83 FR 18072 - Mortgagee Review Board: Administrative Actions

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

Federal Register Volume 83, Issue 80 (April 25, 2018)

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.

[Federal Register Volume 83, Number 80 (Wednesday, April 25, 2018)]
[Notices]
[Pages 18072-18075]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2018-08669]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-6097-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.

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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. Sec.  1708(c)(5)) requires that HUD ``publish a 
description of and the cause 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, 2016 to September 30, 2017.

I. Civil Money Penalties, Withdrawals of FHA Approval, Suspensions, 
Probations, and Reprimands

1. Alliance Financial Resources, LLC., Phoenix, AZ [Docket No. 16-1861-
MR]

    Action: On June 27, 2017, the Board voted to accept the terms of a 
settlement agreement with Alliance Financial Resources, LLC. 
(``Alliance'') that required Alliance to pay a civil money penalty in 
the amount of $13,000. 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: Alliance (a) failed to timely 
notify HUD/FHA that Alliance entered into a Consent Order with the 
State of Oklahoma Department of Consumer Credit which required Alliance 
to pay a penalty; and (b) falsely certified on its annual certification 
that it had not been sanctioned by a state agency, notwithstanding the 
Consent Order with the Oklahoma Department of Consumer Credit.

2. Citizens Bank, N.A., Warwick, RI [Docket No. 16-1771-MR]

    Action: On December 15, 2016, the Board voted to accept the terms 
of a settlement agreement with Citizens Bank, N.A. (``Citizens'') that 
required Citizens to pay a civil money penalty in the amount of 
$25,500. 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: Citizens (a) failed to timely 
notify HUD/FHA that Citizens entered into a Consent Order with the 
Consumer Financial Protection Bureau which required Citizens to pay a 
penalty; (b) failed to timely notify HUD/FHA that Citizens had been 
assessed a civil money penalty by the Office of the Comptroller of 
Currency; and (c) failed to notify HUD/FHA that Citizens was assessed 
another civil money penalty by the Office of the Comptroller of 
Currency.

3. CMG Mortgage, Inc., San Ramon, CA [Docket No. 16-1770-MR]

    Action: On December 15, 2016, the Board voted to accept a 
settlement agreement with CMG Mortgage, Inc. (``CMG'') that required 
CMG to pay a civil money penalty in the amount of $8,500. The 
settlement did not constitute an admission of liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: CMG failed to timely notify 
HUD/FHA that it entered into a Settlement Agreement with the State of 
New York Department of Financial Services under which it paid a fine.

4. Financial Freedom, a Division of CIT Bank N.A., Irvine, CA [Docket 
No.17-0036-FC]

    Action: On January 9, 2017, the Board voted to accept a settlement 
agreement with Financial Freedom; pursuant to the settlement agreement, 
Financial Freedom was required to pay the United States $89,274,944 
without admitting liability.
    Cause: The Board took this action because Financial Freedom 
allegedly failed to self-curtail debenture interest on mortgage 
insurance claims it had submitted to HUD relating to HECM loans.

5. Great Western Financial Services, Inc., Plano, TX [Docket No. 16-
1781-MR]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with Great Western Financial Services (``Great Western'') 
that required Great Western to pay a civil money penalty in the amount 
of $52,468. 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: Great Western (a) failed to 
timely notify HUD/FHA that it was assessed a fine by the State of 
Illinois Department of Financial and Professional Regulation Division 
of Banking; (b) failed to timely notify HUD/FHA that it was issued a 
Consent Order by the State of Oklahoma Department of Consumer Credit 
requiring Great Western to pay a civil money penalty; (c) failed to 
timely notify HUD/FHA that it was issued a Consent Order by the State 
of Connecticut Department of Banking requiring Great Western to pay a 
civil money penalty; (d) failed to timely notify HUD/FHA that it was 
issued a Consent Order by the State of Texas Department of Savings and 
Mortgage

[[Page 18073]]

Lending requiring Great Western to pay a civil money penalty; (e) 
falsely certified to HUD/FHA that it had not been sanctioned by any 
state agency in 2014; (f) falsely certified to HUD/FHA that it had not 
been sanctioned by any state agency in 2015; and (g) falsely certified 
to HUD/FHA that it had not been sanctioned by any state agency in 2016.

6. James B. Nutter and Company, Kansas City, MO [Docket No. 16-1773-MR]

    Action: On October 20, 2016, the Board voted to accept a settlement 
agreement with James B. Nutter and Company (``Nutter and Company'') 
that required Nutter and Company to pay a civil money penalty in the 
amount of $3,500. The settlement did not constitute an admission of 
liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Nutter and Company failed to 
timely notify HUD/FHA that it had entered into a settlement agreement 
with the State of New York Department of Financial Services under which 
it paid a fine.

7. Magna Bank, Memphis, TN [Docket No. 14-1712-MR]

    Action: On December 15, 2016, the Board voted to accept a 
settlement agreement with Magna Bank that required Magna Bank (a) to 
pay a civil money penalty in the amount of $84,000; and (b) indemnify 
HUD/FHA for losses incurred in the amount of $45,499.60 on one loan. 
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: Magna Bank (a) failed to 
provide Servicemember Civil Relief Act notices to defaulted borrowers; 
(b) failed to maintain copies of inspection reports; (c) failed to 
offer loss mitigation in accordance with HUD requirements; (d) failed 
to send loss mitigation information to the mortgagor's counsel in 
bankruptcy cases; (e) failed to perform and/or document a pre-
foreclosure management review; (f) improperly charged property 
inspection fees; (g) created a permanent loan modification with monthly 
payments that exceeded the trial modification amounts; (h) failed to 
perform property inspections after being unable to contact the 
borrower; (i) sent cover letters that did not meet HUD's requirements; 
(j) failed to provide accurate reports to HUD's Single Family Default 
Monitoring System (``SFDMS''); (k) failed to reconcile its portfolio 
with respect to SFDMS reporting; (l) failed to meet SFDMS reporting 
deadlines; and (m) failed to establish and implement a quality control 
plan with all required elements.

8. MLD Mortgage, Inc. d/b/a The Money Store, Florham Park, NJ [Docket 
No. 16-1660-MR]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with MLD Mortgage, Inc. d/b/a The Money Store (``MLD 
Mortgage''); pursuant to the settlement agreement, MLD Mortgage was 
required to (a) pay a civil money penalty in the amount of $34,968, and 
(b) refrain from making any claim for insurance benefits to HUD/FHA 
and/or indemnify HUD/FHA for HUD's losses on three 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: MLD Mortgage (a) failed to 
notify HUD/FHA that it entered into a consent order with the State of 
Washington Department of Financial Institutions under which it paid a 
fine; and (b) failed to properly underwrite HUD/FHA insured loans.

9. NFM, Inc., Linthicum, MD [Docket No. 16-1683-MRT]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with NFM, Inc. (``NFM''); pursuant to the settlement 
agreement, NFM paid a civil money penalty in the amount of $6,000. The 
settlement did not constitute an admission of liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: NFM failed to timely notify 
HUD/FHA that NFM entered into a settlement agreement with the State of 
New York Department of Financial Services under which it paid a fine.

10. OceanFirst Bank, Toms River, NJ [Docket No. 16-1756-MR]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with OceanFirst Bank (``OceanFirst'') that required 
OceanFirst to pay a civil money penalty in the amount of $4,500. The 
settlement did not constitute an admission of liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: OceanFirst failed to notify 
HUD/FHA that OceanFirst had merged with another entity.

11. PHH Home Loans, LLC., Mount Laurel, NJ [Docket No. 16-1865-MR]

    Action: On June 27, 2017, the Board voted to release PHH Home 
Loans, LLC. (``PHH'') from any civil money penalties or administrative 
actions as part of a settlement between PHH and the United States that 
required PHH to pay the United States $65,000,000.
    Cause: The Board took this action based on PHH's alleged failure to 
properly originate, underwrite, and conduct quality control reviews for 
HUD/FHA insured loans in violation of HUD/FHA requirements.

12. Polonia Bank, Huntingdon Valley, PA [Docket No. 16-1622-MR]

    Action: On December 15, 2016, the Board voted to accept a 
settlement agreement with Polonia Bank (``Polonia'') that required 
Polonia to (a) pay a civil money penalty in the amount of $346,000; and 
(b) indemnify HUD/FHA for HUD's losses on thirty-one 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: Polonia (a) failed to properly 
process and document closeouts for three 203(k) mortgages; (b) failed 
to ensure that it properly calculated the maximum mortgage amount on 
one loan; (c) failed to adequately document the stability of borrowers' 
income on five loans; (d) failed to properly document compliance with 
Federal debt requirements on one loan; (e) failed to adequately verify 
or document borrowers' earnest money deposit, source of funds to close, 
or the source of funds to pay consumer debt on thirteen loans; (f) 
failed to ensure the integrity of AUS data by using a credit report 
older than 120 days; (g) failed to timely notify HUD/FHA that it 
entered into a formal written agreement with the Comptroller of 
Currency; (h) failed to properly document the source and adequacy of 
funds used for down payments and for closing costs on sixteen loans; 
(i) falsely certified to HUD/FHA that it had not been the subject of 
unresolved findings by any state agency in 2014; and (j) failed to 
timely submit acceptable audited financial statements for fiscal year 
2015.

13. Prudential Huntoon Paige Associates, LTD. Dallas, TX [Docket No. 
16-1665-MR]

    Action: On October 20, 2016, the Board voted to accept a settlement 
agreement with Prudential Huntoon Paige Associates, LLC. 
(``Prudential'') that required Prudential to make a

[[Page 18074]]

payment in the amount of $4,000,000. The settlement did not constitute 
an admission of liability or fault.
    Cause: The Board took this action based on Prudential's alleged 
failure to properly process and underwrite four multi-family HUD/FHA 
insured projects in violation of HUD/FHA requirements.

14. Reverse Mortgage Solutions, Inc., Houston, TX [Docket No. 16-1685-
MRT]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with Reverse Mortgage Solutions, Inc. (``Reverse Mortgage'') 
that required Reverse Mortgage to pay a civil money penalty in the 
amount of $4,500. The settlement did not constitute an admission of 
liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Reverse Mortgage failed to 
timely notify HUD/FHA that Reverse Mortgage entered into a settlement 
agreement with the State of New York Department of Financial Services 
under which it paid a fine.

15. RMK Financial Corporation, Ontario, CA [Docket No. 16-1866-MR]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with RMK Financial Corporation (``RMK'') that required RMK to 
pay a civil money penalty in the amount of $26,968. 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: RMK (a) failed to timely notify 
HUD/FHA that RMK was issued a consent order by the Consumer Financial 
Protection Bureau under which it paid a civil money penalty; (b) failed 
to timely notify HUD/FHA that RMK entered into settlement agreement 
with the State of Ohio Department of Commerce Division of Financial 
Institutions under which it paid a fine; (c) falsely certified that RMK 
had not been sanctioned by any federal or state agency in 2015; and (d) 
failed to timely notify HUD/FHA that RMK was issued a consent order by 
the State of Kentucky Department of Financial Institutions under which 
it paid a civil money penalty.

16. Seckel Capital, LLC., Newtown, PA [Docket No. 17-1857-MR]

    Action: On June 27, 2017, the Board voted to immediately suspend 
Seckel Capital, LLC.
    Cause: The Board took this action based on the following violations 
of HUD/FHA requirements alleged by HUD: Seckel Capital, LLC submitted 
fraudulent financial statements for fiscal year 2012 through fiscal 
year 2015 and falsely certified for fiscal year 2012 through fiscal 
year 2015 that it was in compliance with HUD requirements.

17. SiWell, Inc., Lubbock, TX [Docket No. 16-1658-MR]

    Action: On June 27, 2017, the Board voted to accept a settlement 
agreement with SiWell, Inc. that required SiWell, Inc. pay a civil 
money penalty in the amount of $193,025. 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: SiWell, Inc. (a) failed to 
timely remit periodic Monthly Mortgage Insurance Premiums to HUD/FHA 
for 732 loans; and (b) failed to timely remit Upfront Mortgage 
Insurance Premiums on fifteen loans.

18. Stearns Lending, LLC., Santa Ana, CA [Docket No. 16-1687-MRT]

    Action: On October 20, 2016, the Board voted to accept a settlement 
agreement with Stearns Lending, LLC. (``Stearns'') that required 
Stearns pay a civil money penalty in the amount of $4,500. The 
settlement did not constitute an admission of liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: Stearns failed to timely notify 
HUD/FHA that Stearns entered into a settlement agreement with the State 
of Arizona Department of Financial Institutions under which it paid a 
civil money penalty.

19. SunTrust Mortgage, Inc., Richmond, VA [Docket No. 16-1688-MRT]

    Action: On December 15, 2016, the Board voted to accept a 
settlement agreement with SunTrust Mortgage, Inc. (``SunTrust'') that 
required SunTrust pay a civil money penalty in the amount of $8,500. 
The settlement did not constitute an admission of liability or fault.
    Cause: The Board took this action based on the following violation 
of HUD/FHA requirements alleged by HUD: SunTrust failed to timely 
notify HUD/FHA that it entered into a settlement agreement with the 
State of New York Department of Financial Services under which it paid 
a fine.

20. United Shore Financial Services, LLC., Troy, MI [Docket No. 17-
0009-FC]

    Action: On December 21, 2016, the Board voted to release United 
Shore Financial Services, LLC. (``United Shore'') from any civil money 
penalties or administrative actions as part of a settlement between 
United Shore and the United States that required United Shore to pay 
the United States $48,000,000 plus interest.
    Cause: The Board took this action based on United Shore's alleged 
failure to properly originate, underwrite, and conduct quality control 
reviews for HUD/FHA insured loans in violation of HUD/FHA requirements.

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. Aberdeen Federal Credit Union, Aberdeen, SD ($4,500) [Docket No. 16-
1757-MRT]
2. Academy Mortgage Corporation, Draper, UT ($3,500) [Docket No. 16-
1768-MRT]
3. All in One Mortgage Lenders, Miami, FL ($8,500) [Docket No. 16-1809-
MRT]
4. Austin Bank of Chicago dba ABC Bank, Chicago, IL ($4,500) [Docket 
No. 16-1712-MRT]
5. Bank 7, Nichols Hills, OK ($4,500) [Docket No. 16-1785-MRT]
6. Bridgewater Savings Bank, Bridgewater, MA ($4,500) [Docket No. 17-
1836-MRT]
7. Celtic Bank, Salt Lake City, UT ($4,500) [Docket No. 16-1711-MRT]
8. CFBank, Fairlawn, OH ($8,500) [Docket No. 16-1780-MRT]
9. Champion Bank, Parker, CO ($9,468) [Docket No. 17-1865-MRT]
10. City of Oakland, Oakland, CA ($8,500) [Docket No. 17-1724-MRT]
11. Clark County Credit Union, Las Vegas, NV ($4,500) [Docket No. 17-
1853-MRT]
12. CoastHills Credit Union, Lompoc, CA ($4,500) [Docket No. 16-1696-
MRT]
13. Commerce State Bank, West Bend, WI ($4,500) [Docket No. 16-1713-
MRT]
14. Cooperativa de Ahorro Y Credit de Aguas, Aguas Buenas, PR ($4,500) 
[Docket No. 16-1717-MRT]
15. Coral Mortgage Bankers Corp., Hackensack, NJ ($8,500) [Docket No. 
16-1723-MRT]
16. Craft3, Ilwaco, WA ($4,500) [Docket No. 16-1691-MRT]

[[Page 18075]]

17. Diversified Members Credit Union, Detroit, MI ($4,500) [Docket No. 
17-1895-MRT]
18. Eagle Bank and Trust Company, Hillsboro, MO ($4,500) [Docket No. 
16-1791-MRT]
19. Eagle Mortgage & Funding, Inc., Memphis, TN ($8,500) [Docket No. 
16-1790-MRT]
20. East West Bank. Pasadena, CA ($4,500) [Docket No. 16-1746-MRT]
21. Fidelity Direct Mortgage, LLC., Gaithersburg, MD ($4,500) [Docket 
No. 17-1725-MRT]
22. First National Bank of Granbury, Granbury, TX ($4,500) [Docket No. 
17-1871-MRT]
23. First National Bank of Pasco, Dade City, FL ($4,500) [Docket No. 
17-1881-MRT]
24. First State Bank, Barboursville, WV ($4,500) [Docket No.16-1833-
MRT]
25. Fulton Savings Bank, Fulton, NY ($4,500) [Docket No. 16-1735-MRT]
26. Gladewater National Bank, Gladewater, TX ($4,500) [Docket No. 16-
1789-MRT]
27. Great Western Financial Services, Plano, TX ($4,500) [Docket No.16-
1781-MRT]
28. Herring Bank, Amarillo, TX ($4,500) [Docket No 17-1876-MRT]
29. Home Bank and Trust, Wichita, KS ($4,500) [Docket No. 17-1885-MRT]
30. Hometown Bank of the Hudson Valley, Walden, NY ($4,500) [Docket No. 
78716]
31. Idaho First Bank, Boise, ID ($4,500) [Docket No. 16-1792-MRT]
32. Industrial Bank N.A., Washington, DC ($4,500) [Docket No. 16-1784-
MRT]
33. Intercap Lending Inc., Albuquerque, NM ($4,500) [Docket No. 16-
1749-MRT]
34. Ixonia Bank, Ixonia, WI ($4,500) [Docket No. 16-1806-MRT]
35. Krkabob, Inc., d/b/a Argus Lending, Pleasant Hill, CA ($4,500) 
[Docket No. 16-1728-MRT]
36. Landings Credit Union, Tempe, AZ ($4,500) [Docket No. 17-1841-MRT]
37. Mazuma Credit Union, Overland Park, KS ($4,500) [Docket No. 16-
1801-MRT]
38. New Windsor State Bank, New Windsor, MD ($4,500) [Docket No. 16-
1800-MRT]
39. One Bank and Trust, N.A., Little Rock, AR ($4,500) [Docket No. 16-
1793-MRT]
40. Premier Members Credit Union, Boulder, CO ($8,500) [Docket No. 17-
1731-MRT]
41. Prime Source Mortgage, Inc., Murrieta, CA ($4,500) [Docket No. 16-
1858-MRT]
42. Private Bank of Buckhead, Atlanta, GA ($4,500) [Docket No. 16-1740-
MRT]
43. Republic Mortgage Commercial, Salt Lake City, UT ($4,500) [Docket 
No. 16-1754-MRT]
44. Signal Financial Federal Credit Union, Kensington, MD ($4,500) 
[Docket No. 16-1748-MRT]
45. Sindeo, Inc., San Francisco, CA ($8,500) [Docket No. 16-1695-MRT]
46. SN Servicing Corporation, Baton Rouge, LA ($4,500) [Docket No. 16-
1803-MRT]
47. Somerville National Bank, Somerville, OH ($4,500) [Docket No. 16-
1776-MRT]
48. TRM, LLC., San Juan, PR ($8,500) [Docket No. 16-1743-MRT]
49. U.S. Bank Trust National Association, New York, NY ($4,500) [Docket 
No. 16-1761-MRT]
50. United Heritage Credit Union, Austin, TX ($4,500) [Docket No. 16-
1725-MRT]
51. Wendover Financial Service Corporation, Greensboro, NC ($8,500) 
[Docket No. 16-1731-MRT]
52. Wolverine Bank, FSB, Midland, MI ($4,500) [Docket No. 16-1752-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. AAA Concordia Mortgage Corp., San Juan, PR [Docket No.18-1839-MRT]
2. Banco Popular North America, New York, NY [Docket No. 18-1840-MRT]
3. Bristol County Savings Bank, Taunton, MA [Docket No. 16-1874-MRT]
4. Canon National Bank of Canon City, Canon City, CO [Docket No. 18-
1841-MRT]
5. Citywide Bank, Denver, CO [Docket No. 16-1741-MRT]
6. Community 1st Federal Credit Union, Miles City, MT [Docket No. 16-
1760-MRT]
7. Cooperativa De Ahorro Y Credito Hermanos, Hato Rey, PR [Docket No. 
17-1722-MRT]
8. Covenant Bank, Clarksdale, MS [Docket No. 16-1797-MRT]
9. Eastland Financial Corp, Irvine, CA [Docket No. 18-1842-MRT]
10. Ecom Mortgage Inc., Covina, CA [Docket No. 18-1843-MRT]
11. First Community Bank, Austin, TX [Docket No. 18-1844-MRT]
12. First National Bank, Massillon, OH [Docket No. 18-1845-MRT]
13. Hendricks County Bank and Trust Company, Brownsburg, IN [Docket No. 
16-1715-MRT]
14. Kentucky Federal Savings & Loan Association, Covington, KY [Docket 
No. 16-1707-MRT]
15. Michigan Community Credit Union, Jackson, MI [Docket No. 18-1846-
MRT]
16. Municipal Housing Authority, Yonkers, NY [Docket No. 17-1732-MRT]
17. Oak Mortgage Group Inc., Dallas, TX [Docket No. 18-1847-MRT]
18. Oneida Savings Bank, Oneida, NY [Docket No. 16-1804-MRT]
19. Proficio Mortgage Ventures, LLC., Henderson, NV [Docket No. 16-
1794-MRT]
20. Royal Bank of Missouri, St. Louis, MO [Docket No.18-1805-MRT]
21. Southeast Funding Alliance, Orlando, FL [Docket No. 15-1934-MRT]
22. Vanguard Funding, LLC., Garden City, NY [Docket No. 18-1848-MRT]
23. Vision Bank, N.A., Ada, OK [Docket No. 16-1750-MRT]

    Dated: April 10, 2018.
Dana T. Wade,
General Deputy Assistant Secretary for Housing/FHA Commissioner, 
Chairman, Mortgagee Review Board.
[FR Doc. 2018-08669 Filed 4-24-18; 8:45 am]
 BILLING CODE 4210-67-P