Embrace Home Loans in Florida vs the state
5.5%Denial rate-15.56 pts vs state
6.3%Decision denial rate-20.92 pts vs state
76.7%Origination rate+23.96 pts vs state
6.49%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.11 pts vs state
$114kMedian applicant income
627Loans originated
45Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 953 | 610 | 9.6% | 6.49% | #156 |
| 2024 | 870 | 599 | 8.1% | 6.63% | #170 |
| 2025 | 818 | 627 | 5.5% | 6.49% | #176 |
What Embrace Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brevard County | 318 | 223 | 17 | 5.3% |
| Lee County | 92 | 78 | 7 | 7.6% |
| Hillsborough County | 65 | 52 | 5 | 7.7% |
| Marion County | 47 | 43 | 1 | 2.1% |
| Hernando County | 31 | 28 | 0 | 0.0% |
| Charlotte County | 30 | 24 | 1 | 3.3% |
| Pasco County | 28 | 26 | 0 | 0.0% |
| Orange County | 23 | 16 | 3 | 13.0% |
| Miami-Dade County | 21 | 16 | 1 | 4.8% |
| Pinellas County | 21 | 18 | 1 | 4.8% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 818 applications in 2025, of which 627 were originated and 45 denied.
5.5% of all applications, or 6.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Embrace Home Loans originated in Florida in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology