KALSEE CREDIT UNION
KALSEE CREDIT UNION received 283 applications in 2025 and made 258 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $55,000. Of 272 decisions, 9 were denials — 3.3%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300MG52SOKOHXJM80 |
|---|---|
| Applications received | 283 |
| Mortgages made | 258 |
| Denied | 9 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2475 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 38 | 6.625% | $205,000 | 0.0% |
| Refinancing | 15 | 6.990% | $75,000 | 0.0% |
| Cash-out refinancing | 20 | 6.438% | $95,000 | 13.0% |
| Other purposes | 185 | 6.750% | $55,000 | 3.1% |
Where KALSEE CREDIT UNION lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kalamazoo County, MI | 176 | 6.750% | 2.2% |
| Calhoun County, MI | 28 | 6.063% | 6.7% |
| Van Buren County, MI | 17 | 7.125% | 0.0% |
| St. Joseph County, MI | 12 | 4.490% | 0.0% |
| Barry County, MI | 6 | Under 10 loans | 25.0% |
| Allegan County, MI | 4 | Under 10 loans | 20.0% |
| Branch County, MI | 3 | Under 10 loans | 0.0% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 2 | Under 10 loans | 0.0% |
| Ingham County, MI | 2 | Under 10 loans | 0.0% |
| Kent County, MI | 2 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
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When KALSEE CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.