Mutual of Omaha Mortgage Mortgage Lending & HMDA Data, 2025
In 2025, Mutual of Omaha Mortgage of Lombard, IL reported 42,096 mortgage applications totaling $12.8 billion, up 22% from 2024. The average application was for $304,227, and applicants reported an average income of $102,447. 57% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Naperville, IL (1,075), Phoenix-Mesa-Scottsdale, AZ (939) and Charlotte-Concord-Gastonia, NC-SC (887) (applications in parentheses).
| Mortgage Company & Address | Mutual of Omaha Mortgage Lombard, IL 60148 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 42,096 |
| Total Mortgage Loan Application Amount | $12,806,780,000 |
| Average Mortgage Loan Application Amount | $304,227 |
| Highest Mortgage Loan Application Amount | $5,605,000 |
| Average Applicant Income | $102,447 |
| Highest Applicant Income | $5,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mutual of Omaha Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Mutual of Omaha Mortgage in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 15,146 | $4,376,910,000 | $288,000 | $2,005,000 | $97,000 | $3,000,000 |
| Home Purchase | 10,352 | $3,973,510,000 | $383,000 | $2,385,000 | $157,000 | $5,000,000 |
| Refinancing | 9,805 | $3,297,925,000 | $336,000 | $5,605,000 | $79,000 | $3,353,000 |
| Other Purpose | 5,816 | $1,027,770,000 | $176,000 | $3,945,000 | $63,000 | $4,882,000 |
| Home Improvement | 977 | $130,665,000 | $133,000 | $1,945,000 | $79,000 | $2,598,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 27,493 | $8,121,025,000 | $295,000 | $5,605,000 | $99,000 | $5,000,000 |
| Not Provided | 6,478 | $2,137,160,000 | $329,000 | $5,195,000 | $113,000 | $2,176,000 |
| Black or African American | 3,728 | $933,020,000 | $250,000 | $1,595,000 | $82,000 | $1,380,000 |
| Hispanic | 2,688 | $876,580,000 | $326,000 | $2,945,000 | $108,000 | $2,447,000 |
| Asian | 1,386 | $642,540,000 | $463,000 | $2,165,000 | $165,000 | $1,440,000 |
| American Indian or Alaskan Native | 237 | $64,385,000 | $271,000 | $785,000 | $102,000 | $433,000 |
| Native Hawaiian or Other Pacific Islander | 86 | $32,070,000 | $372,000 | $1,025,000 | $102,000 | $276,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 20,317 | $4,939,595,000 | $243,000 | $3,615,000 | $67,000 | $2,909,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 16,873 | $5,960,695,000 | $353,000 | $5,605,000 | $142,000 | $5,000,000 |
| VA-guaranteed (Veterans Administration) | 4,845 | $1,892,905,000 | $390,000 | $2,325,000 | $116,000 | $2,447,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $13,585,000 | $222,000 | $455,000 | $82,000 | $147,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 24,192 | $7,809,320,000 | $322,000 | $5,605,000 | $112,000 | $5,000,000 |
| Application Withdrawn By Applicant | 7,837 | $2,308,095,000 | $294,000 | $4,005,000 | $99,000 | $3,000,000 |
| Application Denied By Financial Institution | 7,337 | $1,914,265,000 | $260,000 | $2,985,000 | $79,000 | $2,909,000 |
| File Closed For Incompleteness | 1,406 | $354,390,000 | $252,000 | $4,005,000 | $84,000 | $1,186,000 |
| Application Approved But Not Accepted | 986 | $309,780,000 | $314,000 | $2,945,000 | $115,000 | $1,511,000 |
| Loan Purchased By The Institution | 240 | $73,440,000 | $306,000 | $825,000 | $74,000 | $317,000 |
| Preapproval Approved but not Accepted | 62 | $25,740,000 | $415,000 | $1,925,000 | $140,000 | $402,000 |
| Preapproval Denied by Financial Institution | 36 | $11,750,000 | $326,000 | $855,000 | $98,000 | $305,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 34,723 | $10,880,765,000 | $313,000 | $5,605,000 | $107,000 | $5,000,000 |
| Credit History | 4,386 | $1,219,430,000 | $278,000 | $2,985,000 | $78,000 | $1,800,000 |
| Collateral | 1,501 | $343,585,000 | $228,000 | $1,645,000 | $84,000 | $2,909,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 519 | $102,505,000 | $197,000 | $1,445,000 | $46,000 | $514,000 |
| Unverifiable Information | 424 | $135,510,000 | $319,000 | $2,005,000 | $127,000 | $1,842,000 |
| Other | 235 | $59,685,000 | $253,000 | $805,000 | $80,000 | $595,000 |
| Debt-To-Income Ratio | 169 | $33,485,000 | $198,000 | $1,145,000 | $54,000 | $721,000 |
| Credit Application Incomplete | 106 | $23,900,000 | $225,000 | $2,435,000 | $62,000 | $415,000 |
| Employment History | 33 | $7,915,000 | $239,000 | $515,000 | $80,000 | $201,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Mortgage's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Mutual of Omaha Mortgage's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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