Embrace Home Loans
We analyzed every closed loan from Embrace Home Loans — 4.4k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 48 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Embrace Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,867 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
FHA
961 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
VA
380 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
Jumbo
122 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
USDA
37 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
4,043 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
Refinance
324 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 49 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,867 | 65.7% | +0.286%Above | $3,024Fees | ||||
FHA Loans | 961 | 22.0% | +0.512%Above | $3,658Fees | ||||
VA Loans | 380 | 8.7% | -0.345%Below | $2,951Fees | ||||
Jumbo Loans | 122 | 2.8% | +0.172%Above | $1,614Fees | ||||
USDA Loans | 37 | 0.8% | +0.273%Above | $3,275Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,867
Mix65.7%
Spread
+0.286%Above
Fees
$3,024Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume961
Mix22.0%
Spread
+0.512%Above
Fees
$3,658Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume380
Mix8.7%
Spread
-0.345%Below
Fees
$2,951Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume122
Mix2.8%
Spread
+0.172%Above
Fees
$1,614Fees
USDA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume37
Mix0.8%
Spread
+0.273%Above
Fees
$3,275Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,043 | 92.6% | +0.281%Above | $3,139Fees | ||||
Refinance | 324 | 7.4% | +0.233%Above | $2,801Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,043
Mix92.6%
Spread
+0.281%Above
Fees
$3,139Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume324
Mix7.4%
Spread
+0.233%Above
Fees
$2,801Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,367
Applications
6,077
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.277%
vs. market APOR
Avg Net Fees
$3,112
Origination − Credits
Pullthrough Rate
71.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$464,611
Avg Borrower Income
$182,438
Avg Property Value
$592,680
Geographic Coverage
Geographic Performance
Metro Areas
48
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West9
AZCACOIDMTNMORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 48 metro areas
Top States by Place Specialization Score
Showing 10 of 25 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Embrace Home Loans?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.