Embrace Home Loans, Inc. reported 106 applications for homes in Maine in the HMDA data of 2025.
It originated 77 loans in the state in 2025, for $27.3 million in total.
The median interest rate of these loans in 2025 was 6.490%, and the median of all lenders in Maine was 6.500%.
The median total loan costs in 2025 were $4,638, and the state median was $4,806.
It denied 11.1% of the applications that it decided in the state in 2025, and the state denial rate was 20.1%.
Filed figures of Embrace Home Loans, Inc. in Maine, 2025
Figure
In ME
Lender, all states
ME, all lenders
Applications
106
5,973
57,098
Loans originated
77
4,493
35,498
Median interest rate
6.490%
6.490%
6.500%
Median total loan costs
$4,638
$7,121
$4,806
Denial rate
11.1%
6.0%
20.1%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Embrace Home Loans, Inc. in Maine, 2025Each value has the median of all lenders in Maine under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in ME
72
6.490%ME 6.500%
$4,638ME $4,806
$1,790ME $1,695
$1,388ME $2,344
$111ME $459
0.121ME 0.252
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.121 percentage points above the average prime offer rate. On a loan of $300,000, that is about $363 more a year, or $30 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Maine. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Embrace Home Loans, Inc. were in Maine in 2025?
77 of its loans originated, out of 4,493 in all states. That is 1.7%.
In which counties of Maine did Embrace Home Loans, Inc. originate the most loans in 2025?
Only one county has 50 applications or more of the lender: Cumberland County, with 27 loans originated.
Which loan types did Embrace Home Loans, Inc. originate in Maine in 2025?
56 conventional, 15 FHA, 5 VA and 1 USDA.
How did the applications of Embrace Home Loans, Inc. in Maine change from 2022 to 2025?
It reported 269 applications in 2022 and 106 in 2025.