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2023 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 2023 published rating

Institution Location Rating
Academy Mortgage Corporation Draper, UT     S
FBC Mortgage, LLC Orlando, FL     NI
Figure Lending LLC Charlotte, NC     S
Finance of America Mortgage LLC Conshohocken, PA     S 
Finance of America Reverse LLC Tulsa, OK     S
First Guaranty Mortgage Corporation Dallas, TX     S
Freedom Mortgage Corporation Boca Raton, FL     S
Homespire Mortgage Corporation Gaithersburg, MD     S
Guidance Residential, LLC Reston, VA     S
Keller Mortgage, LLC Dublin, OH     S
LeaderOne Financial Corporation Overland Park, KS     S
loanDepot,com, LLC Irvine, CA     S
Longbridge Financial, LLC Mahwah, NJ     S
MLD Mortgage Inc. Florham Park, NJ     NI
Paramount Residential Mortgage Group, Inc. Corona, CA     S
Poli Mortgage Group, Inc. Norwood, MA    NI
Reliance First Capital, LLC Melville, NY     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: December 1, 2023
Last updated: December 1, 2023

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