Kemba Credit Union in Kentucky vs the state
22.9%Denial rate+4.05 pts vs state
25.6%Decision denial rate+2.11 pts vs state
65.7%Origination rate+7.67 pts vs state
7.50%Median rate+0.75 pts vs state
-0.27Rate spread (pts)-0.58 pts vs state
$97kMedian applicant income
92Loans originated
32Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 84 | 25.4% | 8.25% | #156 |
| 2024 | 158 | 87 | 27.2% | 8.50% | #148 |
| 2025 | 140 | 92 | 22.9% | 7.50% | #173 |
What Kemba Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Kemba Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 57 | 36 | 15 | 26.3% |
| Kenton County | 43 | 29 | 9 | 20.9% |
| Campbell County | 22 | 16 | 4 | 18.2% |
| Grant County | 6 | 3 | 2 | 33.3% |
| Gallatin County | 5 | 2 | 1 | 20.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Spencer County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 0 | 1 | 100.0% |
| Pendleton County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 140 applications in 2025, of which 92 were originated and 32 denied.
22.9% of all applications, or 25.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Kemba Credit Union originated in Kentucky 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 Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology