Embrace Home Loans, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Embrace Home Loans, Inc. 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 60,136 |
| Total Mortgage Loan Application Amount | $9,716,195,000 |
| Average Mortgage Loan Application Amount | $175,333 |
| Highest Mortgage Loan Application Amount | $1,788,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $2,580,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Embrace Home Loans, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Embrace Home Loans, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Embrace Home Loans, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Embrace Home Loans, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Embrace Home Loans, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Embrace Home Loans, Inc.'s mortgage activity for 2015.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 2,044 | $ 633,919,000 | $ 297,500 | $ 92,250 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1,375 | $ 348,338,000 | $ 253,000 | $ 85,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 1,331 | $ 194,880,000 | $ 146,000 | $ 61,000 |
| PROVIDENCE-WARWICK, RI-MA | 1,313 | $ 286,028,000 | $ 220,000 | $ 74,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1,212 | $ 331,629,000 | $ 277,500 | $ 81,500 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 1,087 | $ 359,885,000 | $ 331,000 | $ 111,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 1,010 | $ 136,983,000 | $ 135,000 | $ 71,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 883 | $ 153,845,000 | $ 174,000 | $ 68,000 |
| BOSTON, MA | 875 | $ 232,377,000 | $ 265,000 | $ 93,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 825 | $ 145,722,000 | $ 176,000 | $ 81,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 706 | $ 95,599,000 | $ 137,500 | $ 53,500 |
| DALLAS-PLANO-IRVING, TX | 635 | $ 86,975,000 | $ 136,000 | $ 65,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 611 | $ 186,717,000 | $ 305,000 | $ 97,000 |
| LYNCHBURG, VA | 604 | $ 93,085,000 | $ 154,000 | $ 59,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 574 | $ 66,320,000 | $ 115,000 | $ 50,000 |
| PITTSBURGH, PA | 548 | $ 63,416,000 | $ 115,000 | $ 53,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 537 | $ 76,751,000 | $ 142,000 | $ 52,000 |
| PHILADELPHIA, PA | 495 | $ 61,912,000 | $ 125,000 | $ 52,000 |
| MOBILE, AL | 492 | $ 59,080,000 | $ 120,000 | $ 52,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 487 | $ 57,694,000 | $ 118,000 | $ 58,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 476 | $ 140,875,000 | $ 295,000 | $ 92,000 |
| BIRMINGHAM-HOOVER, AL | 453 | $ 55,250,000 | $ 121,000 | $ 49,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 448 | $ 84,509,000 | $ 167,500 | $ 57,000 |
| ROANOKE, VA | 442 | $ 65,406,000 | $ 147,000 | $ 56,000 |
| WORCESTER, MA-CT | 440 | $ 84,749,000 | $ 186,000 | $ 62,000 |
| FORT WORTH-ARLINGTON, TX | 428 | $ 53,973,000 | $ 126,000 | $ 66,000 |
| NEWARK, NJ-PA | 401 | $ 99,314,000 | $ 208,500 | $ 75,000 |
| MEMPHIS, TN-MS-AR | 391 | $ 43,951,000 | $ 114,666 | $ 49,000 |
| ST. LOUIS, MO-IL | 385 | $ 49,116,000 | $ 124,500 | $ 50,500 |
| WILMINGTON, DE-MD-NJ | 373 | $ 77,609,000 | $ 203,666 | $ 80,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 362 | $ 59,877,000 | $ 165,000 | $ 69,000 |
| CAMDEN, NJ | 362 | $ 61,059,000 | $ 168,000 | $ 60,000 |
| RICHMOND, VA | 361 | $ 60,861,000 | $ 168,000 | $ 56,000 |
| PORTLAND-SOUTH PORTLAND, ME | 360 | $ 79,453,000 | $ 220,000 | $ 83,000 |
| KANSAS CITY, MO-KS | 358 | $ 45,423,000 | $ 129,000 | $ 57,000 |
| SALISBURY, MD-DE | 347 | $ 66,453,000 | $ 189,500 | $ 82,500 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 340 | $ 61,803,000 | $ 169,500 | $ 73,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 340 | $ 70,961,000 | $ 208,000 | $ 81,000 |
| LAKELAND-WINTER HAVEN, FL | 339 | $ 47,882,000 | $ 141,000 | $ 61,000 |
| NEW ORLEANS-METAIRIE, LA | 334 | $ 50,106,000 | $ 150,000 | $ 58,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 316 | $ 62,548,000 | $ 197,000 | $ 71,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 290 | $ 34,244,000 | $ 116,000 | $ 48,500 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 284 | $ 64,982,000 | $ 228,000 | $ 93,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 282 | $ 32,522,000 | $ 115,000 | $ 57,000 |
| EL PASO, TX | 272 | $ 28,978,000 | $ 106,000 | $ 52,000 |
| AUSTIN-ROUND ROCK, TX | 271 | $ 41,476,000 | $ 153,000 | $ 64,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 271 | $ 53,684,000 | $ 198,000 | $ 69,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 267 | $ 42,575,000 | $ 159,000 | $ 72,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 259 | $ 54,919,000 | $ 212,000 | $ 61,000 |
| PORT ST. LUCIE, FL | 249 | $ 39,709,000 | $ 159,000 | $ 70,000 |
| JACKSONVILLE, FL | 247 | $ 37,104,000 | $ 150,000 | $ 59,000 |
| OKLAHOMA CITY, OK | 242 | $ 27,275,000 | $ 112,000 | $ 49,000 |
| KNOXVILLE, TN | 238 | $ 30,558,000 | $ 128,000 | $ 49,000 |
| TULSA, OK | 235 | $ 28,741,000 | $ 122,000 | $ 59,000 |
| GARY, IN | 233 | $ 29,072,000 | $ 124,000 | $ 56,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 231 | $ 27,327,000 | $ 118,000 | $ 44,000 |
| CINCINNATI, OH-KY-IN | 224 | $ 30,306,000 | $ 128,666 | $ 52,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 219 | $ 35,881,000 | $ 190,000 | $ 78,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 218 | $ 26,388,000 | $ 121,000 | $ 51,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 214 | $ 32,321,000 | $ 151,000 | $ 58,000 |
| COLUMBIA, SC | 213 | $ 25,102,000 | $ 117,000 | $ 54,000 |
| RALEIGH, NC | 210 | $ 33,259,000 | $ 158,000 | $ 58,000 |
| GREENSBORO-HIGH POINT, NC | 208 | $ 24,235,000 | $ 116,000 | $ 46,000 |
| WINSTON-SALEM, NC | 203 | $ 23,919,000 | $ 117,000 | $ 48,000 |
| ALBANY-SCHENECTADY-TROY, NY | 200 | $ 32,235,000 | $ 161,000 | $ 61,000 |
| JACKSON, MS | 196 | $ 23,505,000 | $ 119,000 | $ 50,000 |
| BATON ROUGE, LA | 194 | $ 27,340,000 | $ 140,000 | $ 57,000 |
| CHATTANOOGA, TN-GA | 192 | $ 22,397,000 | $ 115,500 | $ 43,500 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 188 | $ 58,107,000 | $ 309,000 | $ 69,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 187 | $ 36,243,000 | $ 193,000 | $ 64,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 185 | $ 27,442,000 | $ 148,000 | $ 58,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 185 | $ 23,193,000 | $ 120,000 | $ 57,000 |
| DENVER-AURORA-LAKEWOOD, CO | 184 | $ 40,181,000 | $ 218,000 | $ 61,000 |
| WICHITA, KS | 184 | $ 18,253,000 | $ 99,000 | $ 47,000 |
| NEW HAVEN-MILFORD, CT | 179 | $ 34,456,000 | $ 192,000 | $ 62,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 177 | $ 31,488,000 | $ 176,500 | $ 66,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 175 | $ 39,910,000 | $ 223,000 | $ 71,500 |
| SYRACUSE, NY | 172 | $ 18,515,000 | $ 107,000 | $ 54,000 |
| MONTGOMERY, AL | 171 | $ 18,791,000 | $ 109,000 | $ 46,000 |
| ALBUQUERQUE, NM | 168 | $ 24,587,000 | $ 146,000 | $ 55,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 165 | $ 18,204,000 | $ 114,000 | $ 49,000 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 165 | $ 27,995,000 | $ 169,000 | $ 66,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 163 | $ 17,703,000 | $ 108,000 | $ 48,000 |
| ROCHESTER, NY | 162 | $ 18,845,000 | $ 116,000 | $ 54,000 |
| CAPE CORAL-FORT MYERS, FL | 156 | $ 25,136,000 | $ 161,000 | $ 65,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 154 | $ 24,601,000 | $ 159,000 | $ 63,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 154 | $ 28,530,000 | $ 185,000 | $ 66,000 |
| MCALLEN-EDINBURG-MISSION, TX | 150 | $ 16,055,000 | $ 107,000 | $ 61,000 |
| HUNTSVILLE, AL | 149 | $ 20,278,000 | $ 136,000 | $ 58,000 |
| CHARLOTTESVILLE, VA | 147 | $ 29,675,000 | $ 201,000 | $ 77,000 |
| CLEVELAND-ELYRIA, OH | 140 | $ 16,725,000 | $ 119,000 | $ 49,000 |
| SHREVEPORT-BOSSIER CITY, LA | 140 | $ 16,259,000 | $ 116,000 | $ 47,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 138 | $ 35,608,000 | $ 258,000 | $ 76,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 137 | $ 40,402,000 | $ 294,000 | $ 93,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 136 | $ 20,833,000 | $ 153,000 | $ 69,000 |
| SPRINGFIELD, MA | 135 | $ 22,404,000 | $ 165,000 | $ 62,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 134 | $ 20,750,000 | $ 154,000 | $ 53,000 |
| FAYETTEVILLE, NC | 134 | $ 15,425,000 | $ 115,000 | $ 53,000 |
| BOISE CITY, ID | 131 | $ 19,731,000 | $ 150,000 | $ 51,000 |
| COLUMBUS, GA-AL | 131 | $ 14,851,000 | $ 111,000 | $ 51,000 |
| FORT WAYNE, IN | 131 | $ 13,573,000 | $ 103,000 | $ 43,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 131 | $ 32,496,000 | $ 248,000 | $ 89,000 |
| DURHAM-CHAPEL HILL, NC | 130 | $ 17,853,000 | $ 137,000 | $ 47,000 |
| BARNSTABLE TOWN, MA | 129 | $ 31,554,000 | $ 244,000 | $ 93,000 |
| LAFAYETTE, LA | 129 | $ 17,006,000 | $ 131,000 | $ 62,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 128 | $ 14,593,000 | $ 111,000 | $ 55,666 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 128 | $ 17,784,000 | $ 139,000 | $ 49,000 |
| HICKORY-LENOIR-MORGANTON, NC | 125 | $ 13,823,000 | $ 110,000 | $ 47,000 |
| READING, PA | 123 | $ 17,255,000 | $ 140,000 | $ 53,000 |
| HARRISBURG-CARLISLE, PA | 121 | $ 18,704,000 | $ 154,000 | $ 58,000 |
| YORK-HANOVER, PA | 121 | $ 17,821,000 | $ 147,000 | $ 53,000 |
| COLUMBUS, OH | 117 | $ 15,308,000 | $ 130,000 | $ 55,000 |
| DES MOINES-WEST DES MOINES, IA | 117 | $ 14,444,000 | $ 123,000 | $ 49,000 |
| KILLEEN-TEMPLE, TX | 117 | $ 12,930,000 | $ 110,000 | $ 58,000 |
| ASHEVILLE, NC | 113 | $ 17,034,000 | $ 150,000 | $ 44,000 |
| SPARTANBURG, SC | 108 | $ 11,506,000 | $ 106,000 | $ 47,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 107 | $ 20,184,000 | $ 188,000 | $ 54,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 106 | $ 12,653,000 | $ 103,500 | $ 46,000 |
| CORPUS CHRISTI, TX | 104 | $ 11,106,000 | $ 106,000 | $ 65,000 |
| EVANSVILLE, IN-KY | 103 | $ 9,832,000 | $ 99,500 | $ 46,500 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 103 | $ 25,251,000 | $ 245,000 | $ 70,000 |
| LANCASTER, PA | 101 | $ 15,265,000 | $ 151,000 | $ 55,000 |
| SAVANNAH, GA | 101 | $ 14,890,000 | $ 147,000 | $ 47,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 99 | $ 12,832,000 | $ 129,000 | $ 61,000 |
| UTICA-ROME, NY | 97 | $ 10,315,000 | $ 106,000 | $ 57,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 94 | $ 10,729,000 | $ 114,000 | $ 51,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 94 | $ 10,662,000 | $ 117,000 | $ 46,500 |
| MANCHESTER-NASHUA, NH | 93 | $ 18,393,000 | $ 197,000 | $ 72,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 91 | $ 11,241,000 | $ 123,000 | $ 46,000 |
| BROWNSVILLE-HARLINGEN, TX | 90 | $ 9,172,000 | $ 101,000 | $ 53,000 |
| OCALA, FL | 87 | $ 9,954,000 | $ 114,000 | $ 46,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 86 | $ 19,970,000 | $ 232,000 | $ 85,000 |
| MACON, GA | 85 | $ 8,767,000 | $ 103,000 | $ 45,000 |
| TUSCALOOSA, AL | 85 | $ 10,003,000 | $ 117,000 | $ 43,000 |
| DOVER, DE | 84 | $ 16,548,000 | $ 197,000 | $ 57,000 |
| LEXINGTON-FAYETTE, KY | 84 | $ 10,455,000 | $ 124,000 | $ 48,000 |
| LAREDO, TX | 83 | $ 9,653,000 | $ 116,000 | $ 56,000 |
| SPOKANE-SPOKANE VALLEY, WA | 83 | $ 11,819,000 | $ 142,000 | $ 47,000 |
| SPRINGFIELD, MO | 83 | $ 8,841,000 | $ 106,000 | $ 44,000 |
| TRENTON, NJ | 83 | $ 13,386,000 | $ 161,000 | $ 64,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 82 | $ 8,707,000 | $ 99,500 | $ 44,500 |
| ERIE, PA | 81 | $ 7,646,000 | $ 94,000 | $ 39,000 |
| PEORIA, IL | 80 | $ 8,137,000 | $ 101,000 | $ 55,000 |
| TOLEDO, OH | 80 | $ 8,653,000 | $ 108,000 | $ 52,000 |
| FORT SMITH, AR-OK | 79 | $ 7,331,000 | $ 92,000 | $ 46,000 |
| TACOMA-LAKEWOOD, WA | 79 | $ 16,584,000 | $ 209,000 | $ 65,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 76 | $ 6,937,000 | $ 92,000 | $ 51,500 |
| NORWICH-NEW LONDON, CT | 75 | $ 14,455,000 | $ 192,000 | $ 65,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 74 | $ 12,196,000 | $ 164,000 | $ 62,000 |
| SAN DIEGO-CARLSBAD, CA | 72 | $ 21,437,000 | $ 297,000 | $ 69,000 |
| TOPEKA, KS | 72 | $ 8,041,000 | $ 111,000 | $ 48,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 70 | $ 10,319,000 | $ 147,000 | $ 51,000 |
| ELKHART-GOSHEN, IN | 70 | $ 7,777,000 | $ 111,000 | $ 48,000 |
| SALT LAKE CITY, UT | 69 | $ 12,059,000 | $ 174,000 | $ 55,000 |
| CLARKSVILLE, TN-KY | 67 | $ 8,262,000 | $ 115,500 | $ 48,500 |
| SEBRING, FL | 67 | $ 7,434,000 | $ 110,000 | $ 48,000 |
| BINGHAMTON, NY | 65 | $ 5,891,000 | $ 90,000 | $ 44,000 |
| DULUTH, MN-WI | 64 | $ 7,843,000 | $ 117,500 | $ 56,500 |
| HOUMA-THIBODAUX, LA | 64 | $ 8,197,000 | $ 128,000 | $ 53,000 |
| MONROE, LA | 64 | $ 8,332,000 | $ 130,000 | $ 50,000 |
| PUNTA GORDA, FL | 63 | $ 8,721,000 | $ 138,000 | $ 52,000 |
| BURLINGTON, NC | 62 | $ 6,050,000 | $ 97,000 | $ 43,000 |
| LUBBOCK, TX | 61 | $ 5,889,000 | $ 96,000 | $ 59,000 |
| CHARLESTON, WV | 60 | $ 5,647,000 | $ 94,000 | $ 41,000 |
| ROCKY MOUNT, NC | 60 | $ 7,281,000 | $ 121,000 | $ 49,000 |
| BANGOR, ME | 59 | $ 7,888,000 | $ 133,000 | $ 53,000 |
| FLORENCE-MUSCLE SHOALS, AL | 59 | $ 5,918,000 | $ 100,000 | $ 41,000 |
| ROCKFORD, IL | 59 | $ 6,293,000 | $ 106,000 | $ 47,000 |
| WACO, TX | 59 | $ 6,034,000 | $ 102,000 | $ 51,000 |
| COLORADO SPRINGS, CO | 58 | $ 9,917,000 | $ 170,000 | $ 56,000 |
| EAST STROUDSBURG, PA | 58 | $ 8,632,000 | $ 148,000 | $ 61,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 57 | $ 6,352,000 | $ 107,000 | $ 52,000 |
| DECATUR, AL | 57 | $ 5,486,000 | $ 96,000 | $ 44,000 |
| GREENVILLE, NC | 57 | $ 5,793,000 | $ 101,000 | $ 48,000 |
| LONGVIEW, TX | 57 | $ 6,049,000 | $ 106,000 | $ 51,000 |
| MADISON, WI | 57 | $ 9,345,000 | $ 163,000 | $ 53,000 |
| WILMINGTON, NC | 57 | $ 7,744,000 | $ 135,000 | $ 51,000 |
| ANNISTON-OXFORD-JACKSONVILLE, AL | 56 | $ 5,705,000 | $ 101,000 | $ 45,000 |
| VINELAND-BRIDGETON, NJ | 56 | $ 7,544,000 | $ 134,000 | $ 55,000 |
| WARNER ROBINS, GA | 56 | $ 6,749,000 | $ 120,000 | $ 63,000 |
| DOTHAN, AL | 55 | $ 5,411,000 | $ 98,000 | $ 56,000 |
| FLORENCE, SC | 55 | $ 6,248,000 | $ 113,000 | $ 47,000 |
| JANESVILLE-BELOIT, WI | 55 | $ 6,242,000 | $ 113,000 | $ 54,000 |
| MORRISTOWN, TN | 55 | $ 5,817,000 | $ 105,000 | $ 43,000 |
| TALLAHASSEE, FL | 55 | $ 7,593,000 | $ 138,000 | $ 50,000 |
| BEAUMONT-PORT ARTHUR, TX | 54 | $ 5,072,000 | $ 93,000 | $ 75,000 |
| CANTON-MASSILLON, OH | 54 | $ 5,885,000 | $ 108,000 | $ 57,000 |
| BECKLEY, WV | 53 | $ 5,334,000 | $ 100,000 | $ 49,000 |
| GREEN BAY, WI | 52 | $ 7,401,000 | $ 142,000 | $ 47,000 |
| WINCHESTER, VA-WV | 52 | $ 9,728,000 | $ 175,500 | $ 52,500 |
| CEDAR RAPIDS, IA | 51 | $ 6,802,000 | $ 133,000 | $ 50,000 |
| COEUR D'ALENE, ID | 51 | $ 8,948,000 | $ 175,000 | $ 59,000 |
| FRESNO, CA | 51 | $ 9,028,000 | $ 177,000 | $ 57,000 |
| JOHNSON CITY, TN | 51 | $ 5,937,000 | $ 116,000 | $ 40,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 51 | $ 7,743,000 | $ 151,000 | $ 61,000 |
| AKRON, OH | 50 | $ 6,449,000 | $ 128,000 | $ 54,000 |
| BAKERSFIELD, CA | 50 | $ 8,394,000 | $ 167,000 | $ 67,000 |
| GRAND RAPIDS-WYOMING, MI | 49 | $ 6,481,000 | $ 132,000 | $ 50,000 |
| MICHIGAN CITY-LA PORTE, IN | 49 | $ 5,065,000 | $ 103,000 | $ 53,000 |
| APPLETON, WI | 48 | $ 6,365,000 | $ 132,000 | $ 53,000 |
| HARRISONBURG, VA | 48 | $ 7,452,000 | $ 155,000 | $ 51,000 |
| JACKSONVILLE, NC | 48 | $ 6,268,000 | $ 130,000 | $ 50,000 |
| KINGSTON, NY | 48 | $ 9,910,000 | $ 206,000 | $ 78,000 |
| RACINE, WI | 47 | $ 6,584,000 | $ 140,000 | $ 52,000 |
| TERRE HAUTE, IN | 46 | $ 3,778,000 | $ 82,000 | $ 39,000 |
| LAWTON, OK | 45 | $ 4,475,000 | $ 99,000 | $ 53,000 |
| TEXARKANA, TX-AR | 45 | $ 4,547,000 | $ 100,500 | $ 46,000 |
| ALBANY, GA | 44 | $ 5,070,000 | $ 115,000 | $ 53,000 |
| AUBURN-OPELIKA, AL | 44 | $ 5,221,000 | $ 118,000 | $ 58,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 44 | $ 7,403,000 | $ 168,000 | $ 64,000 |
| DAYTON, OH | 44 | $ 5,039,000 | $ 114,000 | $ 48,000 |
| GLENS FALLS, NY | 44 | $ 5,889,000 | $ 133,000 | $ 44,000 |
| TYLER, TX | 44 | $ 5,165,000 | $ 117,000 | $ 54,000 |
| BOWLING GREEN, KY | 43 | $ 5,002,000 | $ 116,000 | $ 44,000 |
| CLEVELAND, TN | 43 | $ 3,902,000 | $ 90,000 | $ 39,000 |
| HATTIESBURG, MS | 43 | $ 4,832,000 | $ 112,000 | $ 46,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 43 | $ 14,400,000 | $ 334,000 | $ 91,000 |
| VALDOSTA, GA | 43 | $ 4,506,000 | $ 104,000 | $ 49,000 |
| ALTOONA, PA | 42 | $ 4,041,000 | $ 96,000 | $ 49,000 |
| AMARILLO, TX | 42 | $ 4,177,000 | $ 99,000 | $ 61,000 |
| BLOOMINGTON, IN | 42 | $ 5,244,000 | $ 124,000 | $ 50,000 |
| JEFFERSON CITY, MO | 42 | $ 4,777,000 | $ 113,000 | $ 41,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 42 | $ 4,676,000 | $ 111,000 | $ 58,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 42 | $ 8,624,000 | $ 205,000 | $ 102,000 |
| OGDEN-CLEARFIELD, UT | 42 | $ 6,739,000 | $ 160,000 | $ 55,000 |
| WILLIAMSPORT, PA | 42 | $ 5,528,000 | $ 131,000 | $ 56,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 41 | $ 14,597,000 | $ 356,000 | $ 77,000 |
| GETTYSBURG, PA | 41 | $ 6,949,000 | $ 169,000 | $ 66,000 |
| JOPLIN, MO | 41 | $ 3,885,000 | $ 94,000 | $ 43,000 |
| SPRINGFIELD, IL | 41 | $ 5,099,000 | $ 124,000 | $ 57,000 |
| STAUNTON-WAYNESBORO, VA | 41 | $ 6,240,000 | $ 152,000 | $ 49,000 |
| WAUSAU, WI | 41 | $ 4,991,000 | $ 121,000 | $ 56,000 |
| GOLDSBORO, NC | 40 | $ 4,777,000 | $ 119,000 | $ 50,000 |
| JOHNSTOWN, PA | 40 | $ 3,919,000 | $ 97,000 | $ 41,000 |
| JONESBORO, AR | 40 | $ 4,002,000 | $ 100,000 | $ 43,000 |
| KENNEWICK-RICHLAND, WA | 40 | $ 5,899,000 | $ 147,000 | $ 57,000 |
| NEW BERN, NC | 40 | $ 4,422,000 | $ 110,000 | $ 35,000 |
| CALIFORNIA-LEXINGTON PARK, MD | 39 | $ 9,915,000 | $ 254,000 | $ 88,000 |
| GAINESVILLE, GA | 39 | $ 5,765,000 | $ 147,000 | $ 49,000 |
| HOMOSASSA SPRINGS, FL | 39 | $ 4,871,000 | $ 124,000 | $ 48,000 |
| PINE BLUFF, AR | 39 | $ 3,437,000 | $ 88,000 | $ 43,000 |
| ALEXANDRIA, LA | 38 | $ 4,099,000 | $ 107,000 | $ 43,000 |
| MIDLAND, TX | 38 | $ 4,762,000 | $ 125,000 | $ 70,000 |
| SUMTER, SC | 38 | $ 4,608,000 | $ 121,000 | $ 46,000 |
| HAMMOND, LA | 37 | $ 5,692,000 | $ 153,000 | $ 64,000 |
| IDAHO FALLS, ID | 37 | $ 5,615,000 | $ 151,000 | $ 55,000 |
| WATERTOWN-FORT DRUM, NY | 37 | $ 5,062,000 | $ 136,000 | $ 48,000 |
| DALTON, GA | 36 | $ 4,165,000 | $ 115,000 | $ 49,000 |
| EUGENE, OR | 36 | $ 6,096,000 | $ 169,000 | $ 58,000 |
| STOCKTON-LODI, CA | 36 | $ 6,635,000 | $ 184,000 | $ 51,000 |
| JACKSON, TN | 35 | $ 3,832,000 | $ 109,000 | $ 44,000 |
| ODESSA, TX | 35 | $ 4,496,000 | $ 128,000 | $ 64,000 |
| SALEM, OR | 35 | $ 5,550,000 | $ 158,000 | $ 55,000 |
| ABILENE, TX | 34 | $ 3,982,000 | $ 117,000 | $ 55,000 |
| ELMIRA, NY | 34 | $ 3,339,000 | $ 98,000 | $ 47,000 |
| FOND DU LAC, WI | 34 | $ 4,715,000 | $ 138,000 | $ 42,000 |
| KOKOMO, IN | 34 | $ 3,023,000 | $ 88,000 | $ 50,000 |
| HOT SPRINGS, AR | 33 | $ 4,950,000 | $ 150,000 | $ 51,000 |
| LEBANON, PA | 33 | $ 3,996,000 | $ 121,000 | $ 42,000 |
| MORGANTOWN, WV | 33 | $ 4,483,000 | $ 135,000 | $ 56,000 |
| PARKERSBURG-VIENNA, WV | 33 | $ 3,515,000 | $ 106,000 | $ 70,000 |
| GADSDEN, AL | 32 | $ 3,151,000 | $ 98,000 | $ 49,000 |
| HINESVILLE, GA | 32 | $ 3,481,000 | $ 108,000 | $ 46,000 |
| SEBASTIAN-VERO BEACH, FL | 32 | $ 4,031,000 | $ 125,000 | $ 55,000 |
| SIOUX CITY, IA-NE-SD | 32 | $ 3,268,000 | $ 121,000 | $ 26,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 32 | $ 3,099,000 | $ 96,000 | $ 58,500 |
| GAINESVILLE, FL | 31 | $ 4,360,000 | $ 140,000 | $ 55,000 |
| OCEAN CITY, NJ | 31 | $ 5,530,000 | $ 178,000 | $ 94,000 |
| PUEBLO, CO | 31 | $ 3,434,000 | $ 110,000 | $ 40,000 |
| VISALIA-PORTERVILLE, CA | 31 | $ 5,415,000 | $ 174,000 | $ 63,000 |
| BRUNSWICK, GA | 30 | $ 4,292,000 | $ 143,000 | $ 48,000 |
| GREELEY, CO | 30 | $ 5,015,000 | $ 167,000 | $ 51,000 |
| SANTA FE, NM | 30 | $ 4,909,000 | $ 163,000 | $ 67,000 |
| WHEELING, WV-OH | 30 | $ 3,147,000 | $ 106,000 | $ 50,000 |
| BISMARCK, ND | 29 | $ 4,576,000 | $ 157,000 | $ 41,000 |
| MUNCIE, IN | 29 | $ 2,429,000 | $ 83,000 | $ 39,000 |
| ST. JOSEPH, MO-KS | 29 | $ 3,394,000 | $ 133,500 | $ 34,500 |
| YAKIMA, WA | 29 | $ 3,866,000 | $ 133,000 | $ 46,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 28 | $ 6,347,000 | $ 226,000 | $ 92,000 |
| LANSING-EAST LANSING, MI | 28 | $ 3,110,000 | $ 111,000 | $ 53,000 |
| LAS CRUCES, NM | 28 | $ 4,179,000 | $ 149,000 | $ 50,000 |
| SHERMAN-DENISON, TX | 28 | $ 3,194,000 | $ 114,000 | $ 63,000 |
| ATHENS-CLARKE COUNTY, GA | 27 | $ 2,882,000 | $ 106,000 | $ 38,000 |
| CARBONDALE-MARION, IL | 27 | $ 3,281,000 | $ 121,000 | $ 54,000 |
| LEWISTON-AUBURN, ME | 27 | $ 4,297,000 | $ 159,000 | $ 60,000 |
| MODESTO, CA | 27 | $ 4,713,000 | $ 174,000 | $ 49,000 |
| BREMERTON-SILVERDALE, WA | 26 | $ 4,832,000 | $ 185,000 | $ 63,000 |
| CUMBERLAND, MD-WV | 26 | $ 2,769,000 | $ 113,500 | $ 46,000 |
| FARGO, ND-MN | 26 | $ 3,883,000 | $ 147,000 | $ 64,500 |
| FLINT, MI | 26 | $ 2,584,000 | $ 99,000 | $ 50,000 |
| PANAMA CITY, FL | 26 | $ 3,430,000 | $ 131,000 | $ 53,000 |
| SHEBOYGAN, WI | 26 | $ 3,874,000 | $ 149,000 | $ 56,000 |
| VALLEJO-FAIRFIELD, CA | 26 | $ 6,512,000 | $ 250,000 | $ 80,000 |
| COLUMBIA, MO | 25 | $ 2,985,000 | $ 119,000 | $ 37,000 |
| OLYMPIA-TUMWATER, WA | 25 | $ 5,163,000 | $ 206,000 | $ 54,000 |
| PITTSFIELD, MA | 25 | $ 3,836,000 | $ 153,000 | $ 51,000 |
| BLOOMINGTON, IL | 24 | $ 3,204,000 | $ 133,000 | $ 60,000 |
| BLOOMSBURG-BERWICK, PA | 24 | $ 3,058,000 | $ 127,000 | $ 53,000 |
| SPRINGFIELD, OH | 24 | $ 3,020,000 | $ 125,000 | $ 64,000 |
| POCATELLO, ID | 23 | $ 2,812,000 | $ 122,000 | $ 40,000 |
| ROCHESTER, MN | 23 | $ 3,644,000 | $ 158,000 | $ 64,000 |
| TUCSON, AZ | 23 | $ 2,960,000 | $ 128,000 | $ 35,000 |
| BEND-REDMOND, OR | 22 | $ 4,591,000 | $ 208,000 | $ 92,000 |
| COLLEGE STATION-BRYAN, TX | 22 | $ 2,539,000 | $ 115,000 | $ 53,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 22 | $ 2,291,000 | $ 104,000 | $ 45,000 |
| KALAMAZOO-PORTAGE, MI | 22 | $ 2,808,000 | $ 127,000 | $ 47,000 |
| KANKAKEE, IL | 22 | $ 2,853,000 | $ 129,000 | $ 55,000 |
| WATERLOO-CEDAR FALLS, IA | 22 | $ 2,121,000 | $ 96,000 | $ 47,000 |
| GRAND FORKS, ND-MN | 21 | $ 2,745,000 | $ 130,500 | $ 72,000 |
| OSHKOSH-NEENAH, WI | 21 | $ 2,388,000 | $ 113,000 | $ 61,000 |
| SAN ANGELO, TX | 21 | $ 2,180,000 | $ 103,000 | $ 56,000 |
| STATE COLLEGE, PA | 21 | $ 3,030,000 | $ 144,000 | $ 50,000 |
| VICTORIA, TX | 21 | $ 2,107,000 | $ 100,000 | $ 57,000 |
| WICHITA FALLS, TX | 21 | $ 2,523,000 | $ 120,000 | $ 63,000 |
| CHAMPAIGN-URBANA, IL | 20 | $ 2,147,000 | $ 107,000 | $ 51,000 |
| DANVILLE, IL | 20 | $ 1,637,000 | $ 81,000 | $ 54,000 |
| GRAND JUNCTION, CO | 20 | $ 2,999,000 | $ 149,000 | $ 44,000 |
| LAWRENCE, KS | 20 | $ 3,088,000 | $ 154,000 | $ 52,000 |
| ST. CLOUD, MN | 20 | $ 3,229,000 | $ 161,000 | $ 54,000 |
| ELGIN, IL | 19 | $ 3,708,000 | $ 195,000 | $ 66,000 |
| ROME, GA | 19 | $ 2,060,000 | $ 108,000 | $ 68,000 |
| EAU CLAIRE, WI | 18 | $ 2,060,000 | $ 114,000 | $ 54,000 |
| JACKSON, MI | 18 | $ 2,382,000 | $ 132,000 | $ 56,000 |
| SAGINAW, MI | 18 | $ 1,680,000 | $ 93,000 | $ 68,000 |
| ALBANY, OR | 17 | $ 2,585,000 | $ 152,000 | $ 46,000 |
| BATTLE CREEK, MI | 17 | $ 2,221,000 | $ 130,000 | $ 53,000 |
| PROVO-OREM, UT | 17 | $ 3,368,000 | $ 198,000 | $ 63,000 |
| BELLINGHAM, WA | 16 | $ 3,313,000 | $ 207,000 | $ 42,000 |
| CAPE GIRARDEAU, MO-IL | 16 | $ 1,560,000 | $ 75,000 | $ 46,500 |
| LA CROSSE-ONALASKA, WI-MN | 16 | $ 2,279,000 | $ 157,000 | $ 69,500 |
| MANSFIELD, OH | 16 | $ 1,294,000 | $ 80,000 | $ 39,000 |
| NILES-BENTON HARBOR, MI | 16 | $ 1,751,000 | $ 109,000 | $ 69,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 16 | $ 7,020,000 | $ 438,000 | $ 115,000 |
| GRAND ISLAND, NE | 15 | $ 1,643,000 | $ 109,000 | $ 41,000 |
| LIMA, OH | 15 | $ 1,227,000 | $ 81,000 | $ 46,000 |
| MONROE, MI | 15 | $ 1,754,000 | $ 116,000 | $ 57,000 |
| THE VILLAGES, FL | 15 | $ 1,944,000 | $ 129,000 | $ 45,000 |
| WENATCHEE, WA | 14 | $ 2,039,000 | $ 145,000 | $ 41,000 |
| DUBUQUE, IA | 13 | $ 1,264,000 | $ 97,000 | $ 63,000 |
| HANFORD-CORCORAN, CA | 13 | $ 2,341,000 | $ 180,000 | $ 60,000 |
| IOWA CITY, IA | 13 | $ 2,029,000 | $ 156,000 | $ 66,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 13 | $ 1,765,000 | $ 135,000 | $ 50,000 |
| LEWISTON, ID-WA | 13 | $ 1,812,000 | $ 139,000 | $ 45,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 13 | $ 5,930,000 | $ 456,000 | $ 82,000 |
| DECATUR, IL | 12 | $ 933,000 | $ 77,000 | $ 53,000 |
| ITHACA, NY | 12 | $ 1,522,000 | $ 126,000 | $ 58,000 |
| ANN ARBOR, MI | 11 | $ 1,985,000 | $ 180,000 | $ 78,000 |
| BAY CITY, MI | 11 | $ 999,000 | $ 90,000 | $ 60,000 |
| CHICO, CA | 11 | $ 2,017,000 | $ 183,000 | $ 48,000 |
| LONGVIEW, WA | 11 | $ 1,917,000 | $ 174,000 | $ 58,000 |
| MEDFORD, OR | 11 | $ 2,665,000 | $ 242,000 | $ 64,000 |
| MERCED, CA | 11 | $ 1,761,000 | $ 160,000 | $ 66,000 |
| MOUNT VERNON-ANACORTES, WA | 11 | $ 1,991,000 | $ 181,000 | $ 60,000 |
| FORT COLLINS, CO | 10 | $ 2,471,000 | $ 247,000 | $ 85,000 |
| MADERA, CA | 10 | $ 1,525,000 | $ 152,000 | $ 41,000 |
| MANHATTAN, KS | 10 | $ 1,970,000 | $ 197,000 | $ 37,000 |
| PRESCOTT, AZ | 10 | $ 1,549,000 | $ 154,000 | $ 34,000 |
| SANTA ROSA, CA | 10 | $ 3,040,000 | $ 304,000 | $ 54,000 |
| YUBA CITY, CA | 10 | $ 1,843,000 | $ 184,000 | $ 60,000 |
| BOULDER, CO | 9 | $ 1,904,000 | $ 211,000 | $ 80,000 |
| GRANTS PASS, OR | 9 | $ 1,474,000 | $ 163,000 | $ 49,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 9 | $ 3,226,000 | $ 358,000 | $ 80,000 |
| SANTA MARIA-SANTA BARBARA, CA | 9 | $ 2,640,000 | $ 293,000 | $ 54,000 |
| WALLA WALLA, WA | 9 | $ 1,235,000 | $ 137,000 | $ 59,000 |
| LINCOLN, NE | 8 | $ 1,206,000 | $ 150,000 | $ 58,000 |
| LOGAN, UT-ID | 8 | $ 1,454,000 | $ 166,000 | $ 63,500 |
| MUSKEGON, MI | 8 | $ 850,000 | $ 106,000 | $ 44,000 |
| REDDING, CA | 8 | $ 949,000 | $ 118,000 | $ 33,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 8 | $ 2,427,000 | $ 303,000 | $ 93,000 |
| SIERRA VISTA-DOUGLAS, AZ | 8 | $ 1,118,000 | $ 139,000 | $ 50,000 |
| ST. GEORGE, UT | 8 | $ 1,586,000 | $ 198,000 | $ 70,000 |
| AMES, IA | 6 | $ 662,000 | $ 110,000 | $ 43,000 |
| OWENSBORO, KY | 6 | $ 625,000 | $ 104,000 | $ 60,000 |
| SALINAS, CA | 6 | $ 2,308,000 | $ 384,000 | $ 66,000 |
| CORVALLIS, OR | 5 | $ 828,000 | $ 165,000 | $ 48,000 |
| EL CENTRO, CA | 5 | $ 569,000 | $ 113,000 | $ 52,000 |
| MANKATO-NORTH MANKATO, MN | 5 | $ 851,000 | $ 170,000 | $ 48,000 |
| COLUMBUS, IN | 4 | $ 480,000 | $ 120,000 | $ 25,000 |
| YUMA, AZ | 4 | $ 587,000 | $ 146,000 | $ 68,000 |
| MIDLAND, MI | 3 | $ 154,000 | $ 51,000 | $ 18,000 |
| FARMINGTON, NM | 2 | $ 261,000 | $ 130,000 | $ 58,000 |
| SANTA CRUZ-WATSONVILLE, CA | 2 | $ 557,000 | $ 278,000 | $ 38,000 |
| CHEYENNE, WY | 1 | $ 193,000 | $ 193,000 | $ 80,000 |
| LAKE CHARLES, LA | 1 | $ 108,000 | $ 108,000 | $ 97,000 |
| NAPA, CA | 1 | $ 600,000 | $ 600,000 | $ 210,000 |
| SAN RAFAEL, CA | 1 | $ 387,000 | $ 387,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Embrace Home Loans, Inc. in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 50,267 | $7,657,595,000 | $152,000 | $1,788,000 | $58,000 | $2,580,000 |
| Home Purchase | 9,487 | $1,995,946,000 | $210,000 | $1,200,000 | $84,000 | $2,194,000 |
| Home Improvement | 382 | $62,654,000 | $164,000 | $930,000 | $77,000 | $427,000 |
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 | 30,077 | $5,103,602,000 | $169,000 | $1,560,000 | $67,000 | $2,580,000 |
| Not Provided | 20,478 | $3,036,341,000 | $148,000 | $1,788,000 | $55,000 | $2,027,000 |
| Black or African American | 5,075 | $743,497,000 | $146,000 | $1,300,000 | $56,000 | $2,194,000 |
| Hispanic | 3,506 | $594,978,000 | $169,000 | $1,520,000 | $59,000 | $1,411,000 |
| Asian | 775 | $194,239,000 | $250,000 | $1,315,000 | $88,000 | $1,452,000 |
| American Indian or Alaskan Native | 148 | $25,049,000 | $169,000 | $577,000 | $64,000 | $323,000 |
| Native Hawaiian or Other Pacific Islander | 77 | $18,489,000 | $240,000 | $975,000 | $72,000 | $389,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 31,248 | $4,627,944,000 | $148,000 | $736,000 | $53,000 | $2,580,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 23,609 | $4,100,249,000 | $173,000 | $1,788,000 | $74,000 | $1,643,000 |
| VA-guaranteed (Veterans Administration) | 4,608 | $880,605,000 | $191,000 | $1,089,000 | $64,000 | $1,300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 671 | $107,397,000 | $160,000 | $393,000 | $51,000 | $518,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 39,653 | $5,693,442,000 | $143,000 | $1,788,000 | $54,000 | $2,580,000 |
| Loan Originated | 14,712 | $2,919,181,000 | $198,000 | $1,490,000 | $77,000 | $1,643,000 |
| File Closed For Incompleteness | 2,682 | $425,767,000 | $158,000 | $1,520,000 | $71,000 | $820,000 |
| Application Withdrawn By Applicant | 1,594 | $316,647,000 | $198,000 | $1,016,000 | $82,000 | $2,194,000 |
| Loan Purchased By The Institution | 974 | $253,432,000 | $260,000 | $842,000 | $112,000 | $1,411,000 |
| Application Approved But Not Accepted | 521 | $107,726,000 | $206,000 | $1,284,000 | $73,000 | $467,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Embrace Home Loans, Inc.'s 2015 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.