Applications / Mortgage Analytics / Lenders / California / Mutual of Omaha Mortgage
San Diego, CA · Independent non-bank lender · CFPB · 24,192 loans in 2025
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24,192
loans originated, 2025
41,758
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mutual of Omaha Mortgage is a refinance-led national lender whose FHA share is the highest among similar lenders, and it grew 21% in 2025, faster than the whole market.
Refinancing made up 54.5% of its 2025 loans and home purchases only 33.1%, with other-purpose loans at 10.5%. It grew 21%, against 12% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Five years before, when its typical rate was 3.00%, it made 35,537 loans; with refinancing this large a share, its volume may move with rates.
FHA loans (insured by the Federal Housing Administration) were 43.5% of its originations, the highest among similar lenders, whose typical share was 23.6%, and up from 12.3% five years before. Conventional loans fell to 45.3% from 76.2%.
LMI (low- and moderate-income) borrowers took 50.1% of its loans, higher than nearly all similar lenders, whose typical share was 29.7%, and up from 27.5% five years before. Its typical rate was 6.38%, lower than about nine in ten similar lenders.
It lent in 50 states and 2,021 counties but ranks no higher than 29th in its largest markets. In Charlotte-Concord-Gastonia, its share rose to 0.8% from 0.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mutual of Omaha Mortgage took 41,758 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.5% · Purchase 33.1% · Other 10.5% · Home improvement 1.8%
Conventional 45.3% · FHA 43.5% · VA 11.1% · USDA (RHS or FSA) 0.1% · of 24,192 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,845 | 7.6% |
| Florida | 1,510 | 6.2% |
| North Carolina | 1,387 | 5.7% |
| Ohio | 1,270 | 5.2% |
| Illinois | 1,245 | 5.1% |
| Texas | 1,178 | 4.9% |
| Georgia | 1,042 | 4.3% |
| Arizona | 855 | 3.5% |
| Virginia | 839 | 3.5% |
| Tennessee | 821 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 681 |
| Phoenix-Mesa-Chandler | 640 |
| Charlotte-Concord-Gastonia | 605 |
| Minneapolis-St. Paul-Bloomington | 520 |
| Atlanta-Sandy Springs-Roswell | 432 |
| Las Vegas-Henderson-North Las Vegas | 359 |
| Denver-Aurora-Centennial | 332 |
| Nashville-Davidson--Murfreesboro--Franklin | 329 |
| Los Angeles-Long Beach-Glendale | 324 |
| Dallas-Plano-Irving | 306 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OPCWU6E72WUT29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877479 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7461728831 |
Established 9 January 2013. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Mutual of Omaha Mortgage's data.
Mutual of Omaha Mortgage's data
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