Emblem Credit Union
Emblem Credit Union received 457 applications in 2025 and made 260 mortgages, in 20 counties across 3 states. The median rate its borrowers got was 7.125% on a median loan of $95,000. Of 446 decisions, 128 were denials — 28.7%, most often for credit history. 52 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008YZRSEXRIR3I97 |
|---|---|
| Applications received | 457 |
| Mortgages made | 260 |
| Denied | 128 |
| Approved, not taken up | 58 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.355 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 87 | 6.500% | $165,000 | 30.5% |
| Refinancing | 55 | 6.500% | $125,000 | 17.5% |
| Cash-out refinancing | 13 | 6.500% | $155,000 | 24.0% |
| Other purposes | 105 | 7.500% | $45,000 | 32.8% |
Where Emblem Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Etowah County, AL | 124 | 7.250% | 23.8% |
| Calhoun County, AL | 44 | 7.125% | 31.4% |
| DeKalb County, AL | 32 | 6.500% | 38.5% |
| Cherokee County, AL | 19 | 6.750% | 37.2% |
| Marshall County, AL | 14 | 7.375% | 36.0% |
| Talladega County, AL | 6 | Under 10 loans | 22.2% |
| Baldwin County, AL | 4 | Under 10 loans | 16.7% |
| Cleburne County, AL | 3 | Under 10 loans | 0.0% |
| St. Clair County, AL | 3 | Under 10 loans | 50.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Limestone County, AL | 2 | Under 10 loans | 0.0% |
| Autauga County, AL | 1 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 0.0% |
| Jackson County, AL | 1 | Under 10 loans | 0.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Haralson County, GA | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 0 | Under 10 loans | 50.0% |
| Shelby County, AL | 0 | Under 10 loans | 100.0% |
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When Emblem Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.