Lender in Michigan · HMDA 2025
Kellogg Community Credit Union mortgages in Michigan
Kellogg Community Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Kellogg Community Credit Union originated 239 owner-occupied single-family loans in Michigan from 240 completed applications.
Its median conventional purchase loan costs were $2,870 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
239
of 240 applications
Denial rate
0.0%
Purchase · MI 7.8%
Rate spread
+0.14 pts
Conv. · MI +0.23 pts
Loan amount
$175,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 140 | 140 | 0.0% | 6.625% | +0.14 pts | $2,870 | $175,000 |
| Refinance | 79 | 78 | 0.0% | — | +1.50 pts | $150 | $65,000 |
| Cash-out refinance | 21 | 21 | 0.0% | — | +0.27 pts | $2,640 | $145,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Kellogg Community Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County | 2 | 139 | 7.5% |
| Branch County | 15 | 7 | 1.5% |
| Kalamazoo County | 17 | 41 | 1.3% |
| St. Joseph County | 18 | 14 | 1.8% |
| Barry County | 19 | 13 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology