Mutual of Omaha Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Mutual of Omaha Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: MUTUAL OF OMAHA MORTGAGE, INC. · LEI 549300OPCWU6E72WUT29
In 2025, Mutual of Omaha Mortgage, Inc. originated 14,833 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 35th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,840, 5% higher than the national median ($5,570).
It denied 5.3% of completed home-purchase applications (all lenders: 8.5%).
How Mutual of Omaha Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Mutual of Omaha Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.11 pts | +0.13 pts |
| Total loan costs · conventional | $5,840 | $5,570 |
| Total loan costs · FHA | $11,970 | $11,310 |
| Total loan costs · VA | $7,430 | $6,490 |
| Origination charges (all types) | $1,910 | $1,860 |
| Borrowers paying discount points | 57.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.67% | 0.87% |
| Borrowers receiving lender credits | 44.2% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Mutual of Omaha Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Mutual of Omaha Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 960 | 1,152 | 4.5% | 6.875% | $6,520 |
| North Carolina | 928 | 1,153 | 3.7% | 6.490% | $5,380 |
| Ohio | 900 | 1,109 | 3.1% | 6.750% | $5,930 |
| Florida | 694 | 1,032 | 8.8% | 6.490% | $7,010 |
| Georgia | 678 | 987 | 5.3% | 6.625% | $6,340 |
| Texas | 650 | 803 | 4.5% | 6.625% | $6,650 |
| Minnesota | 554 | 634 | 1.8% | 6.625% | $5,500 |
| Virginia | 553 | 759 | 5.2% | 6.625% | $5,090 |
| California | 548 | 894 | 6.0% | 6.375% | $6,490 |
| Tennessee | 532 | 675 | 5.3% | 6.500% | $5,680 |
| Arizona | 505 | 632 | 4.2% | 6.625% | $6,260 |
| New Jersey | 466 | 686 | 6.8% | 6.490% | $6,440 |
| Massachusetts | 439 | 618 | 6.6% | 6.490% | $4,950 |
| Missouri | 424 | 580 | 6.3% | 6.490% | $3,790 |
| Washington | 419 | 587 | 4.3% | 6.500% | $7,050 |
| Indiana | 415 | 601 | 8.8% | 6.625% | $3,350 |
| South Carolina | 390 | 520 | 6.3% | 6.875% | $5,980 |
| Colorado | 356 | 444 | 4.2% | 6.375% | $4,210 |
| Pennsylvania | 353 | 533 | 12.5% | 6.500% | $6,290 |
| Michigan | 337 | 473 | 8.2% | 6.625% | $4,640 |
| Maryland | 330 | 479 | 5.1% | 6.500% | $6,050 |
| Nevada | 325 | 452 | 4.7% | 6.625% | $5,930 |
| Wisconsin | 268 | 367 | 9.8% | 6.750% | $4,230 |
| Alabama | 253 | 362 | 5.7% | 6.625% | $5,200 |
| Oregon | 232 | 309 | 9.5% | 6.375% | $7,180 |
| Connecticut | 214 | 317 | 11.1% | 6.625% | $5,790 |
| Kentucky | 207 | 286 | 1.8% | 6.875% | $4,710 |
| Nebraska | 200 | 241 | 5.9% | 6.490% | $3,550 |
| Arkansas | 175 | 235 | 3.3% | 6.625% | $4,510 |
| Oklahoma | 170 | 237 | 5.2% | — | $4,220 |
| Kansas | 154 | 189 | 3.5% | 6.490% | $3,630 |
| Louisiana | 145 | 227 | 10.9% | 6.625% | $5,990 |
| Iowa | 108 | 169 | 10.0% | — | — |
| New Mexico | 103 | 158 | 0.0% | — | — |
| Idaho | 91 | 127 | 2.6% | 6.500% | $5,650 |
| New Hampshire | 86 | 116 | 4.2% | 6.490% | $4,350 |
| Utah | 84 | 108 | 0.0% | — | — |
| Montana | 77 | 90 | 0.0% | — | — |
| Maine | 76 | 112 | — | — | — |
| Mississippi | 75 | 122 | — | — | — |
| Rhode Island | 57 | 92 | — | — | — |
| Delaware | 53 | 69 | — | — | — |
| Wyoming | 52 | 89 | — | — | — |
| Alaska | 42 | 65 | — | — | — |
| Vermont | 40 | 51 | — | — | — |
| South Dakota | 31 | 49 | — | — | — |
| District of Columbia | 26 | 37 | — | — | — |
| Hawaii | 23 | 30 | — | — | — |
| North Dakota | 20 | 34 | — | — | — |
| West Virginia | 15 | 16 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Mutual of Omaha Mortgage, Inc.'s page for that state.
Counties where Mutual of Omaha Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Roger Mills County, OK | 3 | 1 | 12.5% |
| Wilkinson County, GA | 1 | 7 | 11.1% |
| Prince of Wales-Hyder Census Area, AK | 9 | 1 | 8.3% |
| Wheatland County, MT | 10 | 1 | 7.7% |
| Baldwin County, GA | 2 | 19 | 6.6% |
| Perkins County, NE | 5 | 2 | 6.3% |
| Red Lake County, MN | 9 | 2 | 5.1% |
| Deuel County, NE | 11 | 1 | 4.5% |
| Beaver County, OK | 12 | 1 | 4.5% |
| Cameron County, PA | 7 | 1 | 4.3% |
| Sedgwick County, CO | 14 | 1 | 4.2% |
| Conejos County, CO | 8 | 1 | 4.0% |
| Lafayette County, FL | 16 | 1 | 4.0% |
| Scott County, KS | 16 | 1 | 4.0% |
| Washita County, OK | 7 | 3 | 3.9% |
Check Mutual of Omaha Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300OPCWU6E72WUT29.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Mutual of Omaha Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology