Lender in New Jersey · HMDA 2025
Embrace Home Loans, Inc. mortgages in New Jersey
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 561 owner-occupied single-family loans in New Jersey from 595 completed applications.
Its median conventional purchase loan costs were $6,880 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.625% (New Jersey: 6.625%).
Loans in NJ
561
of 595 applications
Denial rate
2.2%
Purchase · NJ 8.4%
Rate spread
+0.07 pts
Conv. · NJ +0.12 pts
Loan amount
$555,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 504 | 473 | 2.2% | 6.625% | +0.07 pts | $6,880 | $555,000 |
| Refinance | 69 | 66 | 2.9% | 6.125% | −0.11 pts | $5,200 | $575,000 |
| Cash-out refinance | 22 | 22 | 0.0% | — | — | — | $405,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Embrace Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Somerset County | 4 | 143 | 3.7% |
| Hunterdon County | 11 | 32 | 2.0% |
| Morris County | 16 | 81 | 1.4% |
| Essex County | 21 | 76 | 1.2% |
| Union County | 22 | 47 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology