Embrace Home Loans in New Hampshire vs the state
1.7%Denial rate-14.77 pts vs state
2.0%Decision denial rate-18.23 pts vs state
76.4%Origination rate+14.73 pts vs state
6.63%Median rate-0.20 pts vs state
0.21Rate spread (pts)-0.03 pts vs state
$145kMedian applicant income
133Loans originated
3Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 59 | 10.3% | 6.75% | #83 |
| 2024 | 64 | 40 | 17.2% | 6.99% | #103 |
| 2025 | 174 | 133 | 1.7% | 6.63% | #61 |
What Embrace Home Loans lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 61 | 45 | 0 | 0.0% |
| Rockingham County | 49 | 41 | 1 | 2.0% |
| Merrimack County | 30 | 22 | 0 | 0.0% |
| Strafford County | 10 | 9 | 0 | 0.0% |
| Carroll County | 7 | 6 | 1 | 14.3% |
| Belknap County | 6 | 3 | 1 | 16.7% |
| Grafton County | 5 | 5 | 0 | 0.0% |
| Coos County | 3 | 2 | 0 | 0.0% |
| Cheshire County | 3 | 0 | 0 | 0.0% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 4,969 | 24.3% | 7.40% |
| CMG Mortgage | A | 3,499 | 2.5% | 6.63% |
| Rocket Mortgage | C | 3,090 | 17.0% | 6.75% |
| United Shore Financial Services | B | 2,488 | 8.8% | 6.50% |
| Service Federal Credit Union | C | 2,300 | 25.5% | 6.49% |
| TD Bank | D | 1,811 | 22.5% | 7.54% |
| St. Mary's Bank Credit Union | B | 1,514 | 21.2% | 7.25% |
| Lighthouse Federal Credit Union | D | 1,311 | 34.3% | 7.49% |
| Digital | D | 1,129 | 20.3% | 7.74% |
| Bank of America | F | 1,068 | 28.9% | 5.99% |
Frequently asked questions
New Hampshire: 174 applications in 2025, of which 133 were originated and 3 denied.
1.7% of all applications, or 2.0% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Embrace Home Loans originated in New Hampshire in 2025 was 6.63%, against a statewide median of 6.82%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in New Hampshire, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology