Mutual of Omaha Mortgage in Missouri vs the state
19.1%Denial rate+4.00 pts vs state
24.9%Decision denial rate+6.24 pts vs state
54.5%Origination rate-8.21 pts vs state
6.38%Median rate-0.25 pts vs state
0.38Rate spread (pts)+0.03 pts vs state
$78kMedian applicant income
551Loans originated
193Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 580 | 318 | 23.5% | 6.88% | #67 |
| 2024 | 766 | 441 | 20.8% | 6.63% | #62 |
| 2025 | 1,012 | 551 | 19.1% | 6.38% | #51 |
What Mutual of Omaha Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 134 | 67 | 30 | 22.4% |
| Jackson County | 120 | 67 | 21 | 17.5% |
| St. Charles County | 100 | 60 | 13 | 13.0% |
| Clay County | 65 | 39 | 13 | 20.0% |
| Greene County | 52 | 30 | 11 | 21.2% |
| Jefferson County | 43 | 24 | 9 | 20.9% |
| Platte County | 35 | 28 | 3 | 8.6% |
| St. Louis city | 32 | 15 | 9 | 28.1% |
| Boone County | 24 | 12 | 5 | 20.8% |
| Cass County | 22 | 12 | 4 | 18.2% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,012 applications in 2025, of which 551 were originated and 193 denied.
19.1% of all applications, or 24.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Mutual of Omaha Mortgage originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology