What loan types does Kemba Credit Union offer?

Kemba Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Kemba Credit Union offer mortgages?

Kemba Credit Union offers mortgages in 8 states: FL, IL, IN, KY, MI, OH, PA, TN.

How competitive are Kemba Credit Union's mortgage rates?

Kemba Credit Union has an overall pricing score of 77.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Kemba Credit Union?

Kemba Credit Union is a Credit Union headquartered in West Chester, OH.

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Kemba Credit Union

Credit Union•West Chester, OHHQ•Direct•Reviews near you on Google

Kemba Credit Union has 125 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Kemba Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+3.4 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

113 loans · 0.06% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

12 loans · 0.25% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

94 loans · 0.04% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

31 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	113	90.4%	+0.060%Above	$827Fees
Jumbo Loans	Sound	Sound	—	—	12	9.6%	-0.248%Below	$391Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume113

Mix90.4%

Spread

+0.060%Above

Fees

$827Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix9.6%

Spread

-0.248%Below

Fees

$391Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	94	75.2%	+0.042%Above	$904Fees
Refinance	Sound	Sound	Exceptional	Sound	31	24.8%	+0.008%Above	$407Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume94

Mix75.2%

Spread

+0.042%Above

Fees

$904Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume31

Mix24.8%

Spread

+0.008%Above

Fees

$407Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

125

Applications

186

Volume

$46 million

Pricing & Closing

Avg Rate Spread

+0.034%

vs. market APOR

Avg Net Fees

$790

Origination − Credits

Pullthrough Rate

67.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$370,280

Avg Borrower Income

$236,784

Avg Property Value

$551,240

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

8Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

Midwest4

ILINMIOH

South3

FLKYTN

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 104Mix 83.20% of portfolio

77/100

Strong

Top States by Place Specialization Score

OhioState

Volume 85Mix 68.00% of portfolio

65/100

Strong

KentuckyState

Volume 20Mix 16.00% of portfolio

52/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.