Mutual of Omaha Mortgage in Minnesota vs the state
10.2%Denial rate-3.40 pts vs state
12.3%Decision denial rate-4.03 pts vs state
71.2%Origination rate+4.83 pts vs state
6.43%Median rate-0.19 pts vs state
0.21Rate spread (pts)-0.04 pts vs state
$91kMedian applicant income
670Loans originated
96Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 316 | 167 | 27.2% | 6.88% | #92 |
| 2024 | 484 | 280 | 19.6% | 6.63% | #79 |
| 2025 | 941 | 670 | 10.2% | 6.43% | #52 |
What Mutual of Omaha Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 200 | 159 | 10 | 5.0% |
| Dakota County | 111 | 88 | 4 | 3.6% |
| Ramsey County | 74 | 51 | 8 | 10.8% |
| Anoka County | 66 | 39 | 15 | 22.7% |
| Washington County | 59 | 42 | 7 | 11.9% |
| Scott County | 37 | 32 | 2 | 5.4% |
| Carver County | 30 | 22 | 2 | 6.7% |
| Wright County | 27 | 16 | 2 | 7.4% |
| St. Louis County | 22 | 12 | 3 | 13.6% |
| Sherburne County | 19 | 13 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 941 applications in 2025, of which 670 were originated and 96 denied.
10.2% of all applications, or 12.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Mutual of Omaha Mortgage originated in Minnesota in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology