• This page, CRA ratings and public evaluations for mortgage lenders, is   offered by
  • Division of Banks

CRA ratings and public evaluations for mortgage lenders

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

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.

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.

All mortgage lender ratings (listed in alphabetical order by mortgage lender)

Academy Mortgage Corporation Draper, UT 3/28/2023     S
Allied Mortgage Group, Inc.  Bala Cynwyd, PA 11/20/2023     S
American Financial Network, Inc. Brea, CA 9/27/2023     S
American Financial Resources, Inc. Parsippany, NJ 1/21/2016     S
American Internet Mortgage, Inc. San Diego, CA 7/7/2020     S
American Nationwide Mortgage Company, Inc. Tampa, FL 11/3/2020     S
American Neighborhood Mortgage Acceptance Company, LLC Mount Laurel, NJ 11/15/2021     S
Amerisave Mortgage Corporation Atlanta, GA 7/20/2022     S
Ark-La-Tex Financial Services, LLC Plano, TX 4/6/2015     S
Atlantic Home Lending, Inc. Canton, MA 12/7/2010     S
Broker Solutions Inc., dba New American Funding Tustin, CA 05/24/2019     S
Caliber Home Loans, Inc. Coppell, TX 8/21/2023     S
CMG Mortgage, Inc. San Ramon, CA 11/7/2023     S
Commonwealth Mortgage, LLC Woburn, MA 4/17/2013     S
Conway Financial Services, LLC Norwell, MA 12/2/2019     S
Crescent Mortgage Company Atlanta, GA 10/20/2016     S
CrossCountry Mortgage, LLC Breckville, OH 9/14/2020     S
Ditech Financial, LLC Washington, PA 4/2/2018     S
Draper and Kramer Mortgage Corp. Downers Grove, IL 9/7/2021     S
Drew Mortgage Associates, Inc. Shrewsbury, MA 4/8/2019     S
Embrace Home Loans, Inc. Middletown, RI 2/18/2020     S
emm loans llc Cherry Hill,  5/23/2022     S
Envoy Mortgage, LTD Houston, TX 4/14/2021     S
Equity Prime Mortgage, LLC Atlanta, GA 7/23/2019    HS
Equity Resources, Inc. Newark, OH 6/8/2020     S
Fairway Independent Mortgage Corporation Madison, WI 9/3/2019     S
FBC Mortgage, LLC Orlando, FL 9/19/2022   NI
Figure Lending LLC Charlotte, NC 11/17/2022     S
Finance of America Mortgage LLC  Conshohocken, PA 9/19/2022     S
Finance of America Reverse LLC d/b/a FAR Tulsa, OK 9/7/2022     S
First Guaranty Mortgage Corporation Dallas, TX 8/8/2022     S
First Home Mortgage Corporation Baltimore, MD 12/30/2015     S
Freedom Mortgage Corporation Boca Raton, FL 2/27/2023     S
GMH Mortgage Services, LLC Conshohocken, PA 8/4/2017    HS
Guaranteed Rate Affinity, LLC Chicago, IL 9/23/2021    
Guaranteed Rate, Inc. Chicago, IL 7/20/2021     S
Guidance Residential, LLC                          Reston, VA 6/21/2023     S
HomeBridge Financial Services, Inc. Iselin, NJ 8/17/2021     S
Home Point Financial Corporation  Ann Arbor, MI 6/10/2022     S
Homespire Mortgage Corporation Gaithersburg, MD 5/2/2023     S
Homestead Funding Corp. Albany, NY 12/20/2023    S
J.G. Wentworth Home Lending, LLC (formerly Weststar Mortgage, Inc.) Woodbridge, VA 7/31/2019    S
Keller Mortgage, LLC Dublin, OH 2/27/2023    S
Lakeview Loan Servicing, LLC Coral Gables, FL 12/26/2018     S
LeaderOne Financial Corporation Overland Park, KS 10/20/2022    S
LendUS, LLC Alamo,  CA 3/9/2020     S
loanDepot.com, LLC Irvine, CA 3/21/2022     S
Longbridge Financial, LLC Mahwah, NJ 12/5/2022     S
Luxury Mortgage Corp. Stamford, CT 6/8/2021     S
Member Advantage Mortgage, LLC Grand Rapids, MI 10/3/2019     S
Members Mortgage Company, Inc. Stoneham, MA 9/20/2021     S
Mid-Island Mortgage Corp. Westbury, NY 1/7/2021     S
MiLend, Inc. Atlanta, GA 5/10/2017    NI
MLD Mortgage, Inc. Florham Park, NJ 10/31/2022       NI  
Monument Mortgage Company, Inc. Lexington, MA 4/21/2009     S
Mortgage Equity Partners, LLC Lynnfield, MA 2/17/2022     S
Mortgage Network, Inc. Danvers, MA 12/21/2021     S
Mortgage Research Center, LLC d/b/a Veterans United Home Loans, Veteran Loan Center, www.VAMortgageCenter.com and VALoans.com Columbia, MO 3/18/2019     S
Movement Mortgage, LLC Indian Land, SC 7/11/2019     S
MSA Mortgage, LLC Winthrop, MA 1/23/2020     S
Nations Lending Corporation Independence, OH


Nationstar Mortgage, LLC Dallas, TX 2/11/2019     S
New Day Financial, LLC Fulton, MD 7/28/2020     S
New Fed Mortgage Corp. Danvers, MA 10/14/2020     S
NewRez LLC Fort Washington, PA 3/26/2019     S
NFM, Inc. Linthicum, MD 1/3/2022     S
Northeast Home Loan, LLC West Chesterfield, NH


Northpoint Mortgage, Inc. Sturbridge, MA 11/8/2021     S
Norwich Commercial Group, Inc. Avon, CT 6/12/2023    HS
Ocwen Loan Servicing, LLC West Palm Beach, FL 11/7/2018     S
Paramount Residential Mortgage Group, Inc. Corona, CA 7/12/2023     S
PennyMac Loan Services, LLC Westlake Village, CA 4/18/2019     S
PHH Mortgage Corporation Mount Laurel, NJ 5/23/2023     S
Plaza Home Mortgage, Inc. San Diego, CA 6/29/2021     S
Poli Mortgage Group, Inc. Norwood, MA 2/3/2023    NI
Primary Residential Mortgage, Inc. Salt Lake City, UT 4/20/2022    S
PrimeLending, a PlainsCapital Company Dallas, TX 10/25/2019     S
Provident Funding Associates, LP Santa Rosa, CA 8/31/2023    NI
Province Mortgage Associates, Inc. East Providence, RI 3/30/2021    S
Pulte Mortgage, LLC Englewood, CA 4/12/2017     S
Radius Financial Group Incorporated Norwell, MA 12/22/2020   HS
Reliance First Capital, LLC Melville, NY 10/11/2022    S
Republic State Mortgage Co. Houston, TX 7/28/2020    S
Residential Mortgage Services Inc. South Portland, ME 2/16/2016     S
Rocket Mortgage, LLC f/k/a Quicken Loans, LLC Detroit, MI 4/30/2021     S
Ross Mortgage Company, Inc. Westborough, MA 11/5/2019     S
Shamrock Financial Corporation East Providence, RI 2/17/2021     S
Sierra Pacific Mortgage Company, Inc. Folsom, CA 9/16/2019     S
Stearns Lending, Inc. Santa Ana, CA 4/30/2018     S
TBI Mortgage Company Horsham, PA 7/25/2013     S
Top Flite Financial, Inc. Williamston, MI 12/13/2016     S
Toll Brothers Mortgage Company Fort Washington, PA 12/18/2023    NI
Total Mortgage Services, LLC Milford, CT 1/13/2014     S
United Shore Financial Services, LLC d/b/a United Wholesale Mortgage Pontiac, MI 3/4/2020     S
Village Mortgage Company Avon, CT 5/15/2019     S
Washington Trust Mortgage Company LLC Westerly, RI 11/6/2019     S
William Raveis Mortgage, LLC Shelton, CT 8/5/2020     S
Zillow Home Loans, LLC f/k/a Mortgage Lenders of America, LLC Overland Park, KS 7/9/2013     S
Date published: May 1, 2024
Last updated: May 1, 2024

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