Embrace Home Loans in California vs the state
3.6%Denial rate-13.85 pts vs state
5.6%Decision denial rate-16.84 pts vs state
46.4%Origination rate-9.77 pts vs state
6.75%Median rate+0.13 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$249kMedian applicant income
13Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 47 | 21.3% | 6.49% | #397 |
| 2024 | 54 | 30 | 11.1% | 6.69% | #517 |
| 2025 | 28 | 13 | 3.6% | 6.75% | #602 |
What Embrace Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 6 | 3 | 0 | 0.0% |
| San Diego County | 4 | 2 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 1 | 33.3% |
| Santa Clara County | 3 | 2 | 0 | 0.0% |
| Alameda County | 2 | 1 | 0 | 0.0% |
| San Francisco County | 2 | 1 | 0 | 0.0% |
| Contra Costa County | 2 | 0 | 0 | 0.0% |
| Kern County | 1 | 0 | 0 | 0.0% |
| El Dorado County | 1 | 0 | 0 | 0.0% |
| Riverside County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 28 applications in 2025, of which 13 were originated and 1 denied.
3.6% of all applications, or 5.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Embrace Home Loans originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology