Embrace Home Loans in Connecticut vs the state
6.0%Denial rate-11.40 pts vs state
6.8%Decision denial rate-14.77 pts vs state
76.0%Origination rate+15.62 pts vs state
6.75%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.02 pts vs state
$142kMedian applicant income
38Loans originated
3Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 41 | 6.1% | 6.63% | #177 |
| 2024 | 50 | 34 | 4.0% | 6.99% | #222 |
| 2025 | 50 | 38 | 6.0% | 6.75% | #218 |
What Embrace Home Loans lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09110 | 20 | 16 | 2 | 10.0% |
| 09150 | 7 | 5 | 0 | 0.0% |
| 09190 | 7 | 5 | 0 | 0.0% |
| 09170 | 6 | 4 | 0 | 0.0% |
| 09140 | 4 | 2 | 1 | 25.0% |
| 09180 | 3 | 3 | 0 | 0.0% |
| 09130 | 2 | 2 | 0 | 0.0% |
| 09120 | 1 | 1 | 0 | 0.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 50 applications in 2025, of which 38 were originated and 3 denied.
6.0% of all applications, or 6.8% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans Embrace Home Loans originated in Connecticut 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 Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology