Kellogg Community Credit Union mortgage approval rate & lending review
Kellogg Community Credit Union decided 1,255 mortgage applications and funded 1,230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kellogg Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kellogg Community Credit Union at a glance
Approval is 24.6 points above the 74.6% 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 | 99% | 314 / 316 | 99% | $155K | 312 |
| Home improvement loans | 99% | 416 / 421 | 98% | $35K | 406 |
| Cash-out refinance | 98% | 49 / 50 | 100% | $135K | 49 |
| Refinance | 100% | 373 / 374 | 99% | $55K | 370 |
| Investment property purchase | 100% | 43 / 43 | 100% | $85K | 43 |
| Investment cash-out refinance | 97% | 30 / 31 | 100% | $95K | 30 |
Kellogg Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 99% | $55K | 1,255 | 1,230 |
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 Kellogg Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Calhoun County, MI | Home improvement loans | 99% | 313 | 304 |
| Calhoun County, MI | Refinance | 100% | 284 | 280 |
| Calhoun County, MI | Mortgage lenders | 100% | 204 | 201 |
| Kalamazoo County, MI | Mortgage lenders | 100% | 78 | 78 |
| Kalamazoo County, MI | Home improvement loans | 100% | 71 | 68 |
| Kalamazoo County, MI | Refinance | 100% | 59 | 59 |
| Calhoun County, MI | Investment property purchase | 100% | 28 | 28 |
| Calhoun County, MI | Cash-out refinance | 96% | 28 | 27 |
The county markets where Kellogg Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Kellogg Community Credit Union
What is Kellogg Community Credit Union's mortgage approval rate?
Kellogg Community Credit Union approved 99.2% of the 1,255 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 24.6 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Kellogg Community Credit Union offers?
Borrowers accepted 99% of the loans Kellogg Community 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 Kellogg Community Credit Union make?
The typical home improvement loan loan Kellogg Community Credit Union made was $35K; across all loan types its typical loan ran from $35K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kellogg Community Credit Union lend?
Kellogg Community Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Kellogg Community Credit Union directly?
Yes. Kellogg Community Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kellogg Community 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 Kellogg Community Credit Union treats applications, then get a rate quote from the lender.