Case Study: Embrace Home Loans achieves 320% ROMI and scalable ML-driven marketing with Snowflake

Embrace Home Loans Lifts Marketing Campaign ROI with Improved Segmentation

Embrace Home Loans, a full‑service mortgage lender with more than 45 branches, ingests and analyzes a loan pipeline and 45 million prospect records to improve borrower and partner experiences. Faced with a legacy data architecture that couldn’t scale for machine learning, caused data silos, slow execution of ML notebooks, and limited campaign targeting, Embrace needed a modern, governed platform to lift marketing ROI.

Embrace adopted Snowflake as a single source of truth and connected DataRobot Zepl to manage 200 notebooks, score up to 45 million records, and protect PII while enabling collaboration. The new stack streamlined data flows and scoring, boosted model AUC from 0.7 to 0.9, and produced peak marketing ROI of 320%, while improving operational insights (e.g., 60% of loans close within 21 days) and aligning sales, marketing, and operations.

Embrace Home Loans

Keith Portman

Chief Analytics Officer