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Mutual of Omaha Mortgage in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee 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 Tennessee covers 1,080 applications, 682 of them originated, worth $191m.
Its denial rate in the state was 20.2%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its Tennessee originations was 0.6 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.2% | 22.6% | 25.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.5% | 14.7% | 6.6% | 15.6% |
| Average originated loan | $280k | $302k | $302k | $329k |
| Home purchase share | 45.3% | 55.5% | 37.8% | 57.0% |
| FHA-insured share | 47.4% | 15.5% | 49.3% | 13.4% |
| VA-guaranteed share | 8.5% | 10.0% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 45% (309)Home improvement 2% (15)Refinancing 19% (131)Cash-out refinancing 23% (160)Other purpose 10% (67)
By type
Conventional 44% (297)FHA 47% (323)VA 9% (58)USDA 1% (4)
Denial reasons as coded
Share of 178 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Shelby County | 138 | 87 | $25m | 16.2% |
| Davidson County | 120 | 78 | $28m | 16.2% |
| Knox County | 89 | 57 | $16m | 18.1% |
| Montgomery County | 50 | 35 | $9.2m | 14.0% |
| Rutherford County | 42 | 29 | $7.0m | 18.9% |
| Hamilton County | 42 | 28 | $7.1m | 21.1% |
| Williamson County | 43 | 27 | $22m | 15.6% |
| Wilson County | 32 | 23 | $8.4m | 20.0% |
| Cumberland County | 25 | 17 | $2.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in Tennessee in 2024?
682 loans totalling $191m, from 1,080 applications reported for properties in Tennessee.
What is Mutual of Omaha Mortgage's denial rate in Tennessee?
20.2% of decided applications in Tennessee were denied, against 22.6% 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 Tennessee counties does Mutual of Omaha Mortgage lend in most?
By originations: Shelby County (87), Davidson County (78), Knox County (57), Montgomery County (35), Rutherford County (29).
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 Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.