# OMNI COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/omni-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


OMNI COMMUNITY CREDIT UNION is a credit union, headquartered in Battle Creek, MI, serving borrowers across 3 states, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900W66Q12I4MV8X83
- **Headquarters:** Battle Creek, MI
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IN, MI, SC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.483%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,698
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $15 million
- **Applications Received:** 228
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $145,490
- **Average Borrower Income:** $72,559
- **Average Property Value:** $214,608

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 99 | +0.486% | $1,694 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 66 loans, Score: 46/100 (Sound)
- Refinance: 33 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 69 | $11M | +0.493% | Sound ☺️ |
| Refinance | 36/100 | 33 | $4M | +0.461% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 98 | 0.09% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 43 | 48/100 |
| Battle Creek, MI | MI | 34 | 73/100 |
| Kalamazoo | MI | 13 | 49/100 |

## Where This Lender Ranks

OMNI COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Battle Creek, MI Credit Unions
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Battle Creek, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Kalamazoo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Battle Creek, MI
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders)

## Frequently Asked Questions

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

OMNI 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 OMNI COMMUNITY CREDIT UNION offer mortgages?

OMNI COMMUNITY CREDIT UNION offers mortgages in 3 states: IN, MI, SC.

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

OMNI COMMUNITY CREDIT UNION has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.483% above market average.

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

OMNI COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Battle Creek, MI.

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

OMNI COMMUNITY CREDIT UNION has a pull-through score of 23/100 (Acceptable). 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:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/omni-community-credit-union

### How to Cite

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

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