Applications / Mortgage Analytics / Lenders / Ohio / Kemba Financial Credit Union
Gahanna, OH · Credit union · NCUA · $2.4 billion assets · 1,876 loans in 2025
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1,876
loans originated, 2025
3,360
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kemba Financial Credit Union is a Columbus-area credit union lending mainly for home improvement and refinancing, and it grew 12% in 2025 while gaining share in Columbus.
Home improvement made up 36.4% of its loans, refinances 35.6%, other purposes 21.9% and home purchases 6.2%. All of it, 100.0%, was conventional, as at most similar lenders (credit unions making between half and twice as many loans). Its typical loan was $105,000, against $115,000 at peers, and it made no jumbo loans (larger than the conforming limit).
Loans in LMI (low- and moderate-income) areas were 18.0% of its lending, against 14.7% at similar lenders, higher than about three in four of them. LMI borrowers took 29.3%, against 26.6%. Its share in majority-minority areas rose to 14.6% from 8.2% five years before, against 11.0% at peers.
Originations rose 12% to 1,876, while similar lenders grew 9% and the whole market 10%. That is up from 1,577 five years before and the most it has made in any year since 2018. Its typical rate, 7.00%, matched peers', and its higher-priced share (a rate well above the average for similar loans) was 0.5%, against 1.5%.
In Columbus it ranked 22 of 596 lenders, its share rising 0.2 points to 1.3%; The Huntington National Bank ranked first.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kemba Financial Credit Union took 3,360 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.4% · Refinance 35.6% · Other 21.9% · Purchase 6.2%
Conventional 100.0% · of 1,876 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 1,869 | 99.6% |
| Florida | 4 | 0.2% |
| Michigan | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 1,698 |
| Cleveland | 9 |
| Mansfield | 8 |
| Dayton-Kettering-Beavercreek | 5 |
| Springfield | 5 |
| Toledo | 5 |
| Cincinnati | 4 |
| Lima | 3 |
| Detroit-Dearborn-Livonia | 2 |
| Canton-Massillon | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y6FMTOZSY0VW06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 31291 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561623 | 1992–2017 |
Established 1 January 1933. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Kemba Financial Credit Union's data.
Kemba Financial Credit Union's data
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Kemba Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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