Mutual of Omaha Mortgage in California vs the state
16.8%Denial rate-0.62 pts vs state
20.7%Decision denial rate-1.71 pts vs state
62.1%Origination rate+5.92 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$63kMedian applicant income
1,845Loans originated
499Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,024 | 1,199 | 24.8% | 7.28% | #79 |
| 2024 | 2,254 | 1,398 | 20.0% | 6.88% | #77 |
| 2025 | 2,970 | 1,845 | 16.8% | 6.38% | #70 |
What Mutual of Omaha Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 537 | 324 | 94 | 17.5% |
| San Diego County | 304 | 205 | 48 | 15.8% |
| Riverside County | 273 | 158 | 58 | 21.2% |
| Orange County | 226 | 162 | 24 | 10.6% |
| San Bernardino County | 195 | 111 | 43 | 22.1% |
| Santa Clara County | 107 | 73 | 10 | 9.3% |
| Sacramento County | 106 | 59 | 20 | 18.9% |
| Contra Costa County | 103 | 70 | 12 | 11.7% |
| Ventura County | 79 | 59 | 8 | 10.1% |
| Kern County | 79 | 40 | 19 | 24.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,970 applications in 2025, of which 1,845 were originated and 499 denied.
16.8% of all applications, or 20.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mutual of Omaha Mortgage originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology