Lender in Virginia · HMDA 2025
Embrace Home Loans, Inc. mortgages in Virginia
Embrace Home Loans, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Embrace Home Loans, Inc. originated 548 owner-occupied single-family loans in Virginia from 605 completed applications.
Its median conventional purchase loan costs were $5,960 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
548
of 605 applications
Denial rate
2.9%
Purchase · VA 6.9%
Rate spread
+0.08 pts
Conv. · VA +0.10 pts
Loan amount
$475,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 513 | 468 | 2.9% | 6.625% | +0.08 pts | $5,960 | $475,000 |
| Refinance | 65 | 59 | 4.6% | 6.125% | −0.06 pts | $3,940 | $585,000 |
| Cash-out refinance | 27 | 21 | 18.5% | — | — | — | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Embrace Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 3 | 8 | 4.2% |
| King George County | 9 | 14 | 2.6% |
| Culpeper County | 10 | 27 | 2.7% |
| Charlotte County | 13 | 1 | 1.4% |
| Greensville County | 14 | 1 | 1.5% |
| Manassas Park city | 17 | 3 | 1.2% |
| Louisa County | 19 | 14 | 1.6% |
| Fairfax city | 20 | 5 | 1.3% |
| Fairfax County | 21 | 152 | 1.1% |
| Stafford County | 21 | 27 | 0.9% |
| Charlottesville city | 22 | 2 | 0.7% |
| Prince William County | 23 | 64 | 0.9% |
| Orange County | 23 | 8 | 0.9% |
| Spotsylvania County | 24 | 26 | 0.9% |
| Falls Church city | 24 | 2 | 1.1% |
| Arlington County | 25 | 24 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology