Applications / Mortgage Analytics / Lenders / Ohio / Kemba Credit Union
West Chester, OH · Credit union · NCUA · $1.7 billion assets · 659 loans in 2025
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659
loans originated, 2025
993
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kemba Credit Union is an Ohio credit union centred on home-improvement and other-purpose loans, whose originations rose 21% in 2025, faster than about three in four similar credit unions.
Originations rose 21% to 659, against 6% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose from $97.5 million to $133.9 million. Volume remains below the 997 loans of 2022.
Home improvement was 32.2% of its lending and other purposes 29.1%, against 22.8% for home purchases and 15.9% for refinances; 100.0% of its loans were conventional. Its typical rate, 7.50%, was higher than peers' 7.00%, which that mix of home-improvement and other loans could explain; 0.0% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
It turned down 2.9% of home-purchase applications, against 6.3% at peers, lower than at more than three in four, and 12.5% of refinance applications, against 20.0%, lower than at about three in four.
LMI (low- and moderate-income) borrowers took 34.0% of its loans, up from 19.0% five years before and higher than at four in five peers, against 26.9%. LMI areas took 15.0%, close to peers' 15.2%. In Cincinnati it ranked 32 of 621 lenders, with a share up 0.1 points to 0.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credit Union took 993 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.2% · Other 29.1% · Purchase 22.8% · Refinance 15.9%
Conventional 100.0% · of 659 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 | 510 | 77.4% |
| Kentucky | 92 | 14.0% |
| Indiana | 41 | 6.2% |
| Florida | 9 | 1.4% |
| South Carolina | 3 | 0.5% |
| Arkansas | 1 | 0.2% |
| Arizona | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| West Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 604 |
| Dayton-Kettering-Beavercreek | 8 |
| Cape Coral-Fort Myers | 3 |
| Louisville/Jefferson County | 3 |
| Akron | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Naples-Marco Island | 2 |
| Beckley | 1 |
| Bowling Green | 1 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GN85R5S1V3SJ96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 704492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561810 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Kemba Credit Union's data.
Kemba Credit Union's data
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Kemba 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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