Purchase Originations
3,511
Ranked #142 nationally
Median Total Costs
$7,318
+9.6% vs national ($6,680)
↓ $339 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,895
Median Lender Credits
$175
Cost Rank (500+ vol.)
#394
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,231 | 6.625% | $6,289 | $1,790 |
| fha | 907 | 6.250% | $11,773 | $2,281 |
| va | 351 | 6.125% | $8,968 | $2,290 |
| usda | 22 | 6.558% | $8,253 | $2,250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 675 | 6.500% | $8,377 | #20 |
| Florida | 541 | 6.375% | $8,726 | #86 |
| New Jersey | 473 | 6.625% | $7,085 | #33 |
| Virginia | 469 | 6.375% | $7,388 | #42 |
| New York | 224 | 6.500% | $7,056 | #80 |
| Alabama | 208 | 6.500% | $7,289 | #53 |
| Massachusetts | 188 | 6.562% | $5,656 | #55 |
| Delaware | 158 | 6.500% | $8,622 | #19 |
| Pennsylvania | 106 | 6.625% | $8,051 | #155 |
| New Hampshire | 101 | 6.625% | $4,655 | #26 |
| Rhode Island | 68 | 6.688% | $6,708 | #36 |
| Maine | 58 | 6.490% | $4,444 | #40 |
| Tennessee | 52 | 6.495% | $7,858 | #184 |
| District of Columbia | 42 | 6.250% | $7,125 | — |
| West Virginia | 39 | 6.490% | $7,868 | — |
| Connecticut | 27 | 6.750% | $5,611 | — |
| North Carolina | 16 | 6.625% | $4,259 | — |
| Indiana | 9 | 6.750% | $3,422 | — |
| South Carolina | 9 | 6.875% | $7,898 | — |
| Texas | 9 | 6.875% | $6,995 | — |
| Georgia | 6 | 5.990% | $8,777 | — |
| Mississippi | 5 | 6.750% | $11,192 | — |
| Illinois | 4 | 6.688% | $6,516 | — |
| California | 3 | 6.750% | $8,777 | — |
| Minnesota | 3 | 6.375% | $4,542 | — |
| Arizona | 2 | 7.125% | $5,666 | — |
| Michigan | 2 | 6.490% | $5,357 | — |
| New Mexico | 2 | 6.683% | $8,246 | — |
| Ohio | 2 | 6.688% | $6,096 | — |
| Oregon | 2 | 6.250% | $6,936 | — |
| Arkansas | 1 | 6.625% | $5,446 | — |
| Colorado | 1 | 6.125% | $16,296 | — |
| Idaho | 1 | 6.625% | $9,835 | — |
| Kentucky | 1 | 6.500% | $3,904 | — |
| Nebraska | 1 | 6.375% | $9,504 | — |
| Oklahoma | 1 | 7.125% | $5,532 | — |
| Vermont | 1 | 5.500% | $10,102 | — |
| Wisconsin | 1 | 7.875% | $3,414 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,329 | 6.625% | — | 64 | −$1,989 | |
| 2 | $5,955 | 6.625% | — | 48 | −$1,363 | |
| 3 | $6,015 | 6.625% | — | 51 | −$1,303 | |
| 4 | $6,341 | 6.375% | — | 48 | −$977 | |
| 5 | $6,389 | 6.375% | — | 119 | −$929 | |
| 6 | $6,672 | 6.625% | — | 136 | −$646 | |
| 7 | $6,876 | 6.625% | — | 124 | −$442 | |
| 8 | $6,929 | 6.625% | — | 70 | −$389 | |
| 9 | $7,008 | 6.500% | — | 101 | −$310 | |
| 10 | $7,124 | 6.490% | — | 63 | −$194 | |
| 11 | $7,280 | 6.500% | — | 189 | −$38 | |
| 12 | $7,420 | 6.625% | — | 51 | +$102 | |
| 13 | $7,729 | 6.500% | — | 62 | +$411 | |
| 14 | $8,154 | 6.625% | — | 190 | +$836 | |
| 15 | $8,504 | 6.125% | — | 58 | +$1,186 | |
| 16 | $8,554 | 6.625% | — | 104 | +$1,236 | |
| 17 | $9,975 | 6.562% | — | 50 | +$2,657 | |
| 18 | $10,382 | 6.625% | — | 49 | +$3,064 | |
| 19 | $11,769 | 6.250% | — | 112 | +$4,451 | |
| 20 | $12,464 | 5.875% | — | 71 | +$5,146 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Embrace Home Loans, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $7,318 | $7,127 | +$191 (+2.7%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.