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Mutual of Omaha Mortgage in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida covers 2,875 applications, 1,534 of them originated, worth $433m.
Its denial rate in the state was 30.3%, close to the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its Florida originations was 0.4 percentage points (state median 0.3).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.3% | 29.0% | 25.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.2% | 16.4% | 6.6% | 15.6% |
| Average originated loan | $282k | $359k | $302k | $329k |
| Home purchase share | 32.7% | 62.9% | 37.8% | 57.0% |
| FHA-insured share | 53.7% | 17.7% | 49.3% | 13.4% |
| VA-guaranteed share | 8.3% | 9.5% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 33% (502)Home improvement 3% (40)Refinancing 29% (451)Cash-out refinancing 20% (307)Other purpose 15% (234)
By type
Conventional 38% (583)FHA 54% (824)VA 8% (127)
Denial reasons as coded
Share of 693 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 182 | 103 | $32m | 24.6% |
| Pinellas County | 160 | 99 | $30m | 19.0% |
| Palm Beach County | 181 | 92 | $31m | 32.1% |
| Broward County | 210 | 90 | $33m | 46.9% |
| Miami-Dade County | 158 | 74 | $28m | 39.2% |
| Pasco County | 116 | 72 | $19m | 23.7% |
| Polk County | 119 | 65 | $15m | 34.3% |
| Lee County | 115 | 59 | $16m | 29.1% |
| Charlotte County | 108 | 58 | $19m | 28.2% |
| Orange County | 116 | 56 | $15m | 31.5% |
| Duval County | 98 | 54 | $11m | 29.6% |
| Manatee County | 75 | 53 | $18m | 21.7% |
| Volusia County | 95 | 49 | $12m | 36.7% |
| Brevard County | 80 | 48 | $12m | 17.7% |
| Marion County | 86 | 47 | $9.2m | 32.4% |
| Hernando County | 70 | 41 | $12m | 27.9% |
| Lake County | 66 | 37 | $9.2m | 22.4% |
| Sarasota County | 64 | 36 | $11m | 25.5% |
| St. Lucie County | 66 | 31 | $7.3m | 37.3% |
| Seminole County | 60 | 30 | $9.6m | 29.5% |
| Collier County | 51 | 27 | $8.3m | 32.5% |
| St. Johns County | 46 | 27 | $8.6m | 21.6% |
| Escambia County | 47 | 26 | $7.0m | 33.3% |
| Citrus County | 52 | 24 | $4.6m | 41.5% |
| Osceola County | 48 | 24 | $5.8m | 28.6% |
| Okaloosa County | 28 | 20 | $3.9m | — |
| Martin County | 28 | 18 | $5.9m | 29.6% |
| Highlands County | 29 | 17 | $2.4m | — |
| Flagler County | 38 | 16 | $3.8m | 26.9% |
| Santa Rosa County | 31 | 16 | $3.7m | — |
| Clay County | 27 | 15 | $3.7m | — |
| Indian River County | 27 | 14 | $2.6m | — |
| Alachua County | 25 | 13 | $3.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in Florida in 2024?
1,534 loans totalling $433m, from 2,875 applications reported for properties in Florida.
What is Mutual of Omaha Mortgage's denial rate in Florida?
30.3% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Mutual of Omaha Mortgage lend in most?
By originations: Hillsborough County (103), Pinellas County (99), Palm Beach County (92), Broward County (90), Miami-Dade County (74).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.