Embrace Home Loans in Georgia vs the state
13.9%Denial rate-5.33 pts vs state
22.7%Decision denial rate-2.34 pts vs state
38.9%Origination rate-15.20 pts vs state
6.31%Median rate-0.31 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$95kMedian applicant income
14Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 46 | 23.8% | 6.38% | #313 |
| 2024 | 47 | 24 | 27.7% | 6.56% | #438 |
| 2025 | 36 | 14 | 13.9% | 6.31% | #495 |
What Embrace Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 1 | 2 | 33.3% |
| Coweta County | 4 | 2 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 0 | 0.0% |
| Bibb County | 3 | 1 | 1 | 33.3% |
| Gwinnett County | 2 | 1 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Rockdale County | 2 | 1 | 0 | 0.0% |
| Columbia County | 2 | 0 | 1 | 50.0% |
| Cherokee County | 2 | 1 | 0 | 0.0% |
| Johnson County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 36 applications in 2025, of which 14 were originated and 5 denied.
13.9% of all applications, or 22.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Embrace Home Loans originated in Georgia in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology