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2021 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 2021 published rating

Institution Location Rating
American Internet Mortgage, Inc. San Diego, CA    S
American Nationwide Mortgage Company, Inc.  Tampa, FL    S
CrossCountry Mortgage, LLC Breckville, OH    S
Embrace Homes Loans, Inc. Middletown, RI    S
Envoy Mortgage, Ltd. Houston, TX    S
Guaranteed Rate, Inc. Chicago, IL    S
LendUS, LLC Alamo, CA    S
Mid-Island Mortgage Corp. Westbury, NY    S
New Day Financial, LLC Fulton, MD    S
New Fed Mortgage, Corp. Danvers, MA    S
Plaza Home Mortgage, Inc. San Diego, CA    S
Province Mortgage Associates, Inc. East Providence, RI    S
Radius Financial Group Inc. Norwell, MA    HS
Republic State Mortgage Co. Houston, TX    S
Rocket Mortgage, LLC f/k/a Quicken Loans, LLC Detroit, MI    S
Shamrock Home Loans, Inc. East Providence, RI     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

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.


Date published: November 1, 2021
Last updated: November 1, 2021

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