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MUTUAL OF OMAHA MORTGAGE, INC.
Independent Mortgage Company|WILMINGTON, DE|National
Loans Originated
11,542
Applications
20,121
Volume
$4 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.181%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,029
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
57.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Report Card
MUTUAL OF OMAHA MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$370,689
Average Borrower Income
$143,168
Average Property Value
$493,183
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 6,492 | 56.2% | +0.138% | $1,598 |
FHA Loans | Sound | Exceptional | Acceptable | Sound | 3,452 | 29.9% | +0.582% | $3,797 |
VA Loans | Strong | Exceptional | Sound | Strong | 1,471 | 12.7% | -0.235% | $2,767 |
Jumbo Loans | Sound | Sound | Strong | Acceptable | 92 | 0.8% | +0.209% | $990 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 35 | 0.3% | +0.146% | $2,217 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 6,619 | 57.3% | +0.183% | $1,816 |
Refinance | Strong | Exceptional | Sound | Sound | 4,923 | 42.7% | +0.175% | $3,112 |
Geographic Coverage
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWY
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 501Mix: 4.34%
Place Specialization
Strong
2
Lake County, IL, ILMSA
Volume: 90Mix: 0.78%
Place Specialization
Strong
3
Charlotte, NC-SCMSA
Volume: 260Mix: 2.25%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 218Mix: 1.89%
Place Specialization
Strong
5
Elgin, IL, ILMSA
Volume: 96Mix: 0.83%
Place Specialization
Strong
6
Columbus, OH, OHMSA
Volume: 181Mix: 1.57%
Place Specialization
Strong
7
Atlanta, GAMSA
Volume: 277Mix: 2.40%
Place Specialization
Strong
8
Cleveland, OH, OHMSA
Volume: 193Mix: 1.67%
Place Specialization
Strong
9
Phoenix, AZMSA
Volume: 336Mix: 2.91%
Place Specialization
Strong
10
Omaha, NE, NE-IAMSA
Volume: 124Mix: 1.07%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 810Mix: 7.02%
Place Specialization
Strong
2
NVState
Volume: 277Mix: 2.40%
Place Specialization
Strong
3
VAState
Volume: 445Mix: 3.86%
Place Specialization
Strong
4
OHState
Volume: 626Mix: 5.42%
Place Specialization
Strong
5
GAState
Volume: 564Mix: 4.89%
Place Specialization
Strong
6
TNState
Volume: 416Mix: 3.60%
Place Specialization
Strong
7
NJState
Volume: 346Mix: 3.00%
Place Specialization
Strong
8
SCState
Volume: 305Mix: 2.64%
Place Specialization
Strong
9
MAState
Volume: 345Mix: 2.99%
Place Specialization
Strong
10
FLState
Volume: 753Mix: 6.52%
Place Specialization
Strong
Showing 10 of 49 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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