Bridging The Gap: The Community Reinvestment Act
and Hispanic Mortgage Lending Houston, TX

APPENDIX C: LENDER CLASSIFICATIONS

 

AGENCY

INSTITUTION

LOCATION

CRA

CRA2

LOCAL

APPS.

7

1ST FINANCIAL MORTGAGE CORP.

COLORADO SPRINGS, CO

     

3

7

ACCUBANC MORTGAGE CORP.

DALLAS, TX

     

284

7

AEGIS MORTGAGE CORP.

HOUSTON, TX

     

58

2

ALIEF ALAMO BANK

HOUSTON, TX

4

4

4

2

7

ALLIED MORTGAGE CORP.

HOUSTON, TX

   

4

53

3

AMERICAN BANK

HOUSTON, TX

4

4

4

6

7

AMERICAN FINANCIAL MORTGAGE

DALLAS, TX

     

176

5

AMERICAN GENERAL FEDERAL CU

BALTIMORE, MD

     

1

3

AMERICAN HOME FUNDING

RICHMOND, VA

4

   

2

2

AMSOUTH MORTGAGE COMPANY, INC.

BIRMINGHAM, AL

4

   

181

7

APOLLO MORTGAGE & FINANCIAL

ST PETERSBURG, FL

     

1

2

ARCS MORTGAGE INC.

CANOGA PARK, CA

4

   

157

3

ASIAN AMERICAN NATIONAL BANK

HOUSTON, TX

4

4

4

6

4

BANC ONE MORTGAGE CORP.

INDIANAPOLIS, IN

4

   

509

7

BANCPLUS MORTGAGE CORP.

SAN ANTONIO, TX

   

4

543

3

BANK OF ALMEDA

HOUSTON, TX

4

4

4

3

1

BANK OF AMERICA TEXAS, N.A.

IRVING, TX

4

   

418

4

BANK OF AMERICA,FSB

PORTLAND, OR

4

   

787

2

BANK OF HOUSTON

HOUSTON, TX

4

4

4

1

1

BANK ONE, TEXAS, NA

DALLAS, TX

4

4

 

399

4

BANK UNITED OF TEXAS FSB

HOUSTON, TX

4

4

4

1434

1

BANKBOSTON MORTGAGE CORP.

JACKSONVILLE, FL

4

   

295

2

BARCLAYS AMERICAN MORTGAGE COR

CHARLOTTE, NC

4

   

103

3

BAY AREA BANK & TRUST

WEBSTER, TX

4

4

 

2

1

BAYSHORE NATIONAL BANK OF LA P

LA PORTE, TX

4

4

4

5

3

BAYTOWN STATE BANK

BAYTOWN, TX

4

4

 

8

5

BRAZOS VALLEY SCHOOLS C.U

KATY, TX

     

39

7

CANYON SPRINGS FINANCIAL

SANTA ANA, CA

     

1

3

CAPITAL BANK

HOUSTON, TX

4

4

4

3

7

CARL I. BROWN & COMPANY

KANSAS CITY, MO

     

44

3

CBS MORTGAGE CORP.

HOUSTON, TX

4

 

4

36

7

CENTRAL PACIFIC MORTGAGE CO.

CITRUS HEIGHTS, CA

     

3

1

CHAMPIONS BANK, N. A.

HOUSTON, TX

4

4

4

21

7

CHARLES F CURRY COMPANY

KANSAS CITY, MO

     

9

1

CHARTER NATIONAL BANK-COLONIAL

HOUSTON, TX

4

4

4

96

1

CHASE MANHATTAN MORTGAGE CORP.

TAMPA, FL

4

   

1795

2

CHEMICAL FINANCIAL SVCS CORP

HOUSTON, TX

4

 

4

3

2

CHEMICAL MORTGAGE COMPANY

WORTHINGTON, OH

4

   

9

1

CHEMICAL RESIDENTIAL MORTGAGE

NEW YORK, NY

4

   

121

2

CITICORP MORTGAGE, INC.

SAN FRANCISCO, CA

4

   

30

2

CITIZENS BANK & TRUST CO.

BAYTOWN, TX

4

4

4

126

1

CITIZENS NATIONAL BANK

HOUSTON, TX

4

4

4

158

1

CITIZENS NATIONAL BANK - TEXAS

BELLAIRE, TX

4

4

 

18

3

CITIZENS STATE BANK

HEMPSTEAD, TX

4

4

 

28

1

CLEAR LAKE NATIONAL BANK

HOUSTON, TX

4

4

4

4

7

COLLATERAL MORTGAGE, LTD.

BIRMINGHAM, AL

     

1

7

COLONIAL MORTGAGE COMPANY

MONTGOMERY, AL

     

330

7

COLUMBIA NATIONAL INC

COLUMBIA, MD

     

13

3

COMERICA BANK-TEXAS

DALLAS, TX

4

4

 

249

2

COMERICA MORTGAGE CORP.

AUBURN HILLS, MI

4

   

22

7

COMMERCIAL FEDERAL MTG. CORP.

OMAHA, NE

     

1

2

COMMUNITY BANK

KATY, TX

4

4

4

1

3

COMMUNITY STATE BANK

HOUSTON, TX

4

4

4

6

3

COMPASS BANK - HOUSTON

HOUSTON, TX

4

4

4

341

2

COMPASS MORTGAGE CORP.

BIRMINGHAM, AL

4

   

28

5

CONTINENTAL FCU FOR 199T

EL SEGUNDO, CA

     

2

7

CORNERSTONE MORTGAGE COMPANY

HOUSTON, TX

   

4

614

7

CORPORATE MORTGAGE SERVICES, I

ST. LOUIS, MO

     

4

7

COUNTRYWIDE FUNDING CORPORATIO

PASADENA, CA

     

2342

3

CROSBY STATE BANK

CROSBY, TX

4

4

 

4

1

CROSSLAND MORTGAGE CORP.

SALT LAKE CITY, UT

4

   

697

7

CTX MORTGAGE COMPANY

DALLAS, TX

     

1,532

2

CUB FUNDING CORP.

CALABASAS, CA

4

   

20

7

CUNA MORTGAGE CORP.

MIDDLETON, WI

     

30

7

DAVIS-PENN MORTGAGE CO.

HOUSTON, TX

   

4

23

3

DAYTON STATE BANK

DAYTON, TX

4

4

 

30

7

DIRECTORS MORTGAGE LOAN CORP

RIVERSIDE, CA

     

154

5

DRESSER CENTRAL CU

HOUSTON, TX

   

4

4

5

DU PONT LA PORTE FCU

LA PORTE, TX

   

4

10

7

EMC MORTGAGE CORP.

IRVING, TX

     

3

7

EMPIRE OF AMERICA REALTY CREDI

BUFFALO, NY

     

509

3

ENTERPRISE BANK - HOUSTON

HOUSTON, TX

4

4

4

11

7

EUSTIS MORTGAGE CORP.

NEW ORLEANS, LA

     

58

7

EXPRESS AMERICA MORTGAGE CORP.

SCOTTSDALE, AZ

     

325

4

FARM & HOME SAVINGS ASSOCIATIO

NEVADA, MO

4

   

355

1

FBS MORTGAGE CORP.

ST. PAUL, MN

4

   

8

3

FIRST BANK

HOUSTON, TX

4

4

4

8

3

FIRST BANK & TRUST

CLEVELAND, TX

4

4

4

56

1

FIRST BANK OF CONROE

CONROE, TX

4

4

 

40

3

FIRST BANK OF DEER PARK

DEER PARK, TX

4

4

 

4

1

FIRST BANK OF TEXAS

TOMBALL, TX

4

4

4

10

7

FIRST COMMERCE MORTGAGE

CORPUS CHRISTI, TX

     

5

5

FIRST COMMUNITY CU

HOUSTON, TX

   

4

14

7

FIRST FRANKLIN

SAN JOSE, CA

     

277

4

FIRST HEIGHTS BANK,FSB

HOUSTON, TX

4

4

4

126

1

FIRST INTERSTATE BANK OF TEXAS

HOUSTON, TX

4

4

4

774

1

FIRST NAT'L BANK OF BELLAIRE

BELLAIRE, TX

4

4

4

2

1

FIRST NATIONAL BANK OF DAYTON

DAYTON, TX

4

4

 

10

1

FIRST NATIONAL BANK OF MISSOUR

MISSOURI CITY, TX

4

4

 

3

1

FIRST NATIONAL BANK-ROSENBERG

ROSENBERG, TX

4

4

 

29

1

FIRST NATIONAL BANK/CLEVELAND

CLEVELAND, TX

4

4

4

6

7

FIRST NATIONAL SECURITY CORP.

BEAUMONT, TX

   

4

7

4

FIRST NATIONWIDE MORTGAGE CORP

SAN FRANCISCO, CA

4

   

23

1

FIRST NORTHWESTERN BANK

HOUSTON, TX

4

4

4

3

7

FIRST PREFERENCE MORTGAGE CORP

WACO, TX

     

109

3

FIRST PROSPERITY BANK

EL CAMPO, TX

4

4

 

28

7

FIRST TEXAN MORTGAGE GROUP

HOUSTON, TX

   

4

127

2

FIRST UNION MORTGAGE CORP.

CHARLOTTE, NC

4

   

131

4

FIRSTBANC SAVINGS ASSOCIATION

MISSOURI CITY, TX

4

4

4

83

2

FLEET MORTGAGE CORP.

COLUMBIA, SC

4

   

361

2

FLEET REAL ESTATE FUNDING

COLUMBIA, SC

4

   

35

7

FORD CONSUMER FINANCE CO.,INC.

IRVING, TX

     

1616

4

FORT BEND FEDERAL SAVINGS & LO

ROSENBERG, TX

4

4

4

77

1

FROST NATIONAL BANK

SAN ANTONIO, TX

4

4

 

7

7

GE CAPITAL MORTGAGE SERVICES

CHERRY HILL, NJ

     

531

7

GENERAL AMERICAN FINANCIAL COR

COSTA MESA, CA

     

11

7

GMAC MORTGAGE CORP. OF P

ELKINS PARK, PA

     

103

3

GN MORTGAGE CORP.

WEST HILLS, CA

4

   

13

4

GREAT SOUTHWEST BANK, FSB

HOUSTON, TX

4

4

4

80

4

GREAT WESTERN MORTGAGE CORP

NORTHRIDGE, CA

4

   

452

7

GREEN TREE FINANCIAL CORP

ST. PAUL, MN

     

1,836

4

GUARANTY FEDERAL BANK, F.S.B.

DALLAS, TX

4

4

 

156

3

GUARDIAN BANK OF HOUSTON

HOUSTON, TX

4

4

4

1

7

GUARDIAN MORTGAGE COMPANY, INC

RICHARDSON, TX

   

4

5

4

GUARDIAN SAVINGS & LOAN ASSN

HOUSTON, TX

4

4

4

571

5

GULF COAST EDUCATORS FCU

PASADENA, TX

   

4

37

7

HAMILTON FINANCIAL CORP.

SAN FRANCISCO, CA

     

353

7

HAMMERSMITH FINANCIAL CORP.

HOUSTON, TX

   

4

520

7

HARBOR FINANCIAL MORTGAGE CORP

HOUSTON, TX

   

4

670

3

HARRISBURG BANK

HOUSTON, TX

4

4

4

4

3

HERITAGE BANK

WHARTON, TX

4

4

 

14

3

HIGHLANDS STATE BANK

HIGHLANDS, TX

4

4

 

22

7

HOME LOAN CORP.

AUSTIN, TX

     

417

7

HOME OWNERS FUNDING CORP.

DALLAS, TX

     

68

4

HOME SAVINGS OF AMERICA, F.A.

IRWINDALE, CA

4

   

1,265

4

HOUSTON COMMUNITY BANK N.A.

HOUSTON, TX

4

4

 

1

1

HOUSTON NATIONAL BANK

HOUSTON, TX

4

4

4

11

4

HOUSTON SA

HOUSTON, TX

4

4

4

140

4

HSA RESIDENTIAL MORTGAGE

HOUSTON, TX

4

 

4

13

4

HUMBLE NATIONAL BANK

HUMBLE, TX

4

4

4

6

1

HUMBLE NATIONAL BANK

HUMBLE, TX

4

4

 

39

7

ICM MORTGAGE CORP.

GREENWOOD VILLEGE,CO

     

750

7

IMPERIAL CREDIT INDUSTERIES

SANTA ANA HEIGHTS, CA

     

24

1

INDEPENDENCE BANK, N.A.

HOUSTON, TX

4

4

4

5

1

INDEPENDENCE ONE MORTGAGE CORP

FARMINGTON HILLS, MI

4

   

498

5

JSC FCU

HOUSTON, TX

   

4

2

3

KEYCORP MORTGAGE INC.

CLEVELAND, OH

4

   

39

1

KINGWOOD BANK, N.A.

KINGWOOD, TX

4

4

4

7

3

KLEIN BANK

HOUSTON, TX

4

4

4

6

7

KNUTSON MORTGAGE CORP.

BLOOMINGTON, MN

     

36

3

LA PORTE STATE BANK

LA PORTE, TX

4

4

4

5

1

LANGHAM CREEK NATIONAL BANK

HOUSTON, TX

4

4

4

9

3

LENNAR FUNDING CORP.

MIAMI, FL

4

   

3

4

LIBERTY SAVINGS ASSOCIATION

HOUSTON, TX

4

4

4

357

4

LINCOLN SERVICE MORTGAGE CORP.

OWENSBORO, KY

4

   

48

7

LOAN AMERICA FINANCIAL CORP

MIAMI LAKES, FL

     

2

5

LOCKHEED FCU

BURBANK, CA

     

8

7

LOMAS MORTGAGE USE

DALLAS, TX

     

21

1

LONE STAR BANK, N.A.

HOUSTON, TX

4

4

4

13

7

MARGARETTEN & COMPANY, INC

EDISON, NJ

     

133

2

MARINE MIDLAND MORTGAGE CORP.

BUFFALO, NY

4

   

7

2

MARKET STREET MORTGAGE CORP.

CLEARWATER, FL

4

   

173

7

MATRIX FINANCIAL SERVICES CORP

ATLANTA, GA

     

5

7

MCAFEE MORTGAGE & INVESTMENT

LUBBOCK, TX

     

3

7

MEDALLION MORTGAGE COMPANY

SAN JOSE, CA

     

444

1

MELLON MORTGAGE COMPANY

HOUSTON, TX

4

 

4

849

3

MERCHANTS BANK

HOUSTON, TX

4

4

4

35

2

MERIDIAN MORTGAGE CORP.

READING, PA

4

   

4

7

MERITECH MORTGAGE SERVICES,INC

FORT WORTH, TX

     

2

7

MERRILL LYNCH CREDIT CORP

JACKSONVILLE, FL

     

58

4

METMOR FINANCIAL, INC.

OVERLAND PARK, KS

4

   

12

1

METROBANK, N. A.

HOUSTON, TX

4

4

4

20

7

MILESTONE MORTGAGE CORP.

HOUSTON, TX

   

4

122

7

MITCHELL MORTGAGE COMPANY

THE WOODLANDS, TX

     

149

7

MOLTON, ALLEN & WILLIAMS CORP.

BIRMINGHAM, AL

     

7

7

MOMENTUM MORTGAGE GROUP, INC.

HOUSTON, TX

   

4

255

7

MORTGAGE PLUS INCORPORATED

GREENWOOD VILLAGE,CO

     

29

7

MOUNTAIN STATES MORTGAGE

SANDY, UT

     

2

4

MUTUAL SAVINGS BANK, F.S.B.

BAY CITY, MI

4

   

40

1

NATIONAL BANK OF CONROE

CONROE, TX

4

4

 

63

1

NATIONAL COMMERCE BANK

HOUSTON, TX

4

4

4

15

7

NATIONAL PACIFIC MORTGAGE CORP

ANAHEIM, CA

     

141

1

NATIONSBANK MORTGAGE CO.

DALLAS, TX

4

4

 

1373

1

NATIONSBANK OF TEXAS-- N.A.

DALLAS, TX

4

4

 

173

3

NAVIGATION BANK

HOUSTON, TX

4

4

4

3

7

NORTH AMERICAN MORTGAGE CO

SANTA ROSA, CA

     

2,669

1

NORTHERN TRUST BANK OF TEXAS

DALLAS, TX

4

4

 

12

3

NORTHWEST BANK

HOUSTON, TX

4

4

4

6

1

NORWEST MORTGAGE

DES MOINES, IA

4

   

181

2

NORWEST MORTGAGE, INC.

DES MOINES, IA

4

   

940

7

NOVUS FINANCIAL CORP.

RIVERWOODS, IL

     

3

7

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

     

196

7

OAKWOOD ACCEPTANCE CORP.

GREENSBORO, NC

     

2,339

7

OCCIDENTAL MORTGAGE CORP.

COVINA, CA

     

196

3

OMNIBANK, N.A.

HOUSTON, TX

4

4

4

6

3

P0ST OAK BANK

HOUSTON, TX

4

4

4

17

4

PACIFIC SOUTHWEST BANK

CORPUS CHRISTI, TX</