Applications / Mortgage Analytics / Lenders / Alabama / Emblem Credit Union
Gadsden, AL · Credit union · NCUA · $597 million assets · 260 loans in 2025
Emblem Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
260
loans originated, 2025
457
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Emblem Credit Union is the fifth-largest lender in Gadsden, AL, and its loans rose 24% in 2025, faster than at most similar credit unions.
In Gadsden, AL it ranks 5 of 190 lenders, with 4.4% of the market, down from 5.1%. In a market that small, a few large loans by rivals can move shares. In Anniston-Oxford, AL it ranks 17 of 203, with 1.6%. It has lent in both since at least 1990.
Similar lenders are credit unions making between half and twice as many loans. Emblem made 260 loans in 2025, up 24% from 210, faster than about seven in ten of them; their count grew 6%. It is still below the 321 loans of 2022.
Purchases took 33.5% of its lending, refinancing 26.2% and home improvement 25.4%. Its typical loan was $95,000, against $105,000 at peers, and every loan was conventional. Manufactured homes made up 3.1%, against 0.2% at similar lenders.
Low- and moderate-income (LMI) borrowers took 21.4% of its loans, against 27.7% at peers, and LMI neighborhoods 12.1%, against 16.2%. One possible reason is incomes in its markets compared with the limits that define LMI.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Emblem Credit Union took 457 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.5% · Refinance 26.2% · Home improvement 25.4% · Other 14.6% · Not applicable 0.4%
Conventional 100.0% · of 260 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 258 | 99.2% |
| Florida | 1 | 0.4% |
| Georgia | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gadsden | 124 |
| Anniston-Oxford | 44 |
| Birmingham | 6 |
| Daphne-Fairhope-Foley | 4 |
| Huntsville | 2 |
| Montgomery | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008YZRSEXRIR3I97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 181383 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567252 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Emblem Credit Union's data.
Emblem Credit Union's data
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Emblem Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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