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Kalamazoo County, Michigan · 2025

Mortgage lenders in Kalamazoo County, MI: denial rates and top lenders (2025)

333 lenders acted on 9,839 mortgage applications for properties in Kalamazoo County in 2025. 17.1% were denied (Michigan: 18.5%). Median rate on closed loans 6.75%; median loan $145,000; median property value $285,000.

9.8kApplications
17.1%Denial ratestate 18.5%
6.75%Median ratestate 6.75%
$145,000Median loan
$285,000Median property value

Largest lenders in Kalamazoo County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Consumers Credit Union C 1,107873 6.7%6.50%
2 ADVIA Federal Credit Union D 819450 27.8%7.00%
3 Lake Michigan Credit Union A 785614 4.7%6.74%
4 Rocket Mortgage C 502367 17.3%6.63%
5 Arbor Financial Credit Union B 435345 6.2%7.13%
6 Fifth Third Bank D 377211 25.5%7.50%
7 United Shore Financial Services B 337251 11.6%6.50%
8 21st Mortgage F 31761 58.0%11.56%
9 The Huntington National Bank D 237135 29.1%7.13%
10 PNC Bank D 233146 18.9%7.35%
11 Kalsee Credit Union A 192176 2.1%6.75%
12 Honor Credit Union D 178122 18.0%7.25%
13 Mortgage Center L.c C 176133 8.5%6.50%
14 Success Mortgage Partners B 171124 0.0%6.63%
15 Triad Financial Services D 15432 55.8%8.73%
16 Mortgage Research Center C 14173 11.4%6.25%
17 Gvc Mortgage B 12393 1.6%6.63%
18 Horizon Bank A 12190 14.1%6.63%
19 Kellogg Community Credit Union B 10294 0.0%7.19%
20 Mercantile Bank C 9464 16.0%6.75%
21 Freedom Mortgage B 9346 7.5%6.25%
22 Newrez D 8636 12.8%6.63%
23 Flagstar Bank C 8360 6.0%6.63%
24 Comerica Bank C 8234 30.5%5.99%
25 Coastal Community Bank C 7515 1.3%11.49%

Best approval odds in Kalamazoo County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Kellogg Community Credit Union940.0%
2Success Mortgage Partners1240.0%
3Union Home Mortgage631.6%
4Coastal Community Bank512.0%
5Gvc Mortgage962.1%
6Kalsee Credit Union1852.2%
7Sturgis Bank & Trust702.9%
8Lake Michigan Credit Union6715.5%
9Arbor Financial Credit Union3867.0%
10Flagstar Bank677.5%

What Kalamazoo County borrowers applied for

By loan purpose

Home purchase 4,194 43% · 12.2% denied
Refinance 1,905 19% · 14.5% denied
Cash-out refinance 1,323 13% · 20.9% denied
Home improvement 1,142 12% · 24.3% denied
Other / HELOC 1,275 13% · 26.5% denied

By loan type

Conventional 8,429 86% · 17.2% denied
FHA 882 9% · 20.1% denied
VA 520 5% · 10.0% denied
USDA / RHS 8 0% · 0.0% denied

Why applications were denied

Credit history 571 34%
Debt-to-income ratio 427 25%
Incomplete application 277 17%
Collateral 206 12%
Other 122 7%
Unverifiable information 40 2%
Insufficient cash 24 1%
Employment history 9 1%
Mortgage insurance denied 1 0%

Kalamazoo County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,7555,46317.3%7.13%$125,000
20249,4595,91218.3%7.00%$125,000
20259,8396,16217.1%6.75%$145,000

Frequently asked questions

17.1% of applications in Kalamazoo County were denied in 2025, against 18.5% statewide in Michigan.

Consumers Credit Union, with 1,107 applications in 2025 and a denial rate of 6.7%.

The median mortgage application in Kalamazoo County in 2025 was for $145,000; the median property value on originated loans was $285,000.