Mortgage lending in Kalamazoo-Portage, MI
6,165 mortgages were originated in the Kalamazoo-Portage, MI area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,165
- Median rate
- 6.750%
- Median lender fees
- $3,775
- Median loan amount
- $165,000
- Median spread over APOR
- 0.294
- Paid discount points
- 29.5%
- Received lender credits
- 17.6%
- Purchases / refinances
- 45.7% / 32.2%
- Conventional / FHA / VA
- 87.8% / 7% / 5.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kalamazoo-Portage, MI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CONSUMERS CREDIT UNION | 873 | $3,296 | 6.500% |
| LAKE MICHIGAN CREDIT UNION | 614 | $3,360 | 6.740% |
| ADVIA Federal Credit Union | 450 | — | 7.000% |
| Rocket Mortgage, LLC | 367 | $5,346 | 6.625% |
| ARBOR FINANCIAL CREDIT UNION | 345 | $3,633 | 7.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 251 | $5,059 | 6.499% |
| Fifth Third Bank, National Association | 211 | $2,476 | 7.500% |
| KALSEE CREDIT UNION | 176 | — | 6.750% |
| PNC Bank, National Association | 146 | — | 7.350% |
| The Huntington National Bank | 135 | $3,604 | 7.125% |