Embrace Home Loans, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Embrace Home Loans, Inc. 2020 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 | 41,274 |
| Total Mortgage Loan Application Amount | $11,873,720,000 |
| Average Mortgage Loan Application Amount | $241,800 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $102,400 |
| Highest Applicant Income | $3,960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 4,771 | $ 1,942,045,000 | $ 380,000 | $ 126,750 |
| NA (OUTSIDE OF MSA/MD) | 2,646 | $ 545,110,000 | $ 223,045 | $ 94,636 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 1,724 | $ 639,470,000 | $ 370,000 | $ 142,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1,657 | $ 559,915,000 | $ 337,000 | $ 130,000 |
| PROVIDENCE-WARWICK, RI-MA | 1,543 | $ 433,635,000 | $ 280,500 | $ 106,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 1,249 | $ 500,415,000 | $ 400,000 | $ 151,000 |
| BOSTON, MA | 1,207 | $ 412,145,000 | $ 341,000 | $ 125,000 |
| SALISBURY, MD-DE | 990 | $ 247,020,000 | $ 246,000 | $ 112,500 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 908 | $ 315,190,000 | $ 347,000 | $ 131,000 |
| LYNCHBURG, VA | 896 | $ 177,030,000 | $ 197,000 | $ 74,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 872 | $ 226,060,000 | $ 259,000 | $ 103,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 701 | $ 157,535,000 | $ 224,000 | $ 89,000 |
| NEW YORK-NEWARK, NY | 696 | $ 234,340,000 | $ 305,000 | $ 151,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 676 | $ 267,600,000 | $ 389,500 | $ 141,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 602 | $ 144,000,000 | $ 239,000 | $ 90,000 |
| ROANOKE, VA | 551 | $ 102,235,000 | $ 185,000 | $ 75,000 |
| NEWARK, NJ-PA | 537 | $ 197,895,000 | $ 278,000 | $ 105,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 500 | $ 108,880,000 | $ 217,000 | $ 100,000 |
| MOBILE, AL | 473 | $ 75,125,000 | $ 158,000 | $ 60,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 430 | $ 176,410,000 | $ 410,000 | $ 122,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 424 | $ 109,230,000 | $ 257,000 | $ 100,000 |
| WILMINGTON, DE-MD-NJ | 420 | $ 109,870,000 | $ 257,333 | $ 105,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 418 | $ 88,440,000 | $ 226,500 | $ 87,500 |
| RICHMOND, VA | 395 | $ 96,055,000 | $ 243,000 | $ 93,000 |
| PORTLAND-SOUTH PORTLAND, ME | 391 | $ 109,455,000 | $ 279,000 | $ 109,000 |
| MANCHESTER-NASHUA, NH | 379 | $ 102,145,000 | $ 269,000 | $ 116,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 374 | $ 107,380,000 | $ 287,000 | $ 94,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 353 | $ 78,085,000 | $ 222,000 | $ 84,500 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 347 | $ 84,655,000 | $ 236,500 | $ 90,000 |
| LAKELAND-WINTER HAVEN, FL | 343 | $ 64,805,000 | $ 188,000 | $ 65,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 338 | $ 62,360,000 | $ 184,000 | $ 77,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 321 | $ 85,135,000 | $ 265,000 | $ 100,000 |
| DOVER, DE | 290 | $ 68,950,000 | $ 237,000 | $ 85,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 287 | $ 73,455,000 | $ 266,000 | $ 127,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 274 | $ 74,310,000 | $ 281,000 | $ 116,500 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 259 | $ 76,205,000 | $ 294,000 | $ 133,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 254 | $ 72,340,000 | $ 284,000 | $ 123,000 |
| JACKSONVILLE, FL | 236 | $ 58,760,000 | $ 248,000 | $ 95,000 |
| BARNSTABLE TOWN, MA | 207 | $ 62,215,000 | $ 300,000 | $ 136,000 |
| WORCESTER, MA-CT | 204 | $ 54,130,000 | $ 235,000 | $ 87,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 203 | $ 47,815,000 | $ 235,000 | $ 80,000 |
| PHILADELPHIA, PA | 192 | $ 43,370,000 | $ 225,000 | $ 95,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 186 | $ 53,650,000 | $ 288,000 | $ 98,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 180 | $ 39,380,000 | $ 218,000 | $ 87,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 180 | $ 56,230,000 | $ 312,000 | $ 97,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 178 | $ 52,280,000 | $ 293,000 | $ 114,000 |
| DENVER-AURORA-LAKEWOOD, CO | 175 | $ 52,835,000 | $ 301,000 | $ 89,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 167 | $ 39,215,000 | $ 234,000 | $ 123,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 167 | $ 43,125,000 | $ 258,000 | $ 103,000 |
| ST. LOUIS, MO-IL | 157 | $ 32,805,000 | $ 205,000 | $ 95,000 |
| CAMDEN, NJ | 155 | $ 35,585,000 | $ 229,000 | $ 110,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 155 | $ 60,545,000 | $ 390,000 | $ 111,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 151 | $ 42,245,000 | $ 279,000 | $ 122,000 |
| RALEIGH, NC | 150 | $ 41,440,000 | $ 276,000 | $ 136,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 145 | $ 30,245,000 | $ 208,000 | $ 92,000 |
| SPRINGFIELD, MA | 145 | $ 30,175,000 | $ 208,000 | $ 80,000 |
| DALLAS-PLANO-IRVING, TX | 144 | $ 37,110,000 | $ 257,000 | $ 118,000 |
| COLUMBUS, OH | 135 | $ 28,865,000 | $ 213,000 | $ 98,000 |
| KANSAS CITY, MO-KS | 131 | $ 28,735,000 | $ 220,500 | $ 85,000 |
| SAN DIEGO-CARLSBAD, CA | 131 | $ 52,375,000 | $ 399,000 | $ 110,000 |
| CAPE CORAL-FORT MYERS, FL | 129 | $ 30,675,000 | $ 237,000 | $ 107,000 |
| NEW ORLEANS-METAIRIE, LA | 128 | $ 28,020,000 | $ 218,000 | $ 92,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 126 | $ 27,620,000 | $ 219,000 | $ 98,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 125 | $ 40,205,000 | $ 321,000 | $ 150,000 |
| NEW HAVEN-MILFORD, CT | 123 | $ 29,475,000 | $ 239,000 | $ 100,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 118 | $ 44,870,000 | $ 380,000 | $ 153,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 113 | $ 37,825,000 | $ 307,000 | $ 119,000 |
| CINCINNATI, OH-KY-IN | 108 | $ 23,080,000 | $ 205,666 | $ 81,666 |
| PITTSBURGH, PA | 106 | $ 23,490,000 | $ 221,000 | $ 117,000 |
| SALT LAKE CITY, UT | 99 | $ 28,235,000 | $ 285,000 | $ 78,000 |
| MEMPHIS, TN-MS-AR | 95 | $ 18,265,000 | $ 184,000 | $ 83,333 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 91 | $ 39,185,000 | $ 430,000 | $ 124,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 87 | $ 20,375,000 | $ 234,000 | $ 91,000 |
| PORT ST. LUCIE, FL | 83 | $ 19,205,000 | $ 231,000 | $ 89,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 82 | $ 15,770,000 | $ 193,500 | $ 95,500 |
| SEATTLE-BELLEVUE-EVERETT, WA | 82 | $ 35,830,000 | $ 436,000 | $ 176,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 81 | $ 16,305,000 | $ 201,000 | $ 93,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 80 | $ 18,850,000 | $ 240,000 | $ 104,500 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 79 | $ 17,985,000 | $ 227,000 | $ 96,000 |
| NORWICH-NEW LONDON, CT | 73 | $ 17,335,000 | $ 237,000 | $ 97,000 |
| ALBUQUERQUE, NM | 71 | $ 14,455,000 | $ 203,000 | $ 80,000 |
| BOISE CITY, ID | 71 | $ 19,445,000 | $ 273,000 | $ 92,000 |
| FRESNO, CA | 71 | $ 17,995,000 | $ 253,000 | $ 101,000 |
| OKLAHOMA CITY, OK | 69 | $ 14,145,000 | $ 205,000 | $ 84,000 |
| EAST STROUDSBURG, PA | 68 | $ 13,140,000 | $ 193,000 | $ 88,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 67 | $ 16,045,000 | $ 239,000 | $ 93,000 |
| WINCHESTER, VA-WV | 67 | $ 18,625,000 | $ 223,500 | $ 79,500 |
| STOCKTON-LODI, CA | 64 | $ 20,610,000 | $ 322,000 | $ 94,000 |
| TRENTON, NJ | 63 | $ 21,515,000 | $ 341,000 | $ 158,000 |
| ALBANY-SCHENECTADY-TROY, NY | 62 | $ 13,080,000 | $ 210,000 | $ 92,000 |
| AUSTIN-ROUND ROCK, TX | 61 | $ 17,545,000 | $ 287,000 | $ 127,000 |
| BIRMINGHAM-HOOVER, AL | 61 | $ 12,625,000 | $ 206,000 | $ 85,000 |
| DURHAM-CHAPEL HILL, NC | 61 | $ 15,595,000 | $ 255,000 | $ 99,000 |
| TUCSON, AZ | 60 | $ 13,350,000 | $ 222,000 | $ 83,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 59 | $ 29,895,000 | $ 506,000 | $ 130,000 |
| KNOXVILLE, TN | 57 | $ 12,045,000 | $ 211,000 | $ 90,000 |
| BAKERSFIELD, CA | 56 | $ 12,580,000 | $ 224,000 | $ 71,000 |
| COLORADO SPRINGS, CO | 55 | $ 14,095,000 | $ 256,000 | $ 85,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 55 | $ 12,385,000 | $ 225,000 | $ 112,000 |
| ASHEVILLE, NC | 53 | $ 13,585,000 | $ 256,000 | $ 101,000 |
| CHARLOTTESVILLE, VA | 53 | $ 14,675,000 | $ 276,000 | $ 106,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 53 | $ 11,475,000 | $ 216,000 | $ 90,000 |
| CLEVELAND-ELYRIA, OH | 51 | $ 10,505,000 | $ 205,000 | $ 143,000 |
| HARRISBURG-CARLISLE, PA | 51 | $ 9,935,000 | $ 194,000 | $ 94,000 |
| WINSTON-SALEM, NC | 51 | $ 9,385,000 | $ 184,000 | $ 71,000 |
| GREENSBORO-HIGH POINT, NC | 50 | $ 10,680,000 | $ 213,000 | $ 98,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 50 | $ 10,850,000 | $ 242,000 | $ 107,000 |
| OCALA, FL | 49 | $ 8,155,000 | $ 166,000 | $ 68,000 |
| BANGOR, ME | 48 | $ 8,040,000 | $ 167,000 | $ 68,000 |
| BATON ROUGE, LA | 48 | $ 10,460,000 | $ 217,000 | $ 80,000 |
| READING, PA | 48 | $ 9,640,000 | $ 200,000 | $ 105,000 |
| TULSA, OK | 48 | $ 9,990,000 | $ 208,000 | $ 102,000 |
| YORK-HANOVER, PA | 48 | $ 10,430,000 | $ 217,000 | $ 101,000 |
| CHICAGO-NAPERVILLE, IL | 47 | $ 15,065,000 | $ 320,000 | $ 161,000 |
| VALLEJO-FAIRFIELD, CA | 47 | $ 15,875,000 | $ 337,000 | $ 92,000 |
| MODESTO, CA | 46 | $ 12,720,000 | $ 276,000 | $ 95,000 |
| CHATTANOOGA, TN-GA | 45 | $ 8,555,000 | $ 175,500 | $ 73,500 |
| FORT WORTH-ARLINGTON, TX | 45 | $ 9,885,000 | $ 219,000 | $ 95,000 |
| HUNTSVILLE, AL | 45 | $ 9,085,000 | $ 201,000 | $ 84,000 |
| GARY, IN | 44 | $ 8,410,000 | $ 191,000 | $ 92,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 44 | $ 23,900,000 | $ 543,000 | $ 189,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 43 | $ 9,485,000 | $ 223,000 | $ 104,000 |
| CALIFORNIA-LEXINGTON PARK, MD | 43 | $ 14,115,000 | $ 328,000 | $ 122,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 43 | $ 8,795,000 | $ 204,000 | $ 75,000 |
| DES MOINES-WEST DES MOINES, IA | 43 | $ 8,315,000 | $ 193,000 | $ 91,000 |
| FAYETTEVILLE, NC | 43 | $ 7,725,000 | $ 179,000 | $ 103,000 |
| LEWISTON-AUBURN, ME | 42 | $ 7,910,000 | $ 188,000 | $ 73,000 |
| OGDEN-CLEARFIELD, UT | 42 | $ 11,380,000 | $ 270,000 | $ 81,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 41 | $ 7,485,000 | $ 182,000 | $ 70,000 |
| SAVANNAH, GA | 41 | $ 8,355,000 | $ 203,000 | $ 81,000 |
| STAUNTON-WAYNESBORO, VA | 41 | $ 8,055,000 | $ 196,000 | $ 75,000 |
| COLUMBIA, SC | 40 | $ 8,780,000 | $ 219,000 | $ 88,000 |
| GETTYSBURG, PA | 40 | $ 9,170,000 | $ 229,000 | $ 92,000 |
| PUNTA GORDA, FL | 40 | $ 8,990,000 | $ 224,000 | $ 89,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 37 | $ 14,035,000 | $ 379,000 | $ 156,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 37 | $ 15,425,000 | $ 416,000 | $ 117,000 |
| JACKSON, MS | 35 | $ 6,815,000 | $ 194,000 | $ 98,000 |
| SYRACUSE, NY | 35 | $ 6,005,000 | $ 171,000 | $ 94,000 |
| AKRON, OH | 34 | $ 6,810,000 | $ 200,000 | $ 96,000 |
| LANCASTER, PA | 34 | $ 8,290,000 | $ 243,000 | $ 113,000 |
| ROCHESTER, NY | 34 | $ 6,750,000 | $ 198,000 | $ 117,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 32 | $ 5,180,000 | $ 161,000 | $ 70,000 |
| WILMINGTON, NC | 32 | $ 8,370,000 | $ 261,000 | $ 106,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 31 | $ 7,615,000 | $ 245,000 | $ 132,000 |
| GRAND RAPIDS-WYOMING, MI | 30 | $ 5,330,000 | $ 177,000 | $ 81,000 |
| PROVO-OREM, UT | 30 | $ 9,850,000 | $ 328,000 | $ 126,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 29 | $ 6,785,000 | $ 233,000 | $ 114,000 |
| BOULDER, CO | 28 | $ 10,960,000 | $ 391,000 | $ 137,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 27 | $ 6,615,000 | $ 245,000 | $ 119,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 27 | $ 6,955,000 | $ 257,000 | $ 131,000 |
| VISALIA-PORTERVILLE, CA | 27 | $ 6,445,000 | $ 238,000 | $ 75,000 |
| COLUMBUS, GA-AL | 26 | $ 4,960,000 | $ 172,000 | $ 80,500 |
| FORT WAYNE, IN | 26 | $ 4,920,000 | $ 189,000 | $ 71,000 |
| LAFAYETTE, LA | 26 | $ 4,920,000 | $ 189,000 | $ 83,000 |
| MADISON, WI | 26 | $ 7,290,000 | $ 280,000 | $ 101,000 |
| MONTGOMERY, AL | 26 | $ 5,110,000 | $ 196,000 | $ 73,000 |
| SEBASTIAN-VERO BEACH, FL | 25 | $ 5,885,000 | $ 235,000 | $ 81,000 |
| TALLAHASSEE, FL | 25 | $ 4,945,000 | $ 197,000 | $ 72,000 |
| WICHITA, KS | 25 | $ 4,505,000 | $ 180,000 | $ 87,000 |
| COEUR D'ALENE, ID | 24 | $ 6,780,000 | $ 282,000 | $ 89,000 |
| GAINESVILLE, GA | 24 | $ 6,150,000 | $ 256,000 | $ 87,000 |
| HICKORY-LENOIR-MORGANTON, NC | 24 | $ 3,540,000 | $ 147,000 | $ 57,000 |
| MERCED, CA | 24 | $ 5,460,000 | $ 227,000 | $ 79,000 |
| SALINAS, CA | 24 | $ 9,020,000 | $ 375,000 | $ 126,000 |
| SANTA ROSA, CA | 24 | $ 9,900,000 | $ 412,000 | $ 140,000 |
| LANSING-EAST LANSING, MI | 23 | $ 4,205,000 | $ 182,000 | $ 55,000 |
| LEXINGTON-FAYETTE, KY | 23 | $ 4,445,000 | $ 193,000 | $ 120,000 |
| SANTA MARIA-SANTA BARBARA, CA | 23 | $ 11,275,000 | $ 490,000 | $ 126,000 |
| CLARKSVILLE, TN-KY | 22 | $ 3,800,000 | $ 153,500 | $ 53,000 |
| EUGENE, OR | 22 | $ 6,390,000 | $ 290,000 | $ 64,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 22 | $ 3,650,000 | $ 167,666 | $ 68,333 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 22 | $ 3,360,000 | $ 163,000 | $ 69,500 |
| CANTON-MASSILLON, OH | 21 | $ 3,595,000 | $ 171,000 | $ 77,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 21 | $ 4,075,000 | $ 194,000 | $ 84,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 20 | $ 3,530,000 | $ 176,000 | $ 67,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 20 | $ 4,560,000 | $ 228,000 | $ 85,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 20 | $ 4,690,000 | $ 263,000 | $ 143,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 20 | $ 4,970,000 | $ 248,000 | $ 60,000 |
| TACOMA-LAKEWOOD, WA | 20 | $ 6,230,000 | $ 311,000 | $ 104,000 |
| TOLEDO, OH | 20 | $ 4,250,000 | $ 212,000 | $ 143,000 |
| PANAMA CITY, FL | 19 | $ 3,535,000 | $ 186,000 | $ 61,000 |
| RACINE, WI | 19 | $ 4,015,000 | $ 211,000 | $ 69,000 |
| REDDING, CA | 19 | $ 4,975,000 | $ 261,000 | $ 87,000 |
| SPARTANBURG, SC | 19 | $ 5,255,000 | $ 276,000 | $ 103,000 |
| ATHENS-CLARKE COUNTY, GA | 18 | $ 4,700,000 | $ 261,000 | $ 83,000 |
| GREELEY, CO | 18 | $ 5,430,000 | $ 301,000 | $ 114,000 |
| OCEAN CITY, NJ | 18 | $ 4,450,000 | $ 247,000 | $ 96,000 |
| SPRINGFIELD, MO | 18 | $ 3,630,000 | $ 201,000 | $ 72,000 |
| CHICO, CA | 17 | $ 4,785,000 | $ 281,000 | $ 80,000 |
| EVANSVILLE, IN-KY | 17 | $ 3,575,000 | $ 210,000 | $ 71,500 |
| FORT COLLINS, CO | 17 | $ 6,475,000 | $ 380,000 | $ 112,000 |
| HOUMA-THIBODAUX, LA | 17 | $ 3,045,000 | $ 179,000 | $ 57,000 |
| SALEM, OR | 17 | $ 3,835,000 | $ 225,000 | $ 71,000 |
| CHARLESTON, WV | 16 | $ 2,820,000 | $ 176,000 | $ 73,000 |
| DULUTH, MN-WI | 16 | $ 3,750,000 | $ 249,500 | $ 115,500 |
| FORT SMITH, AR-OK | 16 | $ 3,050,000 | $ 190,000 | $ 48,000 |
| HANFORD-CORCORAN, CA | 16 | $ 3,800,000 | $ 237,000 | $ 71,000 |
| JACKSONVILLE, NC | 16 | $ 2,820,000 | $ 176,000 | $ 64,000 |
| LAS CRUCES, NM | 16 | $ 3,270,000 | $ 204,000 | $ 111,000 |
| MEDFORD, OR | 16 | $ 3,870,000 | $ 241,000 | $ 75,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 16 | $ 2,120,000 | $ 101,000 | $ 66,000 |
| BLOOMINGTON, IN | 15 | $ 3,165,000 | $ 211,000 | $ 106,000 |
| BREMERTON-SILVERDALE, WA | 15 | $ 4,385,000 | $ 292,000 | $ 133,000 |
| JOHNSON CITY, TN | 15 | $ 2,465,000 | $ 164,000 | $ 56,000 |
| TUSCALOOSA, AL | 15 | $ 2,505,000 | $ 167,000 | $ 86,000 |
| UTICA-ROME, NY | 15 | $ 2,415,000 | $ 161,000 | $ 73,000 |
| ELKHART-GOSHEN, IN | 14 | $ 2,490,000 | $ 177,000 | $ 58,000 |
| GREEN BAY, WI | 14 | $ 2,370,000 | $ 169,000 | $ 69,000 |
| SEBRING, FL | 14 | $ 2,260,000 | $ 161,000 | $ 54,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 14 | $ 2,390,000 | $ 160,500 | $ 84,000 |
| STATE COLLEGE, PA | 14 | $ 3,550,000 | $ 253,000 | $ 95,000 |
| FLORENCE, SC | 13 | $ 1,995,000 | $ 153,000 | $ 60,000 |
| GAINESVILLE, FL | 13 | $ 3,565,000 | $ 274,000 | $ 143,000 |
| MACON-BIBB COUNTY, GA | 13 | $ 1,955,000 | $ 150,000 | $ 72,000 |
| NEW BERN, NC | 13 | $ 2,985,000 | $ 229,000 | $ 83,000 |
| TOPEKA, KS | 13 | $ 3,155,000 | $ 242,000 | $ 102,000 |
| BINGHAMTON, NY | 12 | $ 1,860,000 | $ 155,000 | $ 76,000 |
| GLENS FALLS, NY | 12 | $ 2,070,000 | $ 172,000 | $ 50,000 |
| LAKE CHARLES, LA | 12 | $ 2,520,000 | $ 210,000 | $ 95,000 |
| LINCOLN, NE | 12 | $ 2,350,000 | $ 195,000 | $ 77,000 |
| MORGANTOWN, WV | 12 | $ 2,550,000 | $ 212,000 | $ 111,000 |
| ROCHESTER, MN | 12 | $ 2,980,000 | $ 248,000 | $ 94,000 |
| SANTA FE, NM | 12 | $ 3,900,000 | $ 325,000 | $ 127,000 |
| SIOUX CITY, IA-NE-SD | 12 | $ 1,750,000 | $ 222,500 | $ 138,000 |
| ST. GEORGE, UT | 12 | $ 3,040,000 | $ 253,000 | $ 71,000 |
| THE VILLAGES, FL | 12 | $ 2,560,000 | $ 213,000 | $ 102,000 |
| VALDOSTA, GA | 12 | $ 2,510,000 | $ 209,000 | $ 110,000 |
| VINELAND-BRIDGETON, NJ | 12 | $ 2,260,000 | $ 188,000 | $ 87,000 |
| CLEVELAND, TN | 11 | $ 2,035,000 | $ 185,000 | $ 76,000 |
| EL PASO, TX | 11 | $ 2,235,000 | $ 203,000 | $ 81,000 |
| FLORENCE-MUSCLE SHOALS, AL | 11 | $ 1,745,000 | $ 158,000 | $ 71,000 |
| GRAND JUNCTION, CO | 11 | $ 2,235,000 | $ 203,000 | $ 52,000 |
| KINGSTON, NY | 11 | $ 2,845,000 | $ 258,000 | $ 79,000 |
| NILES-BENTON HARBOR, MI | 11 | $ 1,735,000 | $ 157,000 | $ 87,000 |
| APPLETON, WI | 10 | $ 1,720,000 | $ 172,000 | $ 65,000 |
| BURLINGTON, NC | 10 | $ 1,680,000 | $ 168,000 | $ 67,000 |
| FLAGSTAFF, AZ | 10 | $ 2,410,000 | $ 241,000 | $ 68,000 |
| HARRISONBURG, VA | 10 | $ 2,100,000 | $ 210,000 | $ 77,000 |
| HATTIESBURG, MS | 10 | $ 1,440,000 | $ 144,000 | $ 112,000 |
| HOMOSASSA SPRINGS, FL | 10 | $ 2,500,000 | $ 250,000 | $ 79,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 10 | $ 2,740,000 | $ 274,000 | $ 133,000 |
| PUEBLO, CO | 10 | $ 2,280,000 | $ 228,000 | $ 77,000 |
| SHREVEPORT-BOSSIER CITY, LA | 10 | $ 2,030,000 | $ 203,000 | $ 147,000 |
| WARNER ROBINS, GA | 10 | $ 2,040,000 | $ 204,000 | $ 55,000 |
| ALEXANDRIA, LA | 9 | $ 1,795,000 | $ 199,000 | $ 170,000 |
| BLOOMSBURG-BERWICK, PA | 9 | $ 1,665,000 | $ 185,000 | $ 81,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 9 | $ 1,855,000 | $ 211,000 | $ 75,000 |
| GOLDSBORO, NC | 9 | $ 1,495,000 | $ 166,000 | $ 64,000 |
| HAMMOND, LA | 9 | $ 1,695,000 | $ 188,000 | $ 68,000 |
| IDAHO FALLS, ID | 9 | $ 2,205,000 | $ 245,000 | $ 77,000 |
| IOWA CITY, IA | 9 | $ 1,815,000 | $ 201,000 | $ 82,000 |
| LEBANON, PA | 9 | $ 1,605,000 | $ 178,000 | $ 68,000 |
| MCALLEN-EDINBURG-MISSION, TX | 9 | $ 1,365,000 | $ 151,000 | $ 71,000 |
| MONROE, LA | 9 | $ 2,195,000 | $ 243,000 | $ 112,000 |
| MONROE, MI | 9 | $ 2,005,000 | $ 222,000 | $ 147,000 |
| NAPA, CA | 9 | $ 4,395,000 | $ 488,000 | $ 134,000 |
| SANTA CRUZ-WATSONVILLE, CA | 9 | $ 4,545,000 | $ 505,000 | $ 136,000 |
| SUMTER, SC | 9 | $ 1,445,000 | $ 160,000 | $ 69,000 |
| TERRE HAUTE, IN | 9 | $ 1,525,000 | $ 169,000 | $ 76,000 |
| YUBA CITY, CA | 9 | $ 2,205,000 | $ 245,000 | $ 67,000 |
| ALBANY, OR | 8 | $ 1,730,000 | $ 216,000 | $ 81,000 |
| BECKLEY, WV | 8 | $ 1,280,000 | $ 160,000 | $ 73,000 |
| BEND-REDMOND, OR | 8 | $ 2,700,000 | $ 337,000 | $ 105,000 |
| BOWLING GREEN, KY | 8 | $ 1,290,000 | $ 161,000 | $ 52,000 |
| BRUNSWICK, GA | 8 | $ 1,930,000 | $ 241,000 | $ 149,000 |
| CEDAR RAPIDS, IA | 8 | $ 1,470,000 | $ 183,000 | $ 58,000 |
| EL CENTRO, CA | 8 | $ 1,770,000 | $ 221,000 | $ 76,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 8 | $ 1,180,000 | $ 147,000 | $ 50,000 |
| ERIE, PA | 8 | $ 1,590,000 | $ 198,000 | $ 130,000 |
| FARGO, ND-MN | 8 | $ 1,970,000 | $ 228,500 | $ 127,500 |
| JOPLIN, MO | 8 | $ 1,340,000 | $ 167,000 | $ 105,000 |
| MORRISTOWN, TN | 8 | $ 1,410,000 | $ 176,000 | $ 74,000 |
| MUSKEGON, MI | 8 | $ 1,650,000 | $ 206,000 | $ 95,000 |
| PITTSFIELD, MA | 8 | $ 1,440,000 | $ 180,000 | $ 71,000 |
| ROCKY MOUNT, NC | 8 | $ 2,220,000 | $ 277,000 | $ 72,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 8 | $ 2,900,000 | $ 362,000 | $ 120,000 |
| SAN RAFAEL, CA | 8 | $ 4,370,000 | $ 546,000 | $ 160,000 |
| ST. CLOUD, MN | 8 | $ 1,290,000 | $ 161,000 | $ 58,000 |
| TWIN FALLS, ID | 8 | $ 1,880,000 | $ 235,000 | $ 90,000 |
| ANN ARBOR, MI | 7 | $ 1,745,000 | $ 249,000 | $ 104,000 |
| AUBURN-OPELIKA, AL | 7 | $ 2,125,000 | $ 303,000 | $ 147,000 |
| BELLINGHAM, WA | 7 | $ 2,075,000 | $ 296,000 | $ 95,000 |
| EAU CLAIRE, WI | 7 | $ 1,275,000 | $ 182,000 | $ 149,000 |
| ENID, OK | 7 | $ 1,115,000 | $ 159,000 | $ 81,000 |
| FLINT, MI | 7 | $ 925,000 | $ 132,000 | $ 59,000 |
| GRAND FORKS, ND-MN | 7 | $ 1,215,000 | $ 169,000 | $ 138,000 |
| GRANTS PASS, OR | 7 | $ 2,585,000 | $ 369,000 | $ 96,000 |
| GREENVILLE, NC | 7 | $ 1,065,000 | $ 152,000 | $ 130,000 |
| JACKSON, MI | 7 | $ 1,215,000 | $ 173,000 | $ 108,000 |
| JANESVILLE-BELOIT, WI | 7 | $ 1,215,000 | $ 173,000 | $ 101,000 |
| JEFFERSON CITY, MO | 7 | $ 1,055,000 | $ 150,000 | $ 53,000 |
| KALAMAZOO-PORTAGE, MI | 7 | $ 1,495,000 | $ 213,000 | $ 95,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 7 | $ 1,465,000 | $ 209,000 | $ 79,000 |
| LAWTON, OK | 7 | $ 1,315,000 | $ 187,000 | $ 60,000 |
| MADERA, CA | 7 | $ 1,235,000 | $ 176,000 | $ 58,000 |
| MICHIGAN CITY-LA PORTE, IN | 7 | $ 1,175,000 | $ 167,000 | $ 92,000 |
| OSHKOSH-NEENAH, WI | 7 | $ 1,385,000 | $ 197,000 | $ 75,000 |
| OWENSBORO, KY | 7 | $ 1,405,000 | $ 200,000 | $ 74,000 |
| PEORIA, IL | 7 | $ 925,000 | $ 132,000 | $ 65,000 |
| BEAUMONT-PORT ARTHUR, TX | 6 | $ 1,280,000 | $ 213,000 | $ 116,000 |
| BROWNSVILLE-HARLINGEN, TX | 6 | $ 1,040,000 | $ 173,000 | $ 199,000 |
| COLUMBIA, MO | 6 | $ 930,000 | $ 155,000 | $ 56,000 |
| CUMBERLAND, MD-WV | 6 | $ 950,000 | $ 117,000 | $ 53,000 |
| DECATUR, AL | 6 | $ 1,230,000 | $ 205,000 | $ 76,000 |
| HINESVILLE, GA | 6 | $ 770,000 | $ 128,000 | $ 89,000 |
| HOT SPRINGS, AR | 6 | $ 1,090,000 | $ 181,000 | $ 74,000 |
| JACKSON, TN | 6 | $ 970,000 | $ 161,000 | $ 70,000 |
| KENNEWICK-RICHLAND, WA | 6 | $ 1,450,000 | $ 241,000 | $ 90,000 |
| KILLEEN-TEMPLE, TX | 6 | $ 1,020,000 | $ 170,000 | $ 102,000 |
| LONGVIEW, TX | 6 | $ 920,000 | $ 153,000 | $ 57,000 |
| ROCKFORD, IL | 6 | $ 640,000 | $ 106,000 | $ 56,000 |
| SIERRA VISTA-DOUGLAS, AZ | 6 | $ 1,000,000 | $ 166,000 | $ 71,000 |
| SPOKANE-SPOKANE VALLEY, WA | 6 | $ 1,150,000 | $ 191,000 | $ 65,000 |
| ST. JOSEPH, MO-KS | 6 | $ 1,190,000 | $ 198,000 | $ 93,000 |
| WATERLOO-CEDAR FALLS, IA | 6 | $ 1,070,000 | $ 178,000 | $ 108,000 |
| WHEELING, WV-OH | 6 | $ 1,190,000 | $ 198,000 | $ 150,000 |
| WILLIAMSPORT, PA | 6 | $ 1,000,000 | $ 166,000 | $ 100,000 |
| BISMARCK, ND | 5 | $ 1,125,000 | $ 225,000 | $ 88,000 |
| CORVALLIS, OR | 5 | $ 1,225,000 | $ 245,000 | $ 84,000 |
| DALTON, GA | 5 | $ 745,000 | $ 149,000 | $ 60,000 |
| FOND DU LAC, WI | 5 | $ 1,065,000 | $ 213,000 | $ 96,000 |
| GADSDEN, AL | 5 | $ 775,000 | $ 155,000 | $ 63,000 |
| LOGAN, UT-ID | 5 | $ 1,345,000 | $ 211,000 | $ 72,500 |
| MIDLAND, TX | 5 | $ 1,165,000 | $ 233,000 | $ 79,000 |
| OLYMPIA-TUMWATER, WA | 5 | $ 2,125,000 | $ 425,000 | $ 156,000 |
| ROME, GA | 5 | $ 995,000 | $ 199,000 | $ 67,000 |
| SPRINGFIELD, IL | 5 | $ 755,000 | $ 151,000 | $ 64,000 |
| ABILENE, TX | 4 | $ 660,000 | $ 165,000 | $ 60,000 |
| ALBANY, GA | 4 | $ 780,000 | $ 195,000 | $ 58,000 |
| AMARILLO, TX | 4 | $ 1,280,000 | $ 320,000 | $ 98,000 |
| AMES, IA | 4 | $ 740,000 | $ 185,000 | $ 70,000 |
| ANNISTON-OXFORD-JACKSONVILLE, AL | 4 | $ 640,000 | $ 160,000 | $ 60,000 |
| BATTLE CREEK, MI | 4 | $ 780,000 | $ 195,000 | $ 76,000 |
| CHAMPAIGN-URBANA, IL | 4 | $ 2,050,000 | $ 512,000 | $ 211,000 |
| COLUMBUS, IN | 4 | $ 720,000 | $ 180,000 | $ 86,000 |
| ELGIN, IL | 4 | $ 1,000,000 | $ 250,000 | $ 155,000 |
| JOHNSTOWN, PA | 4 | $ 980,000 | $ 245,000 | $ 104,000 |
| JONESBORO, AR | 4 | $ 710,000 | $ 177,000 | $ 94,000 |
| LA CROSSE-ONALASKA, WI-MN | 4 | $ 530,000 | $ 132,000 | $ 79,000 |
| LAWRENCE, KS | 4 | $ 860,000 | $ 215,000 | $ 78,000 |
| ODESSA, TX | 4 | $ 650,000 | $ 162,000 | $ 56,000 |
| SPRINGFIELD, OH | 4 | $ 730,000 | $ 182,000 | $ 111,000 |
| TYLER, TX | 4 | $ 1,040,000 | $ 260,000 | $ 112,000 |
| WAUSAU, WI | 4 | $ 610,000 | $ 152,000 | $ 48,000 |
| ALTOONA, PA | 3 | $ 455,000 | $ 151,000 | $ 53,000 |
| CAPE GIRARDEAU, MO-IL | 3 | $ 835,000 | $ 240,000 | $ 160,000 |
| DOTHAN, AL | 3 | $ 375,000 | $ 125,000 | $ 49,000 |
| ELMIRA, NY | 3 | $ 605,000 | $ 201,000 | $ 27,000 |
| ITHACA, NY | 3 | $ 735,000 | $ 245,000 | $ 73,000 |
| PARKERSBURG-VIENNA, WV | 3 | $ 395,000 | $ 131,000 | $ 71,000 |
| PINE BLUFF, AR | 3 | $ 555,000 | $ 185,000 | $ 105,000 |
| SAGINAW, MI | 3 | $ 455,000 | $ 151,000 | $ 58,000 |
| SHEBOYGAN, WI | 3 | $ 535,000 | $ 178,000 | $ 40,000 |
| SHERMAN-DENISON, TX | 3 | $ 735,000 | $ 245,000 | $ 73,000 |
| WATERTOWN-FORT DRUM, NY | 3 | $ 675,000 | $ 225,000 | $ 81,000 |
| YUMA, AZ | 3 | $ 555,000 | $ 185,000 | $ 26,000 |
| BLOOMINGTON, IL | 2 | $ 410,000 | $ 205,000 | $ 90,000 |
| CARBONDALE-MARION, IL | 2 | $ 330,000 | $ 165,000 | $ 58,000 |
| COLLEGE STATION-BRYAN, TX | 2 | $ 380,000 | $ 190,000 | $ 83,000 |
| DUBUQUE, IA | 2 | $ 340,000 | $ 170,000 | $ 65,000 |
| GRAND ISLAND, NE | 2 | $ 370,000 | $ 185,000 | $ 78,000 |
| LAREDO, TX | 2 | $ 350,000 | $ 175,000 | $ 89,000 |
| LEWISTON, ID-WA | 2 | $ 540,000 | $ 270,000 | $ 154,500 |
| LONGVIEW, WA | 2 | $ 570,000 | $ 285,000 | $ 114,000 |
| MANSFIELD, OH | 2 | $ 170,000 | $ 85,000 | $ 73,000 |
| MOUNT VERNON-ANACORTES, WA | 2 | $ 460,000 | $ 230,000 | $ 57,000 |
| POCATELLO, ID | 2 | $ 320,000 | $ 160,000 | $ 57,000 |
| SAN ANGELO, TX | 2 | $ 310,000 | $ 155,000 | $ 72,000 |
| WACO, TX | 2 | $ 160,000 | $ 80,000 | $ 20,000 |
| WENATCHEE, WA | 2 | $ 400,000 | $ 200,000 | $ 39,000 |
| ANCHORAGE, AK | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| BAY CITY, MI | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| BILLINGS, MT | 1 | $ 405,000 | $ 405,000 | $ 513,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| DANVILLE, IL | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| FARMINGTON, NM | 1 | $ 285,000 | $ 285,000 | $ 162,000 |
| KANKAKEE, IL | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| LIMA, OH | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| LUBBOCK, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| MANHATTAN, KS | 1 | $ 155,000 | $ 155,000 | $ 0 |
| MANKATO-NORTH MANKATO, MN | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| MIDLAND, MI | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| MUNCIE, IN | 1 | $ 335,000 | $ 335,000 | $ 101,000 |
| TEXARKANA, TX-AR | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| VICTORIA, TX | 1 | $ 235,000 | $ 235,000 | $ 158,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| WICHITA FALLS, TX | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| YAKIMA, WA | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Embrace Home Loans, Inc. in 2020
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 | 18,836 | $5,550,140,000 | $294,000 | $2,505,000 | $122,000 | $3,960,000 |
| Cash-out Refinancing | 11,091 | $2,944,845,000 | $265,000 | $2,665,000 | $98,000 | $3,740,000 |
| Home Purchase | 11,005 | $3,321,975,000 | $301,000 | $2,075,000 | $108,000 | $2,106,000 |
| Other Purpose | 241 | $36,935,000 | $153,000 | $1,255,000 | $80,000 | $490,000 |
| Home Improvement | 101 | $19,825,000 | $196,000 | $605,000 | $104,000 | $647,000 |
| 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 | 24,746 | $6,941,040,000 | $280,000 | $2,665,000 | $113,000 | $3,960,000 |
| Not Provided | 8,570 | $2,625,520,000 | $306,000 | $1,875,000 | $118,000 | $3,670,000 |
| Black or African American | 3,443 | $950,745,000 | $276,000 | $1,625,000 | $89,000 | $859,000 |
| Hispanic | 2,968 | $804,550,000 | $271,000 | $975,000 | $85,000 | $1,092,000 |
| Asian | 1,329 | $477,995,000 | $359,000 | $2,435,000 | $130,000 | $2,400,000 |
| American Indian or Alaskan Native | 74 | $22,510,000 | $304,000 | $1,805,000 | $102,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 46 | $12,620,000 | $274,000 | $765,000 | $106,000 | $277,000 |
| Not applicable | 3 | $1,485,000 | $495,000 | $655,000 | $147,000 | $226,000 |
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) | 25,697 | $7,816,965,000 | $304,000 | $2,665,000 | $126,000 | $3,960,000 |
| FHA-insured (Federal Housing Administration) | 10,447 | $2,481,245,000 | $237,000 | $925,000 | $75,000 | $1,800,000 |
| VA-guaranteed (Veterans Administration) | 4,337 | $1,417,165,000 | $326,000 | $1,555,000 | $97,000 | $1,476,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 793 | $158,345,000 | $199,000 | $495,000 | $57,000 | $935,000 |
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 | 18,099 | $5,565,915,000 | $307,000 | $1,875,000 | $119,000 | $2,746,000 |
| Application Denied By Financial Institution | 7,834 | $2,051,720,000 | $261,000 | $2,665,000 | $87,000 | $3,740,000 |
| Application Withdrawn By Applicant | 6,721 | $1,889,155,000 | $281,000 | $1,665,000 | $116,000 | $3,960,000 |
| File Closed For Incompleteness | 6,661 | $1,765,375,000 | $265,000 | $2,505,000 | $108,000 | $3,670,000 |
| Loan Purchased By The Institution | 1,332 | $424,000,000 | $318,000 | $765,000 | $134,000 | $1,309,000 |
| Application Approved But Not Accepted | 367 | $105,075,000 | $286,000 | $965,000 | $116,000 | $602,000 |
| Preapproval Denied by Financial Institution | 197 | $53,075,000 | $269,000 | $1,205,000 | $79,000 | $396,000 |
| Preapproval Approved but not Accepted | 63 | $19,405,000 | $308,000 | $1,305,000 | $98,000 | $374,000 |
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 | 33,243 | $9,768,925,000 | $293,000 | $2,505,000 | $117,000 | $3,960,000 |
| Credit History | 4,067 | $988,195,000 | $242,000 | $2,195,000 | $88,000 | $3,740,000 |
| Debt-To-Income Ratio | 2,211 | $612,125,000 | $276,000 | $2,665,000 | $64,000 | $717,000 |
| Collateral | 905 | $241,295,000 | $266,000 | $1,305,000 | $103,000 | $1,167,000 |
| Other | 330 | $114,710,000 | $347,000 | $2,005,000 | $167,000 | $3,600,000 |
| Unverifiable Information | 231 | $69,025,000 | $298,000 | $2,015,000 | $108,000 | $1,044,000 |
| Credit Application Incomplete | 121 | $35,125,000 | $290,000 | $765,000 | $112,000 | $444,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 97 | $25,485,000 | $262,000 | $1,015,000 | $83,000 | $209,000 |
| Employment History | 68 | $18,560,000 | $272,000 | $1,505,000 | $78,000 | $500,000 |
| Mortgage Insurance Denied | 1 | $275,000 | $275,000 | $275,000 | $66,000 | $66,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Embrace Home Loans, Inc.'s 2020 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.