Embrace Home Loans in Oregon vs the state
0.0%Denial rate-15.31 pts vs state
0.0%Decision denial rate-19.16 pts vs state
50.0%Origination rate-10.62 pts vs state
6.50%Median rate-0.25 pts vs state
0.24Rate spread (pts)-0.04 pts vs state
$275kMedian applicant income
3Loans originated
0Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 13 | 25.0% | 6.25% | #261 |
| 2024 | 10 | 5 | 0.0% | 6.63% | #353 |
| 2025 | 6 | 3 | 0.0% | 6.50% | #412 |
What Embrace Home Loans lends in Oregon
By loan purpose
By loan type
Where in Oregon
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 2 | 0 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 0 | 0.0% |
| Tillamook County | 1 | 1 | 0 | 0.0% |
| Josephine County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 6 applications in 2025, of which 3 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Embrace Home Loans originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology