Embrace Home Loans NMLS #2184
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Who is Embrace Home Loans?
Embrace Home Loans (NMLS #2184) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerEmbrace Home Loans
- NMLS #2184
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 5,113 applications decided by EMBRACE HOME LOANS, INC. in 2025, 4,493 were originated, 312 were approved but not accepted by the borrower, and 308 were denied.
- Median rate spread0.186 (reported on 4,493 originations)
That is an approval rate of 94%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for EMBRACE HOME LOANS, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Embrace Home Loans
Overview
Embrace Home Loans is a mortgage lender offering home purchase and refinance loans. The company also provides borrower information for first-time homebuyers.
Mortgage options
Mortgage options include conventional, FHA, VA, USDA, jumbo, renovation, and adjustable-rate mortgages, along with purchase and refinance loans.
How it works
Borrowers can request a quote and work with a local mortgage loan officer. Embrace Home Loans also provides mortgage calculators for estimating affordability and monthly payment scenarios.
Locations
Embrace Home Loans has 95 branches across 20 states.
Company details and licensing
Embrace Home Loans, Inc. is a corporation formed in Rhode Island, United States, on May 13, 1983. The company’s address is 25 Enterprise Center, Middletown, Rhode Island 02842. NMLS company ID is 2184. Trade names include SimpliBorrow Home Loans, SimpliBorrow Mortgage, and Advanced Financial Services, Inc. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #2184 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Embrace Home Loans's NMLS number?
Embrace Home Loans's NMLS number is 2184. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Embrace Home Loans's NMLS ID?
Yes. We checked Embrace Home Loans's company name and NMLS ID against the NMLS record on June 15, 2026. They've been in our lender network since October 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Embrace Home Loans?
This page has Embrace Home Loans's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.