Mutual Of Omaha Mortgage denied 28.9% of its 15,148 decisioned FHA applications in 2025 — rank #22 of the 100 largest FHA lenders, above the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: credit history (42.8%), debt-to-income (25.5%), collateral (the property) (16.1%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
| State | FHA apps | Denial rate |
|---|---|---|
| CA | 1,287 | 19.2% |
| NC | 724 | 26.5% |
| OH | 708 | 28.2% |
| PA | 512 | 32.4% |
| WA | 482 | 24.5% |
| MA | 378 | 28.6% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Mutual Of Omaha Mortgage did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.