Mutual of Omaha Mortgage
Mutual of Omaha Mortgage's 11.5k closed loans and 20k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
VA
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
Mutual of Omaha Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+18.1 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
6,492 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
FHA
3,452 loans · 0.58% above market
Exceptional
Top 20% of lenders
5/5
VA
1,471 loans · 0.23% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
92 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
USDA
35 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
6,619 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
Refinance
4,923 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,492 | 56.2% | +0.138%Above | $1,598Fees | ||||
FHA Loans | 3,452 | 29.9% | +0.582%Above | $3,797Fees | ||||
VA Loans | 1,471 | 12.7% | -0.235%Below | $2,767Fees | ||||
Jumbo Loans | 92 | 0.8% | +0.209%Above | $990Fees | ||||
USDA Loans | — | 35 | 0.3% | +0.146%Above | $2,217Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume6,492
Mix56.2%
Spread
+0.138%Above
Fees
$1,598Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume3,452
Mix29.9%
Spread
+0.582%Above
Fees
$3,797Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,471
Mix12.7%
Spread
-0.235%Below
Fees
$2,767Fees
Jumbo Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume92
Mix0.8%
Spread
+0.209%Above
Fees
$990Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume35
Mix0.3%
Spread
+0.146%Above
Fees
$2,217Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,619 | 57.3% | +0.183%Above | $1,816Fees | ||||
Refinance | 4,923 | 42.7% | +0.175%Above | $3,112Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume6,619
Mix57.3%
Spread
+0.183%Above
Fees
$1,816Fees
Refinance
OverallSound
ProductExceptional
PricingSound
Pull ThroughSound
Volume4,923
Mix42.7%
Spread
+0.175%Above
Fees
$3,112Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
11,542
Applications
20,121
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
+0.181%
vs. market APOR
Avg Net Fees
$2,029
Origination − Credits
Pullthrough Rate
57.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,689
Avg Borrower Income
$143,168
Avg Property Value
$493,183
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 5050–100100–200200–500500+None
Northeast8
CTMEMANHNJPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVA
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 49 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.