Name of the lender

OMNI Community Credit Union in MichiganMortgage rates, total loan costs and denial rate for homes in Michigan, 2025

HMDA year2025

StateMichigan

Head office: Battle Creek, MI
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

All states of this lender

OMNI Community Credit Union reported 590 applications for homes in Michigan in the HMDA data of 2025.

It originated 254 loans in the state in 2025, for $25.3 million in total.

The median interest rate of these loans in 2025 was 6.375%, and the median of all lenders in Michigan was 6.599%.

The median total loan costs in 2025 were $3,383, and the state median was $4,527.

It denied 36.6% of the applications that it decided in the state in 2025, and the state denial rate was 22.6%.

Filed figures of OMNI Community Credit Union in Michigan, 2025
Figure	In MI	Lender, all states	MI, all lenders
Applications	590	617	383,226
Loans originated	254	262	229,505
Median interest rate	6.375%	6.500%	6.599%
Median total loan costs	$3,383	$3,383	$4,527
Denial rate	36.6%	36.9%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in MI

Pricing medians of OMNI Community Credit Union in Michigan, 2025Each value has the median of all lenders in Michigan under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in MI	77	6.375%MI 6.599%	$3,383MI $4,527	$1,408MI $1,790	$686MI $1,736	n/aMI $500	0.333MI 0.307

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.333 percentage points above the average prime offer rate. On a loan of $300,000, that is about $999 more a year, or $83 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Michigan by the action taken
Action taken	Records	Share
1Loan originated	254	43.1%
2Application approved but not accepted	40	6.8%
3Application denied	170	28.8%
4Application withdrawn by applicant	39	6.6%
5File closed for incompleteness	87	14.7%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Michigan by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	582	254	35.8%
FHA-insured	7	0	n/a
USDA Rural Housing Service or Farm Service Agency guaranteed	1	0	n/a

Counties in Michigan

Counties of OMNI Community Credit Union in Michigan with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Calhoun County	207	97	$9.0 million	36.2%
Kalamazoo County	67	30	$3.6 million	37.5%
St. Joseph County	218	85	$8.0 million	35.0%

Figures by year

OMNI Community Credit Union in Michigan by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	590	254	$25.3 million	6.375%	$3,383	36.6%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "OMNI Community Credit Union (LEI 254900W66Q1214MV8X83) in MI", https://lenderregister.com/lender/254900w66q1214mv8x83-omni-community-credit-union/mi/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Michigan. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of OMNI Community Credit Union were in Michigan in 2025?: 254 of its loans originated, out of 262 in all states. That is 96.9%.
In which counties of Michigan did OMNI Community Credit Union originate the most loans in 2025?: The three with the most loans were Calhoun County (97), St. Joseph County (85) and Kalamazoo County (30).
Which loan types did OMNI Community Credit Union originate in Michigan in 2025?: All its loans in the state were of one type: 254 conventional.
What share of the applications in Michigan did OMNI Community Credit Union report in 2025?: 0.2%: 590 out of 383,226 applications of all lenders in the state.