Embrace Home Loans in Illinois vs the state
9.1%Denial rate-8.03 pts vs state
12.5%Decision denial rate-9.18 pts vs state
63.6%Origination rate+4.90 pts vs state
6.75%Median rate0.00 pts vs state
-0.02Rate spread (pts)-0.40 pts vs state
$129kMedian applicant income
7Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 18 | 18.2% | 6.99% | #520 |
| 2024 | 20 | 13 | 5.0% | 7.13% | #587 |
| 2025 | 11 | 7 | 9.1% | 6.75% | #672 |
What Embrace Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 5 | 2 | 1 | 20.0% |
| DuPage County | 2 | 2 | 0 | 0.0% |
| Kane County | 2 | 2 | 0 | 0.0% |
| Sangamon County | 1 | 0 | 0 | 0.0% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 11 applications in 2025, of which 7 were originated and 1 denied.
9.1% of all applications, or 12.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Embrace Home Loans originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology