What people paid for mortgages in Kalamazoo County, MI (2025)
Across 2,543 closed home-purchase loans in 2025, the median interest rate in Kalamazoo was 6.625%, and the middle half of borrowers got between 6.24% and 6.875%. Median total loan costs ran $3,972 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.24%–6.875%
- Median total loan costs
- $3,972
- Median loan amount
- $235,000
2,543 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.99%
- Median total loan costs
- $4,479
- Median loan amount
- $185,000
1,150 loans, 2025.
Lowest median rates in Kalamazoo (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Mortgage Research Center, LLC6.25%58 loans, median costs $3,620
- 2.LAKE MICHIGAN CREDIT UNION6.375%317 loans, median costs $3,497
- 3.MORTGAGE CENTER L.C6.375%60 loans, median costs $3,989
- 4.ARBOR FINANCIAL CREDIT UNION6.5%142 loans, median costs $3,948
- 5.Honor Credit Union6.5%40 loans, median costs $3,201
Among lenders with at least 30 closed purchase loans in Kalamazoo County in 2025.
Refinance
- 1.CONSUMERS CREDIT UNION5.99%188 loans, median costs $2,923
- 2.Rocket Mortgage, LLC5.99%164 loans, median costs $6,893
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%104 loans, median costs $4,927
- 4.FREEDOM MORTGAGE CORPORATION6.25%41 loans, median costs $5,215
- 5.ARBOR FINANCIAL CREDIT UNION6.5%36 loans, median costs $2,945
Among lenders with at least 30 closed refinance loans in Kalamazoo County in 2025.
Lender by lender in Kalamazoo
Every lender that closed at least 5 qualifying loans in Kalamazoo County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | CONSUMERS CREDIT UNION | 390 | 6.625% | $3,377 | $1,075 | $677 |
| 2 | LAKE MICHIGAN CREDIT UNION | 317 | 6.375% | $3,497 | $1,044 | $384 |
| 3 | ARBOR FINANCIAL CREDIT UNION | 142 | 6.5% | $3,948 | $1,280 | $660 |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 122 | 6.609% | $5,081 | $1,785 | $1,168 |
| 5 | Rocket Mortgage, LLC | 110 | 6.562% | $5,643 | $2,266 | $2,264 |
| 6 | SUCCESS MORTGAGE PARTNERS, INC. | 86 | 6.625% | $7,288 | $4,053 | $2,393 |
| 7 | GVC MORTGAGE, INC. | 85 | 6.625% | $5,581 | $3,030 | $1,911 |
| 8 | MORTGAGE CENTER L.C | 60 | 6.375% | $3,989 | $1,440 | $375 |
| 9 | Mortgage Research Center, LLC | 58 | 6.25% | $3,620 | $0 | $855 |
| 10 | 21st Mortgage Corporation | 57 | 11.58% | n/a | n/a | n/a |
| 11 | Flagstar Bank, N.A. | 47 | 6.625% | $3,974 | $1,582 | $979 |
| 12 | The Huntington National Bank | 43 | 6.625% | $3,814 | $1,395 | $385 |
| 13 | Horizon Bank | 43 | 6.75% | $4,321 | $2,013 | $1,112 |
| 14 | Fifth Third Bank, National Association | 43 | 6.625% | $3,044 | $1,295 | $304 |
| 15 | UNION HOME MORTGAGE CORP. | 42 | 6.875% | $5,110 | $2,456 | $1,074 |
| 16 | Honor Credit Union | 40 | 6.5% | $3,201 | $950 | $1,500 |
| 17 | Mercantile Bank | 40 | 6.75% | $3,966 | $1,190 | $685 |
| 18 | KELLOGG COMMUNITY CREDIT UNION | 32 | 6.625% | $3,071 | $975 | $3,225 |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 31 | 8.73% | n/a | n/a | n/a |
| 20 | SUMMIT HOME MORTGAGE, LLC | 29 | 6.625% | $3,803 | $1,395 | $876 |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 28 | 6.625% | $4,818 | $2,634 | $1,573 |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.575% | $7,083 | $2,610 | $3,218 |
| 23 | PNC Bank, National Association | 27 | 6.625% | $3,510 | $1,296 | $392 |
| 24 | Prosperity Home Mortgage, LLC | 25 | 6.625% | $5,517 | $1,499 | $1,575 |
| 25 | KALSEE CREDIT UNION | 25 | 6.625% | $3,886 | $860 | $1,287 |
| 26 | Independent Bank | 22 | 6.625% | $3,981 | $1,353 | $521 |
| 27 | FIRST COMMUNITY MORTGAGE, INC. | 22 | 6.625% | $4,981 | $2,651 | $1,392 |
| 28 | Sturgis Bank & Trust Company | 21 | 6.625% | $3,388 | $1,150 | n/a |
| 29 | JPMorgan Chase Bank, National Association | 20 | 6.433% | $4,018 | $1,589 | $1,985 |
| 30 | CHURCHILL MORTGAGE CORPORATION | 18 | 6.625% | $5,372 | $2,843 | $1,488 |
| 31 | Navy Federal Credit Union | 17 | 5.75% | $3,595 | $0 | $2,887 |
| 32 | USAA Federal Savings Bank | 16 | 6.125% | $6,333 | $1,229 | $2,061 |
| 33 | THE LOAN STORE, INC.broker only | 15 | 6.49% | $6,584 | $4,324 | $933 |
| 34 | MORTGAGE 1 INCORPORATED | 14 | 6.625% | $6,228 | $2,852 | $2,432 |
| 35 | AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.625% | $8,465 | $3,764 | $2,217 |
| 36 | GUARANTEED RATE, INC. | 14 | 6.425% | $4,493 | $2,124 | $187 |
| 37 | GUILD MORTGAGE COMPANY | 13 | 6.75% | $5,327 | $2,784 | $2,209 |
| 38 | UNITED FEDERAL CREDIT UNION | 13 | 6.375% | $3,739 | $975 | $559 |
| 39 | Old National Bank | 11 | 6.125% | $3,561 | $1,100 | $1,994 |
| 40 | NORTHERN MORTGAGE SERVICES, LLC | 11 | 6.625% | $6,088 | $3,921 | $1,324 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Kalamazoo figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Kalamazoo County in 2025?
The median interest rate on closed home-purchase loans in Kalamazoo County, Michigan in 2025 was 6.625%, across 2,543 first-lien, owner-occupied loans. The middle half of borrowers got between 6.24% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.