar Bluff, MO [Docket No. 17-1826-MRT] 129. Southern Puget Sound Inter Tribal Housing Authority, Shelton, WA [Docket No. 17-1827-MRT] 130. Summit Bank, Little Rock, AR [Docket No. 15-1807-MRT] 131. Texas Bay Area Credit Union, Houston, TX [Docket No. 17-1749- MRT] 132. The First National Bank Layton, Layton, UT [Docket No. 17-1754- MRT] 133. The Harbor Bank of Maryland, Baltimore, MD [Docket No. 15-1714- MRT] 134. Trust One Mortgage Corporation, Irvine, CA [Docket No. 17-1748- MRT] 135. TXL Mortgage Corporation, Houston, TX [Docket No. 17-1746-MRT] 136. United Bank, West Springfield, MA, [Docket No. 15-1788-MRT] 137. Union Federal Savings Bank, North Providence, RI [Docket No. 17-1800-MRT] 138. Valley Bank, Davenport, IA [Docket No. 17-1780-MRT] 139. Valley National Bank, Tulsa, OK [Docket No. 15-1746-MRT] 140. Virginia Heritage Bank, Vienna, VA [Docket No. 15-1919-MRT] 141. Vist Bank, Reading, PA [Docket No. 17-1781-MRT] 142. Visterra Credit Union, Moreno Valley, CA [Docket No. 16-1822- MRT] 143. Washington First Bank, Reston, VA [Docket No. 16-1795-MRT] 144. WCS Funding Group, Inc., Baltimore, MD [Docket No. 15-1915-MRT] 145. Western Heritage Bank, N.A., Las Cruces, NM [Docket No. 17- 1801-MRT] 146. Wingspan Portfolio Advisors, LLC, Dallas, TX [Docket No. 17- 1763-MRT] 147. Your Community Bank, New Albany, IN [Docket No. 17-828-MRT] Dated: March 30, 2017. Genger Charles, General Deputy Assistant Secretary, for Housing/FHA Commissioner, Chairman, Mortgagee Review Board. [FR Doc. 2017-06642 Filed 4-3-17; 8:45 am] BILLING CODE 4210-67-P
![16408 Federal Register / Vol. 82, No. 63 / Tuesday, April 4, 2017 / Notices
600 World Trade Center; Norfolk, 5, United States Code, Appendix). The (2) Cyber Security. The Committee
Virginia 23510. The Port of Virginia’s National Maritime Security Advisory will discuss and receive a brief on the
Web site is: http:// Committee operates under the authority current efforts to implement cyber
www.portofvirginia.com/. of 46 U.S.C. 70112. The National security strategies.
This meeting will be broadcast via a Maritime Security Advisory Committee (3) Cascadia Horizon. The Committee
web enabled interactive online format provides advice, consults with, and will discuss and receive a brief on the
and teleconference line. To participate makes recommendations to the results of the Coast Guard’s
via teleconference, dial 1–855–475– Secretary of Homeland Security, via the participation in the Cascadia Rising
2447; the pass code to join is 764 990 Commandant of the Coast Guard, on National Level exercise.
20#. Additionally, if you would like to matters relating to national maritime (4) Public comment period.
participate in this meeting via the security. Public comments or questions will be
online web format, please log onto A copy of all meeting documentation taken throughout the meeting as the
https://share.dhs.gov/nmsac/ and will be available at https:// Committee discusses the issues and
follow the online instructions to register homeport.uscg.mil/NMSAC by April 25, prior to deliberations and voting. There
for this meeting. If you encounter 2017. Alternatively, you may contact will also be a public comment period at
technical difficulties, contact Mr. Ryan Ryan Owens as noted in the FOR the end of the meeting. Speakers are
Owens at (202) 302–6565. FURTHER INFORMATION CONTACT section requested to limit their comments to 5
For information on facilities or above. minutes. Please note that the public
services for individuals with comment period may end before the
disabilities, or to request special Agenda of Meeting
period allotted, following the last call
assistance at the meetings, contact the Day 1 for comments. Contact the individual
individual listed in FOR FURTHER listed in the FOR FURTHER INFORMATION
The Committee will meet to review,
INFORMATION CONTACT below as soon as CONTACT section above to register as a
discuss and formulate recommendations
possible. speaker.
Instructions: You are free to submit on the following issues:
comments at any time, including orally (1) Security and Partnerships in the Dated: March 29, 2017.
at the meetings, but if you want Port Of Virginia. The Committee will V.B. Gifford, Jr.
committee members to review your receive a presentation from the Port of Captain, U.S. Coast Guard, Director of
comment before the meetings, please Virginia providing review of how the Inspections and Compliance.
submit your comments no later than Port of Virginia is partnering to [FR Doc. 2017–06656 Filed 4–3–17; 8:45 am]
April 20, 2017. We are particularly implement security strategies. BILLING CODE 9110–04–P
interested in comments on the issues in (2) Container Security, Non-Intrusive
the ‘‘Agenda’’ section below. You must Inspection/Radiation Portal Monitors.
include ‘‘Department of Homeland The Committee will discuss, receive a DEPARTMENT OF HOUSING AND
Security’’ and the docket number briefing and provide recommendations URBAN DEVELOPMENT
[USCG–2017–0203] in your submission. on Customs and Border Protections
Written comments should be submitted efforts to implement non-intrusive [Docket No. FR–6025–N–01]
using the Federal eRulemaking Portal: inspection in US ports.
(3) Unmanned Aerial Vehicles. The Mortgagee Review Board:
http://www.regulations.gov. If you Administrative Actions
encounter technical difficulties, contact increase in the use of unmanned aerial
Mr. Ryan F. Owens. Comments received vehicles within ports has introduced the AGENCY: Office of the Assistant
will be posted without alteration at need to provide guidance on how to Secretary for Housing—Federal Housing
http://www.regulations.gov including identify and report potential suspicious Commissioner, Department of Housing
any personal information provided. You activity associated with these vehicles. and Urban Development (‘‘HUD’’).
may review a Privacy Act notice The Committee will discuss, receive a
ACTION: Notice.
regarding the Federal Docket briefing and provide guidance.
Management System in the March 24, (4) Seafarer Access. The Committee SUMMARY: In compliance with Section
2005 issue of the Federal Register (70 will receive a follow-on brief from a 202(c)(5) of the National Housing Act,
FR 15086). discussion at the last October 2016 this notice advises of the cause and
Docket Search: For access to the public meeting. description of administrative actions
docket to read documents or comments (5) Regulatory Update. The Committee taken by HUD’s Mortgagee Review
related to this notice, go to http:// will receive an update brief on Board against HUD-approved
www.regulations.gov, and use ‘‘USCG– regulatory efforts to date. mortgagees.
2017–0203’’ in the ‘‘Search’’ box, press (6) Public Comment period.
FOR FURTHER INFORMATION CONTACT:
Enter, and then click on the item you Day 2 Nancy A. Murray, Secretary to the
wish to view. Mortgagee Review Board, 451 Seventh
The Committee will meet to review,
FOR FURTHER INFORMATION CONTACT: Mr. discuss and formulate recommendations Street SW., Room B–133/3150,
Ryan Owens, Alternate Designated on the following issues: Washington, DC 20410–8000; telephone
Federal Officer of the National Maritime (1) Extremely Hazardous Cargo (202) 708–2224 (this is not a toll-free
Security Advisory Committee, 2703 Strategy. In July, the Coast Guard tasked number). Persons with hearing or
asabaliauskas on DSK3SPTVN1PROD with NOTICES
Martin Luther King Jr. Avenue SE., the Committee to work with the speech impairments may access this
Washington, DC 20593, Stop 7581, Chemical Transportation Advisory number through TTY by calling the toll-
Washington, DC 20593–7581; telephone Committee to assist in the development free Federal Information Service at (800)
202–372–1108 or email ryan.f.owens@ of an Extremely Hazardous Cargo 877–8339.
uscg.mil. Strategy Implementation Plan. The SUPPLEMENTARY INFORMATION: Section
SUPPLEMENTARY INFORMATION: Notice of Committee will discuss and receive an 202(c)(5) of the National Housing Act
this meeting is in compliance with the update from the Extremely Hazardous (12 U.S.C. 1708(c)(5)) requires that HUD
Federal Advisory Committee Act, (Title Cargo Working Group on their efforts. ‘‘publish a description of and the cause
VerDate Sep<11>2014 16:21 Apr 03, 2017 Jkt 241001 PO 00000 Frm 00075 Fmt 4703 Sfmt 4703 E:\FR\FM\04APN1.SGM 04APN1](https://thefederalregister.org/doc/82_FR_16471/page/1.svg)
![Federal Register / Vol. 82, No. 63 / Tuesday, April 4, 2017 / Notices 16409
for administrative action against a HUD- Cause: The Board took this action two real estate properties, and the
approved mortgagee’’ by HUD’s based on the following violations of mortgage loans secured by those
Mortgagee Review Board (‘‘Board’’). In HUD/FHA requirements alleged by properties, on its 2012 and 2013 balance
compliance with the requirements of HUD: BancFirst (a) failed to properly sheets; (b) falsely certified to HUD/FHA
Section 202(c)(5), this notice advises of notify HUD/FHA it had acquired CSB that City First had complied with all
actions that have been taken by the Bancshares, Inc. and its subsidiary bank, HUD/FHA regulations in its 2014
Board in its meetings from October 1, Bank of Commerce; and (b) falsely annual certification; (c) failed to notify
2015 to September 30, 2016. certified to HUD/FHA that it had HUD that City First entered into a
complied with all HUD/FHA regulations consent order with and paid a fine to
I. Civil Money Penalties, Withdrawals the State of Illinois, Department of
in its March 1, 2016 annual
of FHA Approval, Suspensions, Financial and Professional Regulation,
certification.
Probations, Reprimands, and Division of Banking; and (d) failed to
Administrative Payments 3. Bank of England, Little Rock, AR notify HUD that City First entered into
[Docket No. 16–1669–MR] a settlement agreement with and paid a
1. AmCap Mortgage, Ltd., Houston, TX
[Docket No. 15–1889–MR] Action: On August 25, 2016, the penalty to the Department of Business
Board voted to accept the terms of a Oversight for the State of California.
Action: On June 16, 2016, the Board settlement agreement with Bank of
voted to accept the terms of a settlement 6. First Heritage Financial, LLC.,
England (‘‘BOE’’). Pursuant to the terms
agreement with AmCap Mortgage, Ltd. Trevose, PA [Docket No. 16–0000–MR]
of the settlement, BOE was required to
(‘‘AmCap’’) that required AmCap to (a) (a) pay a civil money penalty in the Action: On August 25, 2016, the
pay a civil money penalty in the amount amount of $6,500; and (b) refrain from Board voted to accept the terms of a
of $262,500; (b) pay an additional making any claim for insurance benefits settlement agreement with First Heritage
$75,000; and (c) refrain from making and/or indemnify HUD/FHA for the life Financial, LLC (‘‘First Heritage’’). The
any claim for insurance benefits and/or of the loan on all losses associated with settlement agreement required First
indemnify HUD/FHA for all losses one HUD/FHA insured loan. The Heritage to (a) pay a civil money penalty
associated with three HUD/FHA insured settlement did not constitute an in the amount of $120,500; and (b)
loans. The settlement did not constitute admission of liability or fault. refrain from making any claim for
an admission of liability or fault. Cause: The Board took this action insurance benefits and/or indemnify
Cause: The Board took this action based on BOE’s alleged violation of HUD/FHA for the life of the loan on all
based on the following violations of HUD/FHA requirements by its failure to losses associated with 36 HUD/FHA
HUD/FHA requirements alleged by verify and adequately document the insured loans. The settlement did not
HUD: AmCap (a) falsely certified to borrowers’ source of funds for closing constitute an admission of liability or
HUD/FHA that it had complied with all for two loans. fault and the Board executed the
HUD/FHA regulations in its 2013 and settlement agreement on January 3,
4. Branch Banking and Trust Company, 2017.
2014 annual certifications; (b) failed to Greensboro, NC [Docket No. 16–0075– Cause: The Board took this action
timely notify HUD of four incidents in FC] based on the following violations of
which AmCap and its employees were
Action: On September 9, 2016, the HUD/FHA requirements alleged by
sanctioned by the states of Utah and
Board voted to release Branch Banking HUD: First Heritage (a) falsely certified
Oklahoma; (c) failed to ensure the
and Trust Company (‘‘BB&T’’) from any to HUD/FHA that First Heritage had
correct branch identification number
civil money penalties or administrative complied with all HUD/FHA regulations
was used when originating four HUD/
actions as part of a settlement between in its 2015 annual certification; (b)
FHA insured mortgage loans; (d) failed
BB&T and the United States that failed to notify HUD that First Heritage
to perform quality control reviews for 43
required BB&T to pay the United States entered into a consent agreement and
loans that had early payment defaults;
$83,000,000. The settlement did not order with and paid a fine to the
(e) failed to perform the HUD/FHA
constitute an admission of liability or Pennsylvania Department of Banking,
required management response to
fault. Securities Compliance office; and (c)
address material appraisal deficiencies
Cause: The Board took this action submitted false loan certifications for 36
identified in the quality control report
based on BB&T’s alleged failure to loan files by allowing an individual
for one loan; (f) failed to include all of
properly originate, underwrite and whose mortgage loan license had been
the borrower’s liabilities in determining
conduct quality control reviews for suspended and cancelled to process the
the debt to income ratio for one loan; (g)
HUD/FHA insured loans in violation of origination of HUD/FHA insured loans.
failed to properly document the source
HUD/FHA requirements.
of closing funds for two loans; and (h) 7. First Mortgage Company, Oklahoma
failed to question the appraiser’s use of 5. City First Mortgage Services, LLC, City, OK [Docket No. 16–1823]
properties as comparables that were not Bountiful, UT [Docket No. 15–1657–MR] Action: On August 25, 2016, the
of the same quality as the subject Action: On March 10, 2016, the Board Board voted to accept the terms of a
modular home for one loan. voted to accept the terms of a settlement settlement agreement with First
2. BancFirst, Oklahoma City, OK agreement with City First Mortgage Mortgage Company (‘‘First Mortgage’’).
[Docket No. 16–1736] Services, LLC (‘‘City First’’) that Pursuant to the terms of the settlement
required City First to pay a civil money agreement, First Mortgage was required
asabaliauskas on DSK3SPTVN1PROD with NOTICES
Action: On August 25, 2016, the penalty in the amount of $35,000 to pay a civil money penalty in the
Board voted to seek civil money without admitting fault or liability. amount of $5,000 without admitting
penalties against BancFirst. The Board Cause: The Board took this action fault or liability.
entered into a settlement agreement based on the following violations of Cause: The Board took this action
with BancFirst that required BancFirst HUD/FHA requirements alleged by based on First Mortgage’s alleged
to pay a civil money penalty in the HUD: City First (a) failed to comply violation of HUD/FHA requirements by
amount of $17,000 without admitting with Generally Accepted Accounting its failure to notify HUD that First
fault or liability. Principles by inappropriately placing Mortgage entered into a consent order
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![16410 Federal Register / Vol. 82, No. 63 / Tuesday, April 4, 2017 / Notices
with and paid fine to the State of indicted manager; and (c) failed to HUD/FHA requirements by its improper
Washington’s Department of Financial promptly notify HUD that GEMI’s approval of an HUD/FHA insured
Institutions. branch manager had been indicted for mortgage for an ineligible co-borrower
bank fraud. as the co-borrower was a non-permanent
8. Franklin American Mortgage
resident alien and was not going to
Company, Franklin, IN [Docket No. 15– 11. HSBC Bank USA NA, Depew, NY occupy the property as a principal
0094–FC] [Docket No. 16–0076–FC] residence.
Action: On November 29, 2015, the Action: On January 29, 2016, the
Board voted to release Franklin Board voted to release HSBC Bank USA 15. Mortgage Services III, Bloomington,
American Mortgage Company NA (‘‘HSBC’’) from any civil money IL [Docket No. 15–1814–MR]
(‘‘FAMC’’) from any civil money penalties or administrative actions as Action: On October 22, 2015, the
penalties or administrative actions as part of a settlement between HSBC and Board voted to accept the terms of a
part of a settlement between FAMC and the United States that required HSBC to settlement agreement with Mortgage
the United States that required FAMC to pay the United States $100,000,000. The Services III, LLC (‘‘MSIII’’) that required
pay the United States $70,000,000. The settlement did not constitute an MSIII to pay a civil money penalty in
settlement did not constitute an admission of liability or fault. the amount of $3,500 without admitting
admission of liability or fault. Cause: The Board took this action fault or liability.
Cause: The Board took this action based on HSBC’s alleged failure to Cause: The Board took this action
based on FAMC’s alleged failure to properly service HUD/FHA insured based on MSIII’s alleged violation of
properly originate, underwrite, and loans in violation of HUD/FHA HUD/FHA requirements by its failure to
conduct quality control reviews for requirements. obtain a payoff statement for a
HUD/FHA insured loans in violation of subordinate lien that was to be paid off
HUD/FHA requirements. 12. Liberty Bank, Middletown, CT with the proceeds of a HUD/FHA
[Docket No. 16–1690 MRT] insured mortgage.
9. Freedom Mortgage Corporation, Action: On August 25, 2016, the
Mount Laurel, NJ [Docket No. 16–0034– 16. Ocwen Loan Servicing, LLC, West
Board voted to accept the terms of a Palm Beach, FL [Docket No. 15–1636–
FC] settlement agreement with Liberty Bank. MR]
Action: On March 10, 2016, the Board Pursuant to the terms of the agreement,
voted to release Freedom Mortgage Liberty Bank was required to pay a civil Action: On June 2, 2016, the Board
Corporation (‘‘FMC’’) from any civil money penalty in the amount of $8,500 entered into a settlement agreement
money penalties or administrative without admitting fault or liability. with Ocwen Loan Servicing, LLC
actions as part of a settlement between Cause: The Board took this action (‘‘Ocwen’’) that required Ocwen to (a)
FMC and the United States that required based on Liberty Bank’s alleged pay a civil money penalty in the amount
FMC to pay the United States violation of HUD/FHA requirements by of $604,000; (b) reimburse HUD in the
$113,000,000. The settlement did not its failure to comply with HUD/FHA amount of $225,875 for losses HUD
constitute an admission of liability or merger notification requirements. incurred on three HUD/FHA insured
fault. loans; and (c) reimburse HUD in the
Cause: The Board took this action 13. Manufacturers and Traders Trust amount of $2,000 for loss mitigation
based on FMC’s alleged failure to Company, Buffalo, NY [Docket No. 16– incentive fees with respect to two HUD/
properly originate, underwrite, and 0040–FC] FHA insured loans. The settlement did
conduct quality control reviews for Action: On March 10, 2016, the Board not constitute an admission of liability
HUD/FHA insured loans in violation of voted to release Manufacturers and or fault.
HUD/FHA requirements. Traders Company (‘‘M&T’’) from any Cause: The Board took this action
civil money penalties or administrative based on the following violations of
10. Golden Empire Mortgage, Inc., HUD/FHA requirements alleged by
actions as part of a settlement between
Bakersfield, CA [Docket No. 16–1670– HUD: Ocwen (a) failed to comply with
M&T and the United States that required
MR] HUD’s loss mitigation requirements
M&T to pay the United States
Action: On August 25, 2016, the $64,000,000. The settlement did not with respect to seven loans; (b) failed to
Board voted to accept the terms of a constitute an admission of liability or send letters to borrowers’ attorneys
settlement agreement with Golden fault. notifying them of the availability of loss
Empire Mortgage, Inc. (‘‘GEMI’’). Cause: The Board took this action mitigation for four loans; (c) failed to
Pursuant to the terms of the settlement based on M&T’s alleged failure to conduct and document that it performed
agreement, GEMI was required (a) to pay properly originate, underwrite, and a management committee review prior
a civil money penalty in the amount of conduct quality control reviews for to referring loans to foreclosure for 37
$128,000; and (b) refrain from making HUD/FHA insured loans in violation of loans; (d) failed to complete foreclosures
any claim for insurance benefits and/or HUD/FHA requirements. within the required time frames,
indemnify HUD/FHA for all losses without seeking an extension of time
associated with six HUD/FHA insured 14. Meadowbrook Financial Mortgage from HUD for 18 loans; (e) failed to
loans. The settlement did not constitute Bankers Corporation, Garden City, NY timely disburse escrow funds for
an admission of liability or fault. [Docket No. 16–1661–MR] insurance and taxes, resulting in
Cause: The Board took this action Action: On August 25, 2016, the penalties or late fees accruing to the
asabaliauskas on DSK3SPTVN1PROD with NOTICES
based on the following violations of Board voted to accept the terms of a borrower, for five loans; (f) improperly
HUD/FHA requirements alleged by settlement agreement with charged borrowers fees that were not in
HUD: GEMI (a) employed a branch Meadowbrook Financial Mortgage accordance with HUD/FHA
manager who was indicted for bank Bankers Corporation (‘‘MFMBC’’) that requirements for 52 loans; (g) failed to
fraud during his tenure with GEMI; (b) required MFMBC to pay a civil money check the Limited Denial of
continued to originate HUD/FHA loans penalty in the amount of $5,000. Participation and System for Award
that were ineligible for insurance due to Cause: The Board took this action Management (‘‘LDP/SAM’’) exclusion
GEMI’s continued employment of the based on MFMBC’s alleged violation of lists prior to approving a Home
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Affordable Modification Program conduct quality control reviews for closing on the land contract being
(‘‘HAMP’’); (h) failed to produce or HUD/FHA insured loans in violation of refinanced for one loan; (g) charged a
retain portions of the servicing files as HUD/FHA requirements. commitment fee without a written
required by HUD for five loans; (i) failed guarantee that ensured the loan terms
20. Renasant Bank, Birmingham, AL
to comply with HUD document would not change for a definite period
[Docket No. 16–1721–MR]
requests; (j) failed to accurately report of time for ten loans; and (h) failed to
38 loans in HUD’s Single Family Default Action: On August 25, 2016, the implement a quality control plan that
Monitoring System (‘‘SFDMS’’); (k) sent Board voted to accept the terms of a was in compliance with HUD/FHA
delinquent borrowers outdated HUD settlement agreement with Renasant requirements.
documentation; (l) failed to implement Bank (‘‘Renasant’’) that required
Renasant to pay a civil money penalty 22. SecurityNational Mortgage
a quality control program that contained
in the amount of $17,000 without Company, Salt Lake City, UT [Docket
all of the elements required by HUD;
admitting fault or liability. No. 16–0073–FC]
and (m) failed to timely report to HUD
a regulatory action by multiple state Cause: The Board took this action Action: On September 9, 2016, the
attorneys general and the CFPB. based on the following violation of Board voted to release SecurityNational
HUD/FHA requirements alleged by Mortgage Company (‘‘SNMC’’) from any
17. Peoples Bank, Overland Park, KS HUD: Renasant (a) failed to comply with civil money penalties or administrative
[Docket No. 15–1703–MR] HUD/FHA merger notification actions as part of a settlement between
Action: On October 22, 2015, the requirements; and (b) falsely certified to SNMC and the United States that
Board voted to accept the terms of a HUD/FHA that Renasant had complied required SNMC to pay the United States
settlement agreement with Peoples Bank with all HUD/FHA regulations in its $4,250,000. The settlement did not
that required Peoples Bank to (a) pay a 2015 annual certification. constitute an admission of liability or
civil money penalty in the amount of 21. Ross Mortgage Corporation, Troy, MI fault.
$5,000; and (b) refrain from making any [Docket No. 16–1633–MR] Cause: The Board took this action
claim for insurance benefits and/or based on SNMC’s alleged failure
Action: On April 21, 2016, the Board properly originate, underwrite, and
indemnify HUD/FHA for all losses
voted to accept the terms of a settlement conduct quality control reviews for
associated with one HUD/FHA insured
agreement with Ross Mortgage HUD/FHA insured loans in violation of
loan. The settlement did not constitute
Corporation (‘‘RMC’’) that required RMC HUD/FHA requirements.
an admission of liability or fault.
Cause: The Board took this action to: (a) Pay a civil money penalty in the
amount of $97,500; (b) pay a sum of 23. Sutherland Mortgage Services, Inc.,
based on Peoples Bank’s alleged
$327,500; (c) pay $1,325,000 to Houston, TX [Docket No. 16–1657–MRT]
violation of HUD/FHA requirements by
reimburse HUD for losses that it has Action: On August 25, 2016, the
its failure to reconcile discrepancies
suffered, or anticipates that it will Board voted to seek civil money
with respect to verification of a
suffer, with respect to 20 HUD/FHA penalties against Sutherland Mortgage
borrower’s employment.
insured loans; and (d) indemnify HUD Services, Inc. (‘‘SMS’’). The Board
18. RANLife, Inc., Sandy, UT [Docket for 33 HUD/FHA insured loans. The entered into a settlement agreement
No.16–0077–FC] settlement did not constitute an with SMS that required SMS to pay civil
Action: On October 22, 2015, the admission of liability or fault. money penalties in the amount of
Board voted to accept the terms of a Cause: The Board took this action $23,500.
settlement agreement between RANLife, based on the following violations of Cause: The Board took this action
Inc. (‘‘RANLife’’) and the United States HUD/FHA requirements alleged by based on the following violations of
that required RANLife to pay the United HUD: RMC (a) failed to obtain adequate HUD/FHA requirements as alleged by
States $1,032,714.96, of which HUD will documentation to verify the source of HUD: SMS (a) failed to timely submit its
receive $1,001,733.51 paid over two funds or failed to clarify and resolve annual audited financial statement and
years. The settlement did not constitute discrepancies in the documentation supplemental reports; (b) failed to notify
an admission of liability or fault. prior to the loans’ approval for HUD/ HUD of quarterly net operating losses
Cause: The Board took this action FHA insurance for 67 loans; (b) exceeding 20%; and (c) failed to notify
based on RANLife’s alleged violation of accepted and used faxed documents HUD of a sanction imposed by the State
HUD/FHA requirements by its failure to from an undisclosed source without of Oklahoma.
properly underwrite and conduct obtaining a copy of the original
documents or verifying the authenticity 24. TD Bank Group, Falmouth, ME
quality control reviews on HUD/FHA
of the information provided for 24 [Docket No. 15–1668–MR]
insured loans.
loans; (c) submitted false certifications Action: On March 10, 2016, the Board
19. Regions Bank, Hoover, AL [Docket regarding the origination and processing voted to accept the terms of a settlement
No. 16–0068–FC] of seven HUD/FHA insured mortgage agreement with TD Bank Group (‘‘TD
Action: On September 9, 2016, the loans; (d) failed to comply with HUD’s Bank’’) that required TD Bank to pay a
Board voted to release Regions Bank requirements regarding the prohibition civil money penalty in the amount of
(‘‘Regions’’) from any civil money on property flipping, or failed to obtain $221,000 and indemnify HUD for losses
penalties or administrative actions as and submit to HUD a complete second incurred for fourteen HUD/FHA insured
part of a settlement between Regions appraisal for three loans; (e) failed to loans. The settlement did not constitute
asabaliauskas on DSK3SPTVN1PROD with NOTICES
and the United States that required consider the borrower’s liabilities in the an admission of liability or fault.
Regions to pay the United States underwriting analysis and to verify and Cause: The Board took this action
$52,400,000. The settlement did not document whether the borrower met based on the following violations of
constitute an admission of liability or HUD/FHA requirements relating to HUD/FHA requirements as alleged by
fault. income, credit, and cash investment for HUD: TD Bank (a) failed to resolve
Cause: The Board took this action six loans; (f) failed to provide adequate discrepancies regarding the borrower’s
based on Regions’ alleged failure to documentation to ensure the borrowers employment and bank documents with
properly originate, underwrite, and were current for the month due prior to respect to one loan; (b) failed to
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adequately document the income and/or II. Lenders That Failed To Timely Meet 1874–MRT]
stability of borrower income for two Requirements for Annual 29. Community Resource Credit Union,
Recertification of HUD/FHA Approval Baytown, TX ($4,500) [Docket No. 16–
loans; (c) failed to properly document a
1826–MRT]
gift for one loan; (d) failed to properly but Came Into Compliance 30. Community State Bank, Saint Charles, MI
record a Mortgage Insurance Certificate Action: The Board entered into ($3,500) [Docket No. 15–1623–MRT]
for one loan; (e) failed to ensure that settlement agreements with the lenders 31. Congressional Bank, Bethesda, MD
borrowers met credit eligibility listed below, which required the lender ($8,500) [Docket No. 15–1763–MRT]
requirements with respect to four loans; to pay a civil money penalty without 32. Cooperativa de Ahorro y Credito La
Puertorriquena, San Juan, PR ($8,500)
(f) failed to confirm that borrowers in admitting fault or liability. [Docket No. 16–1600–MRT]
refinance transactions had made all Cause: The Board took this action 33. CoVantage Credit Union, Antigo, WI
mortgage payments on loans being based upon allegations that the lenders ($4,500) [Docket No. 16–1664–MRT]
refinanced within the month due for the listed below failed to comply with 34. Crescent Mortgage Company, Atlanta, GA
prior 12 months for 11 loans; (g) failed HUD’s annual recertification ($4,500) [Docket No. 15–1888–MRT]
to document the mortgage loan payoff requirements in a timely manner. 35. Cross River Bank, Teaneck, NJ ($3,500)
[Docket No. 16–1677–MRT]
statements for five loans; and (h) failed 1. 1st Constitution Bank, Cranbury, NJ
36. Directors Financial Group, Newport
to obtain a Certification for Individual ($3,500) [Docket No.15–1935–MRT]
Beach, CA ($4,500) [Docket No. 16–
Unit Financing as required for 2. 1st Reliant Home Loans, Inc., Costa Mesa,
1842–MRT]
CA ($3,500) [Docket No. 15–1811–MRT]
condominium approval. 3. ADK Bancorp, Inc., Westminster, CA
37. DSW Mortgage, Inc., Boulder, CO ($4,500)
[Docket No. 16–1808–MRT]
25. United Shore Financial Services, ($8,500) [Docket No.15–1949–MRT]
4. Anchor Mortgage, LLC, Daniel Island, SC 38. Eagle Mortgage & Funding Inc., Memphis,
LLC., Troy MI [Docket No. 15–1566–MR] ($3,500) [Docket No.16–1607–MRT] TN ($3,500) [Docket No. 15–1725–MRT]
5. Approved Funding Corp., Brooklyn, NY 39. Express Solutions Mortgage Corporation,
Action: On December 17, 2015, the Cabo Rojo, PR ($8,500) [Docket No. 16–
($8,500) [Docket No. 15–1913–MRT]
Board voted to accept the terms of a 6. Arcstone Financial, Inc., Los Angeles, CA 1810–MRT]
settlement agreement with United Shore ($4,500) [Docket No.16–1839–MRT] 40. Fifth Third Bank, Cincinnati, OH ($3,500)
Financial Services, LLC (‘‘USFS’’) that 7. Arcstone Financial, Inc., Los Angeles, CA [Docket No. 16–1648–MRT]
($3,500) [Docket No. 15–1833–MRT] 41. First Bank of the Palm Beaches, West
required USFS (a) to pay a civil money
8. Associated Credit Union of Texas, League Palm Beach, FL ($3,500) [Docket No. 15–
penalty in the amount of $110,500; and 1965–MRT]
(b) refrain from making any claim for City, TX ($4,500) [Docket No. 16–1734–
MRT] 42. First Capital Bank of Kentucky,
insurance benefits and/or indemnify 9. Audubon Savings Bank, Audubon, NJ Louisville, KY ($3,500) [Docket No. 14–
HUD for losses incurred for twenty-four ($3,500) [Docket No. 15–1652–MRT] 1720–MRT]
HUD/FHA insured loans. The 10. Aurora Financial Group, Inc., Marlton, NJ 43. FirstCity Bank of Commerce, Palm Beach
settlement did not constitute an ($4,500) [Docket No.16–1788–MRT] Gardens, FL ($3,500) [Docket No. 15–
11. Bank Vista, Sartell, MN ($3,500) [Docket 1890–MRT]
admission of liability or fault. 44. First Mariner Bank, Baltimore, MD
No. 15–1916–MRT]
Cause: The Board took this action 12. Bay Bank, FSB, Timonium, MD ($4,500) ($3,500) [Docket No. 15–1927]
based on the following violations of [Docket No. 15–1809–MRT] 45. First National Bank, Southlake, TX
HUD/FHA requirements alleged by 13. BCB Community Bank, Bayonne, NJ ($7,500) [Docket No. 15–1769–MRT]
($16,000) [Docket No. 15–1666–MRT] 46. First National Bank, Cortez, Cortez, CO
HUD: USFS (a) failed to adequately
14. BondCorp Realty Services, Inc., Newport ($4,500) [Docket No. 16–1676–MRT]
document the income or stability of 47. First National Bank, USA, Boutte, LA
Beach, CA ($4,250) [Docket No. 15–
income used to qualify borrowers for 1859–MRT] ($3,500) [Docket No. 15–1579–MRT]
nine loans; (b) failed to adequately 15. Boulder Valley Credit Union, Boulder, 48. First NBC Bank, New Orleans, LA
document the source of funds used for CO ($8,500) [Docket No.16–1639–MRT] ($9,468) [Docket No. 16–1844–MRT]
the down payment, closing costs, or 16. Bridgeview Mortgage Corporation, 49. First State Bank, Omaha, NE ($3,500)
payment of debt prior to closing for Franklin Square, NY ($8,500) [Docket [Docket No. 15–1855–MRT]
No. 15–1712–MRT] 50. First Utah Bank, Sandy, UT ($8,500)
eight loans; (c) failed to consider all of [Docket No. 15–1715–MRT]
17. Cache Valley Bank, Logan, UT ($3,500)
the borrowers’ liabilities in the [Docket No. 14–1635–MRT] 51. Forbix Financial, Flowood, MS ($3,500)
underwriting analysis for six loans; (d) 18. Castle Mortgage Corporation, San Diego, [Docket No. 15–1876–MRT]
failed to resolve discrepancies or CA ($4,500) [Docket No. 16–1680–MRT] 52. Freedom of Maryland Federal Credit
irregularities with respect to social 19. CBC Federal Credit Union, Oxnard, CA Union, Bel Air, MD ($4,500) [Docket No.
security numbers and paystubs for one ($3,500) [Docket No. 15–1604–MRT] 16–1738–MRT]
20. CenterBank, Milford, OH ($3,500) [Docket 53. Fremont Bank, Fremont, CA ($3,500)
loan; (e) failed to correctly calculate the [Docket No. 15–1839–MRT]
No. 15–1897–MRT]
maximum mortgage amount for one 21. Central Bank, Tampa, FL ($3,500) [Docket 54. Global Bancorp d/b/a New Rate Lending,
loan; (f) failed to properly check the No. 15–1866–MRT] Irvine, CA ($8,500) [Docket No. 15–1967–
Credit Alert Verification Reporting 22. Central Bank and Trust, Lander, WY MRT]
System (‘‘CAVRS’’) by entering the ($3,500) [Docket No. 15–1590–MRT] 55. Green Bank, N.A., Houston, TX ($4,500)
wrong social security number and 23. Chicago Financial Services, Inc., Chicago, [Docket No. 16–1759–MRT]
IL ($3,500) [Docket No. 15–1955–MRT] 56. Guaranty Bank FSB, Milwaukee, WI
consequently approving one loan; (g)
24. Citizens National Bank of Greater St. ($3,500) [Docket No. 15–1898–MRT]
failed to comply with HUD’s property Louis, Maplewood, MO ($3,500) [Docket 57. Guardian Savings Bank FSB, Cincinnati,
asabaliauskas on DSK3SPTVN1PROD with NOTICES
flipping waiver requirements for one No. 15–1581–MRT] OH ($3,500) [Docket No. 15–1873–MRT]
loan; (h) failed to submit accurate loan 25. Citizens Trust Bank, Atlanta, GA, ($3,500) 58. Gulf Atlantic Funding Group, Inc., Davie,
level data in FHA Connection for six [Docket No. 15–1760–MRT] FL ($8,500) [Docket No. 16–1643–MRT]
loans; and (i) charged borrowers for 26. City Savings Bank & Trust, Deridder, LA, 59. Highmark Federal Credit Union, Rapid
credit reports in amounts that exceeded ($8,500) [Docket No. 15–1761–MRT] City, SD ($4,500) [Docket No. 16–1654–
27. Clark County Credit Union, Las Vegas, MRT]
USFS’s actual costs for ten loans. NV ($3,500) [Docket No. 15–1829–MRT] 60. Home Bank, N.A., Lafayette, LA ($8,500)
28. Community First National Bank, [Docket No. 16–1642–MRT]
Manhattan, KS ($3,500) [Docket No. 15– 61. Home Federal Bank, Shreveport, LA
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![Federal Register / Vol. 82, No. 63 / Tuesday, April 4, 2017 / Notices 16413
($3,500) [Docket No. 15–1640–MRT] 93. SpiritBank, N.A., Tulsa, Ok ($3,500) [Docket No. 17–1734–MRT]
62. Home Savings Bank, Madison, WI [Docket No. 15–1910–MRT] 15. Bank of Union, El Reno, OK [Docket No.
($3,500) [Docket No. 16–1655–MRT] 94. Standard Pacific Mortgage Inc., Irvine, CA 17–1782–MRT]
63. HR Mortgage Corp., Caguas, PR ($8,500) ($4,500) [Docket No. 16–1847–MRT] 16. Bank Tennessee, Germantown, TN
[Docket No. 15–1925- MRT] 95. Sterling United Federal Credit Union, [Docket No. 14–1590–MRT]
64. iBeriaBank, Lafayette, LA ($3,500) Evansville, IN ($3,500) [Docket No. 15– 17. Bankers Financial Group, Inc., Bowie,
[Docket No. 15–1903–MRT] 1954–MRT] MD [Docket No. 17–1766–MRT]
65. Integrity Financial Services of Tampa 96. Supreme Funding Corporation, Arcadia, 18. Bankers Mortgage and Investment Group,
Bay, Inc., Largo, FL ($4,500) [Docket No. CA ($3,500) [Docket No.15–1589–MRT] Inc., Overland Park, KS [Docket No. 15–
16–1674–MRT] 97. Telco Triad Community Credit Union, 1663–MRT]
66. International Bank of Commerce, Laredo, Sioux City, IA ($8,500) [Docket No. 15– 19. Battery Park City Authority, New York,
TX ($3,500) [Docket No. 15–1877–MRT] 1785–MRT] NY [Docket No. 17–1811–MRT]
67. iServe Residential Lending LLC, San 98. Texas Tech Federal Credit Union, 20. Beacon Federal, East Syracuse, NY
Diego, CA ($4,500) [Docket No. 16–1813– Lubbock, TX ($4,500) [Docket No. 15– [Docket No. 17–1791–MRT]
MRT] 1719–MRT] 21. Berkshire Bank, Wyomissing, PA [Docket
68. Legends Bank, Clarksville, TN ($3,500) 99. United Texas Bank, Dallas, TX ($3,500) No. 16–1841–MRT]
[Docket No. 15–1709–MRT] [Docket No. 15–1615–MRT] 22. Biopharmaceutica Coop, Carolina, PR
69. Liberty Mortgage Corporation, 100. University First Federal Credit Union, [Docket No. 15–1641–MRT]
Birmingham, AL ($3,500) [Docket No. Salt Lake City, UT ($3,500) [Docket No. 23. Blanco National Bank, Spring Branch, TX
15–1951–MRT] 15–1923–MRT] [Docket No. 17–1758–MRT]
70. Magnolia Bank, Magnolia, KY ($3,500) 101. U.S. Financial Group, Inc., Lake Charles, 24. BondCorp Realty Services, Inc., Newport
[Docket No. 15–1862–MRT] LA ($3,500) [Docket No. 15–1909–MRT] Beach, CA [Docket No. 17–1829–MRT]
71. Marketplace Home Mortgage, LLC, Edina, 102. Wall Financial, Inc., Los Angeles, CA 25. Boulevard Bank, Neosho, MO [Docket No.
MN ($3,500) [Docket No. 16–1709–MRT] ($3,500) [Docket No.15–1958–MRT] 17–1792–MRT]
72. Massachusetts Mutual Life Insurance 103. West One Capital Group, Inc., Newport 26. Buffalo Trace Area Development District,
Company, Springfield, MA ($3,500) Beach, CA ($3,500) [Docket No. 15– Maysville, KY [Docket No. 17–1812–
[Docket No. 15–1731–MRT] 1850–MRT] MRT]
73. MCT Credit Union, Port Neches, TX 104. West Town Bank & Trust, Frederick, MD 27. C F Funding Corporation, Naperville, IL
($3,500) [Docket No. 15–1749–MRT] ($3,500) [Docket No. 15–1949–MRT] [Docket No. 16–1779–MRT]
74. MK Lending Corp., Los Angeles, CA 105. Willamette Valley Bank, Salem, OR 28. Carnegie Mortgage, LLC, Irvine, CA
($8,500) [Docket No. 16–1656–MRT] ($4,500) [Docket No. 16–1786–MRT] [Docket No. 17–1738–MRT]
75. Mortgage Trust, Inc., Portland, OR 106. Winona National Bank, Winona, MN 29. Cavalier Mortgage Group, Inc., Raleigh,
($3,500) [Docket No. 15–1936–MRT] ($3,500) [Docket No. 15–1796–MRT] NC [Docket No. 15–1804–MRT]
76. Nationwide Mortgage Bankers, Inc., 30. Chicago Bancorp, Inc., Chicago, IL
Lebanon, NJ ($3,500) [Docket No. 15–
III. Lenders That Failed To Meet [Docket No. 16–1848–MRT]
1942–MRT] Requirements for Annual 31. Citizen Home Loans of America, Inc.,
77. Northwest Bank of Rockford, Loves Park, Recertification of HUD/FHA Approval Dayton, OH [Docket No. 17–1813–MRT]
IL ($3,500) [Docket No. 15–1891–MRT] Action: The Board voted to withdraw 32. Citizens National Bank, N.A., Bossier
78. PFL, Inc., San Antonio, TX ($8,500) the FHA approval of each of the lenders City, LA [Docket No. 15–1728–MRT]
[Docket No. 15–1892–MRT] listed below for a period of one (1) year. 33. ClearSpring Loan Services, Inc., Dallas,
79. Pacific Premier Bank, Irvine, CA ($8,500) TX [Docket No. 16–1653–MRT]
Cause: The Board took this action
[Docket No. 15–1738–MRT] 34. CMS Bank, White Plains, NY [Docket No.
80. Pacific Transportation Federal Credit based upon allegations that the lenders 17–1793–MRT]
Union, Carson, CA ($3,500) [Docket No. listed below were not in compliance 35. Cobalt Mortgage, Kirkland, WA [Docket
15–1620–MRT] with HUD’s annual recertification No. 17–1739–MRT]
81. Parks Heritage Federal Credit Union, requirements. 36. Colonial American Bank, Shrewsbury, NJ
Glenn Falls, NY ($3,500) [Docket No. 15– 1. ACNB Bank, Gettysburg, PA [Docket No. [Docket No. 17–1803–MRT]
1586–MRT] 17–173–MRT] 37. Community Bank-Wheaton Glen Ellyn,
82. Phenix-Girard Bank, Phenix City, AL 2. Adams Mortgage, LLC, Colorado Springs, Glen Ellyn, IL [Docket No. 17–1814–
($3,500) [Docket No. 15–1648–MRT] CO [Docket No. 15–1907–MRT] MRT]
83. Platinum Bank, Lubbock, TX ($3,500) 3. Advance Mortgage Bankers, Inc., Bayamon, 38. Corridor Mortgage Company, LLC,
[Docket No. 15–1932–MRT] PR [Docket No. 17–1802–MRT] Bristol, PA [Docket No. 17–1804–MRT]
84. PMAC Lending Services, Inc., Chino 4. Advantage Financial Mortgage Bankers, 39. Covenant Bank, Leeds, AL [Docket No.
Hills, CA ($3,500) [Docket No. 15–1751– Inc., Robbinsville, NJ [Docket No. 15– 17–1740–MRT]
MRT] 1802–MRT] 40. Day Air Credit Union, Kettering, OH
85. Ready Mortgage Lenders LLC, Miami, FL 5. Agree Capital Corporation, Fresh [Docket No. 15–1611–MRT]
($3,500) [Docket No. 15–1849–MRT] Meadows, NY [Docket No. 17–1809– 41. Dexter Credit Union, Central Falls, RI
86. Ross Mortgage Company, Inc., MRT] [Docket No. 16–1744–MRT]
Westborough, MA ($3,500) [Docket No. 6. AIG Federal Savings Bank, Wilmington, 42. Doral Bank, San Juan, PR [Docket No. 17–
16–1640–MRT] DE [Docket No. 17–1765–MRT] 1741–MRT]
87. Scient Federal Credit Union, Groton, CT 7. Air Force Federal Credit Union, San 43. Doral Financial Corporation, San Juan, PR
($3,500) [Docket No.15–1906–MRT] Antonio, TX [Docket No. 17–1789–MRT] [Docket No. 17–1742–MRT]
88. Seattle Metropolitan Credit Union, 8. AllQuest Home Mortgage Corporation, 44. Evergreen Credit Union, Portland, ME
Seattle, WA ($3,500) [Docket No. 15– Houston, TX [Docket No. 15–1792–MRT] [Docket No. 17–1794–MRT]
1918–MRT] 9. Amera Mortgage Corporation, Milford, MI 45. Farmers Bank & Trust Company,
89. Seckel Capital LLC, Newtown, PA [Docket No. 17–1756–MRT] Blytheville, AR [Docket No. 15–1917–
($3,500) [Docket No.15–1583–MRT] 10. American Investors Bank & Mortgage, MRT]
asabaliauskas on DSK3SPTVN1PROD with NOTICES
90. SecurityPlus Federal Credit Union, Eden Prairie, MN [Docket No. 17–1810– 46. Farmers Citizens Bank, Dublin, OH
Baltimore, MD ($10,000) [Docket No. 15– MRT] [Docket No. 17–1767–MRT]
1781–MRT] 11. Americas Mortgage LLC, Wheat Ridge, 47. Farmington Financial Group LLC,
91. Southeast Funding Alliance, Inc., CO [Docket No. 17–1757–MRT] Nashville, TN [Docket No. 17–1759–
Orlando, FL ($8,500) [Docket No. 15– 12. Anchor Funding Corporation, Norcross, MRT]
1934–MRT] GA [Docket No. 17–1790–MRT] 48. FedTrust Mortgage LLC, Farmington
92. Southern Crescent Mortgage and 13. Bank of Commerce, Yukon, OK [Docket Hills, MI [Docket No. 17–1795–MRT]
Investment Corporation, Fayetteville, GA No. 16–1783–MRT] 49. FirstBank, Strasburg, VA [Docket No. 17–
($3,500) [Docket No.16–1619–MRT] 14. Bank of Manhattan, NA, El Segundo, CA 1815–MRT]
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![16414 Federal Register / Vol. 82, No. 63 / Tuesday, April 4, 2017 / Notices
50. First Capital Mortgage Group, Inc., 85. Lending Solutions, Inc., Duluth, GA MRT]
Pittsburgh, PA [Docket No. 17–1768– [Docket No. 16–1767–MRT] 119. Reverse Mortgage USA, Inc., Dallas TX
MRT] 86. LGE Community Credit Union, Marietta, [Docket No. 17–1762–MRT]
51. First Century Bank, N.A., Gainesville, GA GA [Docket No. 16–1678–MRT] 120. Roundpoint Mortgage Company,
[Docket No. 16–1878–MRT] 87. Liberty Bank of Arkansas, Jonesboro, AR Charlotte, NC [Docket No. 17–1745–
52. First Choice Bank, Cerritos, CA [Docket [Docket No. 17–1776–MRT] MRT]
No. 15–1843–MRT] 88. Loan One Mortgage Co., Inc., Westerville, 121. S Bank, Glennville, GA [Docket No. 15–
53. First Commercial Bank, Oklahoma City, OH [Docket No. 16–1629–MRT] 1661–MRT]
OK [Docket No. 15–1572–MRT] 89. Main Street Financial, Inc., Indianapolis, 122. Sanford Institution for Savings, Sanford,
54. First Financial Services, Charlotte, NC IN [Docket No. 17–1819–MRT]
ME [Docket No. 17–1799–MRT]
[Docket No. 17–1751–MRT] 90. Medallion Mortgage Company LLC,
Agoura Hills, CA [Docket No. 17–177– 123. Schaeffer Mortgage Corporation,
55. First Florida Credit Union, Jacksonville,
FL [Docket No. 17–1816–MRT] MRT] Londonderry, NH [Docket No. 17–1825–
56. First National Bank, Camdenton, MO 91. Menna Company, Marietta, GA [Docket MRT]
[Docket No. 17–1783–MRT] No. 16–1726–MRT] 124. Seasons Federal Credit Union,
57. First Savings Bank of Perkasie, Perkasie, 92. Meridian Lending Corporation, Lone Middletown, CT [Docket No. 15–1883–
PA [Docket No. 17–1750–MRT] Tree, CO [Docket No. 17–1761–MRT] MRT]
58. First Southern Capital Development 93. Metropolitan National Bank, Springfield, 125. Sherburne State Bank, Saint Cloud, MN
Corporation, Rancho Palos Verdes, CA MO [Docket No. 17–1820–MRT] [Docket No. 17–1779–MRT]
[Docket No. 17–1755–MRT] 94. Midwest Mortgage Capital, LLC, Saint 126. Sidus Financial, LLC, Greensboro, NC
59. First State Bank Mortgage Company, LLC, Louis, MO [Docket No. 15–1803–MRT] [Docket No. 16–1811–MRT]
Clinton Township, MI [Docket No. 17– 95. Minneapolis Community Development 127. Solera National Bank, Colorado Springs,
1743–MRT] Agency, Minneapolis, MN [Docket No. CO [Docket No. 17–1808–MRT]
60. Flatbush Federal Savings, Brooklyn, NY 17–1821–MRT] 128. Southern Bank, Poplar Bluff, MO
[Docket No. 17–1760–MRT] 96. Monument Bank, Rockville, MD [Docket [Docket No. 17–1826–MRT]
61. Florida Bank of Commerce, Orlando, FL No. 17–1735–MRT] 129. Southern Puget Sound Inter Tribal
[Docket No. 15–1797–MRT] 97. Mortgage Factory, Inc., Houston, TX Housing Authority, Shelton, WA [Docket
62. Foundation First Bank, Omaha, NE [Docket No. 15–1944–MRT] No. 17–1827–MRT]
[Docket No. 15–1742–MRT] 98. Mortgage House, San Juan, PR [Docket 130. Summit Bank, Little Rock, AR [Docket
63. Frontier State Bank, Oklahoma City, OK No. 16–1646–MRT] No. 15–1807–MRT]
[Docket No. 16–1787–MRT] 99. Mortgage Investors Corporation, Saint 131. Texas Bay Area Credit Union, Houston,
64. Gateway Bank, F.S.B., Oakland, CA Petersburg, FL [Docket No. 16–1747– TX [Docket No. 17–1749–MRT]
[Docket No. 15–1658–MRT] MRT] 132. The First National Bank Layton, Layton,
65. Gencor Mortgage, Inc., Scottsdale, AZ 100. Mortgage Resources, Inc., Chesterfield,
UT [Docket No. 17–1754–MRT]
[Docket No. 17–1769–MRT] MO [Docket No. 17–1778–MRT]
133. The Harbor Bank of Maryland,
66. Global Advisory Group, Inc., Everett, WA 101. MVB Bank, Inc., Bridgeport, WV [Docket
Baltimore, MD [Docket No. 15–1714–
[Docket No. 17–1770–MRT] No. 17–1744–MRT]
67. Grand Bank, N.A., Hamilton, NJ [Docket 102. Naugatuck Valley Savings and Loan, MRT]
No. 15–1729–MRT] Naugatuck, CT [Docket No. 16–1755– 134. Trust One Mortgage Corporation, Irvine,
68. Guaranteed Home Mortgage Company, MRT] CA [Docket No. 17–1748–MRT]
Inc., White Plains, NY [Docket No. 17– 103. NE Moves Mortgage, LLC, Waltham, MA 135. TXL Mortgage Corporation, Houston, TX
1771–MRT] [Docket No. 17–1822–MRT] [Docket No. 17–1746–MRT]
69. Hana Financial, Inc., Los Angeles, CA 104. Nebraska Investment Finance Authority, 136. United Bank, West Springfield, MA,
[Docket No. 17–1817–MRT] Lincoln, NE [Docket No. 17–1823–MRT] [Docket No. 15–1788–MRT]
70. Harbor National Bank, Mt. Pleasant, SC 105. North Jersey Federal Credit Union, 137. Union Federal Savings Bank, North
[Docket No. 17–1752–MRT] Totowa, NJ [Docket No. 17–1736–MRT] Providence, RI [Docket No. 17–1800–
71. Harvard Home Mortgage, Inc., Annapolis, 106. Northwest Georgia Bank, Ringgold, GA MRT]
MD [Docket No. 17–1772–MRT] [Docket No. 15–1878–MRT] 138. Valley Bank, Davenport, IA [Docket No.
72. Heritage Bank, Jonesboro, AR [Docket No. 107. NYMEO Federal Credit Union, 17–1780–MRT]
17–1773–MRT] Frederick, MD [Docket No. 15–1795– 139. Valley National Bank, Tulsa, OK [Docket
73. Hickory Point Bank and Trust, F.S.B., MRT] No. 15–1746–MRT]
Decatur, IL [Docket No. 15–1929–MRT] 108. Oasis Bank, SSB, Houston, TX [Docket 140. Virginia Heritage Bank, Vienna, VA
74. Home Federal Bank, Nampa, ID [Docket No. 17–1785–MRT] [Docket No. 15–1919–MRT]
No. 15–1640–MRT] 109. One Mortgage, Inc., Irving, TX [Docket 141. Vist Bank, Reading, PA [Docket No. 17–
75. Home Loan Center, Inc., Irvine, CA No. 17–1786–MRT] 1781–MRT]
[Docket No. 17–1784–MRT] 110. Palmetto South Mortgage Corporation, 142. Visterra Credit Union, Moreno Valley,
76. Homeowners Mortgage of America, Inc., Columbia, SC [Docket No. 17–1787– CA [Docket No. 16–1822–MRT]
Jacksonville, FL [Docket No. 17–1774– MRT] 143. Washington First Bank, Reston, VA
MRT] 111. Patriot Bank Mortgage, Inc., Houston, [Docket No. 16–1795–MRT]
77. Housing Authority of the Osage Tribe, TX [Docket No. 17–1806–MRT] 144. WCS Funding Group, Inc., Baltimore,
Hominy, OK [Docket No. 17–1818–MRT] 112. Raaven Capital, Inc., Olympia, WA MD [Docket No. 15–1915–MRT]
78. Hudson City Savings Bank, Paramus, NJ [Docket No. 17–1807–MRT] 145. Western Heritage Bank, N.A., Las
[Docket No. 17–1805–MRT] 113. RBS Mortgage Corporation, San Juan, PR Cruces, NM [Docket No. 17–1801–MRT]
79. Infinity Federal Credit Union, Westbrook, [Docket No. 17–1797–MRT]
146. Wingspan Portfolio Advisors, LLC,
ME [Docket No. 17–1747–MRT] 114. Red Stone Agency Lending, LLC, New
Dallas, TX [Docket No. 17–1763–MRT]
80. Integrated Financial Group, Inc., York, NY [Docket No. 17–1798–MRT]
147. Your Community Bank, New Albany, IN
Newtown PA [Docket No. 17–1775–MRT] 115. Reliant Mortgage Company, LLC,
asabaliauskas on DSK3SPTVN1PROD with NOTICES
[Docket No. 17–828–MRT]
81. Kenilworth Financial, Oakbrook, Terrace, Beverly MA [Docket No. 15–1751–MRT]
IL [Docket No. 17–1764–MRT] 116. Renew Financial Corporation II, Dated: March 30, 2017.
82. Lafayette Federal Credit Union, Allentown, PA [Docket No. 17–1824– Genger Charles,
Kensington, MD [Docket No. 16–1853– MRT]
General Deputy Assistant Secretary, for
MRT] 117. Resource Mortgage Banking LTD,
Housing/FHA Commissioner, Chairman,
83. Lake Federal Bank, FSB, Hammond, IN Tarrytown, NY [Docket No. 17–1788–
Mortgagee Review Board.
[Docket No. 16–1694–MRT] MRT]
84. Landmark Credit Union, New Berlin, WI 118. Resurgent Capital Services, LP, [FR Doc. 2017–06642 Filed 4–3–17; 8:45 am]
[Docket No. 17–1796–MRT] Greenville, SC [Docket No. 17–1753– BILLING CODE 4210–67–P
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Document Created: 2017-04-03 23:53:13
Document Modified: 2017-04-03 23:53:13
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Notices | |
| Action | Notice. | |
| 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 (this is not a toll-free number). Persons with hearing or speech impairments may access this number through TTY by calling the toll-free Federal Information Service at (800) 877-8339. | |
| FR Citation | 82 FR 16408 |
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