KELLOGG COMMUNITY CREDIT UNION
KELLOGG COMMUNITY CREDIT UNION received 605 applications in 2025 and made 552 mortgages, in 24 counties across 1 state. The median rate its borrowers got was 7.438% on a median loan of $75,000. Of 562 decisions, 7 were denials — 1.3%, most often for credit history.
| Legal Entity Identifier | 254900CDUILFTCPB7H89 |
|---|---|
| Applications received | 605 |
| Mortgages made | 552 |
| Denied | 7 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.25 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 | 177 | 6.750% | $165,000 | 0.0% |
| Refinancing | 180 | 7.750% | $65,000 | 1.1% |
| Cash-out refinancing | 39 | 6.830% | $135,000 | 0.0% |
| Other purposes | 156 | 7.750% | $35,000 | 3.1% |
Where KELLOGG COMMUNITY CREDIT UNION lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Calhoun County, MI | 334 | 7.500% | 1.5% |
| Kalamazoo County, MI | 94 | 7.188% | 0.0% |
| Barry County, MI | 27 | 7.500% | 0.0% |
| St. Joseph County, MI | 27 | 7.250% | 0.0% |
| Kent County, MI | 13 | 7.750% | 0.0% |
| Eaton County, MI | 12 | 7.188% | 0.0% |
| Branch County, MI | 10 | 7.313% | 0.0% |
| Allegan County, MI | 6 | Under 10 loans | 0.0% |
| Van Buren County, MI | 6 | Under 10 loans | 0.0% |
| Cass County, MI | 3 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 3 | Under 10 loans | 25.0% |
| Ingham County, MI | 3 | Under 10 loans | 0.0% |
| Jackson County, MI | 3 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 2 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Luce County, MI | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 0 | Under 10 loans | 100.0% |
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When KELLOGG COMMUNITY 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.