Embrace Home Loans, Inc. mortgage approval rate & lending review
Embrace Home Loans, Inc. decided 14,973 mortgage applications and funded 12,708 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Embrace Home Loans, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to embracehomeloans.com.
Embrace Home Loans, Inc. at a glance
Approval is 5.7 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 11,566 / 12,202 | 94% | $425K | 10,830 |
| Home improvement loans | 65% | 37 / 57 | 92% | $255K | 34 |
| Cash-out refinance | 60% | 613 / 1,028 | 87% | $325K | 534 |
| Refinance | 81% | 581 / 715 | 90% | $525K | 522 |
| Investment property purchase | 92% | 751 / 812 | 91% | $315K | 687 |
| Investment cash-out refinance | 61% | 54 / 88 | 91% | $295K | 49 |
| Investment refinance | 78% | 45 / 58 | 98% | $455K | 44 |
Embrace Home Loans, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 91% | $415K | 2,707 | 2,280 |
| Florida | 91% | $315K | 2,171 | 1,810 |
| New York | 92% | $505K | 2,005 | 1,709 |
| New Jersey | 95% | $545K | 1,685 | 1,490 |
| Virginia | 95% | $575K | 1,606 | 1,444 |
| Alabama | 93% | $185K | 842 | 748 |
| Massachusetts | 90% | $495K | 792 | 673 |
| Pennsylvania | 88% | $285K | 559 | 458 |
| Delaware | 91% | $345K | 456 | 389 |
| District of Columbia | 91% | $555K | 237 | 199 |
| Rhode Island | 87% | $405K | 235 | 192 |
| New Hampshire | 94% | $405K | 215 | 190 |
| Maine | 93% | $415K | 205 | 178 |
| Texas | 77% | $405K | 158 | 111 |
| California | 77% | $645K | 127 | 86 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Embrace Home Loans, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Suffolk County, NY | Mortgage lenders | 97% | 946 | 864 |
| Mobile County, AL | Mortgage lenders | 95% | 695 | 630 |
| Montgomery County, MD | Mortgage lenders | 96% | 508 | 470 |
| Brevard County, FL | Mortgage lenders | 95% | 534 | 465 |
| Prince George's County, MD | Mortgage lenders | 90% | 531 | 446 |
| Fairfax County, VA | Mortgage lenders | 98% | 471 | 445 |
| Nassau County, NY | Mortgage lenders | 96% | 460 | 410 |
| Somerset County, NJ | Mortgage lenders | 99% | 330 | 307 |
| Lee County, FL | Mortgage lenders | 92% | 276 | 243 |
| Anne Arundel County, MD | Mortgage lenders | 94% | 261 | 224 |
| Prince William County, VA | Mortgage lenders | 96% | 213 | 197 |
| Morris County, NJ | Mortgage lenders | 99% | 202 | 192 |
The county markets where Embrace Home Loans, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Embrace Home Loans, Inc.
What is Embrace Home Loans, Inc.'s mortgage approval rate?
Embrace Home Loans, Inc. approved 91.2% of the 14,973 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Embrace Home Loans, Inc. offers?
Borrowers accepted 93% of the loans Embrace Home Loans, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Embrace Home Loans, Inc. make?
The typical home purchase mortgage loan Embrace Home Loans, Inc. made was $425K; across all loan types its typical loan ran from $255K to $525K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Embrace Home Loans, Inc. lend?
Embrace Home Loans, Inc. decided applications in 46 of the states Fat Boy Data covers, most of them in Maryland, Florida and New York.
Can I apply to Embrace Home Loans, Inc. directly?
Yes. Embrace Home Loans, Inc. reports as a direct lender that takes applications from borrowers. Its website is embracehomeloans.com.
Does this page show Embrace Home Loans, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Embrace Home Loans, Inc. treats applications, then get a rate quote from the lender.