Embrace Home Loans in Texas vs the state
7.7%Denial rate-11.74 pts vs state
10.7%Decision denial rate-14.19 pts vs state
53.9%Origination rate-1.03 pts vs state
6.88%Median rate+0.38 pts vs state
0.26Rate spread (pts)+0.06 pts vs state
$173kMedian applicant income
21Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 69 | 17.1% | 6.25% | #438 |
| 2024 | 74 | 41 | 12.2% | 6.99% | #611 |
| 2025 | 39 | 21 | 7.7% | 6.88% | #750 |
What Embrace Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 8 | 4 | 3 | 37.5% |
| Denton County | 4 | 3 | 0 | 0.0% |
| Bexar County | 4 | 2 | 0 | 0.0% |
| Tarrant County | 4 | 1 | 0 | 0.0% |
| Collin County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Kerr County | 2 | 0 | 0 | 0.0% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| Travis County | 1 | 1 | 0 | 0.0% |
| Hays County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 39 applications in 2025, of which 21 were originated and 3 denied.
7.7% of all applications, or 10.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Embrace Home Loans originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology