Embrace Home Loans in Massachusetts vs the state
4.5%Denial rate-11.73 pts vs state
5.2%Decision denial rate-14.71 pts vs state
76.7%Origination rate+14.12 pts vs state
6.50%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.01 pts vs state
$158kMedian applicant income
257Loans originated
15Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 355 | 227 | 11.0% | 6.75% | #104 |
| 2024 | 301 | 201 | 10.6% | 6.75% | #110 |
| 2025 | 335 | 257 | 4.5% | 6.50% | #110 |
What Embrace Home Loans lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 103 | 86 | 5 | 4.9% |
| Worcester County | 78 | 60 | 4 | 5.1% |
| Bristol County | 35 | 26 | 1 | 2.9% |
| Norfolk County | 34 | 26 | 0 | 0.0% |
| Essex County | 30 | 20 | 2 | 6.7% |
| Plymouth County | 29 | 18 | 2 | 6.9% |
| Suffolk County | 11 | 10 | 0 | 0.0% |
| Barnstable County | 9 | 6 | 1 | 11.1% |
| Hampden County | 3 | 3 | 0 | 0.0% |
| Berkshire County | 2 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 335 applications in 2025, of which 257 were originated and 15 denied.
4.5% of all applications, or 5.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Embrace Home Loans originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology