Lender profile · HMDA 2023–2025
Emblem mortgage approval rates & lending data
Emblem decided 657 mortgage applications and funded 407 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 65% | 148 / 228 | 77% | $195K | 114 |
| Home improvement loans | 76% | 136 / 179 | 81% | $55K | 110 |
| Cash-out refinance | 76% | 28 / 37 | 68% | $95K | 19 |
| Refinance | 79% | 83 / 105 | 81% | $155K | 67 |
| Investment property purchase | 97% | 62 / 64 | 97% | $95K | 60 |
Emblem lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 75% | $95K | 655 | 405 |
| Florida | 100% | $595K | 1 | 1 |
| Tennessee | 100% | $455K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.