Embrace Home Loans in North Carolina vs the state
7.3%Denial rate-10.74 pts vs state
8.3%Decision denial rate-14.49 pts vs state
75.6%Origination rate+17.80 pts vs state
6.49%Median rate-0.01 pts vs state
0.25Rate spread (pts)+0.17 pts vs state
$114kMedian applicant income
31Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 60 | 13.5% | 6.50% | #248 |
| 2024 | 60 | 40 | 10.0% | 6.63% | #362 |
| 2025 | 41 | 31 | 7.3% | 6.49% | #426 |
What Embrace Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 7 | 6 | 0 | 0.0% |
| Wake County | 5 | 4 | 0 | 0.0% |
| New Hanover County | 4 | 3 | 0 | 0.0% |
| Gaston County | 3 | 3 | 0 | 0.0% |
| Henderson County | 2 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 2 | 0 | 0.0% |
| Harnett County | 2 | 1 | 1 | 50.0% |
| Mecklenburg County | 2 | 1 | 0 | 0.0% |
| Avery County | 1 | 1 | 0 | 0.0% |
| Craven County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 41 applications in 2025, of which 31 were originated and 3 denied.
7.3% of all applications, or 8.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Embrace Home Loans originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology