EMBRACE HOME LOANS, INC.
4,493 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,493
- Median rate
- 6.500%
- Median lender fees
- $7,058
- Median loan amount
- $385,000
- Median spread over APOR
- 0.186
- Paid discount points
- 49.5%
- Received lender credits
- 38.7%
- Purchases / refinances
- 86% / 13.2%
- Conventional / FHA / VA
- 67.5% / 22.4% / 9.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 94.9% of loans here — see methodology.
Where EMBRACE HOME LOANS, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Maryland | 856 | $8,153 | 6.625% |
| Florida | 627 | $8,593 | 6.490% |
| New Jersey | 599 | $6,848 | 6.500% |
| Virginia | 582 | $6,969 | 6.313% |
| New York | 269 | $7,117 | 6.500% |
| Massachusetts | 257 | $5,574 | 6.500% |
| Alabama | 256 | $7,159 | 6.625% |
| Delaware | 215 | $8,046 | 6.625% |
| Pennsylvania | 149 | $7,978 | 6.625% |
| New Hampshire | 133 | $4,615 | 6.625% |
| Rhode Island | 106 | $6,943 | 6.625% |
| Maine | 77 | $4,595 | 6.500% |
| Tennessee | 68 | $7,772 | 6.500% |
| District of Columbia | 54 | — | 6.375% |
| West Virginia | 50 | — | 6.490% |