Lender in Florida · HMDA 2025
Embrace Home Loans, Inc. mortgages in Florida
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 556 owner-occupied single-family loans in Florida from 631 completed applications.
Its median conventional purchase loan costs were $6,820 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
556
of 631 applications
Denial rate
5.6%
Purchase · FL 12.8%
Rate spread
+0.14 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 590 | 528 | 5.6% | 6.625% | +0.14 pts | $6,820 | $315,000 |
| Refinance | 17 | 13 | — | — | — | — | — |
| Cash-out refinance | 24 | 15 | 20.8% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Embrace Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 12 | 1 | 1.2% |
| Brevard County | 13 | 193 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology