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.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

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 Center6.25%58 loans, median costs $3,620
2.Lake Michigan Credit Union6.375%317 loans, median costs $3,497
3.Mortgage Center LC6.375%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 MORTGAGE5.99%164 loans, median costs $6,893
3.United Wholesale Mortgagebroker 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.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

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 Wholesale Mortgagebroker only	122	6.609%	$5,081	$1,785	$1,168
5	ROCKET MORTGAGE	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 LC	60	6.375%	$3,989	$1,440	$375
9	Mortgage Research Center	58	6.25%	$3,620	$0	$855
10	21ST MORTGAGE	57	11.58%	n/a	n/a	n/a
11	Flagstar Bank NA	47	6.625%	$3,974	$1,582	$979
12	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	28	6.625%	$4,818	$2,634	$1,573
22	CROSSCOUNTRY MORTGAGE, LLC	27	6.575%	$7,083	$2,610	$3,218
23	PNC BANK N.A.	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	22	6.625%	$4,981	$2,651	$1,392
28	STURGIS BANK & TRUST	21	6.625%	$3,388	$1,150	n/a
29	JPMorgan Chase Bank, NA	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 BANK	16	6.125%	$6,333	$1,229	$2,061
33	The Loan Store, Incbroker 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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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What happens after you submit

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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.