Mutual of Omaha Mortgage in Florida vs the state
19.9%Denial rate-1.16 pts vs state
25.7%Decision denial rate-1.52 pts vs state
55.2%Origination rate+2.54 pts vs state
6.38%Median rate-0.25 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$65kMedian applicant income
1,510Loans originated
544Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,024 | 1,532 | 28.0% | 7.00% | #62 |
| 2024 | 2,875 | 1,534 | 24.1% | 6.75% | #64 |
| 2025 | 2,734 | 1,510 | 19.9% | 6.38% | #75 |
What Mutual of Omaha Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 199 | 110 | 44 | 22.1% |
| Broward County | 179 | 81 | 50 | 27.9% |
| Miami-Dade County | 164 | 76 | 45 | 27.4% |
| Hillsborough County | 161 | 92 | 32 | 19.9% |
| Pinellas County | 150 | 86 | 32 | 21.3% |
| Pasco County | 117 | 71 | 18 | 15.4% |
| Orange County | 114 | 60 | 26 | 22.8% |
| Brevard County | 103 | 46 | 26 | 25.2% |
| Lee County | 102 | 55 | 19 | 18.6% |
| Polk County | 97 | 38 | 30 | 30.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,734 applications in 2025, of which 1,510 were originated and 544 denied.
19.9% of all applications, or 25.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mutual of Omaha Mortgage originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology