WASHINGTON (AP) _ Thirteen mortgage lenders will reimburse the federal government $1.2 million after being cited for irregular actions.

The Department of Housing and Urban Development said Monday the actions include overinsured mortgages, failure to comply with requirements of the Home Mortgage Disclosure Act, improper loan practices and receiving improper payments.

The largest settlements were $400,000 from Broekema & Associates of San Diego; $311,508 from County Mortgage Company of West Caldwell, N.J.; $237,000 from Love Funding Corp., Washington, D.C.; and $101,903 from First Mortgage Corp. of Tempe, Ariz., HUD said.

The others:

Standard Mortgage Corp., New Orleans, will pay HUD $43,312.

American Mortgages, Inc., Bethesda, Md., will implement a corrective plan of action.

Delmar Financial Co., Clayton, Mo., will pay HUD $30,725.

Hallmark Mortgage Services, Tampa, Fla., will pay HUD $42,414.

Sound Mortgage of Seattle will pay HUD $48,258.

United Southern Mortgage Co., Charlottesville, Va., will pay HUD $2,806.

Royal Thrift & Loan Co., of Los Angeles, Calif., S&L Financial Services Corp., Clearwater, Fla. and the Money Store, Union, N.J., will indemnify HUD for any claim loss on improperly originated loans.