# Kemba Financial Credit Union Inc

> **Canonical URL:** https://saferate.com/lenders/kemba-financial-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 Financial Credit Union Inc is a credit union, headquartered in Gahanna, OH, serving borrowers across 5 states, with 167 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Y6FMTOZSY0VW06
- **Headquarters:** Gahanna, OH
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, IN, KY, MI, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.016%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,837
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 167
- **Dollar Volume:** $43 million
- **Applications Received:** 259
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,156
- **Average Borrower Income:** $119,186
- **Average Property Value:** $363,982

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 166 | -0.019% | $1,839 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 120 loans, Score: 40/100 (Sound)
- Refinance: 46 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 121 | $34M | -0.025% | Acceptable 🙂 |
| Refinance | 49/100 | 46 | $9M | +0.006% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 157 | 0.12% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 123 | 77/100 |
| Non |  | 17 | 31/100 |

## Where This Lender Ranks

Kemba Financial Credit Union Inc appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Columbus, OH Credit Unions
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Columbus, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Kemba Financial Credit Union Inc offer?

Kemba Financial Credit Union Inc offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Kemba Financial Credit Union Inc offer mortgages?

Kemba Financial Credit Union Inc offers mortgages in 5 states: FL, IN, KY, MI, OH.

### How competitive are Kemba Financial Credit Union Inc's mortgage rates?

Kemba Financial Credit Union Inc has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.016% below market average.

### What type of lender is Kemba Financial Credit Union Inc?

Kemba Financial Credit Union Inc is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Gahanna, OH.

### What is Kemba Financial Credit Union Inc's loan approval success rate?

Kemba Financial Credit Union Inc has a pull-through score of 51/100 (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-financial-credit-union

### How to Cite

> "Kemba Financial Credit Union Inc Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kemba-financial-credit-union

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