Lender in Massachusetts · HMDA 2025
Embrace Home Loans, Inc. mortgages in Massachusetts
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 241 owner-occupied single-family loans in Massachusetts from 267 completed applications.
Its median conventional purchase loan costs were $5,390 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.625% (Massachusetts: 6.575%).
Loans in MA
241
of 267 applications
Denial rate
3.4%
Purchase · MA 6.3%
Rate spread
+0.13 pts
Conv. · MA +0.02 pts
Loan amount
$515,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 204 | 188 | 3.4% | 6.625% | +0.13 pts | $5,390 | $515,000 |
| Refinance | 47 | 41 | 8.5% | 6.375% | −0.06 pts | $4,530 | $585,000 |
| Cash-out refinance | 16 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology