What Verdica's 796 score means for PETER MERRILL STEWART
A Verdica composite score of 796 places PETER MERRILL STEWART in the "excellent" band (800–850 range is excellent; 740–799 is strong). At 796, this entity falls just below the highest tier but remains firmly in the strong-to-excellent range. This score reflects a record built on regulatory compliance data, customer complaint history, and business profile information drawn from state licensing authorities, federal consumer protection agencies, and HUD enforcement records.
For a business owner or consumer evaluating this provider, a 796 score signals low regulatory risk and a track record aligned with industry standards. The entity has not triggered significant red flags in the data sources Verdica monitors. That said, the score is not perfect—there is marginal room between this provider and the absolute top tier. This typically reflects either minor historical issues that have been resolved, or ongoing activity across one or more compliance dimensions that regulators continue to track.
How the sub-scores break down
License & Compliance: 850
This is a perfect score. It indicates that PETER MERRILL STEWART maintains active, valid licensure and has not accumulated substantive regulatory violations or disciplinary actions in state licensing commission records. A score of 850 in this dimension means the provider meets all baseline statutory requirements and is in good standing with the regulatory bodies that oversee real estate professionals. This is the foundation of legitimacy in the industry.
Complaints: 800
This score is very high, placing the entity well above the median. It reflects a low complaint ratio relative to regulatory thresholds tracked by the CFPB and HUD. Real estate providers accumulate complaint data through federal consumer protection channels; a score of 800 suggests either few complaints have been filed, or complaints that were filed did not result in substantiated enforcement action or significant pattern findings. This does not mean zero complaints—it means the complaint history is within acceptable bounds and does not indicate systemic issues.
Business Profile: 705
This sub-score is notably lower than the other two, falling into the acceptable range. In real estate compliance, business profile scoring typically reflects operational transparency, verification of business registration, consistency of information across public records, and alignment with industry norms. A score of 705 suggests the entity's business profile is present and verifiable but may have minor gaps—such as inconsistencies in filed information, slower updates to regulatory filings, or incomplete public business credentials. It is not a red flag, but it indicates less-than-perfect operational clarity compared to the License & Compliance dimension.
What regulators track for real estate providers
State licensing commissions maintain records of individual broker and agent credentials, disciplinary actions, license renewals, and complaints. They enforce statutory requirements around trust account management, disclosure practices, and conduct standards. The CFPB (Consumer Financial Protection Bureau) collects complaints about mortgage lending, servicing, and related real estate financial services, flagging patterns that may indicate unfair or deceptive practices. HUD (Department of Housing and Urban Development) tracks enforcement actions related to fair housing violations, discrimination, and program fraud in federally backed transactions.
A provider's score moves based on whether regulators find violations of licensing law, substantiated consumer complaints, fair housing infractions, or failures to maintain required documentation or trust accounts. High scores indicate compliance; lower scores may reflect past violations that are now resolved, ongoing monitoring, or pattern findings.
Bottom line
PETER MERRILL STEWART presents a strong compliance profile with excellent standing in licensing and complaints history. A prospective client should confirm current licensure status directly with the state regulator and cross-check any business profile information with official filings, given the slightly lower business profile sub-score.