Emblem mortgage approval rate & lending review
Emblem decided 657 mortgage applications and funded 407 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Emblem reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Emblem at a glance
Approval is 1.5 points below the 77.0% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Emblem lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Etowah County, AL | Mortgage lenders | 71% | 150 | 83 |
| Etowah County, AL | Home improvement loans | 82% | 126 | 81 |
| Etowah County, AL | Refinance | 79% | 77 | 49 |
| Etowah County, AL | Investment property purchase | 95% | 39 | 36 |
| Calhoun County, AL | Home improvement loans | 65% | 46 | 27 |
| Calhoun County, AL | Mortgage lenders | 51% | 57 | 22 |
| Calhoun County, AL | Refinance | 77% | 26 | 17 |
| Etowah County, AL | Cash-out refinance | 79% | 24 | 12 |
The county markets where Emblem made the most loans. Each link opens that market with every lender ranked.
Questions about Emblem
What is Emblem's mortgage approval rate?
Emblem approved 75.5% of the 657 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points below the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Emblem offers?
Borrowers accepted 82% of the loans Emblem approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Emblem make?
The typical home purchase mortgage loan Emblem made was $195K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Emblem lend?
Emblem decided applications in 3 of the states Fat Boy Data covers, most of them in Alabama, Florida and Tennessee.
Can I apply to Emblem directly?
Yes. Emblem is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Emblem's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Emblem treats applications, then get a rate quote from the lender.