     Case: 12-30365     Document: 00512015373         Page: 1     Date Filed: 10/10/2012




           IN THE UNITED STATES COURT OF APPEALS
                    FOR THE FIFTH CIRCUIT  United States Court of Appeals
                                                    Fifth Circuit

                                                                            FILED
                                                                         October 10, 2012
                                     No. 12-30365
                                   Summary Calendar                        Lyle W. Cayce
                                                                                Clerk

UNITED STATES OF AMERICA,

                                                  Plaintiff-Appellee

v.

MARY L. FRANCOIS,

                                                  Defendant-Appellant


                   Appeal from the United States District Court
                      for the Western District of Louisiana
                             USDC No. 6:10-CR-303-1


Before JOLLY, BENAVIDES, and DENNIS, Circuit Judges.
PER CURIAM:*
        Mary L. Francois pleaded guilty to counts 4 and 5 of a 32-count indictment
charging her with wire fraud related to her activities as a mortgage broker. She
has appealed her sentence, contending that the district court erred in
determining the loss attributable to her fraudulent conduct.
        The district court found that the loss amount attributable to Francois was
$153,359, which was the amount that Francois had redirected to her businesses
as kickback proceeds. Citing United States v. Goss, 549 F.3d 1013 (5th Cir.

       *
         Pursuant to 5TH CIR. R. 47.5, the court has determined that this opinion should not
be published and is not precedent except under the limited circumstances set forth in 5TH CIR.
R. 47.5.4.
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                                  No. 12-30365

2008), Francois contends that the district court should have undertaken a loan-
by-loan analysis of the value of any available collateral instead of focusing on the
extent of her purported gain. She contends that most of the loans she brokered
are fully performing and that, therefore, no loss was sustained by the lenders.
She contends also that any loss sustained by the lenders was not caused by her
fraudulent conduct and should not be attributed to her. There is no evidence,
she argues, that she intended that the lenders would suffer a loss.
      In Goss, we determined that actual loss in a mortgage fraud case is
“determined by deducting the value of the collateral from the total loan
amounts.”    United States v. Murray, 648 F.3d 251, 255 (5th Cir. 2011)
(discussing Goss, 549 F.3d at 1017-18), cert. denied, 132 S. Ct. 1065 (2012). In
the district court, Francois took the position that the actual losses could not be
determined and that the total loss should be limited to the amount by which she
profited from the criminal enterprise. She did not argue, as she does on appeal,
that the district court should have determined the actual loss using the
methodology in Goss.
      Therefore, we have reviewed the issues asserted by Francois for plain
error. See United States v. Sotelo, 97 F.3d 782, 793 (5th Cir. 1996). To show
plain error, Francois must show a forfeited error that is clear or obvious and that
affects her substantial rights. Puckett v. United States, 556 U.S. 129, 135 (2009).
If she makes such a showing, this court has the discretion to correct the error
but only if it seriously affects the fairness, integrity, or public reputation of
judicial proceedings. Id.
      Under the Guidelines, financial losses are determined by using the greater
of actual loss or intended loss. U.S.S.G. § 2B1.1, comment. (n.3(A)) (2010).
When there is a loss but the amount of the loss cannot reasonably be
determined, however, the sentencing court shall determine “the gain that
resulted from the offense as an alternative measure of loss.” § 2B1.1, comment.
(n.3(B)). The district court is only required to “make a reasonable estimate of

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                                  No. 12-30365

loss,” and its findings are “entitled to appropriate deference.” United States v.
Brooks, 681 F.3d 678, 713-14 (5th Cir. 2012), petitions for cert. filed (Aug. 9 and
16, 2012) (Nos. 12-5812 & 12-5847); see also Goss, 549 F.3d at 1019; § 2B1.1,
comment. (n.3(C)).
      In this case, the district court concluded that the actual and intended
amount of the loss could not be determined, and it based its loss determination
on the amount by which Francois gained from her fraudulent scheme. After
reviewing the record, we hold that it was reasonable for the district court to
determine the amount of the loss on that basis. See Brooks, 681 F3d at 713-14;
United States v. McMillan, 600 F.3d 434, 458-59 (5th Cir. 2010) (district court
did not clearly err in determining loss at sentencing on basis of defendants’ gain
from offense because amount of victims’ loss could not be reasonably calculated).
Francois has not shown that the district court committed a clear or obvious error
in calculating the loss based on the sums by which Francois’s businesses gained
from the offense and relevant conduct. See Puckett, 556 U.S. at 135; § 2B1.1,
comment. (n.3(A)(ii) & (B)). The judgment is AFFIRMED.




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