What loan types does Kemba Financial Credit Union offer?

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

Where does Kemba Financial Credit Union offer mortgages?

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

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

Kemba Financial Credit Union has an overall pricing score of 42.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Kemba Financial Credit Union?

Kemba Financial Credit Union is a Credit Union headquartered in Gahanna, OH.

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Kemba Financial Credit Union

Credit Union•Gahanna, OHHQ•Direct•Reviews near you on Google

Kemba Financial Credit Union has 167 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

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Report Card

Kemba Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 1.6 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

166 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

121 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

46 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

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	Sound	Sound	Acceptable	166	99.4%	-0.019%Below	$1,839Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume166

Mix99.4%

Spread

-0.019%Below

Fees

$1,839Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	121	72.5%	-0.025%Below	$1,899Fees
Refinance	Sound	Sound	Strong	Sound	46	27.5%	+0.006%Above	$1,674Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume121

Mix72.5%

Spread

-0.025%Below

Fees

$1,899Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume46

Mix27.5%

Spread

+0.006%Above

Fees

$1,674Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

167

Applications

259

Volume

$42 million

Pricing & Closing

Avg Rate Spread

-0.016%

vs. market APOR

Avg Net Fees

$1,837

Origination − Credits

Pullthrough Rate

64.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$257,156

Avg Borrower Income

$119,186

Avg Property Value

$363,982

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

5Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest3

INMIOH

South2

FLKY

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 123Mix 73.65% of portfolio

77/100

Strong

Top States by Place Specialization Score

OhioState

Volume 157Mix 94.01% of portfolio

71/100

Strong

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.