• This page, 2022 Mortgage Lenders Examined for CRA Compliance, is   offered by
  • Division of Banks

2022 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 2022 published rating

Institution Location Rating
American Neighborhood Mortgage Acceptance Company, LLC Mount Laurel, NJ     S
Amerisave Mortgage Corporation Atlanta, GA     S
Draper and Kramer Mortgage Corp. Downers Grove, IL     S
emm loans llc Cherry Hill, NJ     S
Guaranteed Rate Affinity, LLC   Chicago, IL     S
Home Point Financial Corporation Ann Arbor, MI      S
HomeBridge Financial Services, Inc.      Iselin, NJ     S
Luxury Mortgage Corp.             Stamford, CT      S
Members Mortgage Company, Inc. Stoneham, MA     S
Mortgage Equity Partners LLC Lynnfield, MA     S
Mortgage Network, Inc. Danvers, MA     S
Nations Lending Corporation Independence, OH     S
NFM, Inc. Linthicum, MD      S
Northeast Home Loan, LLC West Chesterfield, NH    NI
Northpoint Mortgage, Inc. Sturbridge, MA     S
Primary Residential Mortgage, Inc. Salt Lake City, UT     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, 2022
Last updated: November 1, 2022

Help Us Improve Mass.gov  with your feedback

Please do not include personal or contact information.