Lenders › Mutual of Omaha Mortgage › North Carolina
Mutual of Omaha Mortgage in North Carolina
HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina 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 North Carolina, Mutual of Omaha Mortgage reported 1,574 applications and 948 originations for 2024, $282m in all.
Its denial rate in the state was 23.0%, close to the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its North Carolina originations was 0.3 percentage points (state median 0.2).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.0% | 24.0% | 25.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.5% | 11.8% | 6.6% | 15.6% |
| Average originated loan | $298k | $299k | $302k | $329k |
| Home purchase share | 41.4% | 56.3% | 37.8% | 57.0% |
| FHA-insured share | 47.4% | 11.8% | 49.3% | 13.4% |
| VA-guaranteed share | 10.3% | 11.8% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Carolina, all lenders
Loan purpose and loan type in North Carolina
By purpose
Home purchase 41% (392)Home improvement 2% (15)Refinancing 25% (240)Cash-out refinancing 20% (192)Other purpose 11% (109)
By type
Conventional 42% (400)FHA 47% (449)VA 10% (98)USDA 0% (1)
Denial reasons as coded
Share of 294 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 208 | 143 | $51m | 17.1% |
| Wake County | 151 | 104 | $40m | 17.2% |
| Union County | 67 | 49 | $24m | 16.9% |
| Buncombe County | 51 | 35 | $11m | 19.6% |
| Iredell County | 44 | 33 | $11m | 13.2% |
| Gaston County | 50 | 31 | $9.5m | 17.5% |
| Guilford County | 54 | 30 | $7.5m | 31.1% |
| Durham County | 47 | 28 | $8.0m | 17.9% |
| Cabarrus County | 45 | 28 | $9.2m | 17.6% |
| Onslow County | 38 | 28 | $7.4m | 11.8% |
| Craven County | 31 | 20 | $3.6m | 20.0% |
| Catawba County | 37 | 19 | $6.4m | 23.1% |
| Rowan County | 31 | 19 | $3.4m | — |
| Cumberland County | 48 | 17 | $3.4m | 41.4% |
| Forsyth County | 47 | 17 | $4.6m | 48.6% |
| Lincoln County | 25 | 16 | $5.9m | — |
| Johnston County | 27 | 15 | $3.7m | — |
| Brunswick County | 27 | 15 | $4.2m | — |
| New Hanover County | 32 | 13 | $3.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in North Carolina in 2024?
948 loans totalling $282m, from 1,574 applications reported for properties in North Carolina.
What is Mutual of Omaha Mortgage's denial rate in North Carolina?
23.0% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does Mutual of Omaha Mortgage lend in most?
By originations: Mecklenburg County (143), Wake County (104), Union County (49), Buncombe County (35), Iredell County (33).
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 North Carolina. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.