Lender in New York · HMDA 2025
Embrace Home Loans, Inc. mortgages in New York
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 242 owner-occupied single-family loans in New York from 288 completed applications.
Its median conventional purchase loan costs were $6,880 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
242
of 288 applications
Denial rate
2.8%
Purchase · NY 9.5%
Rate spread
+0.03 pts
Conv. · NY +0.07 pts
Loan amount
$575,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 224 | 2.8% | 6.625% | +0.03 pts | $6,880 | $575,000 |
| Refinance | 12 | 8 | — | — | — | — | — |
| Cash-out refinance | 21 | 10 | 28.6% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology