By the Division of Banks

Ratings Which Became Public As Of September 30, 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.


Notes:

  • Public Evaluations are provided in Adobe Acrobat Portable Document Format (PDF).


InstitutionLocationExam DateRatingPE

Advanced Mortgage Services, LLC

Norwell, MA

12/01/09

S

YES pdf format of ams.pdf

American Financial Resources, Inc.
( Issued a Consent Order dated January 7, 2014 as a result of an MLCI examination .)

Parsippany, NJ

02/13/13

N/A

NO

American Interbanc Mortgage, LLC
( Issued a Consent Order dated August 1, 2011 as a result of an MLCI examination.)

Irvine, CA

11/26/10

N/A

NO

American Internet Mortgage, Inc.

San Diego, CA

08/31/09

S

YES pdf format of aim.pdf

Amerisave Mortgage Corporation
( Issued a Consent Order dated June 3, 2010 as a result of an MLCI examination.)

Atlanta, GA

01/27/10

N/A

NO

Atlantic Home Lending, Inc.

Canton, MA

12/07/10

S

YES pdf format of atlantichome.pdf

Broker Solutions Inc., d/b/a New American Funding

Irvine, CA

06/02/11

S

YES pdf format of brokersolutions

ClearPoint Funding, Inc.
( Issued a Consent Order dated February 25, 2013 as a result of an MLCI examination .)

Westborough, MA

01/30/12

N/A

NO

Commonwealth Mortgage, LLC

Woburn, MA

04/22/13

S

YES pdf format of commmort.pdf

Continental Home Loans Inc.

Melville, NY

03/02/12

S

YES pdf format of continentalhome

Crescent Mortgage Company

Atlanta, GA

04/04/12

S

YES pdf format of crescent.pdf

Drew Mortgage Associates, Inc.

Shrewsbury, MA

09/03/13

S

YES pdf format of drewmort.pdf

Embrace Home Loans, Inc.

Newport, RI

02/02/10

S

YES pdf format of embrace.pdf

First Residential Mortgage Network, Inc.

Louisville, KY

11/01/10

S

YES pdf format of firstres.pdf

Franklin American Mortgage Company

Franklin, TN

06/09/10

S

YES pdf format of franklin.pdf
file size 1MB

Franklin First Financial, LTD

Melville, NY

04/12/11

S

YES pdf format of franklinfirst.pdf

Freedom Mortgage Corporation

Mount Laurel, NJ

12/11/09

S

YES pdf format of freedom.pdf

Gateway Funding Diversified Mortgage Services, LP

Horsham, PA

12/11/09

S

YES pdf format of gateway.pdf

GMH Mortgage Services, LLC

Newton Square, PA

09/20/12

S

YES pdf format of gmh.pdf

Greenpark Mortgage Corporation

Needham, MA

05/20/10

S

YES pdf format of greenpark.pdf

Guaranteed Rate, Inc.
( Issued a Consent Order dated July 15 2014 as a result of an MLCI examination .)

Chicago, IL

07/15/14

N/A

NO

Homestead Funding Corporation

Albany NY

12/22/10

S

YES pdf format of homesteadfunding.pdf

IFreedom Direct Corporation

Salt Lake City, UT

02/03/11

S

YES pdf format of ifreedom.pdf

Leader Mortgage Company, Inc.
( Issued a Consent Order dated March 16, 2012 as a result of an MLCI examination. )

Arlington, MA

08/03/10

NI

YES pdf format of leadermortgage.pdf

Maverick Funding Corp.

Parsippany, NJ

01/02/13

S

YES pdf format of maverickfunding.pdf

Members Advantage Mortgage, LLC

Ada, MI

08/12/10

NI

YES pdf format of memberadvantage.pdf

Members Mortgage Company, Inc.

Woburn, MA

05/16/11

S

YES pdf format of membersmortgage.pdf

Merrimack Mortgage Company, Inc.

Manchester, NH

09/07/10

S

YES pdf format of mmc.pdf

MetroBoston Mortgage Company, Inc.

Canton, MA

04/20/10

S

YES pdf format of metroboston.pdf

Mid-Island Mortgage Corp.

Westbury, NY

05/09/13

S

YES pdf format of midisland.pdf

MLD Mortgage, Inc.

Florham Park, NJ

03/24/11

S

YES pdf format of mldmortgage.pdf

Monument Mortgage Company, Inc.

Lexington, MA

04/21/09

S

YES pdf format of mmci.pdf

Mortgage Financial, Inc.

Tewksbury, MA

09/07/10

S

YES pdf format of mortgfinancial.pdf

Mortgage Lenders of America, LLC

Overland Park, KS

07/09/13

S

YES pdf format of mla.pdf

Mortgage Network, Inc.
( Issued a Consent Order dated March 8, 2010 as a result of an MLCI examination. )

Danvers, MA

08/06/11

S

YES pdf format of mortgagenetwork.pdf

Mortgage Partners, Inc.

Amherst, NH

04/20/10

S

YES pdf format of mortpart.pdf

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 .)

Columbia, MO

7/30/12

SNC

YES pdf format of PE MORTGAGE RESEARCH CENTER, LLC

MSA Mortgage, LLC

Winthrop, MA

08/12/13

S

YES pdf format of msamort.pdf

Nationstar Mortgage LLC

Lewisville, TX08/14/12SYES pdf format of nationstar.pdf

NE Moves, Mortgage LLC

Waltham, MA

07/29/09

S

YES pdf format of nemoves.pdf

NFM, Inc.

Linthicum, MD

05/23/11

S

YES pdf format of nfm.pdf

Omega Mortgage Corp.

Sudbury, MA

05/10/10

S

YES pdf format of omega.pdf

Plaza Home Mortgage, Inc.

San Diego, CA

05/10/10

NI

YES pdf format of plaza.pdf

Poli Mortgage Group, Inc.

Norwood, MA

03/03/11

NI

YES pdf format of polimort.pdf

Primary Residential Mortgage, Inc.

Salt Lake City, UT

07/13/11

S

Yes pdf format of primaryresidential.pdf

Provident Funding Group, Inc.

San Bruno, CA

05/29/13

NI

YES pdf format of provfund.pdf

Pulte Mortgage LLC

Englewood, CA

03/02/10

S

YES pdf format of pulte.pdf

Radius Financial Group Incorporated

Norwell, MA

06/30/09

S

YES pdf format of radius.pdf

Regency Mortgage Corp.

Manchester, NH

06/30/11

S

YES pdf format of regency.pdf

Reliant Mortgage Company, LLC

Beverly, MA

11/08/10

S

YES pdf format of reliant.pdf

Residential Mortgage Services Inc.
(Issued a Consent Order dated October 15, 2013 as a result of an MLCI examination .)

South Portland, ME

11/12/12

N/A

NO

Ross Mortgage Company, Inc.

Westborough, MA

04/29/09

S

YES pdf format of rmci.pdf

Schaefer Mortgage Corporation

Londonderry, NH

01/29/13

S

YES pdf format of schaefermortgage.pdf

Shamrock Financial Corporation

East Providence, RI

06/22/09

S

YES pdf format of shamrock.pdf

Sierra Pacific Mortgage Company, Inc.

Folsom, CA

02/15/10

S

YES pdf format of sierrapacific.pdf

Stearns Lending, Inc.

Santa Ana, CA

12/06/11

S

YES pdf format of arns.pdf

Suntrust Mortgage, Inc.

Richmond, VA

03/11/10

HS

YES pdf format of suntrust.pdf

Superior Mortgage Corporation

Hammonton, NJ

11/08/10

S

YES pdf format of superior.pdf

Total Mortgage Services, LLC

Milford, CT

01/13/14

S

YES pdf format of totalmort.pdf

Union Capital Mortgage Business Trust
( Issued a Temporary Order to Cease and Desist on November 12, 2009 as a result of the MLCI examination)

Randolph, MA

04/15/09

SNC

YES pdf format of unioncap.pdf

United Shore Financial Services, LLC d/b/a United Wholesale Mortgage

Troy, MI

12/12/12

S

YES pdf format of unitedshore.pdf

William Raveis Mortgage, LLC

Shelton, CT

10/12/11

S

YES pdf format of raveismort.pdf

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.