Applications / Mortgage Analytics / Lenders / Michigan / Summit Home Mortgage
Kalamazoo, MI · Non-bank or government lender · CFPB · 61 loans in 2025
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61
loans originated, 2025
76
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Summit Home Mortgage is a small Kalamazoo mortgage company that lends almost only to home buyers in a handful of Michigan counties, and it made fewer loans in 2025.
It made 61 loans in 2025, close to the 63 of the typical similar lender (non-bank or government lenders making between half and twice as many loans). Home purchases account for 95.1% of them. It lends in 11 counties, all in Michigan, and has reported since 2014. Its typical loan, $235,000, is smaller than at about four in five of its peers, whose typical loan is $385,000.
Its loans fell 36%, from 96 to 61, while similar lenders made 5% fewer and the whole market grew 10%. For a lender this small, a few dozen loans either way moves the count a long way, so one year says little about direction. Whether it chose to lend less or lost business to rivals cannot be told from these figures.
Around Kalamazoo its share slipped from 0.9% to 0.6%, placing it 34th of 281 lenders; credit unions lead that market, with Consumers Credit Union first. Around Battle Creek its share fell from 1.1% to 0.5%. Both falls may simply reflect its smaller volume. With so few loans, its figures for particular kinds of borrower or neighborhood are too thin to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Summit Home Mortgage took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.1% · Refinance 4.9%
Conventional 85.2% · FHA 8.2% · VA 6.6% · of 61 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 | 61 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kalamazoo-Portage | 30 |
| Battle Creek | 17 |
| Grand Rapids-Wyoming-Kentwood | 3 |
| Niles | 1 |
| South Bend-Mishawaka | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K6AZER0SHGEN26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3297191 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7463061185 |
Established 15 May 2013. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Summit Home Mortgage's data.
Summit Home Mortgage's data
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Summit Home Mortgage 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.
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