Kemba Credit Union in Ohio vs the state
21.2%Denial rate+3.53 pts vs state
24.2%Decision denial rate+2.30 pts vs state
66.0%Origination rate+6.08 pts vs state
7.50%Median rate+0.63 pts vs state
-0.26Rate spread (pts)-0.65 pts vs state
$107kMedian applicant income
510Loans originated
164Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 707 | 437 | 22.8% | 7.75% | #94 |
| 2024 | 703 | 403 | 27.3% | 8.50% | #104 |
| 2025 | 773 | 510 | 21.2% | 7.50% | #104 |
What Kemba Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Kemba Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 411 | 279 | 83 | 20.2% |
| Clermont County | 134 | 88 | 32 | 23.9% |
| Butler County | 127 | 83 | 23 | 18.1% |
| Warren County | 54 | 30 | 14 | 25.9% |
| Brown County | 11 | 7 | 2 | 18.2% |
| Montgomery County | 8 | 6 | 1 | 12.5% |
| Clinton County | 5 | 2 | 2 | 40.0% |
| Adams County | 4 | 0 | 4 | 100.0% |
| Preble County | 3 | 2 | 1 | 33.3% |
| Richland County | 2 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 773 applications in 2025, of which 510 were originated and 164 denied.
21.2% of all applications, or 24.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Kemba Credit Union originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Kemba Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology