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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

Institution Location Rating
Ditech Financial, LLC Washington, PA     S
Embrace Home Loans, Inc. Middletown, RI     S
FBC Mortgage, LLC Orlando, FL     S
First Guaranty Mortgage Corporation Tysons Corner, VA     S
GMH Mortgage Services, LLC Conshohocken, PA    HS
Guidance Residential, LLC                   Reston, VA     S
Homestead Funding Corporation Albany, NY     S
Members Mortgage Company, Inc. Woburn, MA     S
MiLend, Inc. Atlanta, GA    NI
Mortgage Equity Partners, LLC Lynnfield, MA     S
Mortgage Network, Inc. Danvers, MA     S
Pacific Union Financial, LLC Irving, TX     S
Poli Mortgage Group, Inc. Canton, MA    NI
Primary Residential Mortgage, Inc. Salt Lake City, UT     S

Quicken Loans, Inc.

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

Detriot, MI   NR
Stearns Lending, Inc. Santa Ana, CA     S
William Raveis Mortgage, LLC Shelton, CT     S

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