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Post 2:

   WEST VIRGINIA DIVISION OF BANKING 
 
 
State Capitol Complex Building 3, Room 311 1900 Kanawha Boulevard East Charleston, West Virginia  25305 

Telephone:  (304) 558-2294

Fax:  (304) 558-0442

Website:  www.wvdob.org 

Due on or before:  March 15, 2007

 

2006 Mortgage Lender Annual Report 

Instructions 

All portions of this form must be complete when forwarded to the Division of Banking.  Incomplete forms will not be accepted for processing and administrative penalties will be assessed until the report is complete.   

It is the licensee’s responsibility to promptly notify the Division of Banking of any change in contact personnel for the following areas:  Licensing, Compliance, Consumer Complaints, Records Custodian and Examination.  Updates to mailing address, telephone, fax and email are also required for each of the referenced individuals. 

Report forms are available on the Division of Banking’s website and are not mailed to licensees.   

An administrative penalty of $100 for late filing of this report will be assessed for each day after March 15, 2007.  

Part 1 

License Number (Main Office Only):  
Licensee Name:   
Main Office Location:   
Provide a copy of both a balance sheet and income statement for the period ended December 31, 2006.  
 

 

Provide a listing of all mortgage loans originated or funded in West Virginia for the period July 1, 2006 through December 31, 2006.  The listing should include:  Date Loan Closed, Borrower’s Name and Address, Original Loan Amount, Broker’s Name and Appraiser’s Name if the appraiser’s main office is located more than 75 miles from the subject property.  (Note:  The loans provided in response to this question should not be the same as provided with the 2006 WV Mortgage Broker Annual Report if your organization holds licenses as both a lender and a broker.)  
 
 

Provide the total number of loans detailed in Question 5 as applicable.   

Provide a listing of all West Virginia mortgage loans purchased or accepted for the period July 1, 2006 through December 31, 2006.  The listing should include:  Date Loan Closed, Originating Lender/Broker, Borrower’s Name and Address, and Original Loan Amount.  (These loans are not included in the fee calculation.)  

Total Purchased or Accepted  
 

Provide the number of West Virginia mortgage loans serviced for others.  (Loans originated, purchased or acquired by the licensee and now in repayment or servicing status should not be included.  This number is not included in the fee calculation. )  

Total Loans Serviced for Others  
 

Provide the number of all West Virginia mortgage loans that the licensee services in its own behalf.  This includes all loans originated, purchased and acquired by the licensee and now serviced.  (This number is not included in the fee calculation.)  

Total Loans Serviced  
 

Provide a spreadsheet listing of all foreclosures finalized on West Virginia residential real estate during 2006.  The list must include the following fields:   

Date of Foreclosure

Loan Date

Borrower’s Name

Borrower’s Address

Loan Balance at Foreclosure 
 
 
 

Provide a list, including name, address and telephone number, of all brokers used in the origination of mortgage loans in West Virginia.   
 
 
 
Does the licensee engage in telemarketing to solicit loans or contact with a third party to solicit potential borrowers?  If yes, please provide details.   
 
 
Of the total number of loans closed from July 1, 2006 through December 31, 2006, estimate the percentage closed by each of the following categories:   

  Employees, other than attorneys   Title Companies

  Attorney       Other  

Part 2 – Period of July 1, 2006 – December 31, 2006 

The total number of loan applications taken, regardless whether a loan was granted or not.   
 
The total number of loans for which the appraiser was headquartered more than 75 miles from the location of the property under appraisal.     
 
The total number of loans in which the total compensation paid or received is 0% to 3% of the loan amount.      
 
The total number of loans in which the total compensation paid or received is 3.01% to 6% of the loan amount.      
 
The total number of mortgages originated which contained prepayment penalties.     
 
The total number of nonpurchase money West Virginia mortgage loans originated in each of the following categories:   

1% to 75% Loan-to-Value (LTV):   

75.01% to 100% LTV:      

Over 100% LTV:       
 

The total number of loans originated with balloon payments.     

Part 3

Were any instances of fraudulent activity relating to mortgage loans detected in 2006 for the following categories?   

If yes, provide details as follows:  requested for each category.   
 

Borrower Name Property Address Loan Date Loan Amount Loan Type (Whether the loan was to purchase or refinance residential real estate) Description of the fraudulent activity and parties involved Law Enforcement Agencies notified, the date of such notification and agency contacted Status of the Loan and Investigation, including litigation plans and any restitution to be paid or received.   

Note:  Each loan should only be listed in one category, select the most relevant category from the following: 

Employee (Loan Officer, Processor, Manager, etc.)

If yes, provide the following information for each instance on a separate exhibit.   Exhibit  
 

Borrower (Borrower or co-borrower)

If yes, provide the following information for each instance on a separate exhibit.   Exhibit  
 

Settlement Agent or Settlement Service Provider

If yes, provide the following information for each instance on a separate exhibit.   Exhibit  
 

Other (Appraiser, Realtor, Mortgage Broker or other party not provided in prior category)

If yes, provide the following information for each instance on a separate exhibit.   Exhibit  

Part 4 - FEE CALCULATION 

Loan Assessment Fee    x $5.00 =  

Penalty (if applicable)       

TOTAL FEE PAYABLE TO THE

WV DIVISION OF BANKING      Check #:  

(Note:  All fees may be consolidated into one check by the licensee.) 

 

Certification 

I hereby certify that all information provided to the West Virginia Division of Banking is true and correct. 
 

Name of Preparer:    Title:

Signature:   ___________________________________________________________

Address: 

Telephone:   Email:

Notary Acknowledgement

STATE OF _________________________   

COUNTY OF ________________________ 

Taken, subscribed and sworn to by _______________________________________ of___________________________, this _______ day of ___________________, 2007.

My commission expires on                                                                                       . 

                                          ____________________________________________

(NOTARY SEAL OR STAMP)   Notary Public

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