Florida › Tampa › Embrace Home Loans, INC.
Embrace Home Loans, INC.
Embrace Home Loans, INC. is a mortgage lender: it funds loans with its own money or credit lines, then keeps, services or sells them (Fla. Stat. 494.001(24); CFPB: “a financial institution that makes direct loans”). It has 6 licensed Florida offices: Gainesville, Inverness, Pensacola, Tampa, Viera, Wesley Chapel. Its principal office is in Newport, RI.
| Kind | Mortgage lender |
| License or charter | Florida mortgage lender (Chapter 494), status Approved |
| NMLS id | 2184 (company); branches 1190302, 1500692, 2364360, 2865393, 2874003, 2880211, 2899053 |
| Florida offices | Gainesville, Inverness, Pensacola, Tampa, Viera, Wesley Chapel |
| Counties | Alachua, Brevard, Citrus, Escambia, Hillsborough, Pasco |
| Website | embracehomeloans.com |
| Phone | (800) 333-3004 |
| Address shown on its site | 4051 NW 43rd Street, Suite 33 Gainesville, FL 32606 |
Loan types Embrace Home Loans, INC. lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Tampa firms offering it.
- Adjustable rate mortgages (ARM)
- Bridge loans
- Rate buydown mortgages
- Cash out refinance
- Conventional mortgages
- Down payment assistance programs
- DSCR loans
- FHA loans
- FHA streamline refinance
- First time home buyer loans and programs
- Fix and flip loans
- Hard money and private money loans
- Home equity loans
- Interest only mortgages
- Investment property and rental loans
- Jumbo loans
- Manufactured home loans
- Refinance
- Renovation loans
- Second home mortgages
- Florida Housing and Hometown Heroes loans
- Short term rental DSCR loans
- USDA loans
- VA loans
Loan mix from federal filings
| Florida loans originated, 2025 | 627 |
| Applications | 818 |
| Denial rate | 6% |
| Conventional / FHA / VA / USDA | 55% / 33% / 12% / 0% |
| Purchase / refinance / cash out | 94% / 3% / 3% |
| Home improvement / other purpose | 0% / 0% |
| Investor and second home share | 8% |
| Dollar volume | $219,335,000 |
| Top counties | Brevard (223), Lee (78), Hillsborough (52), Marion (43), Hernando (28) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by EMBRACE HOME LOANS, INC.. Counts are loans in Florida only.
Embrace Home Loans, INC. offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Gainesville | 4051 Nw 43rd Street, Suite 33 32606 | (401) 846-3100 | Branch, NMLS 2865393 |
| Inverness | 111 West Main Street, Suite 20 34450 | (800) 333-3004 | Branch, NMLS 2899053 |
| Pensacola | 1400 N. Spring Street 32501 | (800) 333-3004 | Branch, NMLS 2880211 |
| Tampa | 1408 N Westshore Blvd, Suite 706 33607 | (800) 333-3004 | Branch, NMLS 1190302 |
| Tampa | 503 Guisando De Avila 33613 | (800) 333-3004 | Branch, NMLS 2364360 |
| Viera | 8255 North Wickham Road, Suite 101 32940 | (800) 333-3004 | Branch, NMLS 1500692 |
| Wesley Chapel | 6013 Wesley Grove Boulevard, B 33544 | (800) 333-3004 | Branch, NMLS 2874003 |
As of October 15, 2026Source: Florida OFR office and branch records. Addresses are as filed; call before visiting.
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Hillsborough County at a glance
| Mortgage applications filed in 2025 | 64,877 |
| Loans originated | 30,453 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 10% |
| Investor and second home share | 10% |
| Dollar volume originated | $11,570,545,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Hillsborough County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.