Kemba Credit Union, Inc. mortgage approval rate & lending review
Kemba Credit Union, Inc. decided 1,309 mortgage applications and funded 1,047 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kemba Credit Union, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kemba Credit Union, Inc. at a glance
Approval is 9.6 points above the 71.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 314 / 332 | 100% | $315K | 313 |
| Home improvement loans | 72% | 542 / 749 | 99% | $75K | 536 |
| Cash-out refinance | 86% | 87 / 101 | 99% | $205K | 86 |
| Refinance | 86% | 75 / 87 | 99% | $265K | 74 |
| Investment property purchase | 100% | 32 / 32 | 100% | $325K | 32 |
Kemba Credit Union, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 81% | $75K | 1,106 | 888 |
| Kentucky | 77% | $95K | 158 | 119 |
| Florida | 92% | $415K | 25 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Kemba Credit Union, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Home improvement loans | 70% | 349 | 241 |
| Hamilton County, OH | Mortgage lenders | 98% | 181 | 177 |
| Butler County, OH | Home improvement loans | 79% | 137 | 107 |
| Clermont County, OH | Home improvement loans | 73% | 101 | 73 |
| Hamilton County, OH | Cash-out refinance | 94% | 48 | 45 |
| Boone County, KY | Home improvement loans | 70% | 53 | 37 |
| Hamilton County, OH | Refinance | 82% | 45 | 37 |
| Kenton County, KY | Home improvement loans | 75% | 44 | 32 |
| Warren County, OH | Home improvement loans | 67% | 46 | 31 |
The county markets where Kemba Credit Union, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Kemba Credit Union, Inc.
What is Kemba Credit Union, Inc.'s mortgage approval rate?
Kemba Credit Union, Inc. approved 80.7% of the 1,309 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.6 points above the 71.0% national rate for the same mix of loan types.
How often do borrowers take the loan Kemba Credit Union, Inc. offers?
Borrowers accepted 99% of the loans Kemba Credit Union, Inc. approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Kemba Credit Union, Inc. make?
The typical home improvement loan loan Kemba Credit Union, Inc. made was $75K; across all loan types its typical loan ran from $75K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kemba Credit Union, Inc. lend?
Kemba Credit Union, Inc. decided applications in 12 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Florida.
Can I apply to Kemba Credit Union, Inc. directly?
Yes. Kemba Credit Union, Inc. is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kemba Credit Union, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Kemba Credit Union, Inc. treats applications, then get a rate quote from the lender.