Embrace Home Loans in Maine vs the state
9.4%Denial rate-6.90 pts vs state
11.1%Decision denial rate-8.97 pts vs state
72.6%Origination rate+10.47 pts vs state
6.50%Median rate-0.38 pts vs state
0.25Rate spread (pts)-0.08 pts vs state
$107kMedian applicant income
77Loans originated
10Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 73 | 8.1% | 6.49% | #88 |
| 2024 | 92 | 69 | 4.4% | 6.75% | #86 |
| 2025 | 106 | 77 | 9.4% | 6.50% | #89 |
What Embrace Home Loans lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 36 | 27 | 2 | 5.6% |
| Penobscot County | 23 | 18 | 3 | 13.0% |
| York County | 21 | 16 | 1 | 4.8% |
| Kennebec County | 10 | 6 | 2 | 20.0% |
| Washington County | 5 | 3 | 1 | 20.0% |
| Sagadahoc County | 3 | 3 | 0 | 0.0% |
| Piscataquis County | 2 | 1 | 0 | 0.0% |
| Hancock County | 2 | 0 | 1 | 50.0% |
| Aroostook County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 106 applications in 2025, of which 77 were originated and 10 denied.
9.4% of all applications, or 11.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Embrace Home Loans originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology