23218 Federal Register / Vol. 87, No. 75 / Tuesday, April 19, 2022 / Notices 

supersede or in any way limit 

applicable employment verification 

rules and policy guidance, including 

those rules setting forth reverification 

requirements. For general questions 

about the employment eligibility 

verification process, employers may call 

USCIS at 888–464–4218 (TTY 877–875– 

6028) or email USCIS at I-9Central@

uscis.dhs.gov. USCIS accepts calls and 

emails in English and many other 

languages. For questions about avoiding 

discrimination during the employment 

eligibility verification process (Form I– 

9 and E-Verify), employers may call the 

U.S. Department of Justice, Civil Rights 

Division, Immigrant and Employee 

Rights Section (IER) Employer Hotline 

at 800–255–8155 (TTY 800–237–2515). 

IER offers language interpretation in 

numerous languages. Employers may 

also email IER at IER@usdoj.gov. 

Note to Employees 

For general questions about the 

employment eligibility verification 

process, employees may call USCIS at 

888–897–7781 (TTY 877–875–6028) or 

email USCIS at I-9Central@

uscis.dhs.gov. USCIS accepts calls in 

English, Spanish and many other 

languages. Employees or job applicants 

may also call the IER Worker Hotline at 

800–255–7688 (TTY 800–237–2515) for 

information regarding employment 

discrimination based on citizenship, 

immigration status, or national origin, 

including discrimination related to 

Form I–9 and E-Verify. The IER Worker 

Hotline provides language interpretation 

in numerous languages. 

To comply with the law, employers 

must accept any document or 

combination of documents from the 

Lists of Acceptable Documents if the 

documentation reasonably appears to be 

genuine and to relate to the employee, 

or an acceptable List A, List B, or List 

C receipt as described in the Form I–9 

Instructions. Employers may not require 

extra or additional documentation 

beyond what is required for Form I–9 

completion. Further, employers 

participating in E-Verify who receive an 

E-Verify case result of ‘‘Tentative 

Nonconfirmation’’ (TNC) must promptly 

inform employees of the TNC and give 

such employees an opportunity to 

contest the TNC. A TNC case result 

means that the information entered into 

E-Verify from Form I–9 differs from 

records available to DHS. 

Employers may not terminate, 

suspend, delay training, withhold or 

lower pay, or take any adverse action 

against an employee because of a TNC 

while the case is still pending with EVerify. A Final Nonconfirmation (FNC) 

case result is received when E-Verify 

cannot confirm an employee’s 

employment eligibility. An employer 

may terminate employment based on a 

case result of FNC. Work-authorized 

employees who receive an FNC may call 

USCIS for assistance at 888–897–7781 

(TTY 877–875–6028). For more 

information about E-Verify-related 

discrimination or to report an employer 

for discrimination in the E-Verify 

process based on citizenship, 

immigration status, or national origin, 

contact IER’s Worker Hotline at 800– 

255–7688 (TTY 800–237–2515). 

Additional information about proper 

nondiscriminatory Form I–9 and EVerify procedures is available on the 

IER website at justice.gov/ 

ierandtheUSCISandEVerifywebsitesatuscis.gov/i-9-central 

and e-verify.gov. 

Note Regarding Federal, State, and 

Local Government Agencies (Such as 

Departments of Motor Vehicles) 

For Federal purposes, individuals 

approved for TPS may show their Form 

I–797, Notice of Action, indicating 

approval of their Form I–821 

application, or their A12 or C19 EAD to 

prove that they have TPS. However, 

while Federal Government agencies 

must follow the guidelines laid out by 

the Federal Government, state and local 

government agencies establish their own 

rules and guidelines when granting 

certain benefits. Each state may have 

different laws, requirements, and 

determinations about what documents 

you need to provide to prove eligibility 

for certain benefits. Whether you are 

applying for a Federal, state, or local 

government benefit, you may need to 

provide the government agency with 

documents that show you are covered 

under TPS or show you are authorized 

to work based on TPS. Examples of such 

documents are: 

• Your new EAD with a category code 

of A12 or C19 for TPS, regardless of 

your country of birth; 

• A copy of your Form I–94, Arrival/ 

Departure Record; or 

• Form I–797, the notice of approval, 

for your Form I–821, Application for 

Temporary Protected Status, if you 

received one from USCIS. 

Check with the government agency 

regarding which document(s) the agency 

will accept. Some benefit-granting 

agencies use the SAVE program to 

confirm the current immigration status 

of applicants for public benefits. SAVE 

can verify when an individual has TPS 

based on the documents above. In most 

cases, SAVE provides an automated 

electronic response to benefit-granting 

agencies within seconds, but 

occasionally verification can be delayed. 

You can check the status of your SAVE 

verification by using CaseCheck at 

uscis.gov/save/save-casecheck, then by 

clicking the ‘‘Check Your Case’’ button. 

CaseCheck is a free service that lets you 

follow the progress of your SAVE 

verification using your date of birth and 

SAVE verification case number or an 

immigration identifier number that you 

provided to the benefit-granting agency. 

If an agency has denied your application 

based solely or in part on a SAVE 

response, the agency must offer you the 

opportunity to appeal the decision in 

accordance with the agency’s 

procedures. If the agency has received 

and acted on or will act on a SAVE 

verification and you do not believe the 

final SAVE response is correct, please 

see the SAVE Records: Fast Facts For 

Benefit Applicants sheet under SAVE 

Resources at https://www.uscis.gov/ 

save/save-resources for information 

about how to correct or update your 

immigration record. 

[FR Doc. 2022–08390 Filed 4–18–22; 8:45 am] 

BILLING CODE 9111–97–P 

DEPARTMENT OF HOUSING AND 

URBAN DEVELOPMENT 

[Docket No. FR–6317–N–01] 

Mortgagee Review Board: 

Administrative Actions 

AGENCY: Office of the Assistant 

Secretary for Housing–Federal Housing 

Commissioner, 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 FHA-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) 402–2701 (this is not a toll-free 

number). Persons with hearing or 

speech impairments may access this 

number through TTY by calling the 

Federal Information Service at (800) 

877–8339 (this is a toll-free number). 

SUPPLEMENTARY INFORMATION: Section 

202(c)(5) of the National Housing Act 

(12 U.S.C. 1708(c)(5)) requires that HUD 

‘‘publish in the Federal Register a 

description of and the cause for 

administrative action against a[n FHAapproved] mortgagee’’ by HUD’s 

Mortgagee Review Board (‘‘Board’’). In 

compliance with the requirements of 


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section 202(c)(5), this notice advises of 

actions that have been taken by the 

Board in its meetings from the 

beginning of fiscal year 2021, October 1, 

2020, through September 30, 2021, 

where settlement agreements have been 

reached as of February 28, 2022. The 

notice also includes one notice of 

administrative action (a withdrawal) 

which was issued in fiscal year 2019. 

I. Civil Money Penalties, Withdrawals 

of FHA Approval, Suspensions, 

Probations, and Reprimands 

1. Absolute Home Mortgage 

Corporation, Fairfield, NJ [Docket No. 

20–2122–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Absolute Home 

Mortgage Corporation (‘‘Absolute Home 

Mortgage’’) that included a civil money 

penalty of $15,067. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Absolute Home Mortgage (a) failed to 

timely notify FHA of a state sanction in 

fiscal year 2019; and (b) submitted a 

false certification to FHA concerning 

fiscal year 2019. 

2. All Western Mortgage Inc d/b/a Ping 

Home Loans, Las Vegas, NV [Docket No. 

21–2163–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with All Western Mortgage 

Inc. (‘‘All Western’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: All Western failed 

to timely notify FHA of a state sanction 

in fiscal year 2019. 

3. American Advisors Group, Orange, 

CA [Docket No. 20–2140–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with American Advisors 

Group (‘‘American Advisor’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

American Advisors failed to timely 

notify FHA of a state sanction in fiscal 

year 2019. 

4. American Federal Mortgage Corp., 

Chester, NJ [Docket No. 21–2171–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with American Federal 

Mortgage Corp. (‘‘American Federal’’) 

that included a civil money penalty of 

$15,067. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

American Federal (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2019; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2019. 

5. American Ken, Inc., Diamond Bar, CA 

[Docket No. 21–2174–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with American Ken Inc. 

(‘‘American Ken’’) that included a civil 

money penalty of $10,245. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: American Ken 

failed to timely notify FHA of a state 

sanction in fiscal year 2020. 

6. American Neighborhood Mortgage 

Acceptance Co., Mount Laurel, NJ 

[Docket No. 20–2022–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with American 

Neighborhood Mortgage Acceptance Co. 

(‘‘Annie Mac’’) that included a civil 

money penalty of $218,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Annie 

Mac serviced FHA-insured mortgages 

without the required state mortgage 

servicing license. 

7. AmeriSave Mortgage Corporation, 

Atlanta, GA [Docket No. 20–2148–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with AmeriSave Mortgage 

Corporation (‘‘AmeriSave’’) that 

included a civil money penalty of 

$10,067. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: AmeriSave failed 

to timely notify FHA of a state sanction 

in fiscal year 2019. 

8. Angel Oak Home Loans LLC, Atlanta, 

GA [Docket No. 21–2186–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Angel Oak Home Loans 

LLC (‘‘Angel Oak’’) that included a civil 

money penalty of $10,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Angel 

Oak (a) failed to timely notify FHA of 

an unresolved finding in fiscal year 

2020; and (b) failed to timely notify 

FHA of a state sanction in fiscal year 

2020. 

9. Assent Mortgage, LLC, Irvine, CA 

[Docket No. 20–2026–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Assent Mortgage, LLC 

(‘‘Assent’’) that included a civil money 

penalty of $20,067, Assent seeking a 

voluntary withdrawal from the FHA 

program, and—after its withdrawal— 

Assent would refrain from applying to 

the FHA program for one year. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Assent 

(a) failed to disclose to FHA a sanction 

in fiscal year 2018 during the pendency 

of its FHA application; (b) submitted a 

false certification to FHA concerning 

fiscal year 2018; and (c) failed for fiscal 

year 2019 to remit its annual 

certification statements and to timely 

submit its audited financial statements 

and supplementary information. 

10. Assurance Financial Group LLC, 

Baton Rouge, LA [Docket No. 20–2137– 

MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Assurance Financial 

Group, LLC (‘‘Assurance Financial 

Group’’) that included a civil money 

penalty of $15,067. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Assurance Financial Group (a) failed to 

timely notify FHA of a state sanction in 

fiscal year 2019; and (b) submitted a 

false certification to FHA concerning 

fiscal year 2019. 

11. Atlantic Home Loans, Inc., 

Parsippany, NJ [Docket No. 21–2193– 

MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 


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agreement with Atlantic Home Loans, 

Inc (‘‘Atlantic’’) that included a civil 

money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Atlantic failed to 

timely notify FHA of a state sanction in 

fiscal year 2020. 

12. Blue Ridge Bank, N.A., Greensboro, 

NC [Docket No. 21–2208–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Blue Ridge Bank, N.A. 

(‘‘Blue Ridge Bank’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Blue Ridge failed 

to notify FHA of change in business 

structure in fiscal year 2021. 

13. Bond Street Mortgage, LLC, 

Paramus, NJ [Docket No. 20–2147–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Bond Street Mortgage, 

LLC (‘‘Bond Street’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Bond Street failed 

to timely notify FHA of a state sanction 

in fiscal year 2019. 

14. Castle & Cooke Mortgage LLC, 

Draper, UT [Docket No. 20–2100–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Castle & Cooke 

Mortgage LLC (‘‘Castle & Cooke’’) that 

included a civil money penalty of 

$15,245. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Castle 

& Cooke (a) failed to timely notify FHA 

of a state sanction in fiscal year 2019; 

and (b) submitted a false certification to 

FHA concerning fiscal year 2019. 

15. CIS Financial Services, Inc., 

Hamilton, AL [Docket No. 20–2123–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with CIS Financial Services, 

Inc. (‘‘CIS’’) that included a civil money 

penalty of $10,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: CIS (a) 

failed to timely notify FHA of an 

operating loss in excess of 20 percent of 

its quarter-end net worth in fiscal year 

2019; and (b) failed to submit to FHA 

the required quarterly financial 

statements following a quarterly loss 

exceeding 20 percent of net worth. 

16. CityWorth Mortgage LLC, Fairfax, 

VA [Docket No. 21–2205–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with CityWorth Mortgage 

LLC (‘‘CityWorth’’) that included a civil 

money penalty of $15,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

CityWorth (a) failed to maintain the 

required minimum adjusted net worth 

in fiscal year 2020; (b) failed to timely 

notify FHA that it did not meet the 

adjusted net worth requirement in fiscal 

year 2020; and (c) failed to timely notify 

FHA of an operating loss in excess of 20 

percent of its quarter-end net worth in 

fiscal year 2020. 

17. CU Mortgage Direct LLC, Sioux Falls, 

SD [Docket No. 20–2144–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with CU Mortgage Direct LLC 

(‘‘CU’’) that included a civil money 

penalty of $10,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: CU (a) 

failed to maintain the minimum 

required liquid assets for fiscal year 

2019; and (b) failed to timely notify 

FHA that it did not meet the minimum 

liquid asset requirement in fiscal year 

2019. 

18. CWM Partners LP, Moore, OK 

[Docket No. 20–2018–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with CWM Partners LP 

(‘‘CWM’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: CWM 

failed to timely notify FHA of a state 

sanction in fiscal year 2019. 

19. DEVAL, LLC, Irving, TX [Docket No. 

20–2124–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with DEVAL, LLC (‘‘Deval’’) 

that included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: DEVAL failed to 

timely notify FHA of a state sanction in 

fiscal year 2019. 

20. Diamond Residential Mortgage 

Corporation, Lake Forest, IL [Docket No. 

19–2044–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Diamond Residential 

Mortgage Corporation (‘‘Diamond 

Residential’’) that included a civil 

money penalty of $813,703. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Diamond 

Residential (a) failed to timely notify 

FHA of two state sanctions in fiscal year 

2018; (b) failed to timely notify FHA of 

a state sanction imposed against an 

employee in fiscal year 2018; (c) failed 

to timely notify FHA of a business 

change affecting a state lending license; 

(d) engaged in business practices that 

did not conform to generally accepted 

practices of prudent mortgagees by 

failing to supervise properly a branch 

location and a branch manager; and (e) 

provided false information to FHA. 

21. Embrace Home Loans, Inc., 

Middletown, RI [Docket No. 21–2167– 

MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Embrace Home Loans, 

Inc. (‘‘Embrace’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Embrace (a) failed to timely notify FHA 

of a state sanction in fiscal year 2019; 

and (b) submitted a false certification to 

FHA concerning fiscal year 2019. 

22. FFC Mortgage Corporation, Irvine, 

CA [Docket No. 20–2099–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with FFC Mortgage 

Corporation (‘‘FFC’’) that included a 

civil money penalty of $5,000. The 


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settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: FFC failed to 

timely notify FHA of a state sanction in 

fiscal year 2019. 

23. First Choice Loan Services, East 

Brunswick, NJ [Docket No. 20–2098–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with First Choice Loan 

Services (‘‘First Choice’’) that included 

a civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: FFC failed to 

timely notify FHA of a state sanction in 

fiscal year 2019. 

24. First Heritage Mortgage, LLC, 

Fairfax, VA [Docket No. 20–2128–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with First Heritage Mortgage, 

LLC (‘‘First Heritage’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: First Heritage 

failed to timely notify FHA of a state 

sanction in fiscal year 2019. 

25. Flagstar Bank, Troy, MI [Docket No. 

20–2153–MR] 

Action: On February 25, 2021, the 

Board voted to authorize a settlement 

with Flagstar Bank (‘‘Flagstar’’) that 

required Flagstar to pay the Government 

$70,000,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following allegation: 

Flagstar failed to act in good faith to 

meet certain preconditions that 

triggered Flagstar’s repayment 

obligations under a 2012 False Claims 

Act settlement agreement. 

26. FM Home Loans LLC, Brooklyn, NY 

[Docket No. 20–2138–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with FM Home Loans LLC 

(‘‘FM Home Loans’’) that included a 

civil money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: FM 

Home Loans (a) failed to timely notify 

FHA of a state sanction in fiscal year 

2019; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2019. 

27. Grande Home Loans, LLC, Dallas, 

TX [Docket No. 20–2119–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Grande Home Loans 

(‘‘Grande Home’’) that included a civil 

money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Grande Home 

failed to maintain the required 

minimum adjusted net worth in fiscal 

year 2019. 

28. Green Brick Mortgage, LLC, Dallas, 

TX [Docket No. 20–2131–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Green Brick Mortgage, 

LLC (‘‘Green Brick’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Green Brick failed 

to maintain the minimum required 

adjusted net worth in fiscal year 2019. 

29. Greenway Mortgage Funding 

Corporation, Middletown, NJ [Docket 

No. 21–2175–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Greenway Mortgage 

Funding Corporation (‘‘Greenway’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Greenway failed 

to timely notify FHA of a state sanction 

in fiscal year 2019. 

30. Group One Mortgage, Inc., Jupiter, 

FL [Docket No. 20–2073–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Group One Mortgage, 

Inc. (‘‘Group One’’) that included a civil 

money penalty of $24,442. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Group 

One (a) failed to maintain the minimum 

required adjusted net worth in fiscal 

years 2017 and 2018; and (b) failed to 

timely notify FHA that it did not meet 

the adjusted net worth requirement in 

fiscal year 2017. 

31. GSF Mortgage Corporation, 

Brookfield, WI [Docket No. 21–2199– 

MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with GSF Mortgage 

Corporation (‘‘GSF’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: GSF failed to 

timely notify FHA of a state sanction in 

fiscal year 2020. 

32. Guild Mortgage Company, San 

Diego, CA [Docket No. 16–cv–02909 

(S.D. Cal.)] 

Action: On October 8, 2020, the Board 

voted to accept a False Claims Act 

settlement agreement involving Guild 

Mortgage Company (‘‘Guild’’) that 

included a payment to the United States 

of $24,900,000, of which $16,600,000 

was restitution. For FHA-insured loans 

covered by the False Claim Act 

settlement agreement, the Board 

provided Guild a release for 

administrative liability under 24 CFR 

parts 25 and 30. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Guild 

knowingly caused ineligible mortgage 

loans to be endorsed with FHA 

insurance between July 1, 2007, and 

December 31, 2011. 

33. Guild Mortgage Company, San 

Diego, CA [Docket No. 19–2019–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Guild Mortgage 

Company (‘‘Guild’’) that included a civil 

money penalty of $5,000 and execution 

of a life-of-loan indemnification for one 

loan. The settlement did not constitute 

an admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Guild 

(a) failed to obtain documentation 

evidencing a repayment agreement for 

the borrower’s outstanding federal debt; 

(b) failed to verify the status of this debt; 

and (c) failed to document that funds 

used to pay off the borrower’s debts 

prior to closing came from an acceptable 

source and to ensure that the borrower 

did not incur new debt not included in 

the debt-to-income ratio used during 

underwriting. 


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34. Hancock Mortgage Partners, LLC, 

Sugar Land, TX [Docket No. 20–2149– 

MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Hancock Mortgage 

Partners, LLC (‘‘Hancock’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Hancock failed to 

timely notify FHA of a sanction in fiscal 

year 2020. 

35. Home Mortgage Bankers, Carolina, 

PR [Docket No. 20–2024–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Home Mortgage Bankers 

that included a civil money penalty of 

$20,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Home 

Mortgage Bankers (a) failed to maintain 

a warehouse line of credit in fiscal year 

2018; (b) failed to timely notify FHA of 

a warehouse line of credit deficiency in 

fiscal year 2018; (c) failed to maintain a 

warehouse line of credit in fiscal year 

2019; and (d) failed to maintain a 

warehouse line of credit in fiscal year 

2020. 

36. HomeServices Lending, LLC, Golden 

Valley, MN [Docket No. 20–2127–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with HomeServices Lending, 

LLC (‘‘HSL’’) that included a civil 

money penalty of $10,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: HSL 

failed to timely notify FHA of two state 

sanctions in fiscal year 2019. 

37. Homespire Mortgage Corporation, 

Gaithersburg, MD [Docket No. 21–2189– 

MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Homespire Mortgage 

Corporation (‘‘Homespire’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Homespire failed to timely notify FHA 

of a state sanction in fiscal year 2020. 

38. Hometown Lenders, Inc., Huntsville, 

AL [Docket No. 21–2196–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Hometown Lenders, Inc 

(‘‘Hometown’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Hometown (a) failed to timely notify 

FHA of a state sanction in fiscal year 

2020; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2020. 

39. Intercontinental Capital Group Inc 

d/b/a Fellowship HL, Melville, NY 

[Docket No. 20–2157–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Intercontinental Capital 

Group Inc. (‘‘Intercontinental’’) that 

included a civil money penalty of 

$20,067. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Intercontinental (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2019; (b) failed to timely notify 

FHA of a state sanction against a 

corporate officer in fiscal year 2019; and 

(c) submitted a false certification to FHA 

concerning fiscal year 2019. 

40. Johnson Capital Multifamily, Inc., F/ 

K/A Funding Incorporated, Houston, TX 

[Docket Nos. 20–2013–MR and 18–1897 

MRT] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Johnson Capital 

Multifamily, Inc. (‘‘Johnson Capital’’) 

that included a civil money penalty of 

$60,980. Separately, the Board voted to 

enter into a settlement agreement with 

Johnson Capital that included a 

settlement of $4,500. The settlements 

did not constitute an admission of 

liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Johnson Capital (a) failed to comply 

with FHA’s annual recertification 

requirements in a timely manner 

following fiscal year 2017; (b) failed to 

maintain the required liquid assets in 

fiscal years 2019 and 2020; (c) failed to 

maintain the minimum required 

adjusted net worth in fiscal years 2019 

and 2020; and (d) failed to timely notify 

FHA that it did not meet the adjusted 

net worth requirement or the liquid 

asset requirement in fiscal years 2019 

and 2020. 

41. Jordan West Companies LTD d/b/a 

U.S. Mortgages, Centennial, CO [Docket 

No. 19–1964–MR] 

Action: On May 12, 2020, the Board 

voted to withdraw Jordan West 

Companies LTD (‘‘Jordan West’’) for a 

period of one year. Jordan West 

appealed the Board’s action, and, on 

November 18, 2020, the Board voted to 

enter into a settlement agreement with 

Jordan West that included a civil money 

penalty in the amount of $60,000 and 

required the submission to FHA of 

quarter-end financial statements for a 

two-year period and the implementation 

of a detailed corrective action plan. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board withdrew Jordan 

West’s FHA-approval based on the 

following alleged violation of FHA 

requirements: Jordan West failed to 

maintain the minimum required 

adjusted net worth in fiscal year 2018. 

As to the settlement, the Board took this 

action based on the following alleged 

violations of FHA requirements: Jordan 

West (a) failed to maintain the 

minimum required adjusted net worth 

in fiscal years 2018, 2019, and 2020; (b) 

failed to timely notify FHA that it did 

not meet the adjusted net worth 

requirement in fiscal years 2018, 2019, 

and 2020; (c) failed to timely notify FHA 

of an operating loss in excess of 20 

percent of its quarter-end net worth in 

fiscal year 2018; and (d) failed to submit 

to FHA the required quarterly financial 

statements following a quarterly loss 

exceeding 20 percent of net worth. 

42. Keller Mortgage, LLC, Dublin, OH 

[Docket No. 20–2142–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Keller Mortgage, LLC 

(‘‘Keller Mortgage’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Keller 

Mortgage (a) failed to timely notify FHA 

of a state sanction in fiscal year 2019; 

and (b) submitted a false certification to 

FHA concerning fiscal year 2019. 

43. Liberty Mortgage Corporation, 

Vestavia, AL [Docket No. 20–2156–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Liberty Mortgage 


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Corporation (‘‘Liberty Mortgage’’) that 

included a civil money penalty of 

$15,067. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Liberty 

Mortgage (a) failed to maintain 

minimum liquid asset requirements in 

fiscal year 2020; and (b) failed to timely 

notify FHA that it did not meet the 

minimum liquid asset requirement in 

fiscal year 2020. 

44. LoanSnap, Inc., Costa Mesa, CA 

[Docket No. 20–2114–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with LoanSnap, Inc 

(‘‘LoanSnap’’) that included a civil 

money penalty of $25,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

LoanSnap (a) failed to timely notify 

FHA of an operating loss in excess of 20 

percent of its quarter-end net worth in 

fiscal year 2019; and (b) failed to submit 

to FHA the required quarterly financial 

statements following a quarterly loss 

exceeding 20 percent of net worth. 

45. Long Lake MSR, Inc., Troy, MI 

[Docket No. 20–2120–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Long Lake MSR (‘‘Long 

Lake’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Long 

Lake failed to timely notify FHA of a 

state sanction in fiscal year 2019. 

46. M Squared Financial, LLC d/b/a 

Fountain Mortgage, Prairie Village, KS 

[Docket No. 20–2132–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with M Squared Financial, 

LLC (‘‘M Squared’’) that included a civil 

money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: M 

Squared failed to timely notify FHA of 

a state sanction in fiscal year 2019. 

47. Manhattan Financial Group, Inc., 

Escondido, CA [Docket No. 20–2039– 

MR] 

Action: On November 17, 2020, the 

Board voted to enter into a settlement 

agreement with Manhattan Financial 

Group, Inc (‘‘Manhattan Financial’’) that 

included a civil money penalty of 

$14,819. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Manhattan Financial (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2018; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2018. 

48. MMS Mortgage Services, Ltd, 

Farmington Hills, MI [Docket No. 20– 

2125–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with MMS Mortgage Services 

(‘‘MMS’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: MMS failed to 

timely notify FHA of a state sanction in 

fiscal year 2019. 

49. Monarch Funding Corp, Anaheim, 

CA [Docket No. 20–2097–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Monarch Funding Corp 

(‘‘Monarch Funding’’) that included a 

civil money penalty of $15,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Monarch Funding (a) failed to maintain 

a warehouse line of credit in fiscal year 

2019; (b) failed to timely notify FHA of 

a warehouse line of credit deficiency in 

fiscal year 2019; and (c) failed to 

maintain a warehouse line of credit in 

fiscal year 2020. 

50. Multiples Mortgage Corporation, San 

Juan, PR [Docket No. 20–2126–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Multiples Mortgage 

Corporation (‘‘Multiples’’) that included 

a civil money penalty of $15,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Multiples (a) failed to timely notify FHA 

of operating losses exceeding 20 percent 

in fiscal year ended 2019; and (b) failed 

to timely notify FHA of a change in 

corporate officers in the fiscal years 

2018 and 2020. 

51. Network Funding LP, Houston, TX 

[Docket No. 20–2107–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Network Funding LP 

(‘‘Network Funding’’) that included a 

civil money penalty of $14,468. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Network Funding (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2016; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2016. 

52. New West Lending, Inc., Phoenix, 

AZ [Docket No. 21–2188–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with New West Lending Inc. 

(‘‘New West’’) that included a civil 

money penalty of $10,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: New 

West (a) failed to timely notify FHA of 

a state sanction in fiscal year 2020; and 

(b) overcharged an FHA borrower in 

violation of the Truth in Lending Act. 

53. NJ Lenders Corporation, Little Falls, 

NJ [Docket No. 20–2155–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with NJ Lenders Corporation 

(‘‘NJ Lenders’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: NJ 

Lenders (a) failed to timely notify FHA 

of a state sanction in fiscal year 2019; 

and (b) submitted a false certification to 

FHA concerning fiscal year 2019. 

54. Pacific Residential Mortgage, LLC, 

Lake Oswego, OR [Docket No. 21–2162– 

MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Pacific Residential 

Mortgage, LLC (‘‘Pacific Residential’’) 

that included a civil money penalty of 

$15,067. The settlement did not 

constitute an admission of liability or 

fault. 


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Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Pacific 

Residential (a) failed to timely notify 

FHA of a state sanction in fiscal year 

2019; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2019. 

55. Paragon Mortgage Corporation, 

Phoenix, AZ [Docket No. 20–2159–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Paragon Mortgage 

Corporation (‘‘Paragon’’) that included a 

civil money penalty of $20,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Paragon (a) failed to timely notify FHA 

of an operating loss in excess of 20 

percent of its quarter-end net worth in 

fiscal year 2019; and (b) failed to submit 

to FHA the required quarterly financial 

statements following a quarterly loss 

exceeding 20 percent of net worth. 

56. Polaris Home Funding Corporation, 

Grandville, MI [Docket No. 20–2021– 

MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Polaris Home Funding 

Corporation (‘‘Polaris Home Funding’’) 

that included a civil money penalty of 

$29,886. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Polaris 

Home Funding (a) failed to timely notify 

FHA of state sanctions in fiscal years 

2018 and 2019; and (b) submitted false 

certifications to FHA concerning fiscal 

year 2018 and 2019. 

57. Premier Lending, Inc., Charlotte, NC 

[Docket No. 20–2146–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Premier Lending, Inc. 

(‘‘Premier Lending’’) that included a 

civil money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Premier 

Lending (a) failed to timely notify FHA 

of a state sanction in fiscal year 2019; 

and (b) submitted a false certification to 

FHA concerning fiscal year 2019. 

58. R M K Financial Corp d/b/a Majestic 

Home Loans, Ontario, CA [Docket No. 

20–2086–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with R M K Financial Corp. 

(‘‘R M K’’) that included a civil money 

penalty of $40,268 and execution of a 

five-year indemnification for two loans. 

The settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: R M K 

(a) failed to adequately document and 

implement its Quality Control Program; 

(b) failed to identify a conflict of interest 

in connection with an FHA-insured 

mortgage; and (c) failed to document 

that a borrower had sufficient funds 

available from an acceptable source to 

close a loan. 

59. Ready Mortgage Lenders, LLC, 

Miami, FL [Docket No. 21–2190–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Ready Mortgage 

Lenders, LLC (‘‘Ready’’) that included a 

civil money penalty of $10,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Ready 

(a) failed to timely notify FHA of a 

change in ownership in fiscal year 2017; 

and (b) failed to timely notify FHA of a 

state sanction in fiscal year 2020. 

60. Renaissance Lenders Inc., Pasadena, 

MD [Docket No. 20–2152–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Renaissance Lenders 

Inc. (‘‘Renaissance’’) that included a 

civil money penalty of $90,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Renaissance (a) failed to maintain the 

minimum required adjusted net worth 

in fiscal years 2019 and 2020; (b) failed 

to timely notify FHA that it did not meet 

the adjusted net worth requirement in 

fiscal year 2019; (c) failed to maintain 

the required liquid assets in fiscal years 

2019 and 2020; (d) failed to timely 

notify FHA that it did not meet the 

minimum liquid asset requirement in 

fiscal years 2019 and 2020; (e) failed to 

maintain an acceptable funding program 

in fiscal years 2019 and 2020; (f) failed 

to timely notify FHA of a funding 

program deficiency in fiscal year 2019; 

(g) failed to maintain the required 

fidelity bond coverage in fiscal year 

2019; (h) failed to timely notify FHA of 

a change in fidelity bond coverage in 

fiscal year 2019; (i) failed to maintain 

the required fidelity bond coverage in 

fiscal year 2020; (j) failed to maintain 

the required error and omissions 

insurance in fiscal years 2019 and 2020; 

(k) failed to timely notify FHA of a 

change in error and omissions insurance 

in fiscal year 2019; and (l) failed to 

submit to FHA the required quarterly 

financial statements following a 

quarterly loss exceeding 20 percent of 

net worth. 

61. Reverse Mortgage Funding, 

Bloomfield, NJ [Docket No. 20–2151– 

MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with Reverse Mortgage 

Funding (‘‘Reverse Mortgage’’) that 

included a repurchase of a Home Equity 

Conversion Mortgage (HECM) loan, 

execution of a life-of-loan 

indemnification for one HECM loan, 

and a civil money penalty of $10,067. 

The settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Reverse 

Mortgage (a) submitted false information 

in connection an assignment to FHA of 

a HECM in fiscal year 2019; and (b) 

assigned an ineligible HECM loan to 

FHA in fiscal year 2019. 

62. River City Mortgage, LLC, Blue Ash, 

OH [Docket No. 21–2172–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with River City Mortgage, 

LLC (‘‘River City’’) that included a civil 

money penalty of $10,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: River 

City (a) failed to timely notify FHA of 

a state sanction in fiscal year 2019; and 

(b) failed to timely notify FHA of a state 

sanction in fiscal year 2020. 

63. Semper Home Loans Inc., 

Providence, RI [Docket No. 21–2170– 

MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Semper Home Loans, 

Inc. (‘‘Semper’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Semper 


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(a) failed to timely notify FHA of a state 

sanction in fiscal year 2019; and (b) 

submitted a false certification to FHA 

concerning fiscal year 2019. 

64. Senior Mortgage Banker, Inc., San 

Juan, PR [Docket No. 20–2040–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Senior Mortgage Banker, 

Inc (‘‘Senior’’) that included a civil 

money penalty of $15,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Semper 

(a) failed to maintain the minimum 

required adjusted net worth in fiscal 

year 2017; (b) failed to timely notify 

FHA that it did not meet the adjusted 

net worth requirement in fiscal year 

2017; and (c) failed to maintain the 

minimum required adjusted net worth 

in fiscal year 2018. 

65. Servis One Inc. d/b/a BSI Financial 

Services, Irving, TX [Docket No. 20– 

2154–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Servis One, Inc. 

(‘‘Servis’’) that included a civil money 

penalty of $10,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Servis 

(a) failed to timely notify FHA of an 

operating loss in excess of 20 percent of 

its quarter-end net worth in fiscal year 

2020; and (b) failed to timely notify 

FHA of a sanction in fiscal year 2020. 

66. SIRVA Mortgage, Inc., 

Independence, OH [Docket No. 21– 

2197–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with SIRVA Mortgage, Inc. 

(‘‘SIRVA’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: SIRVA failed to 

timely notify FHA of a state sanction in 

fiscal year 2020. 

67. SouthPoint Financial Services, Inc., 

Alpharetta, GA [Docket No. 20–2084– 

MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with Southpoint Financial 

Services, Inc. (‘‘SouthPoint’’) that 

included a civil money penalty of 

$39,065. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

SouthPoint (a) failed to timely notify 

FHA of an operating loss in excess of 20 

percent of its net worth in fiscal year 

2018; (b) failed to submit to FHA the 

required quarterly financial statements 

following a quarterly loss exceeding 20 

percent of net worth; (c) failed to 

maintain the minimum required 

adjusted net worth in fiscal year 2018; 

and (d) failed to timely notify FHA that 

it did not meet the adjusted net worth 

requirement in fiscal year 2018. 

68. Southwest Funding LP, Dallas, TX 

[Docket No. 20–2000–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Southwest Funding LP 

(‘‘Southwest Funding’’) that included a 

civil money penalty of $220,703. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Southwest Funding (a) failed to 

cooperate with FHA lender monitoring 

reviews in 2017 and 2018; (b) 

implemented a Quality Control Plan 

(QC) that omitted required elements; (c) 

failed to ensure its QC vendors made 

accurate loan sample risk assessments; 

(d) failed to self-report material findings 

for four loans; (e) failed to complete 

timely reviews of its early payment 

defaults in accordance with FHA 

requirements; and (f) failed to ensure 

that its training policies complied with 

FHA requirements. 

69. Summit Funding Inc., Sacramento, 

CA [Docket No. 20–2161–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Summit Funding Inc. 

(‘‘Summit Funding’’) that included a 

civil money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Summit Funding (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2019; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2019. 

70. TAM Lending Center, Inc., Cherry 

Hill, NJ [Docket No. 20–2014–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with TAM Lending Center, 

Inc. (‘‘TAM Lending Center’’) that 

included a civil money penalty of 

$10,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: TAM 

Lending Center (a) failed to maintain the 

minimum required adjusted net worth 

in fiscal year 2018; and (b) failed to 

timely notify FHA that it did not meet 

the adjusted net worth requirement in 

fiscal year 2018. 

71. Thompson Kane & Company, LLC, 

Madison, WI [Docket No. 19–1987–MRT] 

Action: On November 18, 2021, the 

Board voted to enter into a settlement 

agreement with Thompson Kane & 

Company (‘‘Thompson Kane’’) that 

included a civil money penalty of 

$39,819. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Thompson Kane (a) to comply with 

FHA’s annual recertification 

requirements in a timely manner 

following fiscal year 2018; (b) failed to 

maintain the minimum required 

adjusted net worth in fiscal year 2018; 

(c) failed to timely notify FHA that it 

did not meet the adjusted net worth 

requirement in fiscal year 2018; (d) 

failed to maintain the required liquid 

assets in fiscal year 2018; (e) failed to 

timely notify FHA that it did not meet 

the minimum liquid asset requirement 

in fiscal year 2018; (f) failed to timely 

notify FHA of an operating loss in 

excess of 20 percent of its quarter-end 

net worth in fiscal year 2018; and (g) 

failed to submit to FHA the required 

quarterly financial statements following 

a quarterly loss exceeding 20 percent of 

net worth in fiscal year 2018. 

72. Total Media Management LLC d/b/ 

a New South Mortgage, Huntsville, AL 

[Docket No. 19–1941–MR] 

Action: On June 30, 2021, the Board 

voted to enter into a settlement 

agreement with Total Media 

Management, Inc. (‘‘Total Media’’) that 

included a civil money penalty of 

$142,619 and execution of a life-of-loan 

indemnification for six HECM loans. 

The settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Total 

Media (a) failed to maintain the 

minimum required adjusted net worth 

in fiscal years 2017, 2018, and 2019; (b) 

failed to timely notify FHA that it did 


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not meet the adjusted net worth 

requirement in fiscal years 2017, 2018, 

and 2019; (c) failed to maintain the 

required liquid assets in 2017; (d) failed 

to timely notify FHA that it did not meet 

the minimum liquid asset requirement 

in fiscal year 2017; (e) violated FHA’s 

underwriting requirements for three 

HECM loans by failing to analyze the 

borrower’s credit history to determine 

the borrower’s willingness and ability to 

timely meet the financial obligations; 

and (f) violated FHA’s underwriting 

requirements for five HECM loans by 

failing to document the borrower’s 

income, verify the accuracy of the 

income reported, or determine whether 

the offered income was effective 

income. 

73. Unify Home Lending, Inc., Rapid 

City, SD [Docket No. 20–2094–MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with Unify Home Lending, 

Inc. (‘‘Unify’’) that included a civil 

money penalty of $15,067. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: Unify 

(a) failed to maintain the minimum 

required adjusted net worth in fiscal 

year 2019; and (b) failed to timely notify 

FHA that it did not meet the adjusted 

net worth requirement in fiscal year 

2019. 

74. United Community Banks, Inc., 

Greenville, SC [Docket No. 21–2210–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with United Community 

Banks, Inc. (‘‘United Community’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: United 

Community failed to notify FHA of a 

change in business structure in fiscal 

year 2020. 

75. United Shore Financial Services, 

LLC, Pontiac, MI [Docket No. 20–2075– 

MR] 

Action: On November 18, 2020, the 

Board voted to enter into a settlement 

agreement with United Shore Financial 

Services, LLC (‘‘United Shore’’) that 

included reimbursement of claims for 

FHA mortgage insurance for five loans 

in the amount of $675,861.89. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: United 

Shore violated FHA’s underwriting 

requirements for five loans for (a) failure 

to document transfer of gift funds; (b) 

failure to document source of funds 

used to pay off a debt and pre-closing 

deposits; (c) failure to manually 

underwrite loans that had disputed 

credit report entries; (d) failure to 

properly calculate and document 

borrower income; (e) failure to properly 

verify borrower assets; (f) failure to 

order a required second appraisal; and 

(g) failure to include all borrower debts. 

76. Vibrant Credit Union, Moline, IL 

[Docket No. 20–2102–MR] 

Action: On November 18, 2021, the 

Board voted to enter into a settlement 

agreement with Vibrant Credit Union 

(‘‘Vibrant’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Vibrant failed to 

timely notify FHA of a change in 

business structure in fiscal year 2019. 

77. Victorian Finance LLC, Pittsburgh, 

PA [Docket No. 20–2139–MR] 

Action: On May 11, 2021, the Board 

voted to enter into a settlement 

agreement with Victorian Finance LLC 

(‘‘Victorian Finance’’) that included a 

civil money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: 

Victorian Finance (a) failed to timely 

notify FHA of a state sanction in fiscal 

year 2019; and (b) submitted a false 

certification to FHA concerning fiscal 

year 2019. 

78. WestCoast Mortgage Group and 

Realty Company, Sacramento, CA 

[Docket No. 20–2133–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with WestCoast Mortgage 

Group and Realty Company (‘‘West 

Coast’’) that included a civil money 

penalty of $5,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: West Coast failed 

to timely notify FHA of a state sanction 

in fiscal year 2019. 

79. Westerra Credit Union, Denver, CO 

[Docket No. 20–2158–MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with. Westerra Credit Union 

(‘‘Westerra’’) that included a civil 

money penalty of $5,000. The 

settlement did not constitute an 

admission of liability or fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Westerra failed to 

notify FHA of a change in business 

structure in fiscal year 2019. 

80. Willow Bend Mortgage Company 

LLC, Plano, TX [Docket No. 21–2169– 

MR] 

Action: On May 18, 2021, the Board 

voted to enter into a settlement 

agreement with. Willow Bend Mortgage 

Company LLC (‘‘Willow Bend’’) that 

included a civil money penalty of 

$5,000. The settlement did not 

constitute an admission of liability or 

fault. 

Cause: The Board took this action 

based on the following alleged violation 

of FHA requirements: Willow Bend 

failed to timely notify FHA of a state 

sanction in fiscal year 2019. 

81. WVMF Funding LLC, Wilmington, 

DE [Docket No. 21–2217–MR] 

Action: On September 21, 2021, the 

Board voted to enter into a settlement 

agreement with WVMF Funding LLC 

(‘‘WVMF’’) that included a civil money 

penalty of $10,000. The settlement did 

not constitute an admission of liability 

or fault. 

Cause: The Board took this action 

based on the following alleged 

violations of FHA requirements: WVMF 

(a) failed to maintain the minimum 

required adjusted net worth in fiscal 

year 2020; and (b) failed to timely notify 

FHA that it did not meet the adjusted 

net worth requirement in fiscal year 

2020. 

II. Lenders That Failed to Timely Meet 

Requirements for Annual 

Recertification of FHA Approval but 

Came Into Compliance 

Action: The Board entered into 

settlement agreements with the 

following lenders, which required the 

lender to pay a civil money penalty 

without admitting fault or liability. 

Cause: The Board took these actions 

based upon allegations that the listed 

lenders failed to comply with FHA’s 

annual recertification requirements in a 

timely manner. 

The following lenders paid civil 

money penalties of $10,245. 

1. Cross River Bank, Teaneck, NJ 

[Docket No. 21–2231–MRT] 


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Federal Register / Vol. 87, No. 75 / Tuesday, April 19, 2022 / Notices 23227 

2. Financial Partners Credit Union, 

Downey, CA [Docket No. 21–2218– 

MRT] 

3. West One Capital Group, Inc., 

Newport Beach, CA [Docket No. 21– 

2222–MRT] 

The following lender paid civil 

money penalties of $10,067. 

4. Rusty Rose Inc., Miami, FL [Docket 

No. 20–2105–MRT] 

The following lender paid civil 

money penalties of $10,000. 

5. Logan Finance Corporation, 

Blytheville, AR [Docket No. 21– 

2178] 

The following lender paid civil 

money penalties of $9,623. 

6. Idaho First Bank, Boise, ID [Docket 

No. 20–2106–MRT] 

The following lenders paid civil 

money penalties of $5,000. 

7. Cooperativa De Ahorro y Cre ́dito 

Caguas, Caguas, PR [Docket No. 21– 

2164–MRT] 

8. Eclipse Bank, Inc., Louisville, KY 

[Docket No. 21–2212–MRT] 

9. FedEx Employees Credit Association, 

Memphis, TN [Docket No. 21– 

2239–MRT] 

10. First Independence Bank, Detroit, 

MI [Docket No. 21–2228–MRT] 

11. First National Bank of Tom Bean, 

Tom Bean, TX [Docket No. 21– 

2226–MRT] 

12. Genhome Mortgage Corporation f/k/ 

a Beckham Funding Corp., Irvine, 

CA [Docket No. 21–2237–MRT] 

13. Greenbox Loan, Inc., Los Angeles, 

CA [Docket No. 21–2244–MRT] 

14. Home Financing Center, Inc., Coral 

Gables, FL [Docket No. 21–2141– 

MRT] 

15. Sterling Bank and Trust, F.S.B., 

Southfield, MI [Docket No. 20– 

2101–MRT] 

16. Washington County Bank, Blair, NE 

[Docket No. 21–2219–MRT] 

17. Wyoming Community Bank, 

Riverton, WY [Docket No. 20–2108– 

MRT] 

III. Lenders That Failed To Meet 

Requirements for Annual 

Recertification of FHA Approval 

The Board voted to withdraw 

Essential Federal Credit Union of Baton 

Rouge, LA for a period of one year on 

September 19, 2019 for its alleged 

failure to meet the annual recertification 

requirements in fiscal year 2018. 

Lopa P. Kolluri, 

Principal Deputy Assistant Secretary for 

Housing—Federal Housing Administration, 

Mortgagee Review Board. 

[FR Doc. 2022–08340 Filed 4–18–22; 8:45 am] 

BILLING CODE 4210–67–P 

DEPARTMENT OF HOUSING AND 

URBAN DEVELOPMENT 

[Docket No. FR–7056–N–13] 

60-Day Notice of Proposed Information 

Collection: Manufactured Housing 

Installation Program Reporting 

Requirements; OMB Control No.: 

2502–0578 

AGENCY: Office of the Assistant 

Secretary for Housing—Federal Housing 

Commissioner, HUD. 

ACTION: Notice. 

SUMMARY: HUD is seeking approval from 

the Office of Management and Budget 

(OMB) for the information collection 

described below. In accordance with the 

Paperwork Reduction Act, HUD is 

requesting comment from all interested 

parties on the proposed collection of 

information. The purpose of this notice 

is to allow for 60 days of public 

comment. 

DATES: Comments Due Date: June 21, 

2022. 

ADDRESSES: Interested persons are 

invited to submit comments regarding 

this proposal. Comments should refer to 

the proposal by name and/or OMB 

Control Number and should be sent to: 

Colette Pollard, Reports Management 

Officer, QDAM, Department of Housing 

and Urban Development, 451 7th Street 

SW, Room 4176, Washington, DC 

20410–5000; telephone 202–402–3400 

(this is not a toll-free number) or email 

at Colette.Pollard@hud.gov for a copy of 

the proposed forms or other available 

information. Persons with hearing or 

speech impairments may access this 

number through TTY by calling the tollfree Federal Relay Service at (800) 877– 

8339. 

FOR FURTHER INFORMATION CONTACT: 

Colette Pollard, Reports Management 

Officer, QDAM, Department of Housing 

and Urban Development, 451 7th Street 

SW, Washington, DC 20410; email 

Colette Pollard at Colette.Pollard@

hud.gov or telephone 202–402–3400. 

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 Relay 

Service at (800) 877–8339. 

Copies of available documents 

submitted to OMB may be obtained 

from Ms. Pollard. 

SUPPLEMENTARY INFORMATION: This 

notice informs the public that HUD is 

seeking approval from OMB for the 

information collection described in 

Section A. 

A. Overview of Information Collection 

Title of Information Collection: 

Manufactured Housing Installation 

Program Reporting Requirements. 

OMB Approval Number: 2502–0578. 

OMB Expiration Date: July 31, 2022. 

Type of Request: Revision of a 

currently approved collection. 

Form Numbers: HUD–305; HUD–306; 

HUD–307; HUD–308; HUD–309; HUD– 

312. 

Description of the need for the 

information and proposed use: The 

Manufactured Housing Installation 

Program, mandated by the 

Manufactured Home Construction and 

Safety Standards Act of 1974, as 

amended by the Manufactured Housing 

Improvement Act of 2000, establishes 

regulations for the implementation and 

administration of an installation 

program and establishes a regulatory 

program for States that choose not to 

implement their own programs. HUD 

uses the information collected for the 

enforcement of the Model Manufactured 

Home Installation Standards in each 

State that does not have an installation 

program established by State law to 

ensure that the minimum criteria of an 

installation program are met. 

Respondents (i.e., affected public): 

Business or other for-profit; State, Local, 

or Tribal Government; Individuals or 

households. 

Estimated Number of Respondents: 

4,072. 

Estimated Number of Responses: 

388,357. 

Frequency of Response: Annually. 

Average Hours per Response: 4. 

Total Estimated Burdens: 290,523 

hours. 

B. Solicitation of Public Comment 

This notice is soliciting comments 

from members of the public and affected 

parties concerning the collection of 

information described in Section A on 

the following: 

(1) Whether the proposed collection 

of information is necessary for the 

proper performance of the functions of 

the agency, including whether the 

information will have practical utility; 

(2) The accuracy of the agency’s 

estimate of the burden of the proposed 

collection of information; 

(3) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; and 

(4) Ways to minimize the burden of 

the collection of information on those 

who are to respond; including through 

the use of appropriate automated 

collection techniques or other forms of 

information technology, e.g., permitting 

electronic submission of responses. 


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