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Embrace Home Loans: 2025 loan data
Embrace Home Loans's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as EMBRACE HOME LOANS, INC.
- Home loans closed4,493Loans it funded in 2025
- Approval rate94%Of applications it said yes or no to
- Typical loan costs$7,057.99Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,895.00Its own charges to make the loan
What it closes
4,493 home loans closed in 2025
Share of its 2025 home loans: 68% Conventional, 22% FHA, 10% VA and 0% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asEMBRACE HOME LOANS, INC.
- 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.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 94%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 605 applications were withdrawn by the borrower, 255 were closed for incompleteness, and 76 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.186 percentage points above the average prime offer rate (reported on 4,493 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$7,057.99 — originated closed-end household loans, 2025, 4,262 loans. FFIEC HMDA data browser.
- Median origination charges$1,895.00 — originated closed-end household loans, 2025, 4,262 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types3,035 Conventional, 1,006 FHA, 430 VA, 22 USDA — of 4,493 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
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.