# KELLOGG COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/kellogg-community-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

KELLOGG COMMUNITY CREDIT UNION is a credit union, headquartered in BATTLE CREEK, MI, with 198 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900CDUILFTCPB7H89
- **Headquarters:** BATTLE CREEK, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.160%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $926
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 198
- **Dollar Volume:** $32 million
- **Applications Received:** 229
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $162,323
- **Average Borrower Income:** $108,682

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 196 | +0.160% | $926 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 123 loans, Score: 59/100 (Sound)
- Refinance: 73 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 124 | $24M | +0.179% | Sound ☺️ |
| Refinance | 68/100 | 74 | $8M | +0.052% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 198 | 0.17% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Battle Creek, MI | MI | 113 | 98/100 |
| Kalamazoo | MI | 33 | 63/100 |
| Non |  | 26 | 37/100 |
| Grand Rapids | MI | 19 | 51/100 |

## Frequently Asked Questions

### What loan types does KELLOGG COMMUNITY CREDIT UNION offer?

KELLOGG COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KELLOGG COMMUNITY CREDIT UNION offer mortgages?

KELLOGG COMMUNITY CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are KELLOGG COMMUNITY CREDIT UNION's mortgage rates?

KELLOGG COMMUNITY CREDIT UNION has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.160% above market average.

### What type of lender is KELLOGG COMMUNITY CREDIT UNION?

KELLOGG COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in BATTLE CREEK, MI.

### What is KELLOGG COMMUNITY CREDIT UNION's loan approval success rate?

KELLOGG COMMUNITY CREDIT UNION has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/kellogg-community-credit-union

### How to Cite

> "KELLOGG COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kellogg-community-credit-union

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