Applications / Mortgage Analytics / Lenders / Michigan / OMNI Community Credit Union
Battle Creek, MI · Credit union · NCUA · 262 loans in 2025
OMNI Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
262
loans originated, 2025
617
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OMNI Community Credit Union filed its first HMDA report in 2025 and already ranks 17 of 209 lenders in Battle Creek, MI, with 262 mostly small loans.
2025 is its first report, so there is no earlier year to compare. Its 262 loans were close to the 265 of the typical similar lender (credit unions making between half and twice as many loans). The figures do not show what it lent before 2025.
Refinances made up 38.9% of its loans, home improvement 22.9% and other purposes 21.4%; all were conventional. Its typical loan was $75,000, against $105,000 at peers, smaller than at nearly nine in ten. Its weight in home-improvement and other-purpose loans may explain the smaller size.
Borrowers with low or moderate incomes (LMI) took 34.7% of its loans, against 27.6% at peers, more than at about seven in ten. Majority-minority areas took 2.7%, against 12.8%. Its lending sits mostly in Michigan, and the areas it serves may have few such neighborhoods.
In Battle Creek, MI it took 1.6% of the market. Rocket Mortgage led, followed by Marshall Community Credit Union and Kellogg Community Credit Union. In Kalamazoo-Portage, MI it ranked 54 of 281 with 0.3%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OMNI Community Credit Union took 617 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.9% · Home improvement 22.9% · Other 21.4% · Purchase 16.8%
Conventional 100.0% · of 262 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 254 | 96.9% |
| Indiana | 7 | 2.7% |
| Minnesota | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Battle Creek | 97 |
| Kalamazoo-Portage | 30 |
| Grand Rapids-Wyoming-Kentwood | 9 |
| South Bend-Mishawaka | 8 |
| Lansing-East Lansing | 3 |
| Elkhart-Goshen | 2 |
| Jackson | 2 |
| Ann Arbor | 1 |
| Fort Wayne | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W66Q1214MV8X83 | 2025–2025 |
Established date not on record. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: OMNI Community Credit Union's data.
OMNI Community Credit Union's data
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OMNI Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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