Kemba Credit Union in Indiana vs the state
16.4%Denial rate-0.18 pts vs state
19.6%Decision denial rate-0.53 pts vs state
67.2%Origination rate+4.96 pts vs state
7.50%Median rate+0.75 pts vs state
-0.34Rate spread (pts)-0.70 pts vs state
$87kMedian applicant income
41Loans originated
10Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 50 | 13.0% | 8.25% | #290 |
| 2024 | 58 | 38 | 20.7% | 8.38% | #322 |
| 2025 | 61 | 41 | 16.4% | 7.50% | #329 |
What Kemba Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Kemba Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dearborn County | 29 | 21 | 5 | 17.2% |
| Wayne County | 14 | 9 | 3 | 21.4% |
| Franklin County | 12 | 9 | 2 | 16.7% |
| Ripley County | 4 | 2 | 0 | 0.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 61 applications in 2025, of which 41 were originated and 10 denied.
16.4% of all applications, or 19.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Kemba Credit Union originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Kemba Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology