Kemba Financial Credit Union in Ohio vs the state
29.6%Denial rate+11.88 pts vs state
33.9%Decision denial rate+12.03 pts vs state
56.1%Origination rate-3.79 pts vs state
7.00%Median rate+0.13 pts vs state
0.18Rate spread (pts)-0.21 pts vs state
$104kMedian applicant income
1,869Loans originated
985Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,303 | 1,719 | 32.7% | 8.00% | #24 |
| 2024 | 3,196 | 1,657 | 35.3% | 8.00% | #31 |
| 2025 | 3,331 | 1,869 | 29.6% | 7.00% | #33 |
What Kemba Financial Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Kemba Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 1,900 | 1,026 | 604 | 31.8% |
| Delaware County | 403 | 271 | 84 | 20.8% |
| Fairfield County | 261 | 150 | 83 | 31.8% |
| Licking County | 164 | 92 | 39 | 23.8% |
| Logan County | 104 | 48 | 37 | 35.6% |
| Pickaway County | 77 | 46 | 25 | 32.5% |
| Union County | 73 | 48 | 12 | 16.4% |
| Madison County | 53 | 35 | 11 | 20.8% |
| Knox County | 40 | 23 | 10 | 25.0% |
| Morrow County | 30 | 20 | 8 | 26.7% |
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: 3,331 applications in 2025, of which 1,869 were originated and 985 denied.
29.6% of all applications, or 33.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Kemba Financial Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Kemba Financial 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