# MUTUAL OF OMAHA MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/mutual-of-omaha-mortgage

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

MUTUAL OF OMAHA MORTGAGE, INC. is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 11,542 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300OPCWU6E72WUT29
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 93.1%
- **Brokered/Wholesale:** 6.9%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.181%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,029
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,542
- **Dollar Volume:** $4.3 billion
- **Applications Received:** 20,121
- **Market Share:** 32.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,689
- **Average Borrower Income:** $143,168

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 6,492 | +0.138% | $1,598 | Strong 😀 |
| FHA | 84/100 | 3,452 | +0.582% | $3,797 | Exceptional 🤩 |
| VA | 83/100 | 1,471 | -0.235% | $2,767 | Exceptional 🤩 |
| Jumbo | 56/100 | 92 | +0.209% | $990 | Sound ☺️ |
| USDA | 55/100 | 35 | +0.146% | $2,217 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,854 loans, Score: 76/100 (Strong)
- Refinance: 1,638 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 960 loans, Score: 79/100 (Strong)
- Refinance: 2,492 loans, Score: 91/100 (Exceptional)

**VA:**
- Purchase: 697 loans, Score: 80/100 (Exceptional)
- Refinance: 774 loans, Score: 89/100 (Exceptional)

**Jumbo:**
- Purchase: 73 loans, Score: 54/100 (Sound)

**USDA:**
- Purchase: 35 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 6,619 | $2.8B | +0.183% | Strong 😀 |
| Refinance | 82/100 | 4,923 | $1.5B | +0.175% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 810 | 0.65% | 79/100 |
| FL | 753 | 0.26% | 71/100 |
| OH | 626 | 0.46% | 74/100 |
| GA | 564 | 0.41% | 74/100 |
| TX | 544 | 0.16% | 69/100 |
| NC | 541 | 0.37% | 71/100 |
| VA | 445 | 0.41% | 75/100 |
| CA | 443 | 0.16% | 65/100 |
| TN | 416 | 0.46% | 73/100 |
| AZ | 391 | 0.39% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,208 | 76/100 |
| Chicago | IL | 501 | 76/100 |
| Phoenix | AZ | 336 | 71/100 |
| Atlanta | GA | 277 | 71/100 |
| Charlotte | NC-SC | 260 | 74/100 |
| Denver | CO | 226 | 69/100 |
| Las Vegas | NV | 218 | 74/100 |
| Cleveland, OH | OH | 193 | 71/100 |
| Columbus, OH | OH | 181 | 71/100 |
| Dallas | TX | 167 | 65/100 |
| Minneapolis | MN-WI | 167 | 65/100 |
| Kansas City, MO | MO-KS | 166 | 66/100 |
| Virginia Beach | VA-NC | 148 | 68/100 |
| Houston | TX | 139 | 62/100 |
| St. Louis, MO | MO-IL | 136 | 66/100 |

## Frequently Asked Questions

### What loan types does MUTUAL OF OMAHA MORTGAGE, INC. offer?

MUTUAL OF OMAHA MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MUTUAL OF OMAHA MORTGAGE, INC. offer mortgages?

MUTUAL OF OMAHA MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are MUTUAL OF OMAHA MORTGAGE, INC.'s mortgage rates?

MUTUAL OF OMAHA MORTGAGE, INC. has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.181% above market average.

### What type of lender is MUTUAL OF OMAHA MORTGAGE, INC.?

MUTUAL OF OMAHA MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is MUTUAL OF OMAHA MORTGAGE, INC.'s loan approval success rate?

MUTUAL OF OMAHA MORTGAGE, INC. has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mutual-of-omaha-mortgage

### How to Cite

> "MUTUAL OF OMAHA MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mutual-of-omaha-mortgage

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