Mutual of Omaha Mortgage, Inc. mortgage approval rate & lending review
Mutual of Omaha Mortgage, Inc. decided 57,407 mortgage applications and funded 42,920 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mutual of Omaha Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to mutualmortgage.com.
Mutual of Omaha Mortgage, Inc. at a glance
Approval is 0.0 points below the 77.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 17,213 / 18,679 | 98% | $365K | 16,863 |
| Home improvement loans | 68% | 1,050 / 1,548 | 94% | $95K | 988 |
| Cash-out refinance | 57% | 11,339 / 19,801 | 95% | $255K | 10,745 |
| Refinance | 85% | 13,419 / 15,875 | 98% | $225K | 13,170 |
| Investment property purchase | 88% | 888 / 1,011 | 98% | $265K | 869 |
| Investment cash-out refinance | 55% | 170 / 308 | 96% | $185K | 164 |
| Investment refinance | 78% | 93 / 119 | 98% | $285K | 91 |
| Investment home improvement | 53% | 35 / 66 | 86% | $125K | 30 |
Mutual of Omaha Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 72% | $265K | 5,255 | 3,642 |
| California | 77% | $445K | 4,922 | 3,673 |
| Illinois | 81% | $315K | 3,297 | 2,596 |
| Texas | 80% | $255K | 3,274 | 2,560 |
| Ohio | 83% | $215K | 3,001 | 2,407 |
| North Carolina | 82% | $265K | 2,763 | 2,194 |
| Georgia | 73% | $275K | 2,456 | 1,716 |
| Arizona | 81% | $305K | 2,341 | 1,836 |
| New Jersey | 72% | $295K | 2,041 | 1,422 |
| Massachusetts | 73% | $365K | 1,858 | 1,327 |
| Washington | 79% | $385K | 1,791 | 1,382 |
| Pennsylvania | 72% | $205K | 1,715 | 1,202 |
| South Carolina | 79% | $245K | 1,675 | 1,294 |
| Colorado | 84% | $355K | 1,673 | 1,374 |
| Tennessee | 82% | $335K | 1,576 | 1,253 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mutual of Omaha Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 93% | 677 | 618 |
| Cook County, IL | Mortgage lenders | 92% | 677 | 605 |
| Los Angeles County, CA | Refinance | 83% | 556 | 454 |
| Maricopa County, AZ | Refinance | 89% | 415 | 364 |
| San Diego County, CA | Refinance | 88% | 343 | 298 |
| Stark County, OH | Mortgage lenders | 97% | 245 | 237 |
| Cuyahoga County, OH | Mortgage lenders | 92% | 266 | 233 |
| Franklin County, OH | Mortgage lenders | 93% | 248 | 231 |
| Orange County, CA | Refinance | 93% | 251 | 230 |
| Mecklenburg County, NC | Mortgage lenders | 93% | 231 | 208 |
| Maricopa County, AZ | Cash-out refinance | 57% | 380 | 199 |
| Riverside County, CA | Refinance | 85% | 235 | 199 |
The county markets where Mutual of Omaha Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Mutual of Omaha Mortgage, Inc.
What is Mutual of Omaha Mortgage, Inc.'s mortgage approval rate?
Mutual of Omaha Mortgage, Inc. approved 77.0% of the 57,407 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points below the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Mutual of Omaha Mortgage, Inc. offers?
Borrowers accepted 97% of the loans Mutual of Omaha Mortgage, Inc. approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mutual of Omaha Mortgage, Inc. make?
The typical cash-out refinance loan Mutual of Omaha Mortgage, Inc. made was $255K; across all loan types its typical loan ran from $95K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mutual of Omaha Mortgage, Inc. lend?
Mutual of Omaha Mortgage, Inc. decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, California and Illinois.
Can I apply to Mutual of Omaha Mortgage, Inc. directly?
Yes. Mutual of Omaha Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is mutualmortgage.com.
Does this page show Mutual of Omaha Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mutual of Omaha Mortgage, Inc. treats applications, then get a rate quote from the lender.