NEW YORK (TheStreet) -- As the stock market wraps up a record-breaking year, TheStreet's Jim Cramer has selected 12 sectors where he thinks investors should put their money.

Among them is housing. In each of Cramer's 12 sectors, "you can almost throw darts and win with a couple of rare exceptions," he wrote in Here Are 12 Sectors to Bet On on the Real Money Web site.

"It's taken some time, but housing's finally become a favorite. How did this happen? I think it's the easier lending standards that are being adopted allowing lower FICO scores. It can also be lower gasoline as a spending boost," Cramer wrote. FICO scores evaluate a borrower's creditworthiness.

Five of the eight stocks Cramer mentions are a part of the S&P Homebuilders Select Industry Index. The Index is flat for the year compared to the S&P 500, which is up 12%.

We've listed Cramer's picks alongside the TheStreet Ratings, TheStreet's proprietary stock rating tool that projects a stock's total return potential over a 12-month period including both price appreciation and dividends. Based on 30 major data points, TheStreet Ratings uses a quantitative approach to rating stocks. The model is both objective, using elements such as volatility of past operating revenue, financial strength, and company cash flows, and subjective, including expected equities market returns, future interest rates, implied industry outlook and forecasted company earnings.

Cramer's analysis and that of TheStreet Ratings may differ as Cramer may evaluate stocks without regard to time horizon, while TheStreet Ratings uses consensus estimates for the next 12 months only. In addition, changes in TheStreet Ratings may lag Jim Cramer's analysis, as consensus estimates may take some time to change meaningfully.

Read on to see Cramer's picks in the housing industry.

Lennar

Lennar (LEN) - Get Report is one of the country's biggest homebuilders, provides real estate financial services, and offers commercial real estate investment, investment management and finance through its Rialto Investments segment. Lennar also develops multifamily rental properties in select U.S. markets.

Lennar's 2013 sales were approximately $5.9 billion.

Market Cap: $9.3 billion

52-week high: $48 on Nov. 25

52-week low: $34.09 on Dec. 5, 2013

Year-to-date Return: 18%

TheStreet Ratings team rates LENNAR CORP as a Buy with a ratings score of B+. TheStreet Ratings Team has this to say about their recommendation:

"We rate LENNAR CORP (LEN) a BUY. This is driven by multiple strengths, which we believe should have a greater impact than any weaknesses, and should give investors a better performance opportunity than most stocks we cover. The company's strengths can be seen in multiple areas, such as its robust revenue growth, solid stock price performance, attractive valuation levels, good cash flow from operations and compelling growth in net income. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated."

You can view the full analysis from the report here: LEN Ratings Report

Sherwin-Williams

Sherwin-Williams (SHW) - Get Report manufactures and sells paint and paint supplies, stains and equipment to professional, industrial, commercial and retail customers through brands like Sherwin-Williams, Dutch Boy, Krylon, Minwax and Thompson's Water Seal. The Cleveland-based company had approximately 4,000 stores at the end of 2013.

Sherwin-Williams' sales in 2013 totaled $10.2 billion.

Market Cap: $23 billion

52-week high: $249.65 on Nov. 28

52-week low: $170.63 on Dec. 17, 2013

Year-to-date Return: 33%

TheStreet Ratings team rates SHERWIN-WILLIAMS CO as a Buy with a ratings score of A+. TheStreet Ratings Team has this to say about their recommendation:

"We rate SHERWIN-WILLIAMS CO (SHW) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its revenue growth, notable return on equity, expanding profit margins, good cash flow from operations and solid stock price performance. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated."

You can view the full analysis from the report here: SHW Ratings Report

PPG Industries

PPG Industries (PPG) - Get Report manufactures and distributes a broad range of coatings, optical and specialty materials and glass products. The company is comprised of five reportable business segments: Performance Coatings, Industrial Coatings, Architectural Coatings - EMEA (Europe, Middle East and Africa), Optical and Specialty Materials and Glass.

PPG had sales of $15.1 billion in 2013.

Market Cap: $30 billion

52-week high: $222.24 on Dec. 2

52-week low: $171.56 on Oct. 16

Year-to-date Return: 16%

TheStreet Ratings team rates PPG INDUSTRIES INC as a Buy with a ratings score of A-. TheStreet Ratings Team has this to say about their recommendation:

"We rate PPG INDUSTRIES INC (PPG) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its solid stock price performance, impressive record of earnings per share growth, increase in net income, revenue growth and largely solid financial position with reasonable debt levels by most measures. We feel these strengths outweigh the fact that the company shows weak operating cash flow."

You can view the full analysis from the report here: PPG Ratings Report

Whirlpool

Whirlpool (WHR) - Get Report manufactures and distributes small and large home appliances under the Whirlpool, Maytag, KitchenAid and Jenn-Air brands, among others.

Whirlpool had sales of $18.8 billion in 2013.

Market Cap: $14 billion

52-week high: $186.84 on Dec. 1

52-week low: $124.39 on Feb. 3

Year-to-date Return: 18%

TheStreet Ratings team rates WHIRLPOOL CORP as a Buy with a ratings score of A+. TheStreet Ratings Team has this to say about their recommendation:

"We rate WHIRLPOOL CORP (WHR) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its revenue growth, solid stock price performance, growth in earnings per share, increase in net income and attractive valuation levels. We feel these strengths outweigh the fact that the company shows low profit margins."

You can view the full analysis from the report here: WHR Ratings Report

Home Depot

Home Depot (HD) - Get Report  is the largest do-it-yourself home improvement and construction retailer, operating approximately 2,300 stores in the U.S., Canada and Mexico.

Home Depot's fiscal 2013 sales totaled $78.8 billion.

Market Cap: $129 billion

52-week high: $99.80 on Nov. 28

52-week low: $73.96 on Feb. 5

Year-to-date Return: 19%

TheStreet Ratings team rates HOME DEPOT INC as a Buy with a ratings score of A+. TheStreet Ratings Team has this to say about their recommendation:

"We rate HOME DEPOT INC (HD) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its solid stock price performance, impressive record of earnings per share growth, revenue growth, notable return on equity and expanding profit margins. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated."

You can view the full analysis from the report here: HD Ratings Report

Lowe's

Lowe's (LOW) - Get Report is the second-largest home improvement retailer, operating 1,832 stores across the U.S., Canada and Mexico.

Lowe's had sales totaling $53.4 billion in 2013.

Market Cap: $63 billion

52-week high: $64.14 on Nov. 25

52-week low: $44.13 on May 15

Year-to-date Return: 29%

TheStreet Ratings team rates LOWE'S COMPANIES INC as a Buy with a ratings score of A+. TheStreet Ratings Team has this to say about their recommendation:

"We rate LOWE'S COMPANIES INC (LOW) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its impressive record of earnings per share growth, increase in net income, revenue growth, good cash flow from operations and solid stock price performance. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated."

You can view the full analysis from the report here: LOW Ratings Report

Williams-Sonoma

High-end specialty home furnishings retailer Williams-Sonoma (WSM) - Get Report operates through several brands including Pottery Barn, PBteen, West Elm and its flagship brand, among others.

Williams-Sonoma had total sales of $4.4 billion in 2013.

Market Cap: $6.8 billion

52-week high: $76.64 on Nov. 21

52-week low: $52.30 on Jan. 31

Year-to-date Return: 25%

TheStreet Ratings team rates WILLIAMS-SONOMA INC as a Buy with a ratings score of A-. TheStreet Ratings Team has this to say about their recommendation:

"We rate WILLIAMS-SONOMA INC (WSM) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its revenue growth, solid stock price performance, growth in earnings per share, good cash flow from operations and increase in net income. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results."

You can view the full analysis from the report here: WSM Ratings Report

Stanley Black & Decker

Stanley Black & Decker (SWK) - Get Reportmanufactures hand and power tools and accessories for consumer and professional use under a variety of brands including DeWalt, Stanley Tools and Black & Decker, among others.

The company had total revenue of $11 billion in 2013.

Market Cap: $15 billion

52-week high: $96.55 on Nov. 13

52-week low: $75 on Feb. 5

Year-to-date Return: 17%

TheStreet Ratings team rates STANLEY BLACK & DECKER INC as a Buy with a ratings score of A. TheStreet Ratings Team has this to say about their recommendation:

"We rate STANLEY BLACK & DECKER INC (SWK) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its revenue growth, impressive record of earnings per share growth, increase in net income, expanding profit margins and good cash flow from operations. Although no company is perfect, currently we do not see any significant weaknesses which are likely to detract from the generally positive outlook."

You can view the full analysis from the report here: SWK Ratings Report

-- Written by Laurie Kulikowski in New York.

Follow @LKulikowski