Embrace Home Loans in Colorado vs the state
0.0%Denial rate-15.63 pts vs state
0.0%Decision denial rate-19.66 pts vs state
50.0%Origination rate-10.02 pts vs state
6.63%Median rate0.00 pts vs state
-0.16Rate spread (pts)-0.31 pts vs state
$160kMedian applicant income
4Loans originated
0Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 12 | 12.0% | 6.43% | #372 |
| 2024 | 12 | 8 | 8.3% | 6.56% | #471 |
| 2025 | 8 | 4 | 0.0% | 6.63% | #549 |
What Embrace Home Loans lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 2 | 2 | 0 | 0.0% |
| Moffat County | 1 | 0 | 0 | 0.0% |
| Routt County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
| Eagle County | 1 | 1 | 0 | 0.0% |
| Denver County | 1 | 0 | 0 | 0.0% |
| Teller County | 1 | 0 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 8 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Embrace Home Loans originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology