Ratings Which Became Public As Of October 31, 2014 1
Key to Ratings:O - Outstanding
HS - High Satisfactory
S - Satisfactory
NI - Needs to Improve
SNC - Substantial Noncompliance
Under the CRA for Mortgage Lenders (also known as Mortgage Lender Community Investment, or MLCI), the Division of Banks (Division) examines licensed mortgage lenders making 50 or more home mortgage loans in the previous calendar year, to assess their record of helping to meet the mortgage credit needs of the Commonwealth, including low- and moderate-income neighborhoods and individuals, consistent with safe and sound lending practices. Upon conclusion of the examination, the Division prepares a written evaluation of the mortgage lender's record of meeting the mortgage credit needs of the Commonwealth.
This written evaluation is public information and can be obtained through the mortgage lender or the Division. While the content of the Public Evaluation might vary depending on the nature of the mortgage lender examined and the assessment method used, the public portion of the evaluation generally contains the following information:
- The mortgage lender's MLCI rating.
- A description of the mortgage lender.
- Conclusions regarding the mortgage lender's MLCI performance, including the facts, data, and analyses that were used to form such conclusions.
Copies of the most recent Public Evaluations issued by the Division may be downloaded by clicking on "YES" in the PE (Public Evaluation) column in the table below. Copies of Public Evaluations may also be obtained by contacting the institution directly.
- Public Evaluations are provided in Adobe Acrobat Portable Document Format (PDF).
Advanced Mortgage Services, LLC
American Financial Resources, Inc.
American Interbanc Mortgage, LLC
American Internet Mortgage, Inc.
San Diego, CA
Amerisave Mortgage Corporation
Atlantic Home Lending, Inc.
Broker Solutions Inc., d/b/a New American Funding
ClearPoint Funding, Inc.
Commonwealth Mortgage, LLC
Continental Home Loans Inc.
Crescent Mortgage Company
Drew Mortgage Associates, Inc.
Embrace Home Loans, Inc.
First Residential Mortgage Network, Inc.
Franklin American Mortgage Company
YES file size 1MB
Franklin First Financial, LTD
Freedom Mortgage Corporation
Mount Laurel, NJ
Gateway Funding Diversified Mortgage Services, LP
GMH Mortgage Services, LLC
Newton Square, PA
Greenpark Mortgage Corporation
Guaranteed Rate, Inc.
Homestead Funding Corporation
IFreedom Direct Corporation
Salt Lake City, UT
Leader Mortgage Company, Inc.
Maverick Funding Corp.
Members Advantage Mortgage, LLC
Members Mortgage Company, Inc.
Merrimack Mortgage Company, Inc.
MetroBoston Mortgage Company, Inc.
Mid-Island Mortgage Corp.
MLD Mortgage, Inc.
Florham Park, NJ
Monument Mortgage Company, Inc.
Mortgage Financial, Inc.
Mortgage Lenders of America, LLC
Overland Park, KS
Mortgage Network, Inc.
Mortgage Partners, Inc.
|Mortgage Research Center, LLC d/b/a Veterans United Home Loans|
( Issued a Consent Order dated June 13. 2014 as a result of an MLCI examination .)
MSA Mortgage, LLC
Nationstar Mortgage LLC
NE Moves, Mortgage LLC
Omega Mortgage Corp.
Plaza Home Mortgage, Inc.
San Diego, CA
Poli Mortgage Group, Inc.
Primary Residential Mortgage, Inc.
Salt Lake City, UT
Provident Funding Group, Inc.
San Bruno, CA
Pulte Mortgage LLC
Radius Financial Group Incorporated
Regency Mortgage Corp.
Reliant Mortgage Company, LLC
Residential Mortgage Services Inc.
South Portland, ME
Ross Mortgage Company, Inc.
Schaefer Mortgage Corporation
Shamrock Financial Corporation
East Providence, RI
Sierra Pacific Mortgage Company, Inc.
Stearns Lending, Inc.
Santa Ana, CA
Suntrust Mortgage, Inc.
Superior Mortgage Corporation
TBI Mortgage Company
Total Mortgage Services, LLC
Union Capital Mortgage Business Trust
United Shore Financial Services, LLC d/b/a United Wholesale Mortgage
William Raveis Mortgage, LLC
1 These ratings are not, nor should they be construed as, an assessment of the financial condition of these institutions. The assigned ratings do not represent an analysis, conclusion, or opinion of the Division of Banks concerning the safety and soundness of these financial institutions.