Lender in Alabama · HMDA 2025
Embrace Home Loans, Inc. mortgages in Alabama
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 200 owner-occupied single-family loans in Alabama from 227 completed applications.
Its median conventional purchase loan costs were $5,880 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.75% (Alabama: 6.562%).
Loans in AL
200
of 227 applications
Denial rate
6.6%
Purchase · AL 9.1%
Rate spread
+0.43 pts
Conv. · AL +0.17 pts
Loan amount
$205,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 213 | 189 | 6.6% | 6.750% | +0.43 pts | $5,880 | $205,000 |
| Refinance | 7 | 6 | — | — | — | — | — |
| Cash-out refinance | 7 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Embrace Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mobile County | 5 | 178 | 3.8% |
| Monroe County | 22 | 1 | 0.8% |
| Washington County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology