Lenders › Mutual of Omaha Mortgage
Mutual of Omaha Mortgage
HMDA reporter, headquartered in Lombard, Illinois. Record for calendar year 2024.
HMDA data alone cannot be used 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. Figures are from the 2024 public HMDA loan/application register; cells under 25 applications are withheld.
In 2024, Mutual of Omaha Mortgage filed HMDA records for 33,991 applications and 19,951 originations in 49 states, worth $6.0bn.
Its denial rate, the share of decided applications the lender denied, was 25.2%, close to the national rate of 24.3% and below the Florida rate of 29.0%. 5,382 applications were withdrawn by the applicant and 1,084 files were closed for incompleteness; those are not counted in the denial rate.
The median rate spread on its originated loans, the difference between the loan's APR and the average prime offer rate, was 0.4 percentage points (national median 0.3); 6.6% of its originations had a spread of 1.5 points or more.
By loan purpose the originations were mostly home purchase (38%) and refinancing (26%); by loan type, FHA (49%) and conventional (42%).
The largest volumes were in Florida (1,534 originations), California (1,398 originations) and Texas (1,107 originations).
Applications were up 17% on 2023.
Compared with Florida and the nation
| Measure | This lender | Florida, all lenders | United States |
|---|---|---|---|
| Denial rate (denied ÷ decided applications) | 25.2% | 29.0% | 24.3% |
| Median rate spread, percentage points | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.6% | 16.4% | 15.6% |
| Average originated loan | $302k | $359k | $329k |
| Home purchase share of originations | 37.8% | 62.9% | 57.0% |
| FHA-insured share of originations | 49.3% | 17.7% | 13.4% |
| VA-guaranteed share of originations | 8.2% | 9.5% | 7.9% |
| Applications withdrawn by applicant | 15.8% | 15.9% | 14.3% |
Florida is the lender's largest state by applications. State and national columns cover every HMDA reporter. Rate spread is reported on originated loans only.
Trend by year
ApplicationsOriginations
This lenderFloridaUnited States
| Year | Applications | Originations | Amount | Denial rate | Median spread | LAR records |
|---|---|---|---|---|---|---|
| 2018 | — | — | — | — | — | 7,942 |
| 2019 | — | — | — | — | — | 45,177 |
| 2020 | — | — | — | — | — | 68,985 |
| 2021 | — | — | — | — | — | 72,864 |
| 2022 | 52,627 | 17,330 | $4.6bn | 40.2% | 0.6 | 52,654 |
| 2023 | 29,153 | 16,169 | $4.0bn | 30.8% | 0.6 | 29,943 |
| 2024 | 33,991 | 19,951 | $6.0bn | 25.2% | 0.4 | 34,393 |
Applications, originations and rates are computed from the public LAR for 2022, 2023, 2024; LAR record counts come from each year's transmittal sheet.
Loan purpose and loan type
By purpose
Home purchase 38% (7,547)Home improvement 2% (416)Refinancing 26% (5,167)Cash-out refinancing 23% (4,522)Other purpose 12% (2,299)
By type
Conventional 42% (8,446)FHA 49% (9,837)VA 8% (1,633)USDA 0% (35)
| Loan type | Applications | Originations | Denied | Denial rate (of applications) |
|---|---|---|---|---|
| Conventional | 12,799 | 8,446 | 1,880 | 14.7% |
| FHA-insured | 18,203 | 9,837 | 4,503 | 24.7% |
| VA-guaranteed | 2,928 | 1,633 | 552 | 18.9% |
| USDA Rural Housing Service or Farm Service Agency guaranteed | 61 | 35 | 9 | 14.8% |
Shares are of originated loans. The per-type denial rate here divides denials by all applications of that type, because decided counts are not kept per type.
Action taken
| HMDA action taken | Records | Share |
|---|---|---|
| 1 Loan originated | 19,951 | 58.0% |
| 2 Application approved but not accepted | 630 | 1.8% |
| 3 Application denied | 6,944 | 20.2% |
| 4 Application withdrawn by applicant | 5,382 | 15.6% |
| 5 File closed for incompleteness | 1,084 | 3.2% |
| 6 Purchased loan | 282 | 0.8% |
| 7 Preapproval request denied | 42 | 0.1% |
| 8 Preapproval request approved but not accepted | 78 | 0.2% |
Codes and labels are the HMDA action-taken codes. Applications are codes 1–5; the denial rate divides code 3 by codes 1–3.
Denial reasons as coded
Share of the lender's 6,944 denials by the first denial reason it coded (outlined bar: all lenders nationally). Lenders may record up to four reasons; only the first is counted here.
States
| State | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|
| Florida | 2,875 | 1,534 | $433m | 30.3% | 0.4 |
| California | 2,254 | 1,398 | $618m | 23.9% | 0.2 |
| Texas | 1,688 | 1,107 | $324m | 16.8% | 0.1 |
| Georgia | 1,671 | 947 | $265m | 25.9% | 0.4 |
| Illinois | 1,649 | 1,033 | $298m | 21.7% | 0.5 |
| Ohio | 1,624 | 981 | $222m | 21.8% | 0.5 |
| North Carolina | 1,574 | 948 | $282m | 23.0% | 0.3 |
| Virginia | 1,183 | 700 | $209m | 25.8% | 0.3 |
| Arizona | 1,084 | 719 | $245m | 19.5% | 0.2 |
| Tennessee | 1,080 | 682 | $191m | 20.2% | 0.6 |
| Pennsylvania | 1,060 | 540 | $117m | 32.0% | 0.6 |
| New Jersey | 1,009 | 558 | $205m | 29.2% | 0.2 |
| South Carolina | 912 | 561 | $148m | 22.3% | 0.4 |
| Massachusetts | 907 | 510 | $219m | 29.8% | 0.1 |
| Colorado | 902 | 661 | $267m | 16.1% | 0.1 |
| Michigan | 875 | 440 | $97m | 33.5% | 0.6 |
| Washington | 871 | 553 | $209m | 23.2% | 0.2 |
| Indiana | 825 | 433 | $97m | 29.6% | 0.6 |
| Missouri | 766 | 441 | $111m | 25.9% | 0.4 |
| Maryland | 754 | 420 | $137m | 27.5% | 0.3 |
| Nevada | 748 | 479 | $156m | 21.5% | 0.2 |
| Alabama | 556 | 283 | $63m | 29.5% | 0.6 |
| Oregon | 556 | 343 | $111m | 21.8% | 0.4 |
| Wisconsin | 545 | 301 | $76m | 30.5% | 0.5 |
| Connecticut | 499 | 260 | $82m | 34.3% | 0.4 |
| Minnesota | 484 | 280 | $86m | 25.0% | 0.2 |
| Idaho | 446 | 327 | $103m | 13.9% | 0.2 |
| Louisiana | 433 | 193 | $41m | 40.3% | 0.5 |
| Kentucky | 412 | 223 | $48m | 27.8% | 0.6 |
| Oklahoma | 411 | 213 | $45m | 29.8% | 0.6 |
| Nebraska | 359 | 232 | $59m | 19.5% | 0.4 |
| Kansas | 302 | 185 | $46m | 21.2% | 0.5 |
| Arkansas | 280 | 136 | $26m | 33.9% | 0.5 |
| New Mexico | 279 | 142 | $41m | 33.0% | 0.3 |
| Mississippi | 266 | 137 | $27m | 33.0% | 0.6 |
| Utah | 238 | 180 | $58m | 13.1% | 0.2 |
| Iowa | 213 | 117 | $26m | 28.6% | 0.6 |
| Maine | 198 | 104 | $29m | 27.7% | 0.4 |
| Montana | 185 | 127 | $45m | 18.1% | 0.1 |
| New Hampshire | 184 | 107 | $35m | 26.5% | 0.5 |
| Delaware | 153 | 83 | $23m | 21.9% | 0.4 |
| Wyoming | 121 | 67 | $18m | 34.3% | 0.4 |
| Rhode Island | 114 | 57 | $21m | 30.2% | 0.4 |
| Vermont | 90 | 33 | $8.6m | 39.0% | — |
| South Dakota | 87 | 47 | $13m | 31.4% | 0.5 |
| Hawaii | 76 | 37 | $20m | 30.9% | — |
| Alaska | 73 | 29 | $8.9m | 48.3% | — |
| District of Columbia | 70 | 41 | $20m | 28.1% | 0.2 |
| North Dakota | 44 | 19 | $5.5m | 32.3% | — |
States with at least 25 applications. States with 100 or more link to the lender's page for that state.
Counties
| County | State | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|---|
| Maricopa County | AZ | 721 | 490 | $186m | 16.9% |
| Clark County | NV | 577 | 363 | $118m | 22.9% |
| Cook County | IL | 593 | 358 | $113m | 22.5% |
| Los Angeles County | CA | 402 | 239 | $124m | 26.2% |
| Franklin County | OH | 262 | 185 | $49m | 14.6% |
| San Diego County | CA | 249 | 168 | $85m | 18.9% |
| Mecklenburg County | NC | 208 | 143 | $51m | 17.1% |
| Harris County | TX | 224 | 136 | $39m | 21.2% |
| Ada County | ID | 164 | 133 | $48m | 4.3% |
| Riverside County | CA | 224 | 128 | $47m | 30.2% |
| King County | WA | 175 | 125 | $62m | 16.6% |
| Cuyahoga County | OH | 210 | 124 | $28m | 19.0% |
| DuPage County | IL | 167 | 124 | $47m | 16.8% |
| Middlesex County | MA | 170 | 118 | $62m | 17.2% |
| Lake County | IL | 151 | 109 | $34m | 13.5% |
| Douglas County | NE | 160 | 107 | $30m | 18.0% |
| Wake County | NC | 151 | 104 | $40m | 17.2% |
| Hillsborough County | FL | 182 | 103 | $32m | 24.6% |
| Fulton County | GA | 163 | 100 | $35m | 19.2% |
| Pinellas County | FL | 160 | 99 | $30m | 19.0% |
| Will County | IL | 137 | 94 | $28m | 19.3% |
| Palm Beach County | FL | 181 | 92 | $31m | 32.1% |
| Cobb County | GA | 147 | 92 | $30m | 22.1% |
| Orange County | CA | 128 | 91 | $50m | 14.5% |
| Broward County | FL | 210 | 90 | $33m | 46.9% |
| Dallas County | TX | 130 | 90 | $32m | 16.7% |
| San Bernardino County | CA | 155 | 89 | $29m | 28.2% |
| Shelby County | TN | 138 | 87 | $25m | 16.2% |
| Greenville County | SC | 116 | 85 | $22m | 16.7% |
| Tarrant County | TX | 123 | 84 | $20m | 14.4% |
Up to 30 counties with at least 50 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in 2024?
19,951 loans totalling $6.0bn, from 33,991 applications reported under HMDA. It also purchased 282 loans from other institutions, which are counted separately.
What is Mutual of Omaha Mortgage's denial rate and how does it compare?
25.2% of decided applications were denied in 2024, against 24.3% nationally and 29.0% in Florida. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws; the data do not include some legitimate credit risk considerations.
Which counties does Mutual of Omaha Mortgage lend in most?
By originations: Maricopa County, AZ (490), Clark County, NV (363), Cook County, IL (358), Los Angeles County, CA (239) and Franklin County, OH (185).
What loan types does Mutual of Omaha Mortgage make?
Conventional 8,446, FHA 9,837, VA 1,633 and USDA 35 originations in 2024; by purpose, home purchase 7,547, home improvement 416, refinancing 5,167, cash-out refinancing 4,522 and other purpose 2,299.
What reasons did Mutual of Omaha Mortgage report for denials?
The first denial reason recorded most often was credit history (4,091), collateral (1,518) and unverifiable information (498), as coded by the lender in its HMDA filing.
Where does this data come from?
From the 2024 public HMDA loan/application register published by the FFIEC and CFPB, with the lender's name from its HMDA transmittal sheet. Cells under 25 applications are withheld.
Provenance
Source: Home Mortgage Disclosure Act public loan/application register for 2024 (trend years 2022, 2023, 2024) and transmittal sheets 2018–2024, published by the FFIEC and CFPB at ffiec.cfpb.gov, public domain. Lender identity is the LEI and name on its transmittal sheet. This site was built 30 Sep 2026. Errors in processing are corrected at the next build; see corrections. Data through 1 Aug 2026.