Embrace Home Loans in Alabama vs the state
6.7%Denial rate-13.16 pts vs state
7.3%Decision denial rate-17.71 pts vs state
81.5%Origination rate+26.14 pts vs state
6.63%Median rate+0.13 pts vs state
0.74Rate spread (pts)+0.45 pts vs state
$66kMedian applicant income
256Loans originated
21Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 244 | 7.4% | 6.63% | #96 |
| 2024 | 343 | 275 | 5.5% | 6.63% | #103 |
| 2025 | 314 | 256 | 6.7% | 6.63% | #119 |
What Embrace Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 279 | 230 | 19 | 6.8% |
| Baldwin County | 23 | 18 | 1 | 4.3% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Escambia County | 2 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Talladega County | 1 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 1 | 0 | 0.0% |
| Clarke County | 1 | 0 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 314 applications in 2025, of which 256 were originated and 21 denied.
6.7% of all applications, or 7.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Embrace Home Loans originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology