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EMBRACE HOME LOANS, INC.
Independent Mortgage Company|MIDDLETOWN, RI|National
Loans Originated
4,367
Applications
6,077
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.277%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,112
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
EMBRACE HOME LOANS, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 49 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$464,611
Average Borrower Income
$182,438
Average Property Value
$592,680
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 2,867 | 65.7% | +0.286% | $3,024 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 961 | 22.0% | +0.512% | $3,658 |
VA Loans | Sound | Strong | Acceptable | Strong | 380 | 8.7% | -0.345% | $2,951 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 122 | 2.8% | +0.172% | $1,614 |
USDA Loans | Sound | Strong | Acceptable | Strong | 37 | 0.8% | +0.273% | $3,275 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,043 | 92.6% | +0.281% | $3,139 |
Refinance | Sound | Strong | Acceptable | Acceptable | 324 | 7.4% | +0.233% | $2,801 |
Geographic Coverage
Metro Areas
48
States Served
46
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNYOHOKORPARISCSDTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Mobile, AL, ALMSA
Volume: 215Mix: 4.92%
Place Specialization
Exceptional
2
Frederick, MDMSA
Volume: 242Mix: 5.54%
Place Specialization
Exceptional
3
Washington, DC, DC-MDMSA
Volume: 275Mix: 6.30%
Place Specialization
Exceptional
4
Nassau County, NYMSA
Volume: 464Mix: 10.63%
Place Specialization
Exceptional
5
Arlington, VA-WVMSA
Volume: 459Mix: 10.51%
Place Specialization
Exceptional
6
Newark, NJ, NJMSA
Volume: 206Mix: 4.72%
Place Specialization
Strong
7
Palm Bay, FLMSA
Volume: 151Mix: 3.46%
Place Specialization
Strong
8
Baltimore, MDMSA
Volume: 253Mix: 5.79%
Place Specialization
Strong
9
Lakewood, NJMSA
Volume: 181Mix: 4.14%
Place Specialization
Strong
10
Lynchburg, VA, VAMSA
Volume: 71Mix: 1.63%
Place Specialization
Strong
Showing 10 of 48 metro areas
Top States by Place Specialization Score
1
MDState
Volume: 806Mix: 18.46%
Place Specialization
Exceptional
2
VAState
Volume: 671Mix: 15.37%
Place Specialization
Exceptional
3
NJState
Volume: 491Mix: 11.24%
Place Specialization
Exceptional
4
NYState
Volume: 547Mix: 12.53%
Place Specialization
Strong
5
ALState
Volume: 244Mix: 5.59%
Place Specialization
Strong
6
FLState
Volume: 556Mix: 12.73%
Place Specialization
Strong
7
MAState
Volume: 188Mix: 4.31%
Place Specialization
Strong
8
RIState
Volume: 83Mix: 1.90%
Place Specialization
Strong
9
DCState
Volume: 63Mix: 1.44%
Place Specialization
Strong
10
DEState
Volume: 87Mix: 1.99%
Place Specialization
Strong
Showing 10 of 25 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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