Name of the lender

Embrace Home Loans, Inc. in New HampshireMortgage rates, total loan costs and denial rate for homes in New Hampshire, 2025

HMDA year2025

StateNew Hampshire

Head office: Middletown, RI
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

Embrace Home Loans, Inc. reported 174 applications for homes in New Hampshire in the HMDA data of 2025.

It originated 133 loans in the state in 2025, for $58.6 million in total.

The median interest rate of these loans in 2025 was 6.625%, and the median of all lenders in New Hampshire was 6.500%.

The median total loan costs in 2025 were $4,615, and the state median was $4,781.

It denied 2.0% of the applications that it decided in the state in 2025, and the state denial rate was 20.3%.

Filed figures of Embrace Home Loans, Inc. in New Hampshire, 2025
Figure	In NH	Lender, all states	NH, all lenders
Applications	174	5,973	57,701
Loans originated	133	4,493	35,609
Median interest rate	6.625%	6.490%	6.500%
Median total loan costs	$4,615	$7,121	$4,781
Denial rate	2.0%	6.0%	20.3%

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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in NH

Pricing medians of Embrace Home Loans, Inc. in New Hampshire, 2025Each value has the median of all lenders in New Hampshire 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 NH	129	6.625%NH 6.500%	$4,615NH $4,781	$1,790NH $1,722	$847NH $2,795	$231NH $610	0.205NH 0.179

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 0.205 percentage points above the average prime offer rate. On a loan of $300,000, that is about $615 more a year, or $51 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.

Action taken and loan types

Records in New Hampshire by the action taken
Action taken	Records	Share
1Loan originated	133	73.5%
2Application approved but not accepted	11	6.1%
3Application denied	3	1.7%
4Application withdrawn by applicant	23	12.7%
5File closed for incompleteness	4	2.2%
6Purchased loan	7	3.9%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in New Hampshire by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	128	97	2.8%
FHA-insured	34	27	0.0%
VA-guaranteed	12	9	n/a

Counties in New Hampshire

Counties of Embrace Home Loans, Inc. in New Hampshire with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Hillsborough County	61	45	$20.6 million	0.0%
Merrimack County	30	22	$8.7 million	n/a
Rockingham County	49	41	$19.3 million	2.3%

Figures by year

Embrace Home Loans, Inc. in New Hampshire by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	174	133	$58.6 million	6.625%	$4,615	2.0%
2024	64	40	$15.6 million	n/a	n/a	20.4%
2023	87	59	$20.1 million	n/a	n/a	12.9%
2022	298	145	$44.3 million	n/a	n/a	26.5%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Embrace Home Loans, Inc. in New Hampshire, 2025", https://lenderregister.com/lender/213800quai2vh5ym6310-embrace-home-loans-inc/nh/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

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 New Hampshire. 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 New Hampshire in 2025?: 133 of its loans originated, out of 4,493 in all states. That is 3.0%.
In which counties of New Hampshire did Embrace Home Loans, Inc. originate the most loans in 2025?: The three with the most loans were Hillsborough County (45), Rockingham County (41) and Merrimack County (22).
Which loan types did Embrace Home Loans, Inc. originate in New Hampshire in 2025?: 97 conventional, 27 FHA and 9 VA.
How did the applications of Embrace Home Loans, Inc. in New Hampshire change from 2022 to 2025?: It reported 298 applications in 2022 and 174 in 2025.