Mutual of Omaha Mortgage in Massachusetts vs the state
19.0%Denial rate+2.75 pts vs state
23.9%Decision denial rate+3.99 pts vs state
58.4%Origination rate-4.24 pts vs state
6.25%Median rate-0.38 pts vs state
0.10Rate spread (pts)0.00 pts vs state
$100kMedian applicant income
628Loans originated
204Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 571 | 313 | 28.2% | 7.00% | #74 |
| 2024 | 907 | 510 | 24.6% | 6.63% | #49 |
| 2025 | 1,076 | 628 | 19.0% | 6.25% | #47 |
What Mutual of Omaha Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 191 | 106 | 46 | 24.1% |
| Middlesex County | 177 | 102 | 27 | 15.3% |
| Plymouth County | 120 | 76 | 20 | 16.7% |
| Essex County | 99 | 62 | 21 | 21.2% |
| Norfolk County | 97 | 64 | 15 | 15.5% |
| Hampden County | 96 | 53 | 18 | 18.8% |
| Bristol County | 94 | 53 | 18 | 19.1% |
| Barnstable County | 89 | 52 | 18 | 20.2% |
| Suffolk County | 60 | 34 | 11 | 18.3% |
| Berkshire County | 22 | 8 | 7 | 31.8% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 1,076 applications in 2025, of which 628 were originated and 204 denied.
19.0% of all applications, or 23.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Mutual of Omaha Mortgage originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology