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Mutual of Omaha Mortgage in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia, Mutual of Omaha Mortgage reported 1,183 applications and 700 originations for 2024, $209m in all.
Its denial rate in the state was 25.8%, above the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 25.2%.
The median rate spread on its Virginia originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 47% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Mutual of Omaha Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.8% | 22.1% | 25.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.9% | 16.5% | 6.6% | 15.6% |
| Average originated loan | $298k | $352k | $302k | $329k |
| Home purchase share | 41.1% | 55.8% | 37.8% | 57.0% |
| FHA-insured share | 47.6% | 11.7% | 49.3% | 13.4% |
| VA-guaranteed share | 15.1% | 16.4% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 41% (288)Home improvement 1% (10)Refinancing 20% (141)Cash-out refinancing 28% (195)Other purpose 9% (66)
By type
Conventional 37% (259)FHA 48% (333)VA 15% (106)USDA 0% (2)
Denial reasons as coded
Share of 253 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fairfax County | 71 | 47 | $26m | 20.0% |
| Virginia Beach city | 64 | 39 | $10m | 30.5% |
| Chesterfield County | 62 | 32 | $7.6m | 34.6% |
| Prince William County | 61 | 31 | $14m | 36.7% |
| Henrico County | 44 | 31 | $7.9m | 26.2% |
| Newport News city | 44 | 30 | $7.1m | 15.4% |
| Loudoun County | 41 | 28 | $15m | 16.7% |
| Chesapeake city | 43 | 26 | $8.7m | 24.3% |
| Portsmouth city | 35 | 22 | $3.5m | 31.3% |
| Hampton city | 34 | 21 | $4.4m | 19.2% |
| Norfolk city | 33 | 20 | $5.5m | — |
| Richmond city | 31 | 20 | $6.9m | 16.0% |
| Spotsylvania County | 39 | 19 | $5.4m | 40.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mutual of Omaha Mortgage originate in Virginia in 2024?
700 loans totalling $209m, from 1,183 applications reported for properties in Virginia.
What is Mutual of Omaha Mortgage's denial rate in Virginia?
25.8% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does Mutual of Omaha Mortgage lend in most?
By originations: Fairfax County (47), Virginia Beach city (39), Chesterfield County (32), Prince William County (31), Henrico County (31).
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 Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.