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Mutual of Omaha Mortgage in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio, Mutual of Omaha Mortgage reported 1,624 applications and 981 originations for 2024, $222m in all.
Its denial rate in the state was 21.8%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its Ohio originations was 0.5 percentage points (state median 0.5).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.8% | 23.5% | 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 | 9.2% | 17.7% | 6.6% | 15.6% |
| Average originated loan | $226k | $218k | $302k | $329k |
| Home purchase share | 54.7% | 51.7% | 37.8% | 57.0% |
| FHA-insured share | 43.3% | 12.3% | 49.3% | 13.4% |
| VA-guaranteed share | 7.2% | 5.9% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 55% (537)Home improvement 2% (18)Refinancing 15% (145)Cash-out refinancing 18% (179)Other purpose 10% (102)
By type
Conventional 49% (482)FHA 43% (425)VA 7% (71)USDA 0% (3)
Denial reasons as coded
Share of 282 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 262 | 185 | $49m | 14.6% |
| Cuyahoga County | 210 | 124 | $28m | 19.0% |
| Stark County | 94 | 61 | $11m | 17.3% |
| Lake County | 63 | 53 | $10m | 7.0% |
| Delaware County | 63 | 48 | $17m | 7.4% |
| Summit County | 79 | 47 | $11m | 21.3% |
| Hamilton County | 78 | 38 | $8.2m | 35.5% |
| Lorain County | 67 | 36 | $8.4m | 30.8% |
| Montgomery County | 49 | 25 | $4.2m | 26.5% |
| Medina County | 38 | 25 | $7.7m | 13.8% |
| Butler County | 47 | 24 | $5.5m | 26.5% |
| Licking County | 36 | 22 | $4.6m | 26.7% |
| Fairfield County | 31 | 21 | $6.3m | 15.4% |
| Lucas County | 34 | 18 | $2.4m | — |
| Trumbull County | 33 | 16 | $2.0m | 32.0% |
| Mahoning County | 25 | 9 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in Ohio in 2024?
981 loans totalling $222m, from 1,624 applications reported for properties in Ohio.
What is Mutual of Omaha Mortgage's denial rate in Ohio?
21.8% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Mutual of Omaha Mortgage lend in most?
By originations: Franklin County (185), Cuyahoga County (124), Stark County (61), Lake County (53), Delaware County (48).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.