Kemba Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th23.7% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.26 ptsProcesswithdrawn + incomplete share, weight 15%
46th12.3%Closing coststotal loan costs ÷ loan amount, weight 10%
35th2.32% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 939 | 591 | 22.4% | 26.1% | 7.75% | $114M |
| 2024 | 940 | 544 | 26.4% | 31.2% | 8.50% | $97M |
| 2025 | 993 | 659 | 20.8% | 23.7% | 7.50% | $134M |
What Kemba Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 487 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 5 investment properties.
Why Kemba Credit Union denies applications
Primary reason reported for each of the 206 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Kemba Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 84 | 35 | 53.3% |
| $50k – $100k | 362 | 230 | 27.4% |
| $100k – $150k | 247 | 169 | 21.2% |
| $150k – $250k | 183 | 136 | 11.0% |
| Over $250k | 89 | 66 | 15.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 18 | 0.0% |
| 25–34 | 153 | 108 | 18.8% |
| 35–44 | 221 | 151 | 24.6% |
| 45–54 | 212 | 140 | 26.6% |
| 55–64 | 200 | 121 | 25.5% |
| 65–74 | 120 | 72 | 28.0% |
| Over 74 | 49 | 35 | 18.6% |
Where Kemba Credit Union lends
10 states and 53 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Kemba Credit Union denied 23.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
The most common reason Kemba Credit Union gave in 2025 was "credit history", cited on 35.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Kemba Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was -0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 15% for refinancing (including cash-out), and 67% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.