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Mutual of Omaha Mortgage in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois 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.
In Illinois, Mutual of Omaha Mortgage reported 1,649 applications and 1,033 originations for 2024, $298m in all.
Its denial rate in the state was 21.7%, close to the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its Illinois originations was 0.5 percentage points (state median 0.5).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.7% | 23.3% | 25.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.5% | 15.4% | 6.6% | 15.6% |
| Average originated loan | $289k | $273k | $302k | $329k |
| Home purchase share | 59.7% | 61.1% | 37.8% | 57.0% |
| FHA-insured share | 31.1% | 10.7% | 49.3% | 13.4% |
| VA-guaranteed share | 5.0% | 4.9% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 60% (617)Home improvement 1% (13)Refinancing 13% (138)Cash-out refinancing 17% (179)Other purpose 8% (86)
By type
Conventional 64% (657)FHA 31% (321)VA 5% (52)USDA 0% (3)
Denial reasons as coded
Share of 295 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cook County | 593 | 358 | $113m | 22.5% |
| DuPage County | 167 | 124 | $47m | 16.8% |
| Lake County | 151 | 109 | $34m | 13.5% |
| Will County | 137 | 94 | $28m | 19.3% |
| Kane County | 103 | 77 | $24m | 10.9% |
| McHenry County | 67 | 40 | $9.9m | 23.2% |
| Madison County | 56 | 31 | $5.5m | 25.6% |
| Kendall County | 38 | 28 | $7.5m | 20.0% |
| Winnebago County | 28 | 14 | $2.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in Illinois in 2024?
1,033 loans totalling $298m, from 1,649 applications reported for properties in Illinois.
What is Mutual of Omaha Mortgage's denial rate in Illinois?
21.7% of decided applications in Illinois were denied, against 23.3% 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 Illinois counties does Mutual of Omaha Mortgage lend in most?
By originations: Cook County (358), DuPage County (124), Lake County (109), Will County (94), Kane County (77).
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 Illinois. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.