Embrace Home Loans in Pennsylvania vs the state
4.8%Denial rate-13.45 pts vs state
5.4%Decision denial rate-16.82 pts vs state
80.1%Origination rate+19.15 pts vs state
6.63%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$93kMedian applicant income
149Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 176 | 14.1% | 6.75% | #229 |
| 2024 | 234 | 155 | 12.4% | 6.63% | #246 |
| 2025 | 186 | 149 | 4.8% | 6.63% | #286 |
What Embrace Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 26 | 18 | 2 | 7.7% |
| Lehigh County | 25 | 22 | 1 | 4.0% |
| Northampton County | 17 | 15 | 0 | 0.0% |
| Franklin County | 14 | 12 | 0 | 0.0% |
| York County | 14 | 9 | 2 | 14.3% |
| Delaware County | 11 | 8 | 0 | 0.0% |
| Chester County | 9 | 8 | 0 | 0.0% |
| Berks County | 8 | 5 | 2 | 25.0% |
| Bucks County | 8 | 6 | 1 | 12.5% |
| Montgomery County | 8 | 8 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 186 applications in 2025, of which 149 were originated and 9 denied.
4.8% of all applications, or 5.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Embrace Home Loans originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology