Kemba Financial Credit Union Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Kemba Financial Credit Union Inc 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Kemba Financial Credit Union Inc 555 Officenter Pl Gahanna, OH 43230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,234 |
| Total Mortgage Loan Application Amount | $275,480,000 |
| Average Mortgage Loan Application Amount | $110,200 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $102,800 |
| Highest Applicant Income | $1,127,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Kemba Financial Credit Union Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Kemba Financial Credit Union Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Kemba Financial Credit Union Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Kemba Financial Credit Union Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Kemba Financial Credit Union Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Kemba Financial Credit Union Inc's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 1,902 | $ 154,170,000 | $ 81,000 | $ 96,000 |
| Delaware County Ohio | 334 | $ 30,940,000 | $ 92,000 | $ 148,000 |
| Fairfield County Ohio | 271 | $ 24,715,000 | $ 91,000 | $ 118,000 |
| Licking County Ohio | 176 | $ 15,440,000 | $ 87,000 | $ 111,000 |
| Pickaway County Ohio | 78 | $ 7,670,000 | $ 98,000 | $ 101,000 |
| Logan County Ohio | 76 | $ 5,530,000 | $ 72,000 | $ 86,000 |
| Madison County Ohio | 57 | $ 4,545,000 | $ 79,000 | $ 90,000 |
| Union County Ohio | 41 | $ 4,335,000 | $ 105,000 | $ 139,000 |
| Knox County Ohio | 32 | $ 2,400,000 | $ 75,000 | $ 100,000 |
| Morrow County Ohio | 15 | $ 1,345,000 | $ 89,000 | $ 94,000 |
| Clark County Ohio | 14 | $ 730,000 | $ 52,000 | $ 75,000 |
| Ross County Ohio | 12 | $ 1,120,000 | $ 93,000 | $ 86,000 |
| Muskingum County Ohio | 11 | $ 1,245,000 | $ 113,000 | $ 91,000 |
| Hocking County Ohio | 10 | $ 770,000 | $ 77,000 | $ 113,000 |
| Champaign County Ohio | 9 | $ 575,000 | $ 63,000 | $ 102,000 |
| Hamilton County Ohio | 9 | $ 755,000 | $ 83,000 | $ 96,000 |
| Wayne County Michigan | 8 | $ 260,000 | $ 32,000 | $ 51,000 |
| Cuyahoga County Ohio | 8 | $ 580,000 | $ 72,000 | $ 110,000 |
| Lucas County Ohio | 8 | $ 430,000 | $ 53,000 | $ 86,000 |
| Marion County Ohio | 7 | $ 365,000 | $ 52,000 | $ 83,000 |
| Richland County Ohio | 6 | $ 510,000 | $ 85,000 | $ 75,000 |
| Fayette County Ohio | 5 | $ 265,000 | $ 53,000 | $ 89,000 |
| Oakland County Michigan | 4 | $ 170,000 | $ 42,000 | $ 55,000 |
| Erie County Ohio | 4 | $ 860,000 | $ 215,000 | $ 109,000 |
| Hardin County Ohio | 4 | $ 380,000 | $ 95,000 | $ 61,000 |
| Montgomery County Ohio | 4 | $ 360,000 | $ 90,000 | $ 137,000 |
| Stark County Ohio | 4 | $ 600,000 | $ 150,000 | $ 62,000 |
| Warren County Ohio | 4 | $ 990,000 | $ 247,000 | $ 226,000 |
| Wood County Ohio | 4 | $ 250,000 | $ 62,000 | $ 66,000 |
| Pasco County Florida | 3 | $ 285,000 | $ 95,000 | $ 123,000 |
| Athens County Ohio | 3 | $ 345,000 | $ 115,000 | $ 122,000 |
| Butler County Ohio | 3 | $ 285,000 | $ 95,000 | $ 98,000 |
| Crawford County Ohio | 3 | $ 155,000 | $ 51,000 | $ 64,000 |
| Greene County Ohio | 3 | $ 485,000 | $ 161,000 | $ 128,000 |
| Henry County Ohio | 3 | $ 305,000 | $ 101,000 | $ 41,000 |
| Shelby County Ohio | 3 | $ 285,000 | $ 95,000 | $ 83,000 |
| Broward County Florida | 2 | $ 270,000 | $ 135,000 | $ 176,000 |
| Charlotte County Florida | 2 | $ 50,000 | $ 25,000 | $ 29,000 |
| Hillsborough County Florida | 2 | $ 150,000 | $ 75,000 | $ 80,000 |
| Osceola County Florida | 2 | $ 870,000 | $ 435,000 | $ 717,000 |
| Polk County Florida | 2 | $ 150,000 | $ 75,000 | $ 73,000 |
| Sumter County Florida | 2 | $ 180,000 | $ 90,000 | $ 99,000 |
| Walton County Florida | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Hendricks County Indiana | 2 | $ 240,000 | $ 120,000 | $ 172,000 |
| Kenton County Kentucky | 2 | $ 50,000 | $ 25,000 | $ 100,000 |
| Lenawee County Michigan | 2 | $ 60,000 | $ 30,000 | $ 79,000 |
| Allen County Ohio | 2 | $ 140,000 | $ 70,000 | $ 94,000 |
| Clinton County Ohio | 2 | $ 320,000 | $ 160,000 | $ 50,000 |
| Gallia County Ohio | 2 | $ 100,000 | $ 50,000 | $ 39,000 |
| Geauga County Ohio | 2 | $ 310,000 | $ 155,000 | $ 205,000 |
| Huron County Ohio | 2 | $ 140,000 | $ 70,000 | $ 76,000 |
| Jefferson County Ohio | 2 | $ 90,000 | $ 45,000 | $ 52,000 |
| Lorain County Ohio | 2 | $ 170,000 | $ 85,000 | $ 123,000 |
| Mahoning County Ohio | 2 | $ 230,000 | $ 115,000 | $ 101,000 |
| Ottawa County Ohio | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| Pike County Ohio | 2 | $ 240,000 | $ 120,000 | $ 109,000 |
| Summit County Ohio | 2 | $ 80,000 | $ 40,000 | $ 68,000 |
| York County South Carolina | 2 | $ 200,000 | $ 100,000 | $ 105,000 |
| Maricopa County Arizona | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Ventura County California | 1 | $ 105,000 | $ 105,000 | $ 198,000 |
| Denver County Colorado | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Jefferson County Colorado | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| New Castle County Delaware | 1 | $ 435,000 | $ 435,000 | $ 130,000 |
| Lee County Florida | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| Manatee County Florida | 1 | $ 635,000 | $ 635,000 | $ 227,000 |
| Marion County Florida | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
| Martin County Florida | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Palm Beach County Florida | 1 | $ 75,000 | $ 75,000 | $ 169,000 |
| Sarasota County Florida | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| St. Johns County Florida | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Volusia County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Chatham County Georgia | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
| Dawson County Georgia | 1 | $ 205,000 | $ 205,000 | $ 350,000 |
| Forsyth County Georgia | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Fulton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 190,000 |
| Henry County Georgia | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Peoria County Illinois | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Hamilton County Indiana | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Marion County Indiana | 1 | $ 185,000 | $ 185,000 | $ 217,000 |
| Jefferson County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Gladwin County Michigan | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Grand Traverse County Michigan | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Macomb County Michigan | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Monroe County Michigan | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Muskegon County Michigan | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Washtenaw County Michigan | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Washington County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Ashland County Ohio | 1 | $ 245,000 | $ 245,000 | $ 188,000 |
| Ashtabula County Ohio | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Auglaize County Ohio | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Brown County Ohio | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Clermont County Ohio | 1 | $ 15,000 | $ 15,000 | $ 117,000 |
| Defiance County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Fulton County Ohio | 1 | $ 405,000 | $ 405,000 | $ 500,000 |
| Guernsey County Ohio | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Hancock County Ohio | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Highland County Ohio | 1 | $ 35,000 | $ 35,000 | $ 105,000 |
| Lake County Ohio | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Mercer County Ohio | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Perry County Ohio | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Preble County Ohio | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Sandusky County Ohio | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Tuscarawas County Ohio | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Wayne County Ohio | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Philadelphia County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Jefferson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 110,000 |
| Rhea County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 219,000 |
| Sevier County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 237,000 |
| King County Washington | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Kemba Financial Credit Union Inc in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,355 | $128,355,000 | $94,000 | $735,000 | $102,000 | $1,127,000 |
| Home Improvement | 1,113 | $67,735,000 | $60,000 | $455,000 | $110,000 | $900,000 |
| Other Purpose | 515 | $35,235,000 | $68,000 | $525,000 | $105,000 | $1,029,000 |
| Home Purchase | 158 | $32,890,000 | $208,000 | $725,000 | $102,000 | $771,000 |
| Refinancing | 93 | $11,265,000 | $121,000 | $635,000 | $95,000 | $476,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,235 | $190,515,000 | $85,000 | $635,000 | $109,000 | $900,000 |
| Black or African American | 619 | $48,995,000 | $79,000 | $735,000 | $89,000 | $1,127,000 |
| Not Provided | 195 | $18,385,000 | $94,000 | $725,000 | $115,000 | $610,000 |
| Hispanic | 78 | $7,580,000 | $97,000 | $345,000 | $83,000 | $300,000 |
| Asian | 54 | $5,170,000 | $95,000 | $485,000 | $108,000 | $587,000 |
| Not applicable | 27 | $2,515,000 | $93,000 | $255,000 | $0 | $0 |
| American Indian or Alaskan Native | 22 | $1,760,000 | $80,000 | $285,000 | $85,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $125,000 | $125,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,219 | $273,125,000 | $84,000 | $735,000 | $105,000 | $1,127,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,680,000 | $168,000 | $295,000 | $71,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 5 | $675,000 | $135,000 | $165,000 | $219,000 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,852 | $166,810,000 | $90,000 | $725,000 | $112,000 | $1,029,000 |
| Application Denied By Financial Institution | 1,181 | $79,625,000 | $67,000 | $735,000 | $95,000 | $1,127,000 |
| Application Approved But Not Accepted | 91 | $14,025,000 | $154,000 | $615,000 | $100,000 | $476,000 |
| Application Withdrawn By Applicant | 87 | $12,355,000 | $142,000 | $555,000 | $100,000 | $900,000 |
| File Closed For Incompleteness | 23 | $2,665,000 | $115,000 | $265,000 | $118,000 | $1,002,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,053 | $195,855,000 | $95,000 | $725,000 | $111,000 | $1,029,000 |
| Debt-To-Income Ratio | 466 | $30,780,000 | $66,000 | $735,000 | $75,000 | $720,000 |
| Credit Application Incomplete | 253 | $18,245,000 | $72,000 | $455,000 | $112,000 | $780,000 |
| Credit History | 195 | $11,375,000 | $58,000 | $445,000 | $95,000 | $228,000 |
| Collateral | 143 | $10,025,000 | $70,000 | $635,000 | $116,000 | $1,127,000 |
| Unverifiable Information | 95 | $6,805,000 | $71,000 | $365,000 | $111,000 | $610,000 |
| Other | 15 | $1,205,000 | $80,000 | $175,000 | $106,000 | $300,000 |
| Employment History | 7 | $405,000 | $57,000 | $105,000 | $93,000 | $153,000 |
| Mortgage Insurance Denied | 6 | $420,000 | $70,000 | $105,000 | $99,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $365,000 | $365,000 | $365,000 | $115,000 | $115,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kemba Financial Credit Union Inc's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kemba Financial Credit Union Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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