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 score and performance metrics.

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 an overall pricing score of 72.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Kellogg Community Credit Union?

Kellogg Community Credit Union is a Credit Union headquartered in BATTLE CREEK, MI.

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Kellogg Community Credit Union

Credit Union•Battle Creek, MIHQ•Direct•Reviews near you on Google

Kellogg Community Credit Union has 198 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Kellogg Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+16.0 bps above market avg

4/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

196 loans · 0.16% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

124 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

Refinance

74 loans · 0.05% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Exceptional	196	99.0%	+0.160%Above	$926Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume196

Mix99.0%

Spread

+0.160%Above

Fees

$926Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	124	62.6%	+0.179%Above	$915Fees
Refinance	Exceptional	Strong	—	Exceptional	74	37.4%	+0.052%Above	$995Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume124

Mix62.6%

Spread

+0.179%Above

Fees

$915Fees

Refinance

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume74

Mix37.4%

Spread

+0.052%Above

Fees

$995Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

198

Applications

229

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.160%

vs. market APOR

Avg Net Fees

$926

Origination − Credits

Pullthrough Rate

86.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$162,323

Avg Borrower Income

$108,682

Avg Property Value

$236,616

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Battle Creek, MIMetro

Volume 113Mix 57.07% of portfolio

98/100

Exceptional

Kalamazoo, MIMetro

Volume 33Mix 16.67% of portfolio

63/100

Strong

Grand Rapids, MIMetro

Volume 19Mix 9.60% of portfolio

51/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 198Mix 100.00% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.