Kemba Financial Credit Union Inc mortgage approval rate & lending review
Kemba Financial Credit Union Inc decided 5,768 mortgage applications and funded 3,619 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kemba Financial Credit Union Inc reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kemba Financial Credit Union Inc at a glance
Approval is 4.4 points below the 68.4% 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 | 93% | 258 / 278 | 98% | $265K | 254 |
| Home improvement loans | 59% | 1,571 / 2,677 | 97% | $65K | 1,522 |
| Cash-out refinance | 63% | 899 / 1,432 | 99% | $65K | 888 |
| Refinance | 73% | 941 / 1,296 | 99% | $105K | 932 |
| Investment home improvement | 10% | 5 / 48 | 100% | $55K | 5 |
Kemba Financial Credit Union Inc lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 64% | $65K | 5,709 | 3,595 |
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 Financial Credit Union Inc lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Home improvement loans | 58% | 1,846 | 1,036 |
| Franklin County, OH | Cash-out refinance | 62% | 972 | 591 |
| Franklin County, OH | Refinance | 70% | 845 | 589 |
| Delaware County, OH | Home improvement loans | 70% | 346 | 237 |
| Delaware County, OH | Refinance | 78% | 206 | 158 |
| Franklin County, OH | Mortgage lenders | 90% | 164 | 143 |
| Fairfield County, OH | Home improvement loans | 58% | 235 | 133 |
| Delaware County, OH | Cash-out refinance | 70% | 182 | 125 |
| Fairfield County, OH | Refinance | 76% | 127 | 96 |
| Fairfield County, OH | Cash-out refinance | 64% | 125 | 80 |
| Licking County, OH | Home improvement loans | 53% | 153 | 78 |
| Licking County, OH | Cash-out refinance | 65% | 114 | 74 |
The county markets where Kemba Financial Credit Union Inc made the most loans. Each link opens that market with every lender ranked.
Questions about Kemba Financial Credit Union Inc
What is Kemba Financial Credit Union Inc's mortgage approval rate?
Kemba Financial Credit Union Inc approved 64.0% of the 5,768 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.4 points below the 68.4% national rate for the same mix of loan types.
How often do borrowers take the loan Kemba Financial Credit Union Inc offers?
Borrowers accepted 98% of the loans Kemba Financial 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 Financial Credit Union Inc make?
The typical home improvement loan loan Kemba Financial Credit Union Inc made was $65K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kemba Financial Credit Union Inc lend?
Kemba Financial Credit Union Inc decided applications in 15 of the states Fat Boy Data covers, most of them in Ohio, Florida and Michigan.
Can I apply to Kemba Financial Credit Union Inc directly?
Yes. Kemba Financial Credit Union Inc is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kemba Financial 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 Financial Credit Union Inc treats applications, then get a rate quote from the lender.