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  • 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

InstitutionLocationRating
American Neighborhood Mortgage Acceptance Company, LLCMount Laurel, NJS
Amerisave Mortgage CorporationAtlanta, GAS
Draper and Kramer Mortgage Corp.Downers Grove, ILS
emm loans llcCherry Hill, NJS
Guaranteed Rate Affinity, LLC  Chicago, ILS
Home Point Financial CorporationAnn Arbor, MI S
HomeBridge Financial Services, Inc.     Iselin, NJS
Luxury Mortgage Corp.            Stamford, CT S
Members Mortgage Company, Inc.Stoneham, MAS
Mortgage Equity Partners LLCLynnfield, MAS
Mortgage Network, Inc.Danvers, MAS
Nations Lending CorporationIndependence, OHS
NFM, Inc.Linthicum, MD S
Northeast Home Loan, LLCWest Chesterfield, NHNI
Northpoint Mortgage, Inc.Sturbridge, MAS
Primary Residential Mortgage, Inc.Salt Lake City, UTS

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

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