# KEMBA CREDIT UNION, INC.

> **Canonical URL:** https://saferate.com/lenders/kemba-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KEMBA CREDIT UNION, INC. is a credit union, headquartered in West Chester, OH, serving borrowers across 8 states, with 125 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GN85R5S1V3SJ96
- **Headquarters:** West Chester, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** FL, IL, IN, KY, MI, OH, PA, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 90.3%
- **Brokered/Wholesale:** 9.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.034%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $790
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 125
- **Dollar Volume:** $46 million
- **Applications Received:** 186
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,280
- **Average Borrower Income:** $236,784
- **Average Property Value:** $551,240

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 113 | +0.060% | $827 | Acceptable 🙂 |
| Jumbo | 42/100 | 12 | -0.248% | $391 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 86 loans, Score: 36/100 (Acceptable)
- Refinance: 27 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 94 | $32M | +0.042% | Acceptable 🙂 |
| Refinance | 40/100 | 31 | $14M | +0.008% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 85 | 0.06% | 65/100 |
| KY | 20 | 0.04% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 104 | 77/100 |
| Non |  | 10 | 25/100 |

## Where This Lender Ranks

KEMBA CREDIT UNION, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Cincinnati, OH for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Cincinnati, OH Credit Unions
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Cincinnati, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does KEMBA CREDIT UNION, INC. offer?

KEMBA CREDIT UNION, INC. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KEMBA CREDIT UNION, INC. offer mortgages?

KEMBA CREDIT UNION, INC. offers mortgages in 8 states: FL, IL, IN, KY, MI, OH, PA, TN.

### How competitive are KEMBA CREDIT UNION, INC.'s mortgage rates?

KEMBA CREDIT UNION, INC. has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.034% above market average.

### What type of lender is KEMBA CREDIT UNION, INC.?

KEMBA CREDIT UNION, INC. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in West Chester, OH.

### What is KEMBA CREDIT UNION, INC.'s loan approval success rate?

KEMBA CREDIT UNION, INC. has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/kemba-credit-union

### How to Cite

> "KEMBA CREDIT UNION, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kemba-credit-union

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