Lender in Maryland · HMDA 2025
Embrace Home Loans, Inc. mortgages in Maryland
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 756 owner-occupied single-family loans in Maryland from 880 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $5,990 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
756
of 880 applications
Denial rate
4.3%
Purchase · MD 8.6%
Rate spread
+0.16 pts
Conv. · MD +0.14 pts
Loan amount
$395,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 751 | 669 | 4.3% | 6.625% | +0.16 pts | $5,990 | $395,000 |
| Refinance | 77 | 55 | 16.9% | 6.375% | +0.01 pts | $5,460 | $485,000 |
| Cash-out refinance | 52 | 32 | 34.6% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Embrace Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Worcester County | 5 | 45 | 5.8% |
| Wicomico County | 6 | 49 | 3.8% |
| Somerset County | 7 | 9 | 4.0% |
| Montgomery County | 16 | 161 | 1.5% |
| Washington County | 18 | 28 | 1.4% |
| Prince George's County | 19 | 127 | 1.1% |
| Howard County | 19 | 54 | 1.3% |
| Frederick County | 20 | 55 | 1.2% |
| Charles County | 23 | 31 | 0.9% |
| Dorchester County | 23 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology