Embrace Home Loans in Virginia vs the state
3.3%Denial rate-12.65 pts vs state
3.9%Decision denial rate-16.37 pts vs state
76.5%Origination rate+16.96 pts vs state
6.31%Median rate-0.31 pts vs state
0.00Rate spread (pts)-0.22 pts vs state
$152kMedian applicant income
582Loans originated
25Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,234 | 888 | 5.8% | 6.49% | #52 |
| 2024 | 999 | 721 | 6.2% | 6.63% | #76 |
| 2025 | 761 | 582 | 3.3% | 6.31% | #93 |
What Embrace Home Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 209 | 161 | 4 | 1.9% |
| Prince William County | 85 | 65 | 5 | 5.9% |
| Loudoun County | 71 | 58 | 2 | 2.8% |
| Culpeper County | 37 | 30 | 1 | 2.7% |
| Stafford County | 35 | 28 | 0 | 0.0% |
| Spotsylvania County | 34 | 26 | 1 | 2.9% |
| Arlington County | 26 | 24 | 1 | 3.8% |
| Alexandria city | 25 | 17 | 2 | 8.0% |
| King George County | 19 | 14 | 0 | 0.0% |
| Louisa County | 16 | 14 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 761 applications in 2025, of which 582 were originated and 25 denied.
3.3% of all applications, or 3.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Embrace Home Loans originated in Virginia in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology