Emblem Credit Union in Alabama vs the state
28.1%Denial rate+8.28 pts vs state
28.8%Decision denial rate+3.83 pts vs state
56.7%Origination rate+1.31 pts vs state
7.25%Median rate+0.75 pts vs state
0.36Rate spread (pts)+0.07 pts vs state
$77kMedian applicant income
258Loans originated
128Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 449 | 239 | 29.2% | 7.25% | #76 |
| 2024 | 403 | 210 | 28.3% | 7.75% | #87 |
| 2025 | 455 | 258 | 28.1% | 7.25% | #87 |
What Emblem Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Emblem Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Etowah County | 195 | 124 | 46 | 23.6% |
| Calhoun County | 73 | 44 | 22 | 30.1% |
| DeKalb County | 67 | 32 | 25 | 37.3% |
| Cherokee County | 44 | 19 | 16 | 36.4% |
| Marshall County | 25 | 14 | 9 | 36.0% |
| Talladega County | 9 | 6 | 2 | 22.2% |
| St. Clair County | 6 | 3 | 3 | 50.0% |
| Baldwin County | 6 | 4 | 1 | 16.7% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Limestone County | 3 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 455 applications in 2025, of which 258 were originated and 128 denied.
28.1% of all applications, or 28.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Emblem Credit Union originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Emblem Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology