Embrace Home Loans, Inc.: 2025 mortgage rates, costs & approvals
How Embrace Home Loans, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: EMBRACE HOME LOANS, INC. · LEI 213800QUAI2VH5YM6310
In 2025, Embrace Home Loans, Inc. originated 3,982 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 38 states — 167th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $6,290, 13% higher than the national median ($5,570).
It denied 3.9% of completed home-purchase applications (all lenders: 8.5%).
How Embrace Home Loans, Inc. priced home-purchase loans
| Purchase loans, 2025 | Embrace Home Loans, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.13 pts | +0.13 pts |
| Total loan costs · conventional | $6,290 | $5,570 |
| Total loan costs · FHA | $11,950 | $11,310 |
| Total loan costs · VA | $8,970 | $6,490 |
| Origination charges (all types) | $1,900 | $1,860 |
| Borrowers paying discount points | 51.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.70% | 0.87% |
| Borrowers receiving lender credits | 34.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Embrace Home Loans, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Embrace Home Loans, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Maryland | 756 | 880 | 4.3% | 6.625% | $5,990 |
| New Jersey | 561 | 595 | 2.2% | 6.625% | $6,880 |
| Florida | 556 | 631 | 5.6% | 6.625% | $6,820 |
| Virginia | 548 | 605 | 2.9% | 6.625% | $5,960 |
| New York | 242 | 288 | 2.8% | 6.625% | $6,880 |
| Massachusetts | 241 | 267 | 3.4% | 6.625% | $5,390 |
| Alabama | 200 | 227 | 6.6% | 6.750% | $5,880 |
| Delaware | 173 | 195 | 5.2% | 6.750% | $6,300 |
| Pennsylvania | 121 | 137 | 3.5% | 6.625% | $6,460 |
| New Hampshire | 121 | 132 | 0.9% | 6.625% | $4,290 |
| Rhode Island | 94 | 109 | 1.4% | 6.750% | $5,490 |
| Maine | 67 | 77 | 6.3% | 6.625% | $4,020 |
| Tennessee | 48 | 55 | 2.2% | 6.500% | $6,930 |
| District of Columbia | 47 | 57 | 5.9% | 6.375% | $6,800 |
| West Virginia | 46 | 53 | 4.5% | — | — |
| Connecticut | 33 | 37 | 0.0% | 6.750% | $5,500 |
| North Carolina | 27 | 30 | — | — | — |
| Texas | 18 | 22 | — | — | — |
| Georgia | 11 | 19 | — | — | — |
| South Carolina | 11 | 13 | — | — | — |
| California | 9 | 12 | — | — | — |
| Indiana | 8 | 8 | — | — | — |
| Mississippi | 7 | 9 | — | — | — |
| Illinois | 5 | 5 | — | — | — |
| Arizona | 4 | 5 | — | — | — |
| Minnesota | 4 | 4 | — | — | — |
| Ohio | 4 | 4 | — | — | — |
| Michigan | 3 | 4 | — | — | — |
| Oregon | 3 | 4 | — | — | — |
| New Mexico | 3 | 3 | — | — | — |
| Colorado | 2 | 2 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Arkansas | 1 | 3 | — | — | — |
| Idaho | 1 | 2 | — | — | — |
| Vermont | 1 | 2 | — | — | — |
| Wisconsin | 1 | 2 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Embrace Home Loans, Inc.'s page for that state.
Counties where Embrace Home Loans, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Worcester County, MD | 5 | 45 | 5.8% |
| Fentress County, TN | 5 | 15 | 5.1% |
| Madison County, VA | 3 | 8 | 4.2% |
| Somerset County, MD | 7 | 9 | 4.0% |
| Wicomico County, MD | 6 | 49 | 3.8% |
| Mobile County, AL | 5 | 178 | 3.8% |
| Somerset County, NJ | 4 | 143 | 3.7% |
| Culpeper County, VA | 10 | 27 | 2.7% |
| King George County, VA | 9 | 14 | 2.6% |
| Sussex County, DE | 12 | 110 | 2.4% |
| Newport County, RI | 10 | 15 | 2.0% |
| Hunterdon County, NJ | 11 | 32 | 2.0% |
| Brevard County, FL | 13 | 193 | 1.7% |
| Morgan County, WV | 13 | 5 | 1.7% |
| Bristol County, RI | 14 | 8 | 1.6% |
Check Embrace Home Loans, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 213800QUAI2VH5YM6310.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Embrace Home Loans, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology