Kalsee Credit Union in Michigan vs the state
3.2%Denial rate-15.34 pts vs state
3.3%Decision denial rate-19.27 pts vs state
91.2%Origination rate+31.28 pts vs state
6.63%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.15 pts vs state
$83kMedian applicant income
258Loans originated
9Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 135 | 8.7% | 7.50% | #207 |
| 2024 | 185 | 156 | 9.2% | 7.74% | #199 |
| 2025 | 283 | 258 | 3.2% | 6.63% | #177 |
What Kalsee Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Kalsee Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kalamazoo County | 192 | 176 | 4 | 2.1% |
| Calhoun County | 30 | 28 | 2 | 6.7% |
| Van Buren County | 20 | 17 | 0 | 0.0% |
| St. Joseph County | 12 | 12 | 0 | 0.0% |
| Barry County | 8 | 6 | 2 | 25.0% |
| Allegan County | 6 | 4 | 1 | 16.7% |
| Branch County | 3 | 3 | 0 | 0.0% |
| Berrien County | 2 | 2 | 0 | 0.0% |
| Hillsdale County | 2 | 2 | 0 | 0.0% |
| Kent County | 2 | 2 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 283 applications in 2025, of which 258 were originated and 9 denied.
3.2% of all applications, or 3.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Kalsee Credit Union originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Kalsee Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology