Mutual of Omaha Mortgage in Michigan vs the state
21.7%Denial rate+3.15 pts vs state
28.9%Decision denial rate+6.32 pts vs state
51.1%Origination rate-8.75 pts vs state
6.50%Median rate-0.25 pts vs state
0.49Rate spread (pts)+0.09 pts vs state
$62kMedian applicant income
538Loans originated
228Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 823 | 376 | 30.6% | 6.88% | #82 |
| 2024 | 875 | 440 | 26.1% | 6.75% | #79 |
| 2025 | 1,052 | 538 | 21.7% | 6.50% | #70 |
What Mutual of Omaha Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 152 | 66 | 30 | 19.7% |
| Oakland County | 108 | 55 | 19 | 17.6% |
| Macomb County | 80 | 41 | 16 | 20.0% |
| Kent County | 64 | 34 | 15 | 23.4% |
| Genesee County | 53 | 33 | 11 | 20.8% |
| Ottawa County | 34 | 23 | 4 | 11.8% |
| Muskegon County | 31 | 11 | 13 | 41.9% |
| Berrien County | 22 | 9 | 4 | 18.2% |
| St. Clair County | 20 | 9 | 5 | 25.0% |
| Livingston County | 20 | 12 | 3 | 15.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,052 applications in 2025, of which 538 were originated and 228 denied.
21.7% of all applications, or 28.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mutual of Omaha Mortgage originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology