Applications / Mortgage Analytics / Lenders / Michigan / Kellogg Community Credit Union
Battle Creek, MI · Credit union · NCUA · $962 million assets · 552 loans in 2025
Kellogg Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
552
loans originated, 2025
605
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kellogg Community Credit Union ranks 3 of 209 lenders in Battle Creek, MI, where its share rose to 5.7% as its home loans grew 25% in 2025.
It made 552 loans, up 25% from 440, against 6% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than four in five of them. Refinance was 39.7% of its lending, purchase 32.1% and home improvement 25.4%. It remains below the 814 loans it made in 2021.
In Battle Creek, MI, where it has lent since before 1990, it ranks behind Rocket Mortgage and Marshall Community Credit Union, with a share up from 5.2%. In Kalamazoo-Portage, MI it ranks 19 of 281, with 1.4%, up from 1.0%.
Its typical loan was $75,000, against $105,000, among the lowest tenth of similar lenders; its home-improvement lending may account for that. Of its loans, 36.2% went to low- and moderate-income (LMI) borrowers, against 27.3%, higher than more than four in five similar lenders, and 23.5% were in LMI tracts, against 15.1%, higher than about nine in ten.
Its share in majority-minority tracts was 4.0%, against 10.6%, lower than about seven in ten similar lenders, though up from 2.1% five years before. The markets it serves in Michigan may have few such tracts.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kellogg Community Credit Union took 605 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.7% · Purchase 32.1% · Home improvement 25.4% · Other 2.9%
Conventional 100.0% · of 552 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 552 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Battle Creek | 334 |
| Kalamazoo-Portage | 94 |
| Grand Rapids-Wyoming-Kentwood | 41 |
| Lansing-East Lansing | 16 |
| Jackson | 3 |
| South Bend-Mishawaka | 3 |
| Traverse City | 2 |
| Niles | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CDUILFTCPB7H89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 667579 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54702 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568678 | 2016–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kellogg Community Credit Union's data.
Kellogg Community Credit Union's data
$215
Kellogg Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Kellogg Community Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]