• 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)

InstitutionLocationDateRating
Academy Mortgage CorporationDraper, UT3/28/2023S
Allied Mortgage Group, Inc. Bala Cynwyd, PA11/20/2023S
American Financial Network, Inc.Brea, CA9/27/2023S
American Financial Resources, Inc.Parsippany, NJ1/21/2016S
American Financing CorporationAurora, CO5/7/2024S
American Internet Mortgage, Inc.San Diego, CA7/7/2020S
American Nationwide Mortgage Company, Inc.Tampa, FL11/3/2020S
American Neighborhood Mortgage Acceptance Company, LLCMount Laurel, NJ11/15/2021S
Amerisave Mortgage CorporationAtlanta, GA7/20/2022S
Arc Home LLCMoorestown, NJ1/16/2024S
Ark-La-Tex Financial Services, LLCPlano, TX4/6/2015S
Atlantic Home Lending, Inc.Canton, MA12/7/2010S
Bay Equity LLCCorte Madera, CA8/15/2024S
Broker Solutions Inc., dba New American FundingTustin, CA05/24/2019S
Caliber Home Loans, Inc.Coppell, TX8/21/2023S
Cardinal Financial Company, Limited PartnershipCharlotte, NC10/21/2024S
CMG Mortgage, Inc.San Ramon, CA11/7/2023S
Commonwealth Mortgage, LLCWoburn, MA4/17/2013S
Conway Financial Services, LLCNorwell, MA12/2/2019S
Crescent Mortgage CompanyAtlanta, GA10/20/2016S
CrossCountry Mortgage, LLCBreckville, OH9/14/2020S
Ditech Financial, LLCWashington, PA4/2/2018S
Draper and Kramer Mortgage Corp.Downers Grove, IL9/7/2021S
Drew Mortgage Associates, Inc.Shrewsbury, MA4/8/2019S
Embrace Home Loans, Inc.Middletown, RI7/24/2024S
emm loans llcCherry Hill, 5/23/2022S
Envoy Mortgage, LTDHouston, TX4/14/2021 S
Equity Prime Mortgage, LLCAtlanta, GA7/23/2019HS
Equity Resources, Inc.Newark, OH3/4/2024S
Everett Financial, Inc.Dallas, TX3/11/2024S
Fairway Independent Mortgage CorporationMadison, WI9/3/2019S
FBC Mortgage, LLCOrlando, FL9/19/2022NI
Figure Lending LLCCharlotte, NC11/17/2022S
Finance of America Mortgage LLC Conshohocken, PA9/19/2022S
Finance of America Reverse LLC d/b/a FARTulsa, OK9/7/2022S
First Guaranty Mortgage CorporationDallas, TX8/8/2022S
First Home Mortgage CorporationBaltimore, MD12/30/2015S
Freedom Mortgage CorporationBoca Raton, FL2/27/2023S
GMH Mortgage Services, LLCConshohocken, PA8/4/2017HS
Guaranteed Rate Affinity, LLCChicago, IL9/23/2021
Guaranteed Rate, Inc.Chicago, IL7/20/2021S
Guidance Residential, LLC                         Reston, VA6/21/2023S
Guild Mortgage Company LLCSan Diego, CA9/17/2024HS
HomeBridge Financial Services, Inc.Iselin, NJ8/17/2021S
Home Point Financial Corporation Ann Arbor, MI6/10/2022S
Homespire Mortgage CorporationGaithersburg, MD5/2/2023S
Homestead Funding Corp.Albany, NY12/20/2023S
J.G. Wentworth Home Lending, LLC (formerly Weststar Mortgage, Inc.)Woodbridge, VA7/31/2019S
Keller Mortgage, LLCDublin, OH2/27/2023S
Lakeview Loan Servicing, LLCCoral Gables, FL12/26/2018S
LeaderOne Financial CorporationOverland Park, KS10/20/2022S
LendUS, LLCAlamo,  CA3/9/2020S
loanDepot.com, LLCIrvine, CA3/21/2022S
Longbridge Financial, LLCMahwah, NJ12/5/2022S
Luxury Mortgage Corp.Stamford, CT6/8/2021S
Member Advantage Mortgage, LLCGrand Rapids, MI10/3/2019S
Members Mortgage Company, Inc.Stoneham, MA9/20/2021S
Mid-Island Mortgage Corp.Westbury, NY1/7/2021S
MiLend, Inc.Atlanta, GA5/10/2017NI
MLD Mortgage, Inc.Florham Park, NJ10/31/2022NI  
Monument Mortgage Company, Inc.Lexington, MA4/21/2009S
Mortgage Equity Partners, LLCLynnfield, MA2/17/2022S
Mortgage Network, Inc.Danvers, MA12/21/2021S
Mortgage Research Center, LLC d/b/a Veterans United Home Loans, Veteran Loan Center, www.VAMortgageCenter.com and VALoans.comColumbia, MO3/18/2019S
Movement Mortgage, LLCIndian Land, SC7/11/2019S
MSA Mortgage, LLCWinthrop, MA1/23/2020S
Nations Lending CorporationIndependence, OH1/11/2022S
Nationstar Mortgage LLCDallas, TX11/7/2024S
New Day Financial, LLCFulton, MD7/28/2020S
New Fed Mortgage Corp.Danvers, MA10/14/2020S
NewRez LLCFort Washington, PA3/26/2019 S
NFM, Inc.Linthicum, MD1/3/2022S
Northeast Home Loan, LLCWest Chesterfield, NH11/15/2021NI
Northpoint Mortgage, Inc.Sturbridge, MA11/8/2021S
Norwich Commercial Group, Inc.Avon, CT6/12/2023HS
Ocwen Loan Servicing, LLCWest Palm Beach, FL11/7/2018S
Paramount Residential Mortgage Group, Inc.Corona, CA7/12/2023S
PennyMac Loan Services, LLCWestlake Village, CA4/18/2019S
PHH Mortgage CorporationMount Laurel, NJ5/23/2023S
Plaza Home Mortgage, Inc.San Diego, CA6/29/2021S
Poli Mortgage Group, Inc.Norwood, MA2/3/2023NI
Primary Residential Mortgage, Inc.Salt Lake City, UT4/20/2022S
PrimeLending, a PlainsCapital CompanyDallas, TX11/4/2024HS
Provident Funding Associates, LPSanta Rosa, CA8/31/2023NI
Province Mortgage Associates, Inc.East Providence, RI3/30/2021S
Pulte Mortgage, LLCEnglewood, CO11/7/2023S
Radius Financial Group IncorporatedNorwell, MA12/22/2020HS
Reliance First Capital, LLCMelville, NY10/11/2022S
Republic State Mortgage Co.Houston, TX6/3/2024S
Residential Mortgage Services Inc.South Portland, ME2/16/2016S
Rocket Mortgage, LLC f/k/a Quicken Loans, LLCDetroit, MI4/30/2021S
Ross Mortgage Company, Inc.Westborough, MA11/5/2019S
Semper Home Loans, LLCProvidence, RI2/26/2024S
Shamrock Financial CorporationEast Providence, RI2/17/2021S
Sierra Pacific Mortgage Company, Inc.Folsom, CA4/26/2024S
Stearns Lending, Inc.Santa Ana, CA4/30/2018S
TBI Mortgage CompanyHorsham, PA7/25/2013S
Top Flite Financial, Inc.Williamston, MI12/13/2016S
Toll Brothers Mortgage CompanyFort Washington, PA12/18/2023NI
Total Mortgage Services, LLCMilford, CT1/13/2014S
United Shore Financial Services, LLC d/b/a United Wholesale MortgagePontiac, MI3/4/2020S
Village Mortgage CompanyAvon, CT5/15/2019S
Washington Trust Mortgage Company LLCWesterly, RI11/6/2019S
William Raveis Mortgage, LLCShelton, CT6/17/2024S
Zillow Home Loans, LLC f/k/a Mortgage Lenders of America, LLCOverland Park, KS7/9/2013S
Date published: February 3, 2025
Last updated: February 3, 2025

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