Mortgage lending in Kalamazoo County, Michigan
Lenders in Kalamazoo County, Michigan reported 9,839 mortgage applications for 2025, according to the CFPB.
9,839 mortgage applications and 6,162 loans originated in 2025; the denial rate was 20.6% of 8,148 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kalamazoo-Portage, MI MSA.
- 9,839
- Applications
- 6,162
- Loans originated
- 20.6%
- Denial rate
- 1,678 denied of 8,148 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,839 | 6,162 |
| 2024 | 9,459 | 5,912 |
| 2023 | 8,755 | 5,463 |
| 2022 | 12,138 | 7,739 |
| 2021 | 18,553 | 12,618 |
| 2020 | 17,656 | 12,134 |
| 2019 | 12,124 | 8,232 |
| 2018 | 10,475 | 7,079 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Consumers Credit Union | 873 | 1,107 |
| Lake Michigan Credit Union | 614 | 785 |
| Advia Credit Union | 450 | 819 |
| Rocket Mortgage | 367 | 502 |
| Arbor Financial Credit Union | 345 | 435 |
| United Wholesale Mortgage | 251 | 337 |
| Fifth Third Bank, National Association | 211 | 377 |
| KALSEE Credit Union | 176 | 192 |
| PNC Bank N.A. | 146 | 233 |
| Huntington National Bank | 135 | 237 |
| Mortgage Center LC | 133 | 176 |
| Success Mortgage Partners, Inc | 124 | 171 |
| Honor Credit Union | 122 | 178 |
| Kellogg Community Credit Union | 94 | 102 |
| GVC Mortgage, Inc. | 93 | 123 |
| Horizon Bank | 90 | 121 |
| Mortgage Research Center | 73 | 141 |
| Mercantile Bank | 64 | 94 |
| 21ST Mortgage | 61 | 317 |
| Union Home Mortgage Corp. | 60 | 73 |
| Flagstar Bank NA | 60 | 83 |
| Sturgis Bank & Trust | 59 | 71 |
| Freedom Mortgage Corporation | 46 | 93 |
| Old National Bank | 43 | 66 |
| Primelending | 39 | 46 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 61 | no rate: base under 50 |
| Asian | 262 | 19.7% of 213 decided |
| Black or African American | 711 | 43.7% of 551 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,179 | 17.1% of 6,077 decided |
| 2 or more minority races | 23 | no rate: base under 50 |
| Joint | 206 | 23.6% of 161 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,383 | 26.4% of 1,072 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 346 | 29.4% of 289 decided |
| Not Hispanic or Latino | 7,892 | 19.7% of 6,627 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,409 | 23.5% of 1,075 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,360 | 20.9% of 2,750 decided |
| Female | 2,494 | 28.1% of 2,099 decided |
| Joint | 3,226 | 13.4% of 2,734 decided |
| Sex Not Available | 759 | 26.4% of 565 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1578 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved