CRA ratings and public evaluations for mortgage lenders

Ratings which became public as of September 30, 2017*

The Division of Banks (DOB) examines licensed mortgage lenders making 50 or more home mortgage loans in the previous 2 calendar years. The DOB assess the institution's record of meeting the mortgage credit needs of its entire assessment area. This includes low and moderate-income neighborhoods, consistent with the safe and sound operation of the institution. 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 12/23/2015     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 4/13/2015     S
Atlantic Home Lending, Inc. Canton, MA 12/7/2010     S
Broker Solutions Inc., d/b/a New American Funding Irvine, CA 6/2/2011     S
Commonwealth Mortgage, LLC Woburn, MA 4/22/2013     S
Crescent Mortgage Company Atlanta, GA 10/20/2016     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. Newport, RI 2/2/2010     S
Envoy Mortgage, LTD Houston, TX 10/27/2014     S
Fairway Independent Mortgage Corporation Madison, WI 4/19/2016     S
First Home Mortgage Corporation Baltimore, MD 12/30/2015     S
Franklin American Mortgage Company Franklin, TN 6/9/2010     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 Newton Square, PA 9/20/2012     S
Guaranteed Rate, Inc. Chicago, IL 8/4/2014     S
Homestead Funding Corporation Albany, NY 12/22/2010     S
IFreedom Direct Corporation Salt Lake City, UT 2/3/2011     S, LLC Foothills Ranch, CA 3/26/2015     S
Member Advantage Mortgage, LLC Ada, MI 9/22/2014     S
Members Mortgage Company, Inc. Woburn, MA 5/16/2011     S
Mid-Island Mortgage Corp. Westbury, NY 5/9/2013     S
MLD Mortgage, Inc. Florham Park, NJ 3/24/2011     S
Monument Mortgage Company, Inc. Lexington, MA 4/21/2009     S
Mortgage Lenders of America, LLC Overland Park, KS 7/9/2013     S
Mortgage Network, Inc. Danvers, MA 8/6/2011     S
Mortgage Research Center, LLC d/b/a Veterans United Home Loans Columbia, MO 7/29/2016     S
MSA Mortgage, LLC Winthrop, MA 8/12/2013     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 8/5/2014     S
Norwich Commercial Group, Inc. Avon, CT 6/8/2016     S
Plaza Home Mortgage, Inc. San Diego, CA 12/2/2015   HS
Poli Mortgage Group, Inc. Norwood, MA 3/3/2011    NI
Primary Residential Mortgage, Inc. Salt Lake City, UT 7/13/2011     S
PrimeLending, a PlainsCapital Company Dallas, TX 10/9/2013     S
Prospect Mortgage, LLC Sherman Oaks, CA 3/9/2016     S
Pulte Mortgage, LLC Englewood, CA 3/2/2010     S
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 5/11/2015     S
Sierra Pacific Mortgage Company, Inc. Folsom, CA 5/2/2016     S
Stearns Lending, Inc. Santa Ana, CA 12/6/2011     S
Suntrust Mortgage, Inc. Richmond, VA 3/11/2010    HS
TBI Mortgage Company Horsham, PA 7/25/2013     S
Total Mortgage Services, LLC Milford, CT 1/13/2014     S
United Shore Financial Services, LLC d/b/a United Wholesale Mortgage Troy, MI 08/29/2012     S
Village Mortgage Company Torrington, CT 11/25/2013    NI
William Raveis Mortgage, LLC Shelton, CT 10/12/2010     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.


Tell us what you think