Embrace Home Loans, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Embrace Home Loans, Inc. of Middletown, RI reported 6,630 mortgage applications totaling $3.0 billion, down 15% from 2024. The average application was for $446,209, and applicants reported an average income of $177,942. 68% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (576), Washington, DC-MD (351) and Baltimore-Columbia-Towson, MD (328) (applications in parentheses).
| Mortgage Company & Address | Embrace Home Loans, Inc. 25 Enterprise Center Middletown, RI 02842 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,630 |
| Total Mortgage Loan Application Amount | $2,958,370,000 |
| Average Mortgage Loan Application Amount | $446,209 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $177,942 |
| Highest Applicant Income | $8,367,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Embrace Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brevard, Florida | 318 | $ 108,010,000 | $ 339,654 | $ 132,000 |
| Mobile, Alabama | 279 | $ 51,475,000 | $ 184,498 | $ 79,000 |
| Montgomery, Maryland | 234 | $ 122,730,000 | $ 524,487 | $ 223,000 |
| Prince George's, Maryland | 213 | $ 92,715,000 | $ 435,281 | $ 151,000 |
| Fairfax, Virginia | 209 | $ 135,745,000 | $ 649,497 | $ 250,000 |
| Sussex, Delaware | 189 | $ 72,935,000 | $ 385,899 | $ 173,000 |
| Somerset, New Jersey | 179 | $ 104,505,000 | $ 583,826 | $ 250,000 |
| Suffolk, New York | 151 | $ 84,685,000 | $ 560,827 | $ 267,000 |
| Middlesex, Massachusetts | 117 | $ 77,485,000 | $ 662,264 | $ 238,000 |
| Worcester, Maryland | 108 | $ 37,070,000 | $ 343,240 | $ 201,000 |
| Morris, New Jersey | 104 | $ 68,950,000 | $ 662,980 | $ 294,000 |
| Essex, New Jersey | 96 | $ 70,460,000 | $ 733,958 | $ 326,000 |
| Nassau, New York | 95 | $ 62,105,000 | $ 653,736 | $ 274,000 |
| District of Columbia, District Of Columbia | 92 | $ 59,830,000 | $ 650,326 | $ 214,000 |
| Lee, Florida | 92 | $ 26,850,000 | $ 291,847 | $ 109,000 |
| Howard, Maryland | 89 | $ 44,565,000 | $ 500,730 | $ 206,000 |
| Prince William, Virginia | 85 | $ 44,215,000 | $ 520,176 | $ 160,000 |
| Worcester, Massachusetts | 81 | $ 35,985,000 | $ 444,259 | $ 149,000 |
| Anne Arundel, Maryland | 80 | $ 38,790,000 | $ 484,875 | $ 177,000 |
| Baltimore, Maryland | 71 | $ 30,225,000 | $ 425,704 | $ 143,000 |
| Loudoun, Virginia | 71 | $ 44,545,000 | $ 627,394 | $ 215,000 |
| Wicomico, Maryland | 69 | $ 19,085,000 | $ 276,594 | $ 89,000 |
| Frederick, Maryland | 68 | $ 30,430,000 | $ 447,500 | $ 150,000 |
| Hillsborough, Florida | 65 | $ 23,655,000 | $ 363,923 | $ 156,000 |
| Hillsborough, New Hampshire | 63 | $ 28,025,000 | $ 444,841 | $ 160,000 |
| New Castle, Delaware | 60 | $ 20,830,000 | $ 347,166 | $ 131,000 |
| Union, New Jersey | 55 | $ 37,555,000 | $ 682,818 | $ 260,000 |
| Rockingham, New Hampshire | 51 | $ 23,955,000 | $ 469,705 | $ 184,000 |
| Middlesex, New Jersey | 50 | $ 24,630,000 | $ 492,600 | $ 179,000 |
| Providence, Rhode Island | 48 | $ 19,660,000 | $ 409,583 | $ 149,000 |
| Marion, Florida | 47 | $ 15,065,000 | $ 320,531 | $ 125,000 |
| Charles, Maryland | 46 | $ 22,500,000 | $ 489,130 | $ 165,000 |
| Norfolk, Massachusetts | 44 | $ 23,580,000 | $ 535,909 | $ 178,000 |
| Essex, Massachusetts | 42 | $ 23,450,000 | $ 558,333 | $ 176,000 |
| Hunterdon, New Jersey | 41 | $ 19,825,000 | $ 483,536 | $ 198,000 |
| Berkeley, West Virginia | 40 | $ 11,870,000 | $ 296,750 | $ 102,000 |
| Baltimore City, Maryland | 39 | $ 9,565,000 | $ 245,256 | $ 127,000 |
| Plymouth, Massachusetts | 39 | $ 19,365,000 | $ 496,538 | $ 149,000 |
| Monmouth, New Jersey | 39 | $ 26,195,000 | $ 671,666 | $ 455,000 |
| Bristol, Massachusetts | 38 | $ 17,310,000 | $ 455,526 | $ 141,000 |
| Bergen, New Jersey | 38 | $ 27,470,000 | $ 722,894 | $ 313,000 |
| Washington, Rhode Island | 37 | $ 21,455,000 | $ 579,864 | $ 235,000 |
| Culpeper, Virginia | 37 | $ 15,195,000 | $ 410,675 | $ 144,000 |
| Cumberland, Maine | 36 | $ 15,210,000 | $ 422,500 | $ 147,000 |
| Stafford, Virginia | 35 | $ 17,825,000 | $ 509,285 | $ 134,000 |
| Spotsylvania, Virginia | 34 | $ 16,060,000 | $ 472,352 | $ 147,000 |
| Kent, Delaware | 33 | $ 11,605,000 | $ 351,666 | $ 99,000 |
| Washington, Maryland | 33 | $ 9,555,000 | $ 289,545 | $ 105,000 |
| Merrimack, New Hampshire | 32 | $ 12,180,000 | $ 380,625 | $ 157,000 |
| Ocean, New Jersey | 32 | $ 22,270,000 | $ 695,937 | $ 391,000 |
| Hernando, Florida | 31 | $ 9,985,000 | $ 322,096 | $ 161,000 |
| Carroll, Maryland | 31 | $ 12,785,000 | $ 412,419 | $ 172,000 |
| Charlotte, Florida | 30 | $ 9,120,000 | $ 304,000 | $ 112,000 |
| Queens, New York | 30 | $ 20,040,000 | $ 668,000 | $ 249,000 |
| Kent, Rhode Island | 30 | $ 12,020,000 | $ 400,666 | $ 128,000 |
| Westchester, New York | 29 | $ 14,475,000 | $ 499,137 | $ 197,000 |
| Pasco, Florida | 28 | $ 8,810,000 | $ 314,642 | $ 129,000 |
| Fentress, Tennessee | 28 | $ 6,410,000 | $ 228,928 | $ 104,000 |
| Philadelphia, Pennsylvania | 26 | $ 6,590,000 | $ 253,461 | $ 107,000 |
| Arlington, Virginia | 26 | $ 18,230,000 | $ 701,153 | $ 263,000 |
| Lehigh, Pennsylvania | 25 | $ 6,715,000 | $ 268,600 | $ 103,000 |
| Cumberland, Tennessee | 25 | $ 6,255,000 | $ 250,200 | $ 121,000 |
| Alexandria, Virginia | 25 | $ 13,585,000 | $ 543,400 | $ 224,000 |
| Newport, Rhode Island | 24 | $ 14,370,000 | $ 598,750 | $ 196,000 |
| Baldwin, Alabama | 23 | $ 5,815,000 | $ 252,826 | $ 84,000 |
| Orange, Florida | 23 | $ 9,885,000 | $ 429,782 | $ 184,000 |
| Penobscot, Maine | 23 | $ 5,915,000 | $ 257,173 | $ 122,000 |
| Suffolk, Massachusetts | 23 | $ 15,245,000 | $ 662,826 | $ 284,000 |
| Miami-Dade, Florida | 21 | $ 12,545,000 | $ 597,380 | $ 391,000 |
| Pinellas, Florida | 21 | $ 9,275,000 | $ 441,666 | $ 162,000 |
| York, Maine | 21 | $ 8,905,000 | $ 424,047 | $ 173,000 |
| Capitol Planning Region, Connecticut | 20 | $ 6,520,000 | $ 326,000 | $ 147,000 |
| Mercer, New Jersey | 20 | $ 9,740,000 | $ 487,000 | $ 184,000 |
| Passaic, New Jersey | 20 | $ 9,260,000 | $ 463,000 | $ 157,000 |
| Somerset, Maryland | 19 | $ 4,205,000 | $ 221,315 | $ 120,000 |
| King George, Virginia | 19 | $ 9,505,000 | $ 500,263 | $ 151,000 |
| Polk, Florida | 17 | $ 4,435,000 | $ 260,882 | $ 112,000 |
| Northampton, Pennsylvania | 17 | $ 5,725,000 | $ 336,764 | $ 107,000 |
| Harford, Maryland | 16 | $ 5,770,000 | $ 360,625 | $ 108,000 |
| Hudson, New Jersey | 16 | $ 8,250,000 | $ 515,625 | $ 225,000 |
| Louisa, Virginia | 16 | $ 5,000,000 | $ 312,500 | $ 101,000 |
| Palm Beach, Florida | 15 | $ 7,345,000 | $ 489,666 | $ 226,000 |
| Seminole, Florida | 15 | $ 6,875,000 | $ 458,333 | $ 203,000 |
| Bristol, Rhode Island | 15 | $ 8,475,000 | $ 565,000 | $ 186,000 |
| Franklin, Pennsylvania | 14 | $ 2,590,000 | $ 185,000 | $ 87,000 |
| York, Pennsylvania | 14 | $ 4,490,000 | $ 320,714 | $ 136,000 |
| Sussex, New Jersey | 13 | $ 4,925,000 | $ 378,846 | $ 158,000 |
| Richmond, New York | 13 | $ 7,865,000 | $ 605,000 | $ 717,000 |
| Albemarle, Virginia | 13 | $ 6,295,000 | $ 484,230 | $ 260,000 |
| Hampton, Virginia | 12 | $ 3,660,000 | $ 305,000 | $ 100,000 |
| Jefferson, West Virginia | 12 | $ 4,360,000 | $ 363,333 | $ 93,000 |
| Barnstable, Massachusetts | 11 | $ 5,985,000 | $ 544,090 | $ 166,000 |
| Delaware, Pennsylvania | 11 | $ 3,485,000 | $ 316,818 | $ 177,000 |
| Fauquier, Virginia | 11 | $ 4,665,000 | $ 424,090 | $ 159,000 |
| Orange, Virginia | 11 | $ 3,905,000 | $ 355,000 | $ 89,000 |
| Sarasota, Florida | 10 | $ 3,500,000 | $ 350,000 | $ 114,000 |
| Kennebec, Maine | 10 | $ 2,660,000 | $ 266,000 | $ 101,000 |
| Calvert, Maryland | 10 | $ 4,090,000 | $ 409,000 | $ 159,000 |
| St. Mary's, Maryland | 10 | $ 6,040,000 | $ 604,000 | $ 169,000 |
| Strafford, New Hampshire | 10 | $ 4,260,000 | $ 426,000 | $ 155,000 |
| Volusia, Florida | 9 | $ 2,705,000 | $ 300,555 | $ 176,000 |
| Cecil, Maryland | 9 | $ 2,835,000 | $ 315,000 | $ 93,000 |
| Dorchester, Maryland | 9 | $ 2,645,000 | $ 293,888 | $ 165,000 |
| New York, New York | 9 | $ 4,865,000 | $ 540,555 | $ 361,000 |
| Chester, Pennsylvania | 9 | $ 5,295,000 | $ 588,333 | $ 205,000 |
| Chesterfield, Virginia | 9 | $ 3,485,000 | $ 387,222 | $ 174,000 |
| Madison, Virginia | 9 | $ 2,575,000 | $ 286,111 | $ 100,000 |
| Newport News, Virginia | 9 | $ 2,555,000 | $ 283,888 | $ 130,000 |
| Broward, Florida | 8 | $ 3,780,000 | $ 472,500 | $ 163,000 |
| Citrus, Florida | 8 | $ 2,080,000 | $ 260,000 | $ 152,000 |
| St. Lucie, Florida | 8 | $ 2,590,000 | $ 323,750 | $ 168,000 |
| Warren, New Jersey | 8 | $ 2,680,000 | $ 335,000 | $ 112,000 |
| Berks, Pennsylvania | 8 | $ 2,980,000 | $ 372,500 | $ 113,000 |
| Bucks, Pennsylvania | 8 | $ 3,270,000 | $ 408,750 | $ 128,000 |
| Montgomery, Pennsylvania | 8 | $ 3,530,000 | $ 441,250 | $ 182,000 |
| Harris, Texas | 8 | $ 4,100,000 | $ 512,500 | $ 331,000 |
| Bedford, Virginia | 8 | $ 2,420,000 | $ 302,500 | $ 113,000 |
| Campbell, Virginia | 8 | $ 2,090,000 | $ 261,250 | $ 88,000 |
| Fairfax City, Virginia | 8 | $ 4,570,000 | $ 571,250 | $ 286,000 |
| Frederick, Virginia | 8 | $ 2,790,000 | $ 348,750 | $ 133,000 |
| Northeastern Connecticut Planning Region, Connecticut | 7 | $ 2,275,000 | $ 325,000 | $ 140,000 |
| Western Connecticut Planning Region, Connecticut | 7 | $ 5,455,000 | $ 779,285 | $ 338,000 |
| Manatee, Florida | 7 | $ 2,775,000 | $ 396,428 | $ 226,000 |
| Jackson, Mississippi | 7 | $ 1,225,000 | $ 175,000 | $ 82,000 |
| Carroll, New Hampshire | 7 | $ 2,905,000 | $ 415,000 | $ 175,000 |
| Dutchess, New York | 7 | $ 1,985,000 | $ 283,571 | $ 125,000 |
| Kings, New York | 7 | $ 7,035,000 | $ 1,005,000 | $ 430,000 |
| Brunswick, North Carolina | 7 | $ 2,845,000 | $ 406,428 | $ 181,000 |
| Cumberland, Pennsylvania | 7 | $ 1,885,000 | $ 269,285 | $ 37,000 |
| Putnam, Tennessee | 7 | $ 1,925,000 | $ 275,000 | $ 95,000 |
| Warren, Virginia | 7 | $ 2,095,000 | $ 299,285 | $ 98,000 |
| Orange, California | 6 | $ 3,820,000 | $ 636,666 | $ 333,000 |
| South Central Connecticut Planning Region, Connecticut | 6 | $ 2,380,000 | $ 396,666 | $ 180,000 |
| Collier, Florida | 6 | $ 3,290,000 | $ 548,333 | $ 309,000 |
| St. Johns, Florida | 6 | $ 4,280,000 | $ 713,333 | $ 451,000 |
| Fulton, Georgia | 6 | $ 2,490,000 | $ 415,000 | $ 113,000 |
| Belknap, New Hampshire | 6 | $ 1,980,000 | $ 330,000 | $ 106,000 |
| Grafton, New Hampshire | 6 | $ 2,130,000 | $ 355,000 | $ 247,000 |
| Camden, New Jersey | 6 | $ 1,960,000 | $ 326,666 | $ 155,000 |
| Orange, New York | 6 | $ 2,890,000 | $ 481,666 | $ 212,000 |
| Adams, Pennsylvania | 6 | $ 1,900,000 | $ 316,666 | $ 85,000 |
| Richmond City, Virginia | 6 | $ 2,040,000 | $ 340,000 | $ 121,000 |
| Morgan, West Virginia | 6 | $ 1,530,000 | $ 255,000 | $ 127,000 |
| Duval, Florida | 5 | $ 1,135,000 | $ 227,000 | $ 160,000 |
| Lake, Florida | 5 | $ 2,015,000 | $ 403,000 | $ 186,000 |
| Cook, Illinois | 5 | $ 1,755,000 | $ 351,000 | $ 133,000 |
| Washington, Maine | 5 | $ 725,000 | $ 145,000 | $ 72,000 |
| Burlington, New Jersey | 5 | $ 2,155,000 | $ 431,000 | $ 160,000 |
| Wake, North Carolina | 5 | $ 1,655,000 | $ 331,000 | $ 184,000 |
| Overton, Tennessee | 5 | $ 875,000 | $ 175,000 | $ 60,000 |
| Greene, Virginia | 5 | $ 1,645,000 | $ 329,000 | $ 95,000 |
| San Diego, California | 4 | $ 2,400,000 | $ 600,000 | $ 221,000 |
| Naugatuck Valley Planning Region, Connecticut | 4 | $ 2,070,000 | $ 517,500 | $ 252,000 |
| Southeastern Connecticut Planning Region, Connecticut | 4 | $ 980,000 | $ 245,000 | $ 160,000 |
| Coweta, Georgia | 4 | $ 1,710,000 | $ 427,500 | $ 120,000 |
| Lake, Indiana | 4 | $ 1,390,000 | $ 347,500 | $ 156,000 |
| Caroline, Maryland | 4 | $ 1,140,000 | $ 285,000 | $ 102,000 |
| Talbot, Maryland | 4 | $ 1,650,000 | $ 412,500 | $ 142,000 |
| Cape May, New Jersey | 4 | $ 800,000 | $ 200,000 | $ 71,000 |
| Bernalillo, New Mexico | 4 | $ 1,030,000 | $ 257,500 | $ 66,000 |
| Albany, New York | 4 | $ 1,180,000 | $ 295,000 | $ 114,000 |
| New Hanover, North Carolina | 4 | $ 1,520,000 | $ 380,000 | $ 137,000 |
| Dauphin, Pennsylvania | 4 | $ 1,690,000 | $ 422,500 | $ 191,000 |
| Lancaster, Pennsylvania | 4 | $ 1,040,000 | $ 260,000 | $ 111,000 |
| Luzerne, Pennsylvania | 4 | $ 890,000 | $ 222,500 | $ 86,000 |
| Monroe, Pennsylvania | 4 | $ 1,360,000 | $ 340,000 | $ 173,000 |
| Beaufort, South Carolina | 4 | $ 3,450,000 | $ 862,500 | $ 204,000 |
| Bexar, Texas | 4 | $ 1,000,000 | $ 250,000 | $ 208,000 |
| Denton, Texas | 4 | $ 1,330,000 | $ 332,500 | $ 154,000 |
| Tarrant, Texas | 4 | $ 1,070,000 | $ 267,500 | $ 177,000 |
| Appomattox, Virginia | 4 | $ 920,000 | $ 230,000 | $ 80,000 |
| Clarke, Virginia | 4 | $ 1,830,000 | $ 457,500 | $ 139,000 |
| Henrico, Virginia | 4 | $ 1,750,000 | $ 437,500 | $ 173,000 |
| Isle of Wight, Virginia | 4 | $ 910,000 | $ 227,500 | $ 134,000 |
| Manassas, Virginia | 4 | $ 1,740,000 | $ 435,000 | $ 104,000 |
| Manassas Park, Virginia | 4 | $ 1,600,000 | $ 400,000 | $ 131,000 |
| Shenandoah, Virginia | 4 | $ 1,230,000 | $ 307,500 | $ 145,000 |
| Maricopa, Arizona | 3 | $ 1,835,000 | $ 611,666 | $ 290,000 |
| Los Angeles, California | 3 | $ 1,635,000 | $ 545,000 | $ 108,000 |
| Santa Clara, California | 3 | $ 1,835,000 | $ 611,666 | $ 310,000 |
| Bay, Florida | 3 | $ 915,000 | $ 305,000 | $ 191,000 |
| Indian River, Florida | 3 | $ 855,000 | $ 285,000 | $ 180,000 |
| Bibb, Georgia | 3 | $ 755,000 | $ 251,666 | $ 47,000 |
| DeKalb, Georgia | 3 | $ 1,445,000 | $ 481,666 | $ 130,000 |
| Sagadahoc, Maine | 3 | $ 705,000 | $ 235,000 | $ 112,000 |
| Allegany, Maryland | 3 | $ 705,000 | $ 235,000 | $ 75,000 |
| Hampden, Massachusetts | 3 | $ 895,000 | $ 298,333 | $ 109,000 |
| Oakland, Michigan | 3 | $ 1,185,000 | $ 395,000 | $ 183,000 |
| Cheshire, New Hampshire | 3 | $ 985,000 | $ 328,333 | $ 102,000 |
| Coos, New Hampshire | 3 | $ 825,000 | $ 275,000 | $ 305,000 |
| Oneida, New York | 3 | $ 545,000 | $ 181,666 | $ 51,000 |
| Rockland, New York | 3 | $ 1,685,000 | $ 561,666 | $ 186,000 |
| St. Lawrence, New York | 3 | $ 515,000 | $ 171,666 | $ 114,000 |
| Gaston, North Carolina | 3 | $ 825,000 | $ 275,000 | $ 126,000 |
| Delaware, Ohio | 3 | $ 1,595,000 | $ 531,666 | $ 311,000 |
| Carbon, Pennsylvania | 3 | $ 1,175,000 | $ 391,666 | $ 190,000 |
| Wayne, Pennsylvania | 3 | $ 895,000 | $ 298,333 | $ 116,000 |
| Collin, Texas | 3 | $ 1,225,000 | $ 408,333 | $ 134,000 |
| Augusta, Virginia | 3 | $ 435,000 | $ 145,000 | $ 82,000 |
| Roanoke, Virginia | 3 | $ 1,065,000 | $ 355,000 | $ 150,000 |
| Suffolk, Virginia | 3 | $ 755,000 | $ 251,666 | $ 179,000 |
| Westmoreland, Virginia | 3 | $ 1,225,000 | $ 408,333 | $ 174,000 |
| Escambia, Alabama | 2 | $ 370,000 | $ 185,000 | $ 66,000 |
| Jefferson, Alabama | 2 | $ 540,000 | $ 270,000 | $ 80,000 |
| Coconino, Arizona | 2 | $ 790,000 | $ 395,000 | $ 113,000 |
| Franklin, Arkansas | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Pulaski, Arkansas | 2 | $ 520,000 | $ 260,000 | $ 111,000 |
| Alameda, California | 2 | $ 2,160,000 | $ 1,080,000 | $ 281,000 |
| Contra Costa, California | 2 | $ 2,060,000 | $ 1,030,000 | $ 320,000 |
| San Francisco, California | 2 | $ 1,810,000 | $ 905,000 | $ 241,000 |
| Larimer, Colorado | 2 | $ 1,180,000 | $ 590,000 | $ 168,000 |
| Lower Connecticut River Valley Planning Region, Connecticut | 2 | $ 1,050,000 | $ 525,000 | $ 210,000 |
| Flagler, Florida | 2 | $ 570,000 | $ 285,000 | $ 363,000 |
| Leon, Florida | 2 | $ 350,000 | $ 175,000 | $ 105,000 |
| Monroe, Florida | 2 | $ 970,000 | $ 485,000 | $ 293,000 |
| Osceola, Florida | 2 | $ 1,100,000 | $ 550,000 | $ 158,000 |
| Santa Rosa, Florida | 2 | $ 670,000 | $ 335,000 | $ 94,000 |
| Cherokee, Georgia | 2 | $ 780,000 | $ 390,000 | $ 74,000 |
| Columbia, Georgia | 2 | $ 510,000 | $ 255,000 | $ 79,000 |
| Douglas, Georgia | 2 | $ 800,000 | $ 400,000 | $ 109,000 |
| Gwinnett, Georgia | 2 | $ 790,000 | $ 395,000 | $ 150,000 |
| Rockdale, Georgia | 2 | $ 570,000 | $ 285,000 | $ 83,000 |
| DuPage, Illinois | 2 | $ 690,000 | $ 345,000 | $ 137,000 |
| Kane, Illinois | 2 | $ 830,000 | $ 415,000 | $ 154,000 |
| Marshall, Indiana | 2 | $ 530,000 | $ 265,000 | $ 117,000 |
| Newton, Indiana | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| St. Charles, Louisiana | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Hancock, Maine | 2 | $ 420,000 | $ 210,000 | $ 139,000 |
| Piscataquis, Maine | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Garrett, Maryland | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Queen Anne's, Maryland | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Berkshire, Massachusetts | 2 | $ 570,000 | $ 285,000 | $ 200,000 |
| George, Mississippi | 2 | $ 670,000 | $ 335,000 | $ 128,000 |
| Atlantic, New Jersey | 2 | $ 870,000 | $ 435,000 | $ 213,000 |
| Monroe, New York | 2 | $ 370,000 | $ 185,000 | $ 269,000 |
| Putnam, New York | 2 | $ 1,250,000 | $ 625,000 | $ 322,000 |
| Cumberland, North Carolina | 2 | $ 560,000 | $ 280,000 | $ 57,000 |
| Harnett, North Carolina | 2 | $ 390,000 | $ 195,000 | $ 89,000 |
| Henderson, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 135,000 |
| Mecklenburg, North Carolina | 2 | $ 730,000 | $ 365,000 | $ 105,000 |
| Oklahoma, Oklahoma | 2 | $ 450,000 | $ 225,000 | $ 215,000 |
| Clackamas, Oregon | 2 | $ 1,730,000 | $ 865,000 | $ 275,000 |
| Deschutes, Oregon | 2 | $ 2,710,000 | $ 1,355,000 | $ 411,000 |
| Lebanon, Pennsylvania | 2 | $ 530,000 | $ 265,000 | $ 28,000 |
| Mifflin, Pennsylvania | 2 | $ 410,000 | $ 205,000 | $ 71,000 |
| Dorchester, South Carolina | 2 | $ 850,000 | $ 425,000 | $ 120,000 |
| Horry, South Carolina | 2 | $ 650,000 | $ 325,000 | $ 194,000 |
| Lexington, South Carolina | 2 | $ 520,000 | $ 260,000 | $ 83,000 |
| Bledsoe, Tennessee | 2 | $ 180,000 | $ 90,000 | $ 64,000 |
| Davidson, Tennessee | 2 | $ 760,000 | $ 380,000 | $ 123,000 |
| Jackson, Tennessee | 2 | $ 160,000 | $ 80,000 | $ 44,000 |
| Knox, Tennessee | 2 | $ 540,000 | $ 270,000 | $ 52,000 |
| Sumner, Tennessee | 2 | $ 790,000 | $ 395,000 | $ 119,000 |
| White, Tennessee | 2 | $ 360,000 | $ 180,000 | $ 42,000 |
| Dallas, Texas | 2 | $ 1,180,000 | $ 590,000 | $ 293,000 |
| Kerr, Texas | 2 | $ 620,000 | $ 310,000 | $ 175,000 |
| Montgomery, Texas | 2 | $ 490,000 | $ 245,000 | $ 86,000 |
| Accomack, Virginia | 2 | $ 450,000 | $ 225,000 | $ 53,000 |
| Amherst, Virginia | 2 | $ 570,000 | $ 285,000 | $ 124,000 |
| Botetourt, Virginia | 2 | $ 960,000 | $ 480,000 | $ 123,000 |
| Caroline, Virginia | 2 | $ 600,000 | $ 300,000 | $ 80,000 |
| Charlottesville, Virginia | 2 | $ 730,000 | $ 365,000 | $ 253,000 |
| Chesapeake, Virginia | 2 | $ 780,000 | $ 390,000 | $ 166,000 |
| Falls Church, Virginia | 2 | $ 1,590,000 | $ 795,000 | $ 306,000 |
| Greensville, Virginia | 2 | $ 590,000 | $ 295,000 | $ 61,000 |
| Roanoke City, Virginia | 2 | $ 470,000 | $ 235,000 | $ 201,000 |
| Virginia Beach, Virginia | 2 | $ 940,000 | $ 470,000 | $ 180,000 |
| Harrison, West Virginia | 2 | $ 270,000 | $ 135,000 | $ 60,000 |
| Clarke, Alabama | 1 | $ 375,000 | $ 375,000 | $ 154,000 |
| Cullman, Alabama | 1 | $ 185,000 | $ 185,000 | $ 140,000 |
| Etowah, Alabama | 1 | $ 245,000 | $ 245,000 | $ 36,000 |
| Houston, Alabama | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Lawrence, Alabama | 1 | $ 695,000 | $ 695,000 | $ 180,000 |
| Monroe, Alabama | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Talladega, Alabama | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Washington, Alabama | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Navajo, Arizona | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Jefferson, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 171,000 |
| Pope, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Saline, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| El Dorado, California | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| Kern, California | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| Marin, California | 1 | $ 1,505,000 | $ 1,505,000 | $ 454,000 |
| Riverside, California | 1 | $ 325,000 | $ 325,000 | $ 237,000 |
| Sacramento, California | 1 | $ 325,000 | $ 325,000 | $ 94,000 |
| Ventura, California | 1 | $ 805,000 | $ 805,000 | $ 167,000 |
| Adams, Colorado | 1 | $ 355,000 | $ 355,000 | $ 80,000 |
| Denver, Colorado | 1 | $ 425,000 | $ 425,000 | $ 160,000 |
| Eagle, Colorado | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Moffat, Colorado | 1 | $ 135,000 | $ 135,000 | $ 28,000 |
| Routt, Colorado | 1 | $ 455,000 | $ 455,000 | $ 332,000 |
| Teller, Colorado | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Greater Bridgeport Planning Region, Connecticut | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Clay, Florida | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Hendry, Florida | 1 | $ 275,000 | $ 275,000 | $ 137,000 |
| Madison, Florida | 1 | $ 565,000 | $ 565,000 | $ 244,000 |
| Martin, Florida | 1 | $ 825,000 | $ 825,000 | $ 368,000 |
| Nassau, Florida | 1 | $ 485,000 | $ 485,000 | $ 116,000 |
| Sumter, Florida | 1 | $ 455,000 | $ 455,000 | $ 186,000 |
| Walton, Florida | 1 | $ 605,000 | $ 605,000 | $ 205,000 |
| Chatham, Georgia | 1 | $ 415,000 | $ 415,000 | $ 320,000 |
| Cobb, Georgia | 1 | $ 315,000 | $ 315,000 | $ 61,000 |
| Effingham, Georgia | 1 | $ 265,000 | $ 265,000 | $ 137,000 |
| Fayette, Georgia | 1 | $ 605,000 | $ 605,000 | $ 48,000 |
| Floyd, Georgia | 1 | $ 495,000 | $ 495,000 | $ 191,000 |
| Johnson, Georgia | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Newton, Georgia | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Paulding, Georgia | 1 | $ 455,000 | $ 455,000 | $ 173,000 |
| Polk, Georgia | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Towns, Georgia | 1 | $ 625,000 | $ 625,000 | $ 178,000 |
| Ada, Idaho | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
| Bonner, Idaho | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Shoshone, Idaho | 1 | $ 405,000 | $ 405,000 | $ 153,000 |
| Sangamon, Illinois | 1 | $ 165,000 | $ 165,000 | $ 187,000 |
| Winnebago, Illinois | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Boone, Indiana | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Hancock, Indiana | 1 | $ 485,000 | $ 485,000 | $ 234,000 |
| Hendricks, Indiana | 1 | $ 425,000 | $ 425,000 | $ 95,000 |
| Marion, Indiana | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Winneshiek, Iowa | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Fayette, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Caddo, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Jefferson, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Lafayette, Louisiana | 1 | $ 205,000 | $ 205,000 | $ 276,000 |
| St. Tammany, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 24,000 |
| Androscoggin, Maine | 1 | $ 435,000 | $ 435,000 | $ 115,000 |
| Aroostook, Maine | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Franklin, Maine | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Oxford, Maine | 1 | $ 295,000 | $ 295,000 | $ 112,000 |
| Kent, Maryland | 1 | $ 195,000 | $ 195,000 | $ 126,000 |
| Dukes, Massachusetts | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Franklin, Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Allegan, Michigan | 1 | $ 315,000 | $ 315,000 | $ 23,000 |
| Calhoun, Michigan | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Washtenaw, Michigan | 1 | $ 425,000 | $ 425,000 | $ 171,000 |
| Wayne, Michigan | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Dakota, Minnesota | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
| Rice, Minnesota | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| St. Louis, Minnesota | 1 | $ 675,000 | $ 675,000 | $ 187,000 |
| Washington, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 22,000 |
| Wright, Minnesota | 1 | $ 435,000 | $ 435,000 | $ 123,000 |
| Madison, Mississippi | 1 | $ 525,000 | $ 525,000 | $ 248,000 |
| Wayne, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Dakota, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Douglas, Nebraska | 1 | $ 605,000 | $ 605,000 | $ 206,000 |
| Sarpy, Nebraska | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| Sheridan, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Cumberland, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Gloucester, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 303,000 |
| Chaves, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Bronx, New York | 1 | $ 845,000 | $ 845,000 | $ 984,000 |
| Broome, New York | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Chautauqua, New York | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Cortland, New York | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Erie, New York | 1 | $ 175,000 | $ 175,000 | $ 500,000 |
| Fulton, New York | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Jefferson, New York | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Onondaga, New York | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Ontario, New York | 1 | $ 535,000 | $ 535,000 | $ 244,000 |
| Saratoga, New York | 1 | $ 655,000 | $ 655,000 | $ 171,000 |
| Schenectady, New York | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Seneca, New York | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| Warren, New York | 1 | $ 585,000 | $ 585,000 | $ 424,000 |
| Avery, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| Bertie, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Buncombe, North Carolina | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Craven, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Dare, North Carolina | 1 | $ 555,000 | $ 555,000 | $ 80,000 |
| Durham, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Guilford, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 151,000 |
| Lee, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Montgomery, North Carolina | 1 | $ 915,000 | $ 915,000 | $ 1,109,000 |
| Pender, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Rockingham, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Sampson, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Yadkin, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Ashtabula, Ohio | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Clinton, Ohio | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Franklin, Ohio | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| Miami, Ohio | 1 | $ 305,000 | $ 305,000 | $ 178,000 |
| Ross, Ohio | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Summit, Ohio | 1 | $ 85,000 | $ 85,000 | $ 94,000 |
| Comanche, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Josephine, Oregon | 1 | $ 645,000 | $ 645,000 | $ 126,000 |
| Tillamook, Oregon | 1 | $ 575,000 | $ 575,000 | $ 112,000 |
| Columbia, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Lackawanna, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| Lawrence, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Pike, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 156,000 |
| Schuylkill, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 158,000 |
| Susquehanna, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 382,000 |
| Westmoreland, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Berkeley, South Carolina | 1 | $ 385,000 | $ 385,000 | $ 109,000 |
| Charleston, South Carolina | 1 | $ 555,000 | $ 555,000 | $ 172,000 |
| Greenville, South Carolina | 1 | $ 445,000 | $ 445,000 | $ 193,000 |
| Laurens, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Newberry, South Carolina | 1 | $ 755,000 | $ 755,000 | $ 144,000 |
| Pickens, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Richland, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| York, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 348,000 |
| Clay, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| DeKalb, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Fayette, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Hamilton, Tennessee | 1 | $ 715,000 | $ 715,000 | $ 161,000 |
| Houston, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Jefferson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Morgan, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 49,000 |
| Roane, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 197,000 |
| Robertson, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Rutherford, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Williamson, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 337,000 |
| Wilson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Bailey, Texas | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| Bastrop, Texas | 1 | $ 305,000 | $ 305,000 | $ 170,000 |
| Brazoria, Texas | 1 | $ 425,000 | $ 425,000 | $ 138,000 |
| Ellis, Texas | 1 | $ 495,000 | $ 495,000 | $ 226,000 |
| Fort Bend, Texas | 1 | $ 705,000 | $ 705,000 | $ 173,000 |
| Hays, Texas | 1 | $ 265,000 | $ 265,000 | $ 229,000 |
| Nueces, Texas | 1 | $ 575,000 | $ 575,000 | $ 218,000 |
| San Jacinto, Texas | 1 | $ 565,000 | $ 565,000 | $ 300,000 |
| Somervell, Texas | 1 | $ 645,000 | $ 645,000 | $ 245,000 |
| Travis, Texas | 1 | $ 765,000 | $ 765,000 | $ 157,000 |
| Lamoille, Vermont | 1 | $ 1,505,000 | $ 1,505,000 | $ 749,000 |
| Rutland, Vermont | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Buckingham, Virginia | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Charlotte, Virginia | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Essex, Virginia | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Fluvanna, Virginia | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Franklin, Virginia | 1 | $ 2,185,000 | $ 2,185,000 | $ 1,509,000 |
| Fredericksburg, Virginia | 1 | $ 395,000 | $ 395,000 | $ 178,000 |
| Goochland, Virginia | 1 | $ 475,000 | $ 475,000 | $ 308,000 |
| Hanover, Virginia | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Henry, Virginia | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Lynchburg, Virginia | 1 | $ 265,000 | $ 265,000 | $ 92,000 |
| Nelson, Virginia | 1 | $ 715,000 | $ 715,000 | $ 453,000 |
| New Kent, Virginia | 1 | $ 315,000 | $ 315,000 | $ 516,000 |
| Petersburg, Virginia | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Pittsylvania, Virginia | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Portsmouth, Virginia | 1 | $ 215,000 | $ 215,000 | $ 231,000 |
| Prince Edward, Virginia | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Pulaski, Virginia | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Rappahannock, Virginia | 1 | $ 555,000 | $ 555,000 | $ 108,000 |
| Waynesboro, Virginia | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Winchester, Virginia | 1 | $ 385,000 | $ 385,000 | $ 161,000 |
| Asotin, Washington | 1 | $ 645,000 | $ 645,000 | $ 252,000 |
| Barbour, West Virginia | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Hampshire, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Brown, Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Lincoln, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Walworth, Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 328,000 |
Mortgage Loan Application Detail Totals for Embrace Home Loans, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 5,584 | $2,474,870,000 | $443,000 | $3,505,000 | $177,000 | $8,367,000 |
| Refinancing | 549 | $293,335,000 | $534,000 | $2,245,000 | $219,000 | $2,196,000 |
| Cash-out Refinancing | 432 | $167,830,000 | $388,000 | $1,995,000 | $142,000 | $1,239,000 |
| Other Purpose | 34 | $11,490,000 | $337,000 | $2,505,000 | $182,000 | $1,713,000 |
| Home Improvement | 31 | $10,845,000 | $349,000 | $1,505,000 | $117,000 | $454,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,792 | $1,695,940,000 | $447,000 | $3,505,000 | $186,000 | $8,367,000 |
| Black or African American | 945 | $372,465,000 | $394,000 | $3,005,000 | $135,000 | $4,056,000 |
| Hispanic | 774 | $293,380,000 | $379,000 | $1,515,000 | $130,000 | $1,252,000 |
| Not Provided | 621 | $326,125,000 | $525,000 | $3,415,000 | $224,000 | $1,530,000 |
| Asian | 463 | $255,895,000 | $552,000 | $1,965,000 | $216,000 | $1,417,000 |
| American Indian or Alaskan Native | 29 | $12,455,000 | $429,000 | $995,000 | $127,000 | $476,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $785,000 | $261,000 | $295,000 | $73,000 | $110,000 |
| Not applicable | 3 | $1,325,000 | $441,000 | $575,000 | $234,000 | $471,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,413 | $2,083,515,000 | $472,000 | $3,505,000 | $207,000 | $8,367,000 |
| FHA-insured (Federal Housing Administration) | 1,583 | $554,625,000 | $350,000 | $1,215,000 | $105,000 | $771,000 |
| VA-guaranteed (Veterans Administration) | 592 | $309,270,000 | $522,000 | $1,725,000 | $156,000 | $1,060,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $10,960,000 | $260,000 | $605,000 | $83,000 | $141,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,493 | $2,023,085,000 | $450,000 | $3,505,000 | $183,000 | $8,367,000 |
| Application Withdrawn By Applicant | 605 | $271,875,000 | $449,000 | $2,405,000 | $180,000 | $2,196,000 |
| Preapproval Approved but not Accepted | 366 | $173,440,000 | $473,000 | $1,445,000 | $167,000 | $1,084,000 |
| Application Approved But Not Accepted | 312 | $146,810,000 | $470,000 | $3,415,000 | $194,000 | $1,895,000 |
| Application Denied By Financial Institution | 308 | $112,040,000 | $363,000 | $2,205,000 | $118,000 | $1,813,000 |
| File Closed For Incompleteness | 255 | $119,135,000 | $467,000 | $1,625,000 | $208,000 | $1,834,000 |
| Preapproval Denied by Financial Institution | 215 | $77,655,000 | $361,000 | $1,145,000 | $113,000 | $1,440,000 |
| Loan Purchased By The Institution | 76 | $34,330,000 | $451,000 | $885,000 | $174,000 | $561,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 6,107 | $2,768,675,000 | $453,000 | $3,505,000 | $183,000 | $8,367,000 |
| Debt-To-Income Ratio | 171 | $65,435,000 | $382,000 | $1,985,000 | $98,000 | $825,000 |
| Credit History | 132 | $41,560,000 | $314,000 | $805,000 | $100,000 | $1,440,000 |
| Collateral | 98 | $33,560,000 | $342,000 | $2,205,000 | $144,000 | $1,813,000 |
| Unverifiable Information | 42 | $18,710,000 | $445,000 | $1,145,000 | $153,000 | $864,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $13,450,000 | $373,000 | $945,000 | $128,000 | $369,000 |
| Other | 23 | $9,785,000 | $425,000 | $1,185,000 | $144,000 | $518,000 |
| Employment History | 21 | $7,195,000 | $342,000 | $1,115,000 | $105,000 | $446,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Embrace Home Loans, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Embrace Home Loans, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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