Embrace Home Loans in New York vs the state
4.8%Denial rate-14.98 pts vs state
5.5%Decision denial rate-18.50 pts vs state
71.4%Origination rate+11.76 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.15 pts vs state
$183kMedian applicant income
269Loans originated
18Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,230 | 908 | 7.6% | 6.49% | #64 |
| 2024 | 769 | 578 | 6.6% | 6.63% | #96 |
| 2025 | 377 | 269 | 4.8% | 6.50% | #157 |
What Embrace Home Loans lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 151 | 117 | 2 | 1.3% |
| Nassau County | 95 | 72 | 1 | 1.1% |
| Queens County | 30 | 13 | 5 | 16.7% |
| Westchester County | 29 | 18 | 1 | 3.4% |
| Richmond County | 13 | 10 | 2 | 15.4% |
| New York County | 9 | 6 | 1 | 11.1% |
| Kings County | 7 | 5 | 0 | 0.0% |
| Dutchess County | 7 | 7 | 0 | 0.0% |
| Orange County | 6 | 5 | 0 | 0.0% |
| Albany County | 4 | 1 | 2 | 50.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 377 applications in 2025, of which 269 were originated and 18 denied.
4.8% of all applications, or 5.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Embrace Home Loans originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology