EMBRACE HOME LOANS, INC. received 5,973 applications in 2025 and made
4,493 mortgages, in 452 counties across 41 states.
The median rate its borrowers got was 6.500% on a median loan of $385,000.
Of 5,113 decisions, 308 were denials — 6.0%, most often for debt-to-income ratio.
Legal Entity Identifier
213800QUAI2VH5YM6310
Applications received
5,973
Mortgages made
4,493
Denied
308
Approved, not taken up
312
Withdrawn or incomplete
860
Loans bought from other lenders
76
Median rate spread over the prime offer rate
0.186 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
3,862
6.625%
$375,000
4.1%
Refinancing
370
6.125%
$515,000
9.9%
Cash-out refinancing
223
6.500%
$335,000
23.3%
Other purposes
38
6.995%
$165,000
23.2%
Where EMBRACE HOME LOANS, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When EMBRACE HOME LOANS, INC.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.