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CRA ratings and public evaluations for mortgage lenders

Ratings which became public as of November 1, 2018

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.

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

CRA ratings and public evaluations

The link provided in the 'Rating' column contains the public evaluation. 

Institution Location Exam date Rating
Academy Mortgage Company Sandy, UT 7/19/2016     S
American Financial Resources, Inc. Parsippany, NJ 1/21/2016     S
American Internet Mortgage, Inc. San Diego, CA 5/19/2015    NI
American Neighborhood Mortgage Acceptance Company, LLC Mount Laurel, NJ 11/29/2016     S
Amerisave Mortgage Corporation Atlanta, GA 8/23/2016     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 Irvine, CA 6/2/2011     S
Commonwealth Mortgage, LLC Woburn, MA 4/17/2013     S
Crescent Mortgage Company Atlanta, GA 10/20/2016     S
Ditech Financial, LLC* Washington, PA 4/2/2018     S
Drew Mortgage Associates, Inc. Shrewsbury, MA 9/3/2013     S
E Mortgage Management, LLC Cherry Hill, NJ 7/9/2015     S
Embrace Home Loans, Inc.* Middletown, RI 10/3/2016     S
Envoy Mortgage, LTD Houston, TX 10/21/2014     S
Fairway Independent Mortgage Corporation Madison, WI 4/19/2016     S
Finance of America Mortgage, LLC (formerly Gateway Funding Diversified Mortgage Services) Horsham, PA 7/14/2010     S
First Guaranty Mortgage Corporation* Tysons Corner, VA 7/31/2018     S
First Home Mortgage Corporation Baltimore, MD 12/30/2015     S
Franklin American Mortgage Company Franklin, TN 11/29/2016     S
Franklin First Financial, LTD Melville, NY 4/12/2011     S
Freedom Mortgage Corporation Mount Laurel, NJ 10/20/2015    NI
GMH Mortgage Services, LLC* Conshohocken, PA 8/4/2017    HS
Guaranteed Rate, Inc. Chicago, IL 8/4/2014     S
Guidance Residential, LLC *                           Reston, VA 4/10/2018     S
Home Point Financial Corporation (formerly Maverick Funding Corp.) Parsippany, NJ 1/2/2013     S
Homestead Funding Corporation* Albany, NY 5/24/2017     S
IFreedom Direct Corporation Salt Lake City, UT 1/30/2017     S, LLC Foothills Ranch, CA 3/26/2015     S
J.G. Wentworth Home Lending, LLC (formerly Weststar Mortgage, Inc.) Woodbridge, VA 9/10/2013     S
Member Advantage Mortgage, LLC Grand Rapids, MI 9/22/2014     S
Members Mortgage Company, Inc.* Woburn, MA 3/1/2017     S
Mid-Island Mortgage Corp. Westbury, NY 3/29/2013     S
MiLend, Inc.* Atlanta, GA 5/10/2017    NI
MLD Mortgage, Inc. Florham Park, NJ 3/24/2011     S
Monument Mortgage Company, Inc. Lexington, MA 4/21/2009     S
Mortgage Equity Partners, LLC* Lynnfield, MA 2/20/2018     S
Mortgage Lenders of America, LLC Overland Park, KS 7/9/2013     S
Mortgage Network, Inc.* Danvers, MA 12/15/2017     S
Mortgage Research Center, LLC d/b/a Veterans United Home Loans Columbia, MO 7/29/2016     S
MSA Mortgage, LLC Winthrop, MA 8/8/2013     S
Nationstar Mortgage, LLC Lewisville, TX 8/14/2012     S
New Day Financial, LLC Fulton, MD 3/10/2016     S
New Fed Mortgage Corp. Danvers, MA 1/8/2015     S
NFM, Inc. Linthicum, MD 5/23/2011     S
NorthPoint Mortgage, Inc. Sturbridge, MA 9/3/2014     S
Norwich Commercial Group, Inc. Avon, CT 6/8/2016     S
Pacific Union Financial, LLC* Irving, TX 7/3/2017     S
Plaza Home Mortgage, Inc. San Diego, CA 12/2/2015   HS
Poli Mortgage Group, Inc.* Canton, MA 9/25/2017    NI
Primary Residential Mortgage, Inc.* Salt Lake City, UT 4/9/2018     S
PrimeLending, a PlainsCapital Company Dallas, TX 10/9/2013     S
Pulte Mortgage, LLC Englewood, CA 4/12/2017     S

Quicken Loans, Inc.*

Consent Order: Quicken Loans, Inc. and One Reverse Mortgage, LLC

Detriot, MI 4/20/2018   NA
Radius Financial Group Incorporated Norwell, MA 6/2/2014   HS
Residential Mortgage Services Inc. South Portland, ME 2/16/2016     S
Ross Mortgage Company, Inc. Westborough, MA 6/4/2014     S
Shamrock Financial Corporation East Providence, RI 5/8/2015     S
Sierra Pacific Mortgage Company, Inc. Folsom, CA 5/2/2016     S
Stearns Lending, Inc.* Santa Ana, CA 4/30/2018     S
Suntrust Mortgage, Inc. Richmond, VA 3/11/2010    HS
TBI Mortgage Company Horsham, PA 7/25/2013     S
Top Flite Financial, Inc. Williamston, MI 12/13/2016     S
Total Mortgage Services, LLC Milford, CT 1/13/2014     S
United Shore Financial Services, LLC d/b/a United Wholesale Mortgage* Troy, MI 1/29/2018     S
Village Mortgage Company Torrington, CT 11/25/2013    NI
William Raveis Mortgage, LLC* Shelton, CT 10/25/2017     S

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.

*Depicts institutions with a 2018 published rating.


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