Embrace Home Loans Mortgage Rates, Fees & Info
MIDDLETOWN, RILEI: 213800QUAI2VH5YM6310
Tax ID: 05-0402708
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Mortgage Data
Review & Overview
Embrace Home Loans is a mid-sized mortgage company specializing in Refi and Home Purchase loans. Embrace Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, New York, Baltimore, Boston, and Providence among others. We have data for 511 markets. (Some data included below & more in-depth data is available with an active subscription.)Embrace Home Loans has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Embrace Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.47% | 12/17/24 |
| 30 Year Conventional Refi | 6.41% | 12/17/24 |
| 30 Year Cash-out Refi | 6.68% | 12/17/24 |
| 30 Year FHA Purchase | 7.40% | 12/17/24 |
| 30 Year FHA Refi | 7.21% | 12/17/24 |
| 30 Year VA Purchase | 6.05% | 12/17/24 |
| 30 Year VA Refi | 5.80% | 12/17/24 |
| 30 Year USDA Purchase | 6.86% | 12/17/24 |
| 30 Year USDA Refi | 7.23% | 12/17/24 |
| 15 Year Conventional Purchase | 5.98% | 12/17/24 |
| 15 Year Conventional Refi | 5.96% | 12/17/24 |
| 15 Year Cash-out Refi | 5.96% | 12/17/24 |
| 15 Year FHA Purchase | 7.23% | 12/17/24 |
| 15 Year FHA Refi | 7.40% | 12/17/24 |
| 15 Year VA Refi | 5.81% | 12/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Embrace Home Loans Mortgage Calculator
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This is not an official calculator from Embrace Home Loans. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
18,099Origination Dollar Volume (All Markets)
$5,565,915,000Awards
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EMBRACE HOME LOANS - 2020
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3,899 | $1,610,725,000 | $413,112 | $5,838 | 3.10% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,564 | $630,080,000 | $402,864 | $6,421 | 3.11% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 934 | $330,720,000 | $354,090 | $5,588 | 3.09% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 707 | $251,975,000 | $356,400 | $5,206 | 3.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 687 | $202,765,000 | $295,146 | $4,954 | 3.10% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 702 | $180,660,000 | $257,350 | $5,580 | 3.22% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 478 | $128,550,000 | $268,933 | $5,430 | 3.23% |
| LYNCHBURG, VA (FHA|USDA|VA) | 632 | $128,470,000 | $203,275 | $4,730 | 3.22% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 404 | $109,780,000 | $271,733 | $5,404 | 3.14% |
| Outside of Metro Areas | 455 | $100,085,000 | $219,967 | $5,005 | 3.32% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 334 | $81,750,000 | $244,760 | $5,561 | 3.30% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 241 | $70,225,000 | $291,390 | $4,149 | 3.20% |
| ROANOKE, VA (FHA|USDA|VA) | 344 | $66,340,000 | $192,849 | $4,379 | 3.24% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 290 | $62,200,000 | $214,483 | $5,269 | 3.16% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 195 | $55,965,000 | $287,000 | $3,922 | 3.27% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 240 | $54,930,000 | $228,875 | $5,155 | 3.19% |
| MOBILE, AL (FHA|USDA|VA) | 327 | $52,825,000 | $161,544 | $5,164 | 3.52% |
| RICHMOND, VA (FHA|USDA|VA) | 203 | $52,335,000 | $257,808 | $5,322 | 3.27% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 232 | $51,090,000 | $220,216 | $6,195 | 3.20% |
| DOVER, DE (FHA|USDA|VA) | 194 | $48,590,000 | $250,464 | $6,188 | 3.22% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 166 | $44,190,000 | $266,205 | $5,327 | 3.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 189 | $44,135,000 | $233,519 | $5,927 | 3.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 94 | $42,320,000 | $450,213 | $6,069 | 3.15% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 220 | $41,790,000 | $189,955 | $4,701 | 3.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 132 | $35,660,000 | $270,152 | $5,042 | 3.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 174 | $34,120,000 | $196,092 | $6,020 | 3.33% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 105 | $31,385,000 | $298,905 | $5,835 | 3.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 115 | $29,095,000 | $253,000 | $5,140 | 3.24% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 61 | $23,945,000 | $392,541 | $2,816 | 2.97% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 79 | $23,775,000 | $300,949 | $5,060 | 3.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 79 | $23,435,000 | $296,646 | $5,489 | 3.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 57 | $23,085,000 | $405,000 | $4,090 | 3.10% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 87 | $21,845,000 | $251,092 | $4,951 | 3.22% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 74 | $21,300,000 | $287,838 | $5,738 | 3.27% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 73 | $19,945,000 | $273,219 | $5,146 | 3.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 86 | $19,020,000 | $221,163 | $5,385 | 3.30% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 58 | $18,880,000 | $325,517 | $4,475 | 3.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 41 | $18,855,000 | $459,878 | $6,448 | 3.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 61 | $16,005,000 | $262,377 | $5,628 | 3.21% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 44 | $15,650,000 | $355,682 | $6,444 | 3.11% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 67 | $15,325,000 | $228,731 | $5,402 | 3.34% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 56 | $14,290,000 | $255,179 | $4,421 | 3.47% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 47 | $14,025,000 | $298,404 | $5,590 | 3.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 60 | $13,580,000 | $226,333 | $5,527 | 3.29% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 34 | $13,300,000 | $391,176 | $5,945 | 3.12% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 54 | $13,180,000 | $244,074 | $5,418 | 3.14% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 40 | $13,110,000 | $327,750 | $6,098 | 3.14% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 30 | $13,070,000 | $435,667 | $6,201 | 2.99% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 40 | $12,420,000 | $310,500 | $4,701 | 3.14% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 51 | $11,485,000 | $225,196 | $5,066 | 3.17% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 32 | $11,420,000 | $356,875 | $5,616 | 3.01% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 45 | $10,765,000 | $239,222 | $4,702 | 3.71% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 35 | $10,575,000 | $302,143 | $6,116 | 3.10% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 42 | $10,290,000 | $245,000 | $4,133 | 3.17% |
| Concord, NH (FHA|USDA|VA) | 38 | $9,880,000 | $260,000 | $4,200 | 3.27% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 39 | $9,845,000 | $252,436 | $4,636 | 2.99% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 25 | $9,415,000 | $376,600 | $5,571 | 2.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 38 | $8,810,000 | $231,842 | $4,917 | 3.10% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 31 | $8,665,000 | $279,516 | $5,632 | 3.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 38 | $8,500,000 | $223,684 | $5,031 | 3.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 29 | $7,875,000 | $271,552 | $4,967 | 3.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 31 | $7,815,000 | $252,097 | $4,404 | 3.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 35 | $7,695,000 | $219,857 | $4,246 | 3.53% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 34 | $7,530,000 | $221,471 | $4,726 | 3.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 31 | $7,495,000 | $241,774 | $5,929 | 3.38% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 26 | $7,470,000 | $287,308 | $6,405 | 3.36% |
| Keene, NH (FHA|USDA|VA) | 31 | $6,745,000 | $217,581 | $3,885 | 3.26% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 20 | $6,400,000 | $320,000 | $4,636 | 3.54% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 25 | $6,345,000 | $253,800 | $4,421 | 3.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 24 | $6,340,000 | $264,167 | $6,531 | 3.39% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 30 | $6,030,000 | $201,000 | $3,797 | 3.32% |
| BOISE CITY, ID (FHA|USDA|VA) | 22 | $5,930,000 | $269,545 | $6,983 | 3.18% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 28 | $5,740,000 | $205,000 | $5,991 | 3.21% |
| PITTSBURGH, PA (FHA|USDA|VA) | 22 | $5,460,000 | $248,182 | $5,461 | 3.15% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 20 | $5,420,000 | $271,000 | $5,144 | 3.08% |
| Lebanon, NH-VT (FHA|USDA|VA) | 26 | $5,390,000 | $207,308 | $4,085 | 3.43% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 24 | $5,240,000 | $218,333 | $4,097 | 3.03% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 27 | $5,235,000 | $193,889 | $4,521 | 3.08% |
| ASHEVILLE, NC (FHA|USDA|VA) | 18 | $5,220,000 | $290,000 | $5,285 | 3.16% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 26 | $5,170,000 | $198,846 | $5,303 | 3.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 18 | $5,110,000 | $283,889 | $4,567 | 3.30% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 21 | $5,045,000 | $240,238 | $4,889 | 3.02% |
| WILMINGTON, NC (FHA|USDA|VA) | 16 | $5,010,000 | $313,125 | $5,521 | 3.25% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $4,980,000 | $498,000 | $5,110 | 2.82% |
| VALLEJO, CA (FHA|USDA|VA) | 12 | $4,890,000 | $407,500 | $6,453 | 3.47% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 19 | $4,825,000 | $253,947 | $4,117 | 3.66% |
| BOULDER, CO (FHA|USDA|VA) | 12 | $4,820,000 | $401,667 | $4,627 | 3.00% |
| BANGOR, ME (FHA|USDA|VA) | 28 | $4,810,000 | $171,786 | $5,320 | 3.55% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 19 | $4,735,000 | $249,211 | $5,891 | 3.16% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $4,705,000 | $427,727 | $6,827 | 3.17% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 22 | $4,700,000 | $213,636 | $6,277 | 3.15% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 17 | $4,565,000 | $268,529 | $3,445 | 3.31% |
| LOUISVILLE, KY (FHA|USDA|VA) | 21 | $4,495,000 | $214,048 | $4,354 | 3.35% |
| READING, PA (FHA|USDA|VA) | 22 | $4,480,000 | $203,636 | $5,679 | 3.18% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 20 | $4,350,000 | $217,500 | $5,767 | 3.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 11 | $4,335,000 | $394,091 | $3,959 | 3.08% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 18 | $4,290,000 | $238,333 | $6,216 | 3.35% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 18 | $4,110,000 | $228,333 | $5,497 | 3.05% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 19 | $3,995,000 | $210,263 | $4,077 | 3.59% |
| COLUMBIA, SC (FHA|USDA|VA) | 14 | $3,980,000 | $284,286 | $6,914 | 3.18% |
| GETTYSBURG, PA (FHA|USDA|VA) | 16 | $3,790,000 | $236,875 | $5,360 | 3.17% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 16 | $3,760,000 | $235,000 | $6,373 | 3.14% |
| STOCKTON, CA (FHA|USDA|VA) | 12 | $3,660,000 | $305,000 | $4,896 | 3.04% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $3,650,000 | $260,714 | $4,698 | 2.86% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 12 | $3,600,000 | $300,000 | $5,935 | 3.24% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 16 | $3,520,000 | $220,000 | $6,273 | 3.64% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 15 | $3,475,000 | $231,667 | $3,631 | 3.39% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $5,079 | 3.19% |
| STAUNTON, VA (FHA|USDA|VA) | 16 | $3,390,000 | $211,875 | $4,497 | 2.91% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 14 | $3,350,000 | $239,286 | $6,161 | 3.80% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 15 | $3,345,000 | $223,000 | $5,875 | 3.72% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $3,230,000 | $323,000 | $7,471 | 3.74% |
| KNOXVILLE, TN (FHA|USDA|VA) | 16 | $3,130,000 | $195,625 | $4,379 | 3.44% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 14 | $3,080,000 | $220,000 | $5,073 | 3.23% |
| Outside of Metro Areas | 10 | $3,060,000 | $306,000 | $6,241 | 3.27% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 16 | $3,020,000 | $188,750 | $4,369 | 3.31% |
| Danville, VA (FHA|USDA|VA) | 16 | $2,990,000 | $186,875 | $4,709 | 3.44% |
| SAVANNAH, GA (FHA|USDA|VA) | 12 | $2,950,000 | $245,833 | $3,666 | 3.17% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 14 | $2,870,000 | $205,000 | $5,398 | 3.73% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $2,800,000 | $233,333 | $5,561 | 3.35% |
| Easton, MD (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $5,674 | 3.26% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 15 | $2,625,000 | $175,000 | $3,578 | 3.17% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 11 | $2,415,000 | $219,545 | $4,210 | 3.33% |
| BATON ROUGE, LA (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $5,868 | 3.08% |
| LANCASTER, PA (FHA|USDA|VA) | 8 | $2,320,000 | $290,000 | $5,820 | 3.28% |
| TULSA, OK (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $5,951 | 3.01% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $2,255,000 | $205,000 | $3,784 | 3.11% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $3,449 | 2.80% |
| Cambridge, MD (FHA|USDA|VA) | 12 | $2,120,000 | $176,667 | $5,168 | 3.44% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 9 | $2,085,000 | $231,667 | $7,161 | 2.94% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $7,322 | 3.00% |
| Laconia, NH (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $2,807 | 3.22% |
| Torrington, CT (FHA|USDA|VA) | 12 | $2,010,000 | $167,500 | $4,391 | 3.22% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $4,040 | 2.65% |
| OCALA, FL (FHA|USDA|VA) | 11 | $1,965,000 | $178,636 | $4,424 | 3.73% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $4,163 | 3.35% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $3,448 | 2.86% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $5,591 | 3.12% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $4,857 | 3.20% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 11 | $1,755,000 | $159,545 | $4,167 | 3.68% |
| JACKSON, MS (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $5,148 | 3.44% |
| MADISON, WI (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $4,586 | 3.17% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $5,887 | 3.42% |
| TOLEDO, OH (FHA|USDA|VA) | 7 | $1,695,000 | $242,143 | $6,506 | 3.02% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 10 | $1,690,000 | $169,000 | $5,672 | 3.23% |
| GRANTS PASS, OR (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $5,016 | 3.06% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $7,424 | 2.79% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $5,691 | 2.96% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $4,311 | 3.05% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $5,613 | 3.48% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $3,512 | 2.96% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $7,260 | 3.02% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $5,413 | 3.02% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $4,482 | 3.10% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $2,879 | 2.73% |
| SYRACUSE, NY (FHA|USDA|VA) | 9 | $1,465,000 | $162,778 | $3,479 | 3.81% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $2,760 | 2.96% |
| ROCHESTER, NY (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $5,526 | 3.32% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 8 | $1,410,000 | $176,250 | $4,569 | 3.43% |
| MERCED, CA (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,786 | 3.00% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $5,648 | 3.12% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $7,024 | 3.21% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $5,427 | 3.18% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $4,482 | 3.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $4,182 | 3.09% |
| Key West, FL (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $4,680 | 3.19% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $8,127 | 2.87% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $4,271 | 3.19% |
| Georgetown, SC (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $3,900 | 3.20% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $7,067 | 3.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 8 | $1,290,000 | $161,250 | $5,891 | 2.89% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $6,417 | 2.81% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,726 | 3.39% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,621 | 3.52% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $4,798 | 3.32% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $6,164 | 2.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $5,987 | 3.55% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $4,159 | 3.27% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $3,558 | 3.29% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $5,440 | 3.69% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $3,954 | 3.70% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $5,215 | 3.12% |
| HARRISONBURG, VA (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,117 | 3.22% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,184 | 4.66% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $5,584 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $4,802 | 3.02% |
| SALEM, OR (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $8,231 | 3.27% |
| Morehead City, NC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,459 | 3.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $7,390 | 3.25% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,099 | 2.94% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $4,046 | 3.42% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $4,606 | 3.32% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,133 | 3.31% |
| New Castle, PA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $5,114 | 3.62% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,903 | 3.03% |
| Coos Bay, OR (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $12,718 | 2.97% |
| Pottsville, PA (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $5,114 | 3.54% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $8,318 | 3.17% |
| Bluefield, WV-VA (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $5,086 | 3.56% |
| UTICA-ROME, NY (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $5,479 | 3.21% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $4,307 | 2.97% |
| Athens, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,602 | 3.58% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,679 | 3.33% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,290 | 2.96% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,141 | 3.37% |
| Greenville, OH (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,286 | 3.29% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $4,391 | 3.72% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $6,793 | 3.16% |
| SUMTER, SC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,069 | 3.72% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,931 | 3.38% |
| NAPA, CA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $7,006 | 2.25% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,108 | 3.54% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,319 | 3.09% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,676 | 3.53% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $1,714 | 3.83% |
| Astoria, OR (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $8,033 | 4.04% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,152 | 3.78% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,411 | 3.04% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,015 | 2.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,736 | 2.71% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,128 | 3.08% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $2,696 | 3.19% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $6,612 | 3.09% |
| ERIE, PA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,612 | 3.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,966 | 3.09% |
| North Wilkesboro, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,287 | 3.21% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $6,262 | 3.22% |
| Palatka, FL (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $5,983 | 3.53% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,827 | 2.67% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,386 | 3.33% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $7,385 | 3.42% |
| GOLDSBORO, NC (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,737 | 2.78% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,487 | 3.29% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,423 | 3.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,268 | 3.16% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,458 | 3.06% |
| Plymouth, IN (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,477 | 3.41% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,104 | 3.38% |
| Boone, NC (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,617 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,702 | 3.17% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,727 | 3.04% |
| Hailey, ID (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $7,355 | 2.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,288 | 3.21% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,809 | 3.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,349 | 3.66% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,066 | 2.81% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,965 | 4.23% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $5,246 | 3.28% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,485 | 3.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,845 | 3.25% |
| Shelby, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,851 | 3.06% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,299 | 2.62% |
| Altus, OK (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,530 | 3.13% |
| Prineville, OR (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $11,432 | 3.69% |
| BECKLEY, WV (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,784 | 2.91% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,814 | 2.88% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,152 | 2.50% |
| ROME, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,849 | 2.87% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,884 | 3.45% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,520 | 3.38% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,213 | 3.00% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,404 | 3.31% |
| LINCOLN, NE (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,362 | 2.92% |
| WHEELING, WV-OH (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,227 | 3.04% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $6,617 | 3.42% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,382 | 3.00% |
| Martinsville, VA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,339 | 3.59% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,021 | 3.33% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,343 | 2.68% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,558 | 2.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,396 | 3.19% |
| Okeechobee, FL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $5,446 | 4.28% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,504 | 2.99% |
| MONROE, MI (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,957 | 2.69% |
| MONROE, LA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,655 | 4.44% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,042 | 3.06% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,645 | 2.88% |
| Athens, TN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,393 | 4.21% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,715 | 3.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,467 | 2.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,975 | 4.25% |
| Del Rio, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,627 | 2.75% |
| GADSDEN, AL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,149 | 3.33% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,077 | 3.13% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,315 | 2.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,344 | 3.13% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,034 | 2.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,463 | 3.43% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,882 | 3.49% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,405 | 2.75% |
| Taos, NM (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,703 | 3.25% |
| Rutland, VT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,224 | 3.12% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,937 | 3.25% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,870 | 3.06% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,544 | 3.94% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,618 | 3.13% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,493 | 3.06% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,927 | 3.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,984 | 3.13% |
| FOND DU LAC, WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,708 | 2.94% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,668 | 3.74% |
| Cullman, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,467 | 2.88% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,272 | 2.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,556 | 3.50% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,786 | 3.12% |
| Durant, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,098 | 3.62% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,552 | 2.81% |
| MADERA, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,777 | 3.75% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,784 | 3.37% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,501 | 3.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,407 | 2.88% |
| MORGANTOWN, WV (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,545 | 3.17% |
| Heber, UT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,530 | 3.38% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,298 | 3.25% |
| Granbury, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,914 | 3.18% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,781 | 3.99% |
| Bartlesville, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,519 | 3.37% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,639 | 3.12% |
| Oxford, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,043 | 3.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,473 | 3.99% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,705 | 3.37% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,707 | 4.44% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,576 | 2.99% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,267 | 2.88% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,646 | 2.50% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,029 | 2.81% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,742 | 3.18% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,603 | 3.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,570 | 2.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $15,207 | 2.50% |
| Holland, MI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,534 | 3.75% |
| Meadville, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,218 | 3.81% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,904 | 2.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,491 | 2.75% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,112 | 2.75% |
| Baraboo, WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,725 | 4.12% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,412 | 2.63% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,649 | 3.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,470 | 3.49% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,365 | 2.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,273 | 4.63% |
| Garden City, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,322 | 3.25% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,050 | 3.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,666 | 3.25% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,089 | 3.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,650 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,565 | 3.18% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,013 | 2.69% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,710 | 3.50% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,023 | 2.99% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,683 | 3.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,403 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,656 | 2.75% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,440 | 2.75% |
| Waycross, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,867 | 3.75% |
| Washington, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,015 | 2.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,499 | 2.99% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,985 | 4.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,498 | 3.75% |
| Payson, AZ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,366 | 3.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,141 | 3.44% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,265 | 2.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,362 | 2.75% |
| Corning, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,460 | 3.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $3,918 | 4.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,535 | 2.99% |
| Mason City, IA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,279 | 2.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,632 | 2.99% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,821 | 4.00% |
| NILES, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,736 | 4.25% |
| Wapakoneta, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,178 | 2.94% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,442 | 3.75% |
| Dayton, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,972 | 3.62% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,641 | 3.38% |
| Centralia, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,844 | 2.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,107 | 2.50% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,357 | 3.38% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,532 | 2.75% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,843 | 2.50% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,153 | 2.88% |
| Union City, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,313 | 3.00% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,458 | 3.69% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,474 | 3.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,086 | 3.25% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,800 | 2.63% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $999 | 3.38% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,485 | 4.00% |
| Selinsgrove, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,840 | 3.87% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,179 | 3.99% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,340 | 2.38% |
| Bedford, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,027 | 3.38% |
| Somerset, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,871 | 3.38% |
| Lake City, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,424 | 2.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,887 | 3.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,218 | 7.50% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,549 | 3.49% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,397 | 4.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,530 | 2.75% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,765 | 3.49% |
| Burley, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,406 | 3.75% |
| Auburn, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,593 | 3.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,869 | 3.12% |
| Salina, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,054 | 3.63% |
| Williston, ND (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,249 | 3.25% |
| Marshall, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,719 | 3.25% |
| Somerset, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,756 | 3.88% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,249 | 3.75% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,587 | 2.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,419 | 3.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,544 | 2.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,102 | 3.13% |
| Austin, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,945 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,633 | 4.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,619 | 2.75% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,446 | 2.50% |
| Jasper, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $908 | 3.00% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,756 | 2.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,256 | 3.13% |
| Huntington, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,783 | 2.99% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,410 | 3.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,452 | 3.56% |
| New Castle, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,207 | 2.99% |
| Laurel, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,147 | 3.75% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $987 | 2.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,149 | 3.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,271 | 3.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,794 | 3.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,575 | 2.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,382 | 3.75% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,924 | 2.38% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,039 | 3.49% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,623 | 2.99% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,471 | 2.88% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,079 | 3.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,002 | 3.50% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,654 | 5.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,221 | 2.63% |
| Oil City, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,187 | 3.25% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,195 | 3.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,069 | 2.99% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,941 | 4.75% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,098 | 3.13% |
| London, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,908 | 3.25% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,932 | 2.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,775 | 2.99% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,942 | 2.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,432 | 3.25% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $910 | 3.75% |
| Camden, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,236 | 3.63% |
| Paris, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,195 | 3.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,192 | 4.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,013 | 3.25% |
| Adrian, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,060 | 2.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,017 | 2.63% |
| Batesville, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,468 | 3.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,676 | 4.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,657 | 2.99% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,692 | 2.99% |
| Hudson, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,469 | 2.99% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,171 | 3.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,665 | 3.75% |
| ENID, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,147 | 2.75% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,421 | 2.88% |
| Wilson, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,037 | 3.75% |
| AMES, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,629 | 4.13% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,832 | 3.13% |
| Henderson, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,452 | 2.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,655 | 3.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,656 | 2.99% |
| Marion, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,138 | 2.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,472 | 2.99% |
| Berlin, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,056 | 2.99% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,894 | 3.25% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,267 | 3.75% |
| Sayre, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,065 | 2.75% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,826 | 2.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,782 | 3.49% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,607 | 4.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,168 | 3.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $853 | 2.25% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,462 | 2.63% |
| Tifton, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,544 | 3.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,208 | 4.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,619 | 2.75% |
| North Platte, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,012 | 3.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,359 | 3.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,803 | 2.75% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,399 | 2.88% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,757 | 2.99% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,691 | 2.25% |
| Sanford, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,586 | 3.75% |
| Dumas, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,081 | 3.88% |
| Deming, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,654 | 3.25% |
| Jamestown, ND (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,993 | 3.75% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,430 | 4.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,294 | 2.99% |
| Atmore, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,432 | 3.75% |
| Pella, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,929 | 3.75% |
| Martin, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,319 | 3.00% |
| Columbus, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,564 | 2.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,353 | 3.75% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,667 | 4.13% |
| Winfield, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,367 | 3.75% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,442 | 3.88% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,953 | 4.38% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,578 | 2.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,133 | 3.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,450 | 3.99% |
| Crossville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,102 | 3.75% |
| Clovis, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,122 | 3.99% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,103 | 4.25% |
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Product Mix
For 2020, Embrace Home Loans's most frequently originated type of loan was Conventional, with 11,369 originations. Their 2nd most popular type was FHA, with 3,521 originations.
Loan Reason
For 2020, Embrace Home Loans's most frequently cited loan purpose was Refi, with 7,930 originations. The 2nd most popular reason was Home Purchase, with 7,220 originations.
Loan Duration/Length
For 2020, Embrace Home Loans's most frequently cited loan duration was 30 Year, with 15,409 originations. The 2nd most popular length was 15 Year, with 1,481 originations.
Origination Fees/Closing Costs
Embrace Home Loans's average total fees were $5,649, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 10,761 originations.
Interest Rates
During 2020, Embrace Home Loans's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 8,191 originations.
Loan Sizing
2020 saw Embrace Home Loans place emphasis on $200k-400k loans with 8,954 originations, totaling $2,574,010,000 in origination value.
Applicant Income
Embrace Home Loans lent most frequently to those with incomes in the $100k-150k range, with 3,863 originations. The second most popular income band? $50k-75k, with 3,363 originations.
Applicant Debt to Income Ratio
Embrace Home Loans lent most frequently to those with DTI ratios of 20-30%, with 3,509 originations. The next most common DTI ratio? 30-36%, with 2,968 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.02%
Embrace Home Loans has a below average approval rate.
Pick Rate
Approvals leading to origination60.84%
Embrace Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 18,099 | $5,565,915,000 | $307,526 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 247 | $33,355,000 | $135,040 |
| Single Family (1-4 Units):Site-Built | 17,852 | $5,532,560,000 | $309,913 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| EMBRACE HOME LOANS | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 60.0% |
| EMBRACE HOME LOANS | FHA mortgage | Closing on a mortgage | 1 | 20.0% |
| EMBRACE HOME LOANS | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |