KEMBA CREDIT UNION, INC.
KEMBA CREDIT UNION, INC. received 993 applications in 2025 and made 659 mortgages, in 53 counties across 10 states. The median rate its borrowers got was 7.500% on a median loan of $125,000. Of 871 decisions, 206 were denials — 23.7%, most often for credit history.
| Legal Entity Identifier | 549300GN85R5S1V3SJ96 |
|---|---|
| Applications received | 993 |
| Mortgages made | 659 |
| Denied | 206 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 122 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.259 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 | 150 | 6.250% | $285,000 | 3.2% |
| Refinancing | 49 | 5.500% | $245,000 | 19.7% |
| Cash-out refinancing | 56 | 6.375% | $165,000 | 3.5% |
| Other purposes | 404 | 7.500% | $75,000 | 31.3% |
Where KEMBA CREDIT UNION, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, OH | 279 | 7.250% | 22.9% |
| Clermont County, OH | 88 | 7.500% | 26.5% |
| Butler County, OH | 83 | 7.500% | 21.5% |
| Boone County, KY | 36 | 7.500% | 29.4% |
| Warren County, OH | 30 | 7.500% | 31.8% |
| Kenton County, KY | 29 | 7.500% | 23.1% |
| Dearborn County, IN | 21 | 7.500% | 19.2% |
| Campbell County, KY | 16 | 6.938% | 20.0% |
| Franklin County, IN | 9 | Under 10 loans | 18.2% |
| Wayne County, IN | 9 | Under 10 loans | 25.0% |
| Brown County, OH | 7 | Under 10 loans | 22.2% |
| Montgomery County, OH | 6 | Under 10 loans | 12.5% |
| Lee County, FL | 3 | Under 10 loans | 0.0% |
| Grant County, KY | 3 | Under 10 loans | 40.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Ripley County, IN | 2 | Under 10 loans | 0.0% |
| Gallatin County, KY | 2 | Under 10 loans | 33.3% |
| Jefferson County, KY | 2 | Under 10 loans | 0.0% |
| Clinton County, OH | 2 | Under 10 loans | 50.0% |
| Preble County, OH | 2 | Under 10 loans | 33.3% |
| Summit County, OH | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Mason County, KY | 1 | Under 10 loans | 0.0% |
| Pendleton County, KY | 1 | Under 10 loans | 0.0% |
| Spencer County, KY | 1 | Under 10 loans | 0.0% |
| Warren County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, OH | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Darke County, OH | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Highland County, OH | 1 | Under 10 loans | 0.0% |
| Jefferson County, OH | 1 | Under 10 loans | 50.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Richland County, OH | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Fayette County, WV | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 0 | Under 10 loans | 0.0% |
| Hamilton County, IN | 0 | Under 10 loans | Not published |
| Union County, IN | 0 | Under 10 loans | Not published |
| Carroll County, KY | 0 | Under 10 loans | 100.0% |
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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.