Mutual of Omaha Mortgage in North Carolina vs the state
14.0%Denial rate-4.02 pts vs state
17.5%Decision denial rate-5.30 pts vs state
63.3%Origination rate+5.44 pts vs state
6.38%Median rate-0.13 pts vs state
0.20Rate spread (pts)+0.12 pts vs state
$78kMedian applicant income
1,387Loans originated
308Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,281 | 757 | 21.9% | 7.00% | #66 |
| 2024 | 1,574 | 948 | 18.7% | 6.63% | #55 |
| 2025 | 2,193 | 1,387 | 14.0% | 6.38% | #48 |
What Mutual of Omaha Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 279 | 193 | 30 | 10.8% |
| Wake County | 169 | 109 | 25 | 14.8% |
| Cumberland County | 131 | 88 | 12 | 9.2% |
| Union County | 110 | 78 | 9 | 8.2% |
| Iredell County | 92 | 62 | 12 | 13.0% |
| Cabarrus County | 79 | 57 | 6 | 7.6% |
| Brunswick County | 71 | 43 | 14 | 19.7% |
| Guilford County | 71 | 48 | 9 | 12.7% |
| Gaston County | 70 | 40 | 9 | 12.9% |
| Durham County | 60 | 36 | 11 | 18.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 2,193 applications in 2025, of which 1,387 were originated and 308 denied.
14.0% of all applications, or 17.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Mutual of Omaha Mortgage originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Mutual of Omaha Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology