Kalsee Credit Union mortgage approval rate & lending review
Kalsee Credit Union decided 343 mortgage applications and funded 313 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kalsee Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kalsee Credit Union at a glance
Approval is 24.5 points above the 68.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 50 / 52 | 94% | $205K | 47 |
| Home improvement loans | 93% | 194 / 209 | 99% | $45K | 193 |
| Cash-out refinance | 86% | 31 / 36 | 100% | $85K | 31 |
| Refinance | 100% | 35 / 35 | 94% | $55K | 33 |
Kalsee Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 93% | $45K | 343 | 313 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Kalsee Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kalamazoo County, MI | Home improvement loans | 94% | 151 | 141 |
| Calhoun County, MI | Home improvement loans | 91% | 44 | 40 |
| Kalamazoo County, MI | Mortgage lenders | 98% | 44 | 40 |
| Kalamazoo County, MI | Refinance | 100% | 32 | 30 |
| Kalamazoo County, MI | Cash-out refinance | 87% | 30 | 26 |
The county markets where Kalsee Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Kalsee Credit Union
What is Kalsee Credit Union's mortgage approval rate?
Kalsee Credit Union approved 93.0% of the 343 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 24.5 points above the 68.5% national rate for the same mix of loan types.
How often do borrowers take the loan Kalsee Credit Union offers?
Borrowers accepted 98% of the loans Kalsee Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Kalsee Credit Union make?
The typical home improvement loan loan Kalsee Credit Union made was $45K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kalsee Credit Union lend?
Kalsee Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Kalsee Credit Union directly?
Yes. Kalsee Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kalsee Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Kalsee Credit Union treats applications, then get a rate quote from the lender.