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2018 Mortgage Lenders Examined for CRA Compliance

The Division of Banks (DOB) examines licensed mortgage lenders (LMLs) making 50 or more home mortgage loans in the previous 2 calendar years. The DOB assess the LML's record of meeting the mortgage credit needs in its entire assessment area. The evaluation includes an assessment of the LML's lending in low and moderate-income areas and a review by income of borrowers. When the examination is complete the DOB issues a rating and public evaluation.

Table of Contents

LMLs with a 2018 published rating

InstitutionLocationRating
Ditech Financial, LLCWashington, PAS
Embrace Home Loans, Inc.Middletown, RIS
FBC Mortgage, LLCOrlando, FLS
First Guaranty Mortgage CorporationTysons Corner, VAS
GMH Mortgage Services, LLCConshohocken, PAHS
Guidance Residential, LLC                  Reston, VAS
Homestead Funding CorporationAlbany, NYS
Members Mortgage Company, Inc.Woburn, MAS
MiLend, Inc.Atlanta, GANI
Mortgage Equity Partners, LLCLynnfield, MAS
Mortgage Network, Inc.Danvers, MAS
Pacific Union Financial, LLCIrving, TXS
Poli Mortgage Group, Inc.Canton, MANI
Primary Residential Mortgage, Inc.Salt Lake City, UTS

Quicken Loans, Inc.

Consent Order: Quicken Loans, Inc. and One Reverse Mortgage, LLC

Detriot, MINR
Stearns Lending, Inc.Santa Ana, CAS
William Raveis Mortgage, LLCShelton, CTS

Key to ratings

  • O - Outstanding
  • HS - High Satisfactory
  • S - Satisfactory
  • NI - Needs to Improve
  • SNC - Substantial Noncompliance
  • NR - Not Rated

These ratings are not, nor should they be interpreted as an assessment of the financial condition of these institutions. The assigned ratings do not represent an analysis, conclusion, or opinion of the DOB concerning the safety and soundness of these financial institutions.

Public evaluations

The public portion of the evaluation generally contains:

  • The mortgage lender's CRA rating
  • A description of the mortgage lender
  • Conclusions about the mortgage lender's CRA performance, including the facts, data, and analyses that were used to form such conclusions.
Last updated: January 1, 2019

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