# EMBRACE HOME LOANS, INC.

> **Canonical URL:** https://saferate.com/lenders/embrace-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EMBRACE HOME LOANS, INC. is a independent mortgage company, headquartered in MIDDLETOWN, RI, serving borrowers nationwide, with 4,367 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 213800QUAI2VH5YM6310
- **Headquarters:** MIDDLETOWN, RI
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 49
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.277%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,112
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,367
- **Dollar Volume:** $2.0 billion
- **Applications Received:** 6,077
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $464,611
- **Average Borrower Income:** $182,438
- **Average Property Value:** $592,680

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 2,867 | +0.286% | $3,024 | Strong 😀 |
| FHA | 83/100 | 961 | +0.512% | $3,658 | Exceptional 🤩 |
| VA | 79/100 | 380 | -0.345% | $2,951 | Strong 😀 |
| Jumbo | 80/100 | 122 | +0.172% | $1,614 | Strong 😀 |
| USDA | 79/100 | 37 | +0.273% | $3,275 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,658 loans, Score: 77/100 (Strong)
- Refinance: 209 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 886 loans, Score: 84/100 (Exceptional)
- Refinance: 75 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 365 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 99 loans, Score: 79/100 (Strong)
- Refinance: 23 loans, Score: 52/100 (Sound)

**USDA:**
- Purchase: 35 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 4,043 | $1.9B | +0.281% | Exceptional 🤩 |
| Refinance | 66/100 | 324 | $156M | +0.233% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 806 | 1.14% | 84/100 |
| VA | 671 | 0.62% | 83/100 |
| FL | 556 | 0.19% | 71/100 |
| NY | 547 | 0.48% | 77/100 |
| NJ | 491 | 0.57% | 80/100 |
| AL | 244 | 0.41% | 74/100 |
| MA | 188 | 0.31% | 67/100 |
| PA | 129 | 0.11% | 61/100 |
| DE | 87 | 0.61% | 65/100 |
| RI | 83 | 0.77% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 464 | 84/100 |
| Arlington | VA-WV | 459 | 83/100 |
| Washington, DC | DC-MD | 275 | 85/100 |
| Non |  | 268 | 60/100 |
| Baltimore | MD | 253 | 76/100 |
| Frederick | MD | 242 | 87/100 |
| Mobile, AL | AL | 215 | 95/100 |
| Newark, NJ | NJ | 206 | 79/100 |
| Lakewood | NJ | 181 | 75/100 |
| Tampa, FL | FL | 168 | 70/100 |
| Palm Bay | FL | 151 | 77/100 |
| New York | NY-NJ | 112 | 63/100 |
| Providence | RI-MA | 103 | 69/100 |
| Cape Coral | FL | 77 | 65/100 |
| Lynchburg, VA | VA | 71 | 73/100 |

## Where This Lender Ranks

EMBRACE HOME LOANS, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Mobile, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Mobile, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Lynchburg, VA for USDA Loans
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Lynchburg, VA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Frederick for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Washington DC for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Washington, DC for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Nassau County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Mobile, AL Mortgage Companies
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Baltimore for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Frederick for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Nassau County for FHA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Lynchburg, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Arlington for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Washington, DC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Mobile, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Maryland for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#13** in Virginia for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#13** in Nassau County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does EMBRACE HOME LOANS, INC. offer?

EMBRACE HOME LOANS, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EMBRACE HOME LOANS, INC. offer mortgages?

EMBRACE HOME LOANS, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are EMBRACE HOME LOANS, INC.'s mortgage rates?

EMBRACE HOME LOANS, INC. has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.277% above market average.

### What type of lender is EMBRACE HOME LOANS, INC.?

EMBRACE HOME LOANS, INC. is a non-depository lender that specializes in mortgage origination, headquartered in MIDDLETOWN, RI.

### What is EMBRACE HOME LOANS, INC.'s loan approval success rate?

EMBRACE HOME LOANS, INC. has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/embrace-home-loans

### How to Cite

> "EMBRACE HOME LOANS, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/embrace-home-loans

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