Omni Community Credit Union mortgage approval rate & lending review
Omni Community Credit Union decided 312 mortgage applications and funded 198 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Omni Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Omni Community Credit Union at a glance
Approval is 1.0 points below the 73.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 84 / 99 | 96% | $135K | 81 |
| Home improvement loans | 76% | 68 / 89 | 81% | $45K | 55 |
| Cash-out refinance | 54% | 49 / 90 | 84% | $65K | 41 |
Omni Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 73% | $65K | 301 | 190 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Omni Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Calhoun County, MI | Mortgage lenders | 84% | 69 | 55 |
| Calhoun County, MI | Cash-out refinance | 49% | 68 | 28 |
| Calhoun County, MI | Home improvement loans | 68% | 56 | 27 |
| Kalamazoo County, MI | Home improvement loans | 88% | 26 | 21 |
The county markets where Omni Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Omni Community Credit Union
What is Omni Community Credit Union's mortgage approval rate?
Omni Community Credit Union approved 72.8% of the 312 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points below the 73.8% national rate for the same mix of loan types.
How often do borrowers take the loan Omni Community Credit Union offers?
Borrowers accepted 87% of the loans Omni Community Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Omni Community Credit Union make?
The typical home purchase mortgage loan Omni Community Credit Union made was $135K; across all loan types its typical loan ran from $45K to $135K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Omni Community Credit Union lend?
Omni Community Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Michigan, Indiana and Florida.
Can I apply to Omni Community Credit Union directly?
Yes. Omni Community Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Omni Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Omni Community Credit Union treats applications, then get a rate quote from the lender.