Embrace Home Loans in Maryland vs the state
6.3%Denial rate-12.48 pts vs state
7.4%Decision denial rate-16.71 pts vs state
73.2%Origination rate+17.45 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.05 pts vs state
$128kMedian applicant income
856Loans originated
74Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,336 | 880 | 8.5% | 6.49% | #33 |
| 2024 | 1,239 | 864 | 8.2% | 6.75% | #42 |
| 2025 | 1,170 | 856 | 6.3% | 6.63% | #47 |
What Embrace Home Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 234 | 177 | 18 | 7.7% |
| Prince George's County | 213 | 136 | 23 | 10.8% |
| Worcester County | 108 | 88 | 5 | 4.6% |
| Howard County | 89 | 55 | 3 | 3.4% |
| Anne Arundel County | 80 | 62 | 1 | 1.3% |
| Baltimore County | 71 | 46 | 6 | 8.5% |
| Wicomico County | 69 | 54 | 5 | 7.2% |
| Frederick County | 68 | 57 | 1 | 1.5% |
| Charles County | 46 | 34 | 2 | 4.3% |
| Baltimore city | 39 | 27 | 3 | 7.7% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 1,170 applications in 2025, of which 856 were originated and 74 denied.
6.3% of all applications, or 7.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Embrace Home Loans originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology