What loan types does Embrace Home Loans offer?

Embrace Home Loans offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Embrace Home Loans offer mortgages?

Embrace Home Loans is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Embrace Home Loans's mortgage rates?

Embrace Home Loans has an overall pricing score of 30.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Embrace Home Loans?

Embrace Home Loans is a Independent Mortgage Company headquartered in MIDDLETOWN, RI.

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Embrace Home Loans

Independent Mortgage Company•Middletown, RIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Embrace Home Loans — 4.4k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 48 mkts

Awards

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

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

Explore another lender or local market

Report Card

Embrace Home Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.7 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 49 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$3,024Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	961	22.0%	+0.512%Above	$3,658Fees
VA Loans	Strong	Strong	Acceptable	Strong	380	8.7%	-0.345%Below	$2,951Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	122	2.8%	+0.172%Above	$1,614Fees
USDA Loans	Sound	Strong	Acceptable	Strong	37	0.8%	+0.273%Above	$3,275Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,867

Mix65.7%

Spread

+0.286%Above

Fees

$3,024Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume961

Mix22.0%

Spread

+0.512%Above

Fees

$3,658Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume380

Mix8.7%

Spread

-0.345%Below

Fees

$2,951Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume122

Mix2.8%

Spread

+0.172%Above

Fees

$1,614Fees

USDA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume37

Mix0.8%

Spread

+0.273%Above

Fees

$3,275Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	4,043	92.6%	+0.281%Above	$3,139Fees
Refinance	Sound	Strong	Acceptable	Acceptable	324	7.4%	+0.233%Above	$2,801Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,043

Mix92.6%

Spread

+0.281%Above

Fees

$3,139Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Acceptable

Volume324

Mix7.4%

Spread

+0.233%Above

Fees

$2,801Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,367

Applications

6,077

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.277%

vs. market APOR

Avg Net Fees

$3,112

Origination − Credits

Pullthrough Rate

71.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$464,611

Avg Borrower Income

$182,438

Avg Property Value

$592,680

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest11

IAILINKSMIMNMONEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West9

AZCACOIDMTNMORUTWA

Top Metro Areas by Place Specialization Score

1© James Willamor · CC BY-SA 2.0

Mobile, ALMetro

Volume 215Mix 4.92% of portfolio

95/100

Exceptional

2© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 242Mix 5.54% of portfolio

87/100

Exceptional

3© Ad Meskens · CC BY-SA 3.0

Washington, DC, DC-MDMetro

Volume 275Mix 6.30% of portfolio

85/100

Exceptional

Nassau County, NYMetro

Volume 464Mix 10.63% of portfolio

84/100

Exceptional

Arlington, VA-WVMetro

Volume 459Mix 10.51% of portfolio

83/100

Exceptional

Newark, NJMetro

Volume 206Mix 4.72% of portfolio

79/100

Strong

Palm Bay, FLMetro

Volume 151Mix 3.46% of portfolio

77/100

Strong

Baltimore, MDMetro

Volume 253Mix 5.79% of portfolio

76/100

Strong

Lakewood, NJMetro

Volume 181Mix 4.14% of portfolio

75/100

Strong

Lynchburg, VAMetro

Volume 71Mix 1.63% of portfolio

73/100

Strong

Showing 10 of 48 metro areas

Top States by Place Specialization Score

MarylandState

Volume 806Mix 18.46% of portfolio

84/100

Exceptional

VirginiaState

Volume 671Mix 15.37% of portfolio

83/100

Exceptional

New JerseyState

Volume 491Mix 11.24% of portfolio

80/100

Exceptional

New YorkState

Volume 547Mix 12.53% of portfolio

77/100

Strong

AlabamaState

Volume 244Mix 5.59% of portfolio

74/100

Strong

FloridaState

Volume 556Mix 12.73% of portfolio

71/100

Strong

MassachusettsState

Volume 188Mix 4.31% of portfolio

67/100

Strong

Rhode IslandState

Volume 83Mix 1.90% of portfolio

67/100

Strong

Washington, DCState

Volume 63Mix 1.44% of portfolio

66/100

Strong

DelawareState

Volume 87Mix 1.99% of portfolio

65/100

Strong

Showing 10 of 25 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.