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Mutual of Omaha Mortgage in California
HMDA record for properties in California, calendar year 2024. National record · California overview
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. Cells under 25 applications are withheld.
Mutual of Omaha Mortgage's 2024 HMDA record for California covers 2,254 applications, 1,398 of them originated, worth $618m.
Its denial rate in the state was 23.9%, close to the California rate of 24.8% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its California originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.9% | 24.8% | 25.2% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 19.9% | 6.6% | 15.6% |
| Average originated loan | $442k | $566k | $302k | $329k |
| Home purchase share | 19.2% | 51.2% | 37.8% | 57.0% |
| FHA-insured share | 66.5% | 11.4% | 49.3% | 13.4% |
| VA-guaranteed share | 4.4% | 4.8% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 19% (269)Home improvement 2% (31)Refinancing 53% (736)Cash-out refinancing 13% (181)Other purpose 13% (181)
By type
Conventional 29% (407)FHA 66% (929)VA 4% (62)
Denial reasons as coded
Share of 451 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 402 | 239 | $124m | 26.2% |
| San Diego County | 249 | 168 | $85m | 18.9% |
| Riverside County | 224 | 128 | $47m | 30.2% |
| Orange County | 128 | 91 | $50m | 14.5% |
| San Bernardino County | 155 | 89 | $29m | 28.2% |
| Sacramento County | 118 | 70 | $24m | 26.8% |
| Contra Costa County | 79 | 52 | $22m | 23.5% |
| Alameda County | 68 | 50 | $28m | 13.3% |
| Santa Clara County | 52 | 42 | $27m | 12.5% |
| Ventura County | 60 | 41 | $17m | 16.0% |
| San Joaquin County | 59 | 31 | $10m | 28.9% |
| Placer County | 42 | 29 | $12m | 9.1% |
| Marin County | 35 | 26 | $17m | 3.7% |
| Fresno County | 56 | 25 | $6.5m | 40.0% |
| San Mateo County | 32 | 24 | $16m | 20.0% |
| Kern County | 46 | 20 | $4.5m | 41.7% |
| Sonoma County | 31 | 19 | $8.3m | — |
| Monterey County | 26 | 19 | $8.1m | — |
| Solano County | 36 | 18 | $6.0m | 37.9% |
| Tulare County | 31 | 17 | $5.0m | 34.6% |
| Stanislaus County | 27 | 16 | $4.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in California in 2024?
1,398 loans totalling $618m, from 2,254 applications reported for properties in California.
What is Mutual of Omaha Mortgage's denial rate in California?
23.9% of decided applications in California were denied, against 24.8% for all lenders in the state and 25.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Mutual of Omaha Mortgage lend in most?
By originations: Los Angeles County (239), San Diego County (168), Riverside County (128), Orange County (91), San Bernardino County (89).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.