Kemba Financial Credit Union Inc
Kemba Financial Credit Union Inc received 3,359 applications in 2025 and made 1,876 mortgages, in 80 counties across 12 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 2,925 decisions, 999 were denials — 34.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Y6FMTOZSY0VW06 |
|---|---|
| Applications received | 3,359 |
| Mortgages made | 1,876 |
| Denied | 999 |
| Approved, not taken up | 50 |
| Withdrawn or incomplete | 434 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 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 | 116 | 6.125% | $260,000 | 6.4% |
| Refinancing | 623 | 7.000% | $115,000 | 24.1% |
| Cash-out refinancing | 45 | 6.250% | $205,000 | 23.3% |
| Other purposes | 1,092 | 7.250% | $75,000 | 40.7% |
Where Kemba Financial 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 |
|---|---|---|---|
| Franklin County, OH | 1,026 | 7.000% | 36.4% |
| Delaware County, OH | 271 | 7.000% | 23.1% |
| Fairfield County, OH | 150 | 7.250% | 35.2% |
| Licking County, OH | 92 | 7.120% | 28.9% |
| Logan County, OH | 48 | 7.000% | 43.0% |
| Union County, OH | 48 | 7.063% | 19.7% |
| Pickaway County, OH | 46 | 7.000% | 35.2% |
| Madison County, OH | 35 | 7.250% | 23.9% |
| Knox County, OH | 23 | 7.000% | 29.4% |
| Morrow County, OH | 20 | 7.000% | 27.6% |
| Fayette County, OH | 11 | 7.250% | 31.3% |
| Marion County, OH | 10 | 6.625% | 37.5% |
| Richland County, OH | 8 | Under 10 loans | 42.9% |
| Champaign County, OH | 6 | Under 10 loans | 53.8% |
| Clark County, OH | 5 | Under 10 loans | 28.6% |
| Hocking County, OH | 5 | Under 10 loans | 54.6% |
| Medina County, OH | 5 | Under 10 loans | 14.3% |
| Muskingum County, OH | 5 | Under 10 loans | 0.0% |
| Perry County, OH | 5 | Under 10 loans | 16.7% |
| Lucas County, OH | 4 | Under 10 loans | 55.6% |
| Ross County, OH | 4 | Under 10 loans | 42.9% |
| Allen County, OH | 3 | Under 10 loans | 40.0% |
| Hamilton County, OH | 3 | Under 10 loans | 25.0% |
| Hardin County, OH | 3 | Under 10 loans | 50.0% |
| Montgomery County, OH | 3 | Under 10 loans | 50.0% |
| Wayne County, MI | 2 | Under 10 loans | 50.0% |
| Ashland County, OH | 2 | Under 10 loans | 33.3% |
| Athens County, OH | 2 | Under 10 loans | 33.3% |
| Hancock County, OH | 2 | Under 10 loans | 0.0% |
| Pike County, OH | 2 | Under 10 loans | 33.3% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Ashtabula County, OH | 1 | Under 10 loans | 0.0% |
| Columbiana County, OH | 1 | Under 10 loans | 0.0% |
| Coshocton County, OH | 1 | Under 10 loans | 0.0% |
| Crawford County, OH | 1 | Under 10 loans | 50.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Defiance County, OH | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 50.0% |
| Greene County, OH | 1 | Under 10 loans | 66.7% |
| Guernsey County, OH | 1 | Under 10 loans | 0.0% |
| Lake County, OH | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Seneca County, OH | 1 | Under 10 loans | 50.0% |
| Shelby County, OH | 1 | Under 10 loans | 0.0% |
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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.