Mutual of Omaha Mortgage in Alabama vs the state
21.1%Denial rate+1.27 pts vs state
28.0%Decision denial rate+3.00 pts vs state
52.4%Origination rate-2.95 pts vs state
6.38%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.13 pts vs state
$69kMedian applicant income
365Loans originated
147Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 428 | 217 | 28.3% | 6.75% | #81 |
| 2024 | 556 | 283 | 22.1% | 6.75% | #70 |
| 2025 | 696 | 365 | 21.1% | 6.38% | #67 |
What Mutual of Omaha Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 101 | 63 | 17 | 16.8% |
| Jefferson County | 88 | 45 | 17 | 19.3% |
| Baldwin County | 61 | 42 | 6 | 9.8% |
| Madison County | 51 | 25 | 12 | 23.5% |
| Shelby County | 35 | 18 | 10 | 28.6% |
| Montgomery County | 27 | 9 | 9 | 33.3% |
| Limestone County | 23 | 13 | 6 | 26.1% |
| St. Clair County | 22 | 15 | 4 | 18.2% |
| Tuscaloosa County | 22 | 8 | 5 | 22.7% |
| Marshall County | 16 | 8 | 2 | 12.5% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 696 applications in 2025, of which 365 were originated and 147 denied.
21.1% of all applications, or 28.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Mutual of Omaha Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology