Embrace Home Loans in Tennessee vs the state
5.6%Denial rate-11.52 pts vs state
6.6%Decision denial rate-15.10 pts vs state
76.4%Origination rate+18.32 pts vs state
6.50%Median rate-0.12 pts vs state
0.51Rate spread (pts)+0.28 pts vs state
$77kMedian applicant income
68Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 67 | 10.0% | 6.49% | #291 |
| 2024 | 66 | 47 | 12.1% | 6.49% | #352 |
| 2025 | 89 | 68 | 5.6% | 6.50% | #338 |
What Embrace Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fentress County | 28 | 22 | 0 | 0.0% |
| Cumberland County | 25 | 20 | 1 | 4.0% |
| Putnam County | 7 | 4 | 1 | 14.3% |
| Overton County | 5 | 3 | 0 | 0.0% |
| White County | 2 | 1 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Bledsoe County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 1 | 0 | 0.0% |
| Sumner County | 2 | 2 | 0 | 0.0% |
| Davidson County | 2 | 1 | 1 | 50.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 89 applications in 2025, of which 68 were originated and 5 denied.
5.6% of all applications, or 6.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Embrace Home Loans originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology