Kellogg Community Credit Union in Michigan vs the state
1.2%Denial rate-17.36 pts vs state
1.3%Decision denial rate-21.33 pts vs state
91.2%Origination rate+31.35 pts vs state
7.44%Median rate+0.69 pts vs state
1.25Rate spread (pts)+0.85 pts vs state
$82kMedian applicant income
552Loans originated
7Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 561 | 491 | 0.9% | 7.00% | #97 |
| 2024 | 486 | 440 | 0.4% | 7.50% | #117 |
| 2025 | 605 | 552 | 1.2% | 7.44% | #112 |
What Kellogg Community Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Kellogg Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 364 | 334 | 5 | 1.4% |
| Kalamazoo County | 102 | 94 | 0 | 0.0% |
| Barry County | 32 | 27 | 0 | 0.0% |
| St. Joseph County | 29 | 27 | 0 | 0.0% |
| Kent County | 14 | 13 | 0 | 0.0% |
| Eaton County | 13 | 12 | 0 | 0.0% |
| Branch County | 10 | 10 | 0 | 0.0% |
| Van Buren County | 7 | 6 | 0 | 0.0% |
| Allegan County | 6 | 6 | 0 | 0.0% |
| Ingham County | 4 | 3 | 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: 605 applications in 2025, of which 552 were originated and 7 denied.
1.2% of all applications, or 1.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Kellogg Community Credit Union originated in Michigan in 2025 was 7.44%, against a statewide median of 6.75%.
About this data. Figures are Kellogg Community 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