Sunday, June 28, 2015

Information on Robo-Signing Suspects, K to M


Kabir, Laura

1.  Signed endorsement for People's Choice Home Loan, Inc. as Chief
     Credit Officer; signature differs from signature on Assignment of
     Deed of Trust on this link, notarized as California notary, 24 Feb
     2004.

Kaminski, Joseph

1.  Co-signed Assignment of Deed of Trust with Carolyn White, robo-
     signing suspect, for MERS as Assistant Secretary, 22 Jan 2010.

Kamyabi, Bud

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 30
     Dec 2011.
2.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 25
     Jul 2012, signature slightly differs from 1.
3.  Signed as witness to Malik Basurto and Tina LeRaybaud, robo-signing
     suspects, signing Assignment of Mortgage for MERS as Assistant
     Secretaries, 18 May 2011, signature slightly differs from 1 and 2.
4.  Signed as witness to Ricki Aguilar and Jane Martorana, robo-signing
     suspects, signing Assignment of Mortgage for MERS as Assistant
     Secretaries, 7 Jul 2011, signature slightly differs from 2 and 3.
5.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 20
     Jun 2012, signature slightly differs from 3.
6.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 7
     Mar 2013, signature slightly differs from 1, 2, 3, 4, and 5.

Karaszewski, Darleen

1.  Signed Assignment of Mortgage for MERS by Corporate Resolution, 28
     Sep 2007.

Kealy, John

1.  Signed Corrective Assignment of Mortgage for MERS as Assistant
     Secretary, 12 Jul 2012.

Kelley, Christopher

1.  Signed notarization of Assignment of Mortgage New York as Florida
     notary for Joel Pires, robo-signing suspect, signing for Ocwen Loan
     Servicing, LLC as Contract Manager, 25 Jul 2013.
2.  Signed notarization of Assignment of California Deed of Trust as 
     Florida notary for Leticia Arias, robo-signing suspect, signing for 
     MERS as Assistant Secretary, 18 Jun 2013.

Kelso, Michael

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 25
     Jul 2012.

Kenao, Yves

1.  Signed Corporate Assignment of Mortgage for MERS as Assistant
     Secretary 14 Mar 2012.
2.  Signed Corporate Assignment of Mortgage for MERS as Assistant
     Secretary 30 Jun 2016, signature slightly differs from 1.

Kennedy, Danielle

1.  Signed notarization of Assignment of Georgia Security Deed as
     Florida notary for Mari Santiago-Rey, robo-signing suspect, signing
     for MERS as Assistant Secretary, 6 Apr 2015.

Kennedy, Sarah

1.  Signed Assignment of Mortgage for Caliber Home Loans, Inc. as
     Assistant Secretary, 26 Aug 2014.
2.  Signed Assignment of Mortgage for Caliber Home Loans, Inc. as
     Assistant Secretary, 19 Feb 2015, signature differs from 1.
3.  Signed Assignment of Mortgage for Caliber Home Loans, Inc. as
     Assistant Secretary, 5 Sep 2014, signature differs from 1 & 2.
4.  Co-signed Assignment of Security Deed with Michelle Hess,
     robo-signing suspect for Caliber Home Loans, Inc. as Assistant
     Secretary, 15 Jun 2015, signature differs from 1, 2 and 3.

Kennerty, Herman John

1.  Signed Assignment of Mortgage for Wells Fargo Bank, NA as Vice-
     President, 8 Oct 2010.
2.  Signed Assignment of Mortgage for Wells Fargo Bank, NA as Vice-
     President, 10 Aug 2010, signature slightly differs from 1.

Kennerty, John

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 17
     May 2010.

Kerns, Jodi Brown

1.  Signed Assignment of Mortgage for EMC Mortgage Corp. as Senior
     Vice-President, 26 Oct 2007.

Kerr, John

1.  Signed Assignment of Deed of Trust for MERS as Vice-President, 18
     Dec 2010.
2.  Signed Assignment of Mortgage for MERS as Vice-President, 2 Oct
     2007, signature slightly differs from 1.
3.  Signed Assignment of Mortgage for MERS as Vice-President, 10 Jul
     2010, signature slightly differs from 1 and 2.
4.  Co-signed Assignment of Note and Security Deed with Jeffrey
     Stephan, robo-signing suspect, for MERS as Assistant Secretary, 23
     Jul 2010, signature differs from 1, 2 and 3.

Kettle, Karen

1.  Signed Notarial Endorsement and Assignment of Mortgage Note
     Louisiana for Ocwen Federal Bank, FSB as Servicing Officer, 24
     Feb 2003.
2.  Signed Assignment of Mortgage Massachusetts for Ocwen Federal
     Bank, FSB as Servicing Officer, 16 Nov 2001, signature differs
     from 1.
3.  Signed Subordination Agreement for Ocwen Federal Bank, FSB as
     Servicing Officer, 10 Sep 2003, signature differs from 1 and 2.

Killough, S. C.

1.  Signed notarization of Assignment of Louisiana Mortgage as Texas
     notary for M. E. Wileman, robo-signing suspect, signing for Orion
     Financial Group, Inc. as President, 19 Jun 2006.

King, April

1.  Signed Corrective Assignment of Mortgage for MERS as Assistant
     Secretary, 22 Aug 2011.

Kingston, Pat

1.  Co-signed Assignment of Deed of Trust with Linda Green, robo-
     signing suspect, for EMC Mortgage Corp. as Vice-President, 7 Aug
     2008.

Kinnunen, Sandra Jean

1.  Signed notarization of Assignment of Ohio Mortgage as Minnesota
     notary for Mary Xiong, signing for MERS as Assistant Secretary, 22
     Aug 2012.
2.  Signed Assignment of Mortgage for MERS as Assistant Vice-
     President, 5 Oct 2012, signature differs from 1.

Kinser, Wanda Inez

1.  Signed notarization of New York Assignment of Mortgage as
     Louisiana notary for Danielle Wroten, signing for JP Morgan Chase
     Bank, NA as Vice-President, 18 Nov 2014, cited for her
     involvement in robo-signing in the Report on the Comprehensive
     Forensic Examination of the Real Property Records of Osceola
     County FL.

Kirkpatrick, Dennis

1.  Co-signed Assignment of Note and Mortgage with Erica Johnson-
     Seck, robo-signing suspect for IndyMac Federal Bank, FSB as
     Attorney-in-Fact, 7 Oct 2009.

Kist, Mary

1.  Co-signed Assignment of Mortgage with Serena Harman, robo-
     signing suspect, for MERS as Vice-President, 5 Aug 2009.

Klohn, Crystal

1.  Signed notarization of Assignment of Ohio Mortgage as Oklahoma
     notary for Jeri Bassett, signing for MERS as Vice-President, 28 Oct
     2010.

Knisley, Nicole

1.  Signed notarization of Assignment of Florida Mortgage as Ohio
     notary for Cindy Smith, robo-signing suspect, signing for Chase
     Bank USA, NA as Assistant Secretary, 23 Dec 2008.

Knowles, Rita

1.  Co-signed Assignment of Mortgage with Jessica Ohde for MERS as
     Assistant Secretary, 30 Nov 2009.

Knox, Cecilia

1.  Signed Assignment of Mortgage for MERS as Vice-President 13 May
     2008.

Knox, Shaquita

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary,
     20 Dec 2012; cited for her involvement in robo-signing in the 
     Report on the Comprehensive Forensic Examination of the Real
     Property Records of Osceola County FL.

Koch, Bill

1.  Signed Corporate Assignment of Deed of Trust for Select Portfolio
     Servicing, Inc. as Document Control Officer, 3 Mar 2009.
2.  Signed Corporate Assignment of Deed of Trust for Select Portfolio
     Servicing, Inc. as Document Control Officer, 12 Feb 2015,
     signature differs from 1.

Koch, Michael

1.  Signed endorsement for Fremont Investment & Loan as Vice-
     President.

Koopman, Marcy Kay

1.  Signed Assignment of Mortgage for Indecomm Global Services as
     Assistant Secretary, 15 Apr 2014.
2.  Signed Assignment of Deed of Trust for GMAC Mortgage, LLC as 
     Assistant Secretary, 20 May 2013.
3.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 19
     Mar 2013.

Krakoviak, Kim

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 22
     Oct 2010.

Kucherka, James

1.  Signed Assignment of Mortgage for ABN Amro Mortgage Group, Inc.
     as Vice-President, 21 August 2007.

Kuhn, Shelley

1.  Signed notarization of Florida Assignment of Mortgage as Texas
     notary for Lee Gates, signing for MERS as Assistant Secretary, 1
     Oct 2012.

Kurel, Kenneth

1.  Signed Assignment of Mortgage for MERS as Vice-President, 11 Nov
     2010.

Kurzhal, Donna Sue

1.  Signed Assignment of Mortgage for Ocwen Loan Servicing, LLC as 
     Assistant Secretary, 5 Aug 2015.

Kusich, Bryan

1.  Signed Substitution of Trustee for US Bank, NA, 17 Jul 2006.
2.  Signed Assignment of Mortgage for Home Loan Services, Inc. as Vice-
     President, 4 Aug 2010.

Lacey, Roy

1.  Signed endorsement for Caliber Home Loans, Inc. as Authorized
     Signatory.
2.  Signed Assignment of Mortgage for Caliber Home Loans, Inc. as
     Authorized Signatory, 21 Nov 2013, signature slightly differs from 1.
3.  Signed Assignment of Mortgage for Caliber Home Loans, Inc. as
     Authorized Signatory, 9 Jan 2014, signature differs from 1 and 2.
4.  Signed endorsement for Caliber Home Loans, Inc. as Authorized
     Signatory, signature slightly differs from 3.
5.  Signed endorsement for Caliber Home Loans, Inc. as Authorized
     Signatory, signature slightly differs from 2, 3 and 4.

Lagarile, Carmela

1.  Signed notarization of Assignment of New Hampshire Mortgage as
     Minnesota notary for Liquenda Allotey, robo-signing suspect, signing
     for MERS as Vice-President, 22 Dec 2009.
2.  Signed notarization of Assignment of Florida Mortgage as Minnesota
     notary for Liquenda Allotey, robo-signing suspect, signing for MERS
     as Vice-President, 19 Aug 2008.

Lancaster, Sandra

1.  Signed Corporate Assignment of Deed of Trust for MERS as Vice-
     President, 5 Apr 2012.

Langlois, Priscilla

1.  Signed as witness to Karen Kettle, robo-signing suspect, signing
     Notarial Endorsement and Assignment of Mortgage Note Louisiana
     for Ocwen Federal Bank, FSB as Servicing Officer, 24 Feb 2003.

Lantry, Dana

1.  Signed endorsement for People's Choice Home Loan, Inc. as Assistant
     Vice-President, signature differs with the one on this document.

Larkin, Cheryl

1.  Signed notarization of Assignment of New York Mortgage for Ronald
     Zackem, robo-signing suspect, signing for MERS as Assistant
     Secretary
     and Vice-President, 20 Apr 2009.
2.  Signed notarization of Assignment of New York Mortgage for Elpiniki
     Bechakas, robo-signing suspect, signing for MERS as Assistant
     Secretary and Vice-President, 26 Mar 2009.

Larsen, John

1.  Signed Corporate Assignment of Mortgage for MERS as Assistant
     Secretary, 19 Mar 2012.

Lashley, Regina

1.  Signed Notarial Endorsement and Assignment of Mortgage Note and
     Mortgage for Harbourton Funding Corp. as Vice-President, 27 Jan
     1997.
2.  Signed endorsement for Aurora Loan Services, LLC as Senior Vice-
     President.
3.  Signed Coporate Assignment of Deed of Trust for MERS as Vice-
     President, 18 Oct 2011.
4.  Signed Assignment of Deed of Trust for Nationstar Mortgage, LLC as
     Senior Vice-President, 18 Mar 2013.

Lassley, Jordan Scott

1.  Signed notarization of Appointment of Substitute Trustees
     (Maryland) for Cynthia Wallace, robo-signing suspect, signing for
     Specialized Loan Servicing, LLC as Second Assistant Vice-President,
     13 Jun 2016.

Lau, Wendy

1.  Signed notarization of Assignment of Florida Mortgage as California
     notary for Debbie Nieblas and Srbui Muradyan, robo-signing suspects,
     signing for MERS as Vice-Presidents, 16 Aug 2011.

Layton, Derrick

1.  Signed as attestor to Dawn Ward, signing Assignment of Mortgage
     for Wells Fargo Bank, NA as Vice-President, 11 Apr 2007.
2.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 23
     Feb 2007.

Lazzara, Troy

1.  Signed as witness to Erica Johnson-Seck and Eric Friedman, robo-
     signing suspects, signing Assignment of Mortgage for MERS as Vice-
     President and Senior Vice-President, respectively, 14 Nov 2008.

Lazzara, Troy Stephen

1.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for JC San Pedro, robo-signing suspect, signing for MERS,
     16 Nov 2009.

Le Fors, Tannis Lee

1.  Signed notarization of Corporate Assignment of Florida Mortgage as
     Oregon notary for Justin Rauh, robo-signing suspect, signing for
     MERS as Assistant Secretary, 3 Dec 2010.

Leary, Suzanne

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 21
     May 2010.

Ledezma, Christopher

1.  Signed as witness to Tamara Price, robo-signing suspect, signing
     Rescission of Assignment of Security Deed for MERS as Assistant
     Secretary, 19 Oct 2016.

Lee, Debbie

1.  Signed as witness to Dawn Reynolds, robo-signing suspect and Maria
     Barajas, signing Assignment of Deed to Secure Debt for Citi
     Residential Lending, Inc. as Authorized Agents, 9 Jan 2009.

Lee, Serena

1.  Signed Affidavit of Lost Note for JP Morgan Chase Bank, NA as Vice-
     President, 5 Jul 2013.

Lee, Stephen

1.  Signed notarization of Assignment of Florida Mortgage for Christina
     Carter, robo-signing suspect, signing for MERS as Vice-President, 24
     Mar 2011.

Leon, Sardy

1.  Signed as witness to Bill Koch, robo-signing suspect, signing
     Assignment of Mortgage for Select Portfolio Servicing, Inc. as 
     Document Control Officer, 21 Apr 2015.

Leonard, Lynn

1.  Signed endorsement for SouthStar Funding, LLC as Assistant Vice-
     President.
2.  Signed endorsement for SouthStar Funding, LLC as Assistant Vice-
     President, signature differs from 1.

LeRaybaud, Tina

1. Co-signed Assignment of Mortgage with Malik Basurto, robo-signing
    suspect, for MERS as Assistant Secretary, 18 May 2011.
2. Signed Assignment of Deed of Trust for MERS as Assistant Secretary,
    13 Sep 2011, signature differs from 1.
3. Signed as witness to Bud Kamyabi and Luis Roldan, robo-signing
    suspects, signing Assignment of Mortgage for MERS as Assistant
    Secretaries, 23 Sep 2011, signature differs from 1 and 2.
4. Signed Assignment of Mortgage for MERS as Assistant Secretary, 28
    Sep 2011, signature differs from 1, 2 and 3.
5. Signed as witness to Miguel Romeo and Yomari Quintanilla, robo-
    signing suspects, signing for MERS as Vice-Presidents, 29 Aug 2011,
    signature differs from 1, 2, 3 and 4. 

Leuridan, Carmela

1.  Co-signed as witness to Edward Gallegos and Amanda Stackhouse,
     robo-signing suspects, signing Assignment of Mortgage for MERS as
     Assistant Secretaries, 21 Dec 2012.

Levings, Chester

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 12
     Sep 2011.
2.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 28
     Nov 2011.
3.  Co-signed as witness with Dominique Johnson, robo-signing suspect
     for Jane Martorana and Cynthia Santos, robo-signing suspects
     signing Assignment of Security Deed for MERS, 4 Oct 2011.

Lewis, Marjorie

1.  Signed notarization of Assignment of New York Mortgage for Elpiniki
     Bechakas, robo-signing suspect, signing for MERS as Assistant
     Secretary and Vice-President, 16 Jun 2009.

Lindhorst, Susan

1.  Signed as witness to Regina Garcia, robo-signing suspect, signing
     Corporate Assignment of Mortgage for MERS as Vice-President, 9 Apr
     2009.
2.  Signed as witness to Joann Rein, robo-signing suspect, signing
     Corporate Assignment of Mortgage for MERS as Vice-President, 1 May
     2009.
3.  Signed Corporate Assignment of Deed of Trust for Nationstar
     Mortgage, LLC as Assistant Secretary, 2 May 2014, signature differs
     from 1 and 2.
4.  Signed Assignment of Mortgage for Nationstar Mortgage, LLC as
     Assistant Secretary, 26 Sep 2013, signature differs from 1, 2 and 3.
5.  Signed Assignment of Mortgage for Nationstar Mortgage, LLC as
     Assistant Secretary, 19 Sep 2013, signature differs from 1, 2, 3 and
     4.
6.  Signed Corporate Assignment of Deed of Trust for Nationstar
     Mortgage, LLC as Assistant Secretary, 3 Jun 2014.

Llanos, L.A.

1.  Signed notarization of Assignment of Pennsylvania Mortgage as
     California notary for Cecilia Rodriguez, robo-signing suspect, signing
     for MERS as Assistant Secretary, 22 Sep 2013.
2.  Signed notarization of Assignment of Florida Mortgage as California
     notary for Rene Rosales, robo-signing suspect, signing for MERS as
     Assistant Secretary, 11 Jun 2007, signature differs from 1.
3.  Signed notarization of Assignment of Illinois Mortgage as California
     notary for Cecilia Rodriguez, robo-signing suspect, signing for MERS
     as Assistant Secretary, 29 Aug 2011, signature differs from 1.
4.  Signed notarization of Assignment of New Jersey Mortgage as
     California notary for Srbui Muradyan, robo-signing suspect, signing
     for MERS as Assistant Secretary, 13 Sep 2011, signature differs from 
     1 and 2.

Logan, John

1.  Signed Corporate Assignment of Mortgage for Residential Funding
     Co., LLC as Assistant Secretary 23 Aug 2012.

Lombrano, Barbara Joyce

1.  Signed notarization of Assignment of New York Mortgage as
     California notary for Jane Martorana, robo-signing suspect, signing
     for MERS as Assistant Secretary, 24 Sep 2012.

Loomis, Kelly

1.  Signed as witness to Sandra Williams, robo-signing suspect, signing
     Assignment of Mortgage for MERS as Assistant Vice-President, 5 Jan
     2010.

Lopez, Laurent

1.  Signed as witness to Tamara Price, robo-signing suspect, signing
     Rescission of Assignment of Security Deed for MERS as Assistant
     Secretary, 19 Oct 2016.

Loukotka, Jonathan

1.  Signed endorsement for AmSouth Bank as Vice-President.

Love, Topako

1.  Signed Assignment of Deed of Trust for MERS as Assistant Secretary,
     16 Feb 2009.

Lu, Julie

1.  Signed notarization of Loan Modification Agreement (Florida) as
     Texas notary for Kimble Monroe, robo-signing suspect, signing for
     Stewart Lender Services, Inc. as Assistant Vice-President, 18 Sep
     2012.
2.  Signed notarization of Loan Modification Agreement (Florida) as
     Texas notary for Kimble Monroe, robo-signing suspect, signing for
     MERS as Vice-President, 18 Sep 2012.

Lucas, Aleighse

1.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for David Rodriguez, robo-signing suspect, signing for MERS
     as Assistant Secretary, 12 Oct 2011.

Luecke, Dennis

1.  Signed notarization of Assignment of Florida Mortgage as Missouri
     notary for Aaron Menne, robo-signer suspect, signing for MERS as
     Vice-President, 30 Sep 2009.
2.  Signed notarization of Assignment of Georgia Security Deed as
     Missouri notary for Aaron Menne and Nate Blackstun, robo-signing
     suspect, signing for MERS as Vice-Presidents, 9 Apr 2010.

Lundberg, Camille

1.  Signed as witness to Natasha Clark, robo-signing suspect, signing
     Assignment of Mortgage for Wells Fargo Bank, NA as Vice-President,
     22 Oct 2008.

Lyman, Debra

1.  Signed Loan Modification Agreement for MERS as Assistant Secretary,
     6 Oct 2008.

Lynch, Mary

1.  Signed notrization of Assignment of California Deed of Trust as
     Pennsylvania notary for John Kerr, robo-signing suspect, signing for
     MERS as Vice-President, 18 Dec 2010.
2.  Signed notrization of Assignment of New York Mortgage as
     Pennsylvania notary for John Kerr, robo-signing suspect, signing for
     MERS as Vice-President, 2 Oct 2007.

Lynn, K M

1.  Signed notarization of New York Mortgage as Texas notary for M.
     Arndt, robo-signing suspect, signing for CitiMortgage, Inc. as
     Authorized Signatory, 9 Sep 2011.

Madeja, Nancy

1.  Signed notarization of Assignment of Florida Mortgage as
     Pennsylvania notary for Eileen Gonzales, robo-signing suspect,
     signing for MERS as Assistant Vice-President, 1 Jul 2008.
2.  Signed notarization of Corporate Assignment of New Jersey Mortgage
     as Pennsylvania notary for Eileen J. Gonzales, robo-signing suspect,
     signing for First Franklin Financial Corp. as Assistant Vice-President,
     3 Mar 2008.

Magana, Mayra

1.  Signed notarization of Assignment of New York Mortgage for Elpiniki
     Bechakas, robo-signing suspect, signing for MERS as Assistant
     Secretary and Vice-President, 23 Nov 2009.

Magyar, Kevin

1.  Signed as witness to Karen Kettle, robo-signing suspect, signing
     Assignment of Mortgage Massachusetts for Ocwen Federal Bank, FSB
     as Servicing Officer, 16 Nov 2001.

Mahon, Cody

1.  Co-signed Assignment of Mortgage with Melissa Viveros for MERS as
     Vice-President, 19 Jul 2010.
2.  Signed as attestor to Aaron Formby, signing Assignment of Mortgage
     for MERS as Vice-President, 3 Apr 2010.

Mahoney, Caroline

1.  Signed notarization of New York Assignment of Mortgage as
     Louisiana notary for Kayla Krug, signing for JP Morgan Chase Bank,
     NA as Vice-President, 6 Feb 2014.

Malaquias, Lorena

1.  Signed Assignment of Deed of Trust for MERS as Assistant Secretary,
     26 Aug 2011.

Marcha, Amber

1.  Signed notarization of Georgia Assignment of Security Deed for
     Kendra Cook, robo-signing suspect, signing for Caliber Home Loans,
     Inc. as Vice-President, 1 Mar 2017.

Marcum, M. L.

1.  Signed Corporation Assignment of Deed of Trust for First Franklin, a
     division of National City Bank of Indiana as Vice-President, 29 Oct
     2005.
2.  Co-signed Assignment of Real Estate Mortgage with Sandy Brough for
     First Franklin, a division of National City Bank of Indiana as
     Secretary, 31 May 2005, signature slightly differs from 1.
3.  Signed Assignment of Real Estate Mortgage for First Franklin, a
     division of National City Bank of Indiana as Vice-President, 8 Feb
     2006, signature slightly differs from 2.
4.  Co-signed Assignment of Real Estate Mortgage with Joan Cook for
     First Franklin, a division of National City Bank of Indiana as Vice-
     President, 2 Dec 2005, signature slightly differs from 1, 2 and 3.

Margetic, Samir

1.  Signed Corporate Assignment of Mortgage for Ocwen Loan Servicing,
     LLC as Authorized Signer, 2 Jun 2014.

Marquez, Raymond

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 5
     Oct 2012.
2.  Co-signed with Trisha Jackson, robo-signing suspect, as witness to
     Lisa Nix, robo-signing suspect, signing Assignment of Mortgage for
     MERS as Assistant Secretary, 1 Jun 2012.

Marsh, Matthew Robert

1.  Signed Assignment of Mortgage for Indecomm Global Services as
     Assistant Secretary, 30 Jul 2014.
2.  Signed Assignment of Mortgage for Indecomm Global Services as
     Assistant Secretary, 28 May 2014, signature differs from 1.

Martin, Lauren

1.  Co-signed as witness to Christina Carter, robo-signing suspect,
     signing Assignment of Mortgage for MERS as Vice-President, 24 Mar
     2011.

Martinez, Kim

1.  Co-signed Assignment with Carolyn White, robo-signing suspect, as
     Assistant Vice-President for Sand Canyon Corp., 14 Mar 2011. 

Martinez, Sandra

1.  Signed notarization of Assignment of Ohio Mortgage as Texas notary
     for Melissa Viveros and Cody Mahon, robo-signing suspects, signing
     for MERS as Vice-Presidents, 19 Jul 2010.

Martinez, Yamali

1.  Signed Assignment of Mortgage Ohio for MERS as Assistant Secretary,
     23 Aug 2012.
2.  Signed Assignment of Deed of Trust Maryland for MERS as Assistant
     Secretary, 15 May 2012, signature slightly differs from 1.
3.  Signed Assignment of Mississippi Deed of Trust for MERS as Vice-
     President, 22 May 2012.
4.  Signed Assignment of Deed of Trust Arizona for MERS as Assistant
     Secretary, 12 May 2012.

Martorana, Jane

1.  Co-signed Assignment of Mortgage with Ricki Aguilar for MERS as
     Assistant Secretary, 7 Jul 2011.
2.  Signed as witness to Yomari Quintanilla and Swarupa Slee, robo-
     signing suspects, signing Assignment of Mortgage for MERS as
     Assistant Secretaries, 26 May 2011.
3.  Co-signed Assignment of Mortgage with Miguel Romero for MERS as
     Assistant Secretary, 27 Mar 2012, signature differs from 1 and 2.
4.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 24
     Sep 2012, signature differs from 1, 2 and 3.
5.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 1
     Aug 2012, signature differs from 1, 2, 3 and 4.
6.  Signed Assignment of Deed of Trust for MERS as Assistant Secretary,
     3 Apr 2012, signature differs from 1, 2, 3, 4 and 5.

Marvel, Denise

1.  Signed as attestor to Scott Anderson, robo-signing suspect, signing
     Assignment of Security Deed for Ocwen Loan Servicing, LLC as Senior
     Vice-President, 27 Feb 2009.

Marzouk, Sam

1.  Signed endorsement for Argent Mortgage Co., LLC as President.
2.  Signed endorsement for Argent Mortgage Co., LLC as President,
     signature appears exactly the same as 1 which indicates that the
     two signatures were introduced onto the page with the use of an 
     imaging or similar software instead of being set by hand.

Mastrolonardo, J.

1.  Signed notarization of Assignment of New Jersey Mortgage as
     California notary for Bud Kamyabi, robo-signing suspect, signing for
     MERS as Assistant Secretary, 7 Mar 2013.

Mathews, Robin

1.  Signed Assignment of Deed of Trust for MERS as Assistant Secretary,
     5 Feb 2013.

Mathis, Elizabeth

1.  Signed Assignment of Mortgage for Wells Fargo Bank, NA as Vice-
     President, 9 Sep 2008.
2.  Signed Assignment of Mortgage for US Bank, NA as Vice-President,
     13 May 2009.

Matthews, Christina

1.  Signed as witness to Abigail Roe, robo-signing suspect, signing
     Assignment of Mortgage for Ever Bank as Vice-President, 30 May
     2012.

Matthews, M.

1.  Signed Assignment of Mortgage for CitiMortgage, Inc. as Vice-
     President, 5 Jan 2012.

Maughan, Jon

1.  Signed as witness to Krystal Hall, robo-signing suspect, signing
     Assignment of Real Estate Mortgage for First Franklin Financial Corp.
     as Assistant Secretary, 2 Dec 2008.

Maxey, Meghan

1.  Signed Assignment of Mortgage for JP Morgan Chase Bank, NA as
     Vice-President, 25 May 2010.

Mayfield, Angelo

1.  Signed notarization of Appointment and Substitution of Trustee for
     North Carolina Deed of Trust as Texas notary for Regina Alexander,
     robo-signing suspect, signing for Saxon Mortgage Services, Inc. as
     Assistant Vice-President, 12 Oct 2010.

Mayfield, Shannon

1.  Signed Assignment of Mortgage for Bank of America, NA as Assistant
     Vice-President, 3 Apr 2014.
2.  Signed noratization of Assignment of New York Mortgage as
     California notary for Yong Ly, signing for Bank of America, NA as
     Assistant Vice-President, 17 Sep 2014, signature slightly differs from
     1.
3.  Signed notarization of Assignment of Illinois Mortgage as California
     notary for Yong Ly, signing for Bank of America, NA as Assistant
     Vice-President, 9 Sep 2014, signature slightly differs from 1.
4.  Signed Corporate Assignment of Deed of Trust for MERS as Assistant
     Secretary, 13 May 2014, signature slightly differs from 1, 2 and 3.

Mazahri, Tina

1.  Signed notarization of Assignment of New Jersey Mortgage as
     California notary for Srbui Muradyan, robo-signing suspect, signing
     for MERS as Assistant Secretary, 19 Mar 2012.
2.  Signed notarization of Assignment of California Deed of Trust for
     Srbui Muradyan, robo-signing suspect, signing for MERS as Assistant
     Secretary, 11 Jul 2012.
3.  Signed notarization of Assignment of Florida Mortgage as California
     notary for Srbui Muradyan and Luis Roldan, robo-signing suspects,
     signing for MERS as Assistant Secretaries, 17 Sep 2012.

McAdams, Karen

1.  Signed notarization of Assignment of New York Mortgage as
     Louisiana notary for Vernita Causey, robo-signing suspect, signing
     for MERS as Vice-President, 18 Apr 2012.

McAninch, Regina

1.  Signed notarization of Assignment of New York Mortgage as Texas
     notary for Tiaquanda Turner, robo-signing suspect, signing for MERS
     as Assistant Vice-President, 22 Feb 2010.
2.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for Jill Balentine, signing for MERS as Senior Vice-President,
     18 Jul 2007, signature differs from 1.

McBride, Alex

1.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for Erica Johnson-Seck, robo-signing suspect, signing for
     IndyMac Bank, FSB as Attorney-in-Fact, 16 Nov 2009.
2.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for JC San Pedro, robo-signing suspect, signing for MERS as
     authorized signatory, 18 Dec 2009.

McClinton, Joshua

1.  Signed New York Assignment of Mortgage for JP Morgan Chase Bank,
     NA as Vice-President, 6 Aug 2013.
2.  Signed New Jersey Assignment of Mortgage for JP Morgan Chase
     Bank, NA as Vice-President, 6 Jun 2014, signature slightly differs
     from 1.

McCloskey, Mark Alan

1.  Signed Assignment of Deed of Trust for MERS as Vice-President, 21
     Oct 2015, signature differs from signature on Appointment of 
     Substitute Trustee on this link, signing for Specialized Loan
     Servicing, LLC as Assistant Vice-President, 28 Aug 2013.

McCluskey, Shana

1.  Signed notarization of Assignment of New York Mortgage as Michigan
     notary for Darry Williams, robo-signing suspect, signing for MERS as
     Vice-President, 8 Mar 2007.

McCormack, Patricia

1.  Signed notarization of Assignment of California Deed of Trust as
     Florida notary for Joseph Kaminski and Carolyn White, robo-
     signing suspects, signing for MERS as Assistant Secretary and

     Assistant Vice-President, respectively, 22 Jan 2010.

McKernan, Ami

1.  Signed California Declaration of Compliance for Specialized Loan
     Servicing, LLC as Second Vice-President, 3 Nov 2014.

McKinnon, Elsa

1.  Signed notarization of Assignment of New York Mortgage as Florida
     notary for Bryan Bly as Vice-President and Mary Sarmiento, robo-
     signing suspects, signing for JP Morgan Chase Bank, NA, 17 Nov
     2010.

McKinzy, Brenda

1.  Signed notarization of Assignment of Ohio Mortgage as Texas notary
     for Marti Noriega, robo-signing suspect, signing for MERS as Vice-
     President, 9 Apr 2007, signature has middle initial, unlike 2.
2.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for Marti Noriega and Denise Bailey, robo-signing suspects,
     signing for MERS as Vice-President and Assistant Secretary,
     respectively, 22 Dec 2008, signature has no middle initial, unlike 1.

McMahan, Ron

1.  Signed endorsement for American Mortgage Investment Partners
     Management, LLC as Chief Executive Officer.
2.  Signed Verified Complaint for American Mortgage Investment
     Partners Management, LLC (position not indicated), 28 Nov 2016,
     signature differs slightly from 1.
3.  Signed Certification for American Mortgage Investment Partners
     Management, LLC (position not indicated), 28 Nov 2016, signature
     differs from 1 and 2.
4.  Signed Grantor Trust Agreement for Residential Credit Opportunities
     III, LLC as Chief Executive Officer, signature differs from 1 and 2.

Meder, Laurie

1.  Signed endorsement for Countrywide Bank, NA as Senior Vice-
     President, signature appears to have been stamped on the
     document.
2.  Signed endorsement for Countrywide Bank, NA as Senior Vice-
     President, signature does not appear to have the features of 1.
3.  Signed endorsement for Countrywide Document Custody Services, a
     division of Treasury Bank, NA as Vice-President, signature differs
     from 1 and 2.
4.  Signed endorsement for Countrywide Bank, FSB as Senior Vice-
     President, signature appears to be unusually too small to have been
     actually set by hand indicating that it had been introduced onto the
     document by means of an imaging or similar software.
5.  Signed endorsement for Countrywide Document Custody, Services, a
     division of Treasury Bank, NA as Vice-President, signature appears
     similar to 3.
6.  Signed endorsement for Countrywide Bank, NA as Senior Vice-
     President, signature appears exactly the same as 2.

Menne, Aaron

1.  Signed Assignment of Mortgage for MERS as Vice-President, 30 Sep
     2009.
2.  Co-signed Assignment of Security Deed with Nate Blackstun for MERS
     as Vice-President, 9 Apr 2010, signature slightly differs from 1.

Mercado, K.

1.  Signed notarization of Assignment of California Deed of Trust for Flor
     Valerio, robo-signing suspect, signing for MERS as Assistant
     Secretary, 1 Jun 2011.
2.  Signed notarization of Corporate Assignment of California Deed of
     Trust for Kevin Rudolph, robo-signing suspect, signing for MERS as
     Assistant Secretary, 29 Apr 2011.

Metcalf, Valencia

1.  Signed notarization of Assignment of New York Mortgage as Texas
     notary for Justin Moon, robo-signing suspect, signing for Nationstar
     Mortgage, LLC as Vice-President, 25 Feb 2015.

Michaud, Bonnie

1.  Signed notarization of Assignment of Pennsylvania Mortgage as
     California notary for Valerie White, robo-signing suspect, signing for
     MERS as Assistant Secretary, 10 Apr 2012.
2.  Signed notarization of Corporation Assignment of New York Mortgage
     as California notary for Valerie White, robo-signing suspect, signing
     for Bank of America, NA as Assistant Vice-President, 9 Aug 2012.

Millett, Darryl

1.  Signed Certificate of Possession (of note) for Ocwen Loan Servicing,
     LLC as Contract Management Specialist, 3 Jun 2014.

Mills, Joan

1.  Signed endorsement for Wells Fargo Bank, NA as Vice-President.
2.  Signed endorsement for Wells Fargo Bank, NA as Vice-President,
     signature appears exactly the same as 1 but is positioned differently
     from the text of the endorsement.
3.  Signed endorsement for Wells Fargo Bank, NA as Vice-President, 
     signature appears exactly the same as 1 including its positioning 
     with the text of the endorsement which indicates that the signature
     was introduced onto the page with the use of an imaging or similar
     software instead of having been set by hand.

Miralles, Diana

1.  Signed notarization of Florida Assignment of Mortgage as Texas
     notary for Wendy Traxler, robo-signing suspect, signing for MERS as
     Assistant Secretary, 29 Jun 2013.
2.  Signed notarization of Florida Assignment of Mortgage as Texas
     notary for Wendy Traxler, robo-signing suspect, signing for MERS as
     Assistant Secretary, 14 May 2012.
3.  Signed as witness to Gladys Panameno, signing Assignment of
     Mortgage for OneWest Bank, FSB as Assistant Secretary, 3 Jul 2012.

Mitchell, Adrienne

1.  Co-signed as witness to Greg Allen, robo-signing suspect, signing 
     Assignment of Mortgage for MERS as Vice-President, 23 Jan 2009.

Mitchell, Thomas

1.  Signed endorsement for GreenPoint Mortgage Funding, Inc. as Vice-
     President.

Monroe, Kimble

1.  Signed Loan Modification Agreement for Stewart Lender Services,
     Inc. as Assistant Vice-President, 18 Sep 2012.
2.  Signed the same agreement as in 1. as Vice-President for MERS.

Montealegre, A.

1.  Signed notarization of Corporation Assignment of California Deed of
     Trust for Renee Friedman, robo-signing suspect, signing for Bank of
     America, NA as Assistant Vice-President, 17 Nov 2011.

Montealegre, Ann

1.  Signed notarization of Corporation Assignment of California Deed of
     Trust for T. Sevillano, robo-signing suspect, signing for Argent
     Mortgage Co., LLC as Assistant Vice-President, 10 Aug 2011.

Moon, Justin

1.  Signed Corporate Assignment of Mortgage for MERS as Assistant
     Secretary, 28 Nov 2014.
2.  Signed Assignment of Mortgage for Nationstar Mortgage, LLC as 
     Assistant Secretary 25 Feb 2015, signature differs from 1.

Moore, Crystal

1.  Signed Assignment of Mortgage for Citi Residential Lending, Inc. as 
     Vice-President, 13 Jan 2009.
2.  Signed Assignment of Mortgage for First Horizon Home Loans as
     Limited Vice-President, 17 Jan 2008.
3.  Signed notarization of Assignment of Florida Mortgage for Bryan Bly, 
     robo-signing suspect, signing for the Federal Deposit Insurance Corp.
     as Attorney-in-Fact, 21 Jan 2010, signature differs from 1 and 2.
4.  Signed Assignment of Mortgage for JP Morgan Chase Bank, NA as 
     Vice-President, 20 Jul 2010, signature differs from all of the above.
5.  Signed Assignment of Mortgage for JP Morgan Chase Bank, NA as
     Vice-President, 29 Jul 2010, signature differs from all of the above.

Morales, Michele

1.  Signed endorsement for EMax Financial Group, LLC as Manager.
2.  Signed endorsement for EMax Financial Group, LLC as Manager,
     signature differs from 1.
3.  Signed endorsement for EMax Financial Group, LLC as Manager,
     signature appears exactly the same as 1 but differs markedly from
     2.

Morales, Noemi

1.  Signed notarization of Notarial Endorsement and Assignment of
     Mortgage Note Louisiana as Florida notary for Karen Kettle, robo-
     signing suspect, signing for Ocwen Federal Bank, FSB as Servicing
     Officer, 24 Feb 2003.
2.  Signed oath of office in Notary Public Commission Application for the
     state of Florida as applicant, 11 Aug 2009, signature differs from 1. 
3.  Signed notarization of Assignment of Mortgage Florida for Scott
     Anderson, robo-signing suspect, signing for Ocwen Loan Servicing,
     LLC as Senior Vice-President, 5 Sep 2008, signature differs from 1
     and 2.
4.  Signed Mississippi Assignment of Deed of Trust for MERS as Vice-
     President, 12 Nov 2012, signature differs with 1, 2 and 3.

Morcan, Liliana

1.  Signed notarization of Assignment of Note and Mortgage Ohio as
     Texas notary for David Perez and Sandra Williams, robo-signing
     suspects, signing for First Franklin Financial Corp. as Assistant Vice-
     Presidents, 11 Dec 2009.
2.  Signed notarization of Assignment of New Jersey Mortgage as Texas
     notary for Renee Hertzler and Ken Satsky, robo-signing suspects,
     signing for MERS as Vice-President and Assistant Vice-President,
     respectively, 11 Dec 2009.

Moreland, Cindy

1.  Signed notarization of Notice of Substitution of Trustee for Arizona
     Deed of Trust as Texas notary for Chet Sconyers, signing for MERS as
     Certifying Officer, 8 Jan 2009.

Moreland, Treva

1.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 11
     Jun 2008.
2.  Signed Corporate Assignment of Mortgage for IBM Lender Business
     Process Services, Inc. as Collateral Control Team Lead, 1 Aug 2010,
     signature slightly differs from 1.

Morell, Lorna

1.  Signed notarization of Assignment of Florida Mortgage as Texas
     notary for J. C. San Pedro, robo-signing suspect, signing for MERS as
     Authorized Signatory, 30 Sep 2009.

Morgan, Sharon

1.  Signed Assignment of Mortgage for MERS as Vice-President, 4 Jan
     2011.

Morris, James

1.  Signed notarization of Assignment of New York Mortgage as
     Minnesota notary for Liquenda Allotey, robo-signing suspect, signing
     for SMI Mortgage as Vice-President, 29 Oct 2007.
2.  Signed notarization of Assignment of New York Mortgage as
     Minnesota notary for Cecilia Knox, robo-signing suspect, signing for
     MERS as Vice-President, 13 May 2008, signature differs from 1.
3.  Signed notarization of Assignment of New York Mortgage as
     Minnesota notary for Christina Allen, robo-signing suspect, signing
     for Option One Mortgage Corp. as Vice-President, 30 Jan 2008,
     signature differs from 1 and 2.
4.  Signed notarization of Assignment of Florida Mortgage as Minnesota
     notary for Amy Weis, signing for Washington Mutual Bank as
     Assistant Vice-President, 11 May 2007, signature differs from 1, 2 &
     3.

Morris, Kyle

1. Signed as witness to Charles L. Edmonson, robo-signing suspect,
    signing Assignment of Mortgage for Citi Home Mortgage Services, Inc.
    as Assistant Secretary, 3 Jun 2013.

Morris, Nancy

1.  Signed notarization of Assignment of New York Mortgage as New
     Jersey notary for Jennifer Dobron, robo-signing suspect, signing for
     MERS as Assistant Secretary, 24 Oct 2012.

Morse, Carmen

1.  Signed notarization of Assignment of Texas Deed of Trust as
     California notary for Beverly Brooks, robo-signing suspect, signing
     for MERS as Assistant Secretary, 24 Jul 2013.

Morse, Christy

1.  Signed notarization of Assignment of Iowa Mortgage as California
     notary for Luis Roldan, robo-signing suspect, signing for MERS as
     Assistant Secretary, 27 Jun 2012.
2.  Signed notarization of Assignment of Deed of Trust as California
     notary for Rene Rosales, robo-signing suspect, signing for MERS as
     Assistant Secretary 7 Feb 2012.

Moskowitz, Stan

1.  Signed endorsement for Freedom Mortgage Corp. as Treasurer.
2.  Signed endorsement for Freedom Mortgage Corp. as Treasurer/Chief
     Financial Officer, signature differs from 1.

Moua, Nhia

1.  Signed as witness to Matthew Robert Marsh, robo-signing suspect, 
     signing Assignment of Mortgage for Indecomm Global Services as
     Assistant Secretary 30 Jul 2014.

Moua, Nhia Indiati

1.  Signed Corrective Assignment of Mortgage for Indecomm Global
     Services as Assistant Secretary, 8 Jul 2014; cited for her
     involvement in robo-signing in the Report on the Comprehensive
     Forensic Examination of the Real Property Records of Osceola
     County FL.

Moua, Shoua

1.  Signed notarization of Assignment of New York Mortgage as
     Minnesota notary for signer whose name on the document is
     illegible, signing for Option One Mortgage Corp. as Assistant
     Secretary, 29 Jan 2008.
2.  Signed notarization of Assignment of Florida Mortgage as Minnesota
     notary for Laura Hescott, robo-signing suspect, signing for MERS as
     Vice-President, 22 Feb 2008.
3.  Signed notarization of Assignment of Florida Mortgage as Minnesota
     notary for Greg Allen, robo-signing suspect, signing for MERS as Vice-
     President, 23 Jan 2009.

Multer, Sheila

1.  Signed endorsement for Alliance Mortgage Banking Corp. as Vice-
     President.
2.  Signed Assignment of Mortgage for Alliance Mortgage Banking Corp.
     as Vice-President, 21 Jan 2004, signature differs from 1 (same loan
     as 1).

Munoz, Florina

1.  Signed notarization of Assignment of Florida Mortgage for David
     Arnold and Martha Bailey-Slyh, robo-signing suspects, signing for
     MERS as Vice-Presidents, 9 Mar 2010.
2.  Signed notarization of Assignment of Ohio Mortgage as Florida notary
     for Barbara Hindman, robo-signing suspect, signing for JP Morgan
     Chase Bank, NA as Vice-President, 20 Apr 2010, signature slightly
     differs from 1.

Munoz, Martha

1.  Co-signed Assignment of Mortgage with Swarupa Slee, robo-signing
     suspect, for MERS as Vice-President, 12 Dec 2011.
2.  Signed Assignment of Mortgage for MERS as Vice-President, 4 Feb
     2014, signature slightly differs from 1.
3.  Co-signed Assignment of Mortgage with Raymond Marquez, for MERS
     as Vice-President, 5 Oct 2012, signature slightly differs from 1.
4.  Signed Assignment of Mortgage for Bank of America, NA as Assistant
     Vice-President, 10 Oct 2012.

Muradyan, Srbui

1.  Signed Assignment of Mortgage for Bank of America, NA as Assistant
     Vice-President, 11 Jan 2013.
2.  Co-signed Assignment of Mortgage with Debbie Nieblas, robo-signing
     suspect, for MERS as Vice-President, 16 Aug 2011.
3.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 19
     Mar 2012.

Murch, Gerald

1.  Signed notarization of Assignment of Mortgage as Florida notary for
     Dan Sledd, robo-signing suspect, signing for Meridian Asset Services, 
     Inc. as Vice-President, 28 Jun 2017.

Murch, Jason

1.  Signed as witness to Dan Sledd, robo-signing suspect, signing
     Assignment of Mortgage for Meridian Asset Services, Inc. as Vice-
     President, 28 Jun 2017.

Murray, Suchan

1.  Signed Assignment of Deed of Trust for MERS as Authorized Signatory,
     14 Oct 2009; cited as a robo-signing suspect by the AXSmith Law
     blog.

Mustard, Elizabeth

1.  Signed notarization of Assignment of New York Mortgage as Florida
     notary for Belinda Aguirre, signing for MERS as Assistant Secretary,
     14 Mar 2013.
2.  Signed notarization of Assignment of New York Mortgage as Florida
     notary for Belinda Aguirre, signing for MERS as Assistant Secretary, 2
     Nov 2012.

Mutua, Brenda

1.  Signed notarization of Corporate Assignment of Hawaii Mortgage
     as Minnesota notary for Yves Akara Kenao, signing as Vice-President
     for Wells Fargo Bank, NA, 3 Dec 2013.
2.  Signed Assignment of Mortgage for MERS as Assistant Secretary, 29
     Jul 2013, signature differs from 1.
3.  Signed notarization of Corporate Assignment of New York Mortgage
     as Minnesota notary for Michelle Erin Wihren, robo-signing suspect,
     signing for MERS as Assistant Secretary, 15 Oct 2013, signature
     differs from 1 and 2.
4.  Signed notarization of Corporate Assignment of New York Mortgage
     as Minnesota notary for Michelle Erin Wihren, robo-signing suspect,
     signing for Wells Fargo Bank, NA as Vice-President, 6 Nov 2013,
     signature differs from 1 and 2.
5.  Signed Corporate Assignment of Mortgage for Wells Fargo Bank, NA
     as Vice-President, 29 Jul 2014, signature differs from 1, 2, 3 & 4.

Mwangi, Anne

1.  Signed notarization of Assignment of Note and Ohio Mortgage as
     Texas notary for Erica Johnson-Seck, robo-signing suspect, signing
     for IndyMac Federal Bank, FSB as Attorney-in-Fact, 24 Jun 2010.

Myers, Trevin

1.  Signed notarization of Assignment of Pennsylvania Mortgage as
     Florida notary for Melissa Cleary, robo-signing suspect, signing for
     MERS as Assistant Secretary, 2 May 2012.

End of article.



Also read
Excerpts from Actual Examinations
Property Appraisal & Loan-to-Value Ratio


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