Mutual of Omaha Mortgage, Inc. NMLS #1025894
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Who is Mutual of Omaha Mortgage, Inc.?
Mutual of Omaha Mortgage, Inc. (NMLS #1025894) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Mutual of Omaha Mortgage, Inc. legit?
Here's what public licensing records show. Mutual of Omaha Mortgage, Inc. holds mortgage licenses in 42 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #1025894, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerMutual of Omaha Mortgage, Inc.
- NMLS #1025894
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- Filed asMUTUAL OF OMAHA MORTGAGE, INC.
- 2025 home loan decisionsOf 32,515 applications decided by MUTUAL OF OMAHA MORTGAGE, INC. in 2025, 24,192 were originated, 986 were approved but not accepted by the borrower, and 7,337 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 77.4%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 7,837 applications were withdrawn by the borrower, 1,406 were closed for incompleteness, and 240 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.3 percentage points above the average prime offer rate (reported on 17,480 originations, 6,712 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$8,424.18 — originated closed-end household loans, 2025, 17,125 of 17,257 loans. FFIEC HMDA data browser.
- Median origination charges$4,247.50 — originated closed-end household loans, 2025, 17,153 of 17,257 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types10,960 Conventional, 10,518 FHA, 2,685 VA, 29 USDA — of 24,192 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for MUTUAL OF OMAHA MORTGAGE, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Mutual of Omaha Mortgage, Inc.
Overview
Mutual of Omaha Mortgage, Inc. is a residential mortgage lender. The company works with borrowers on home financing needs that include buying a home, refinancing, VA financing, and home equity borrowing.
Mortgage options
Mortgage options include home purchase loans, refinance loans, VA loans, and home equity loans.
Locations
Mutual of Omaha Mortgage, Inc. has 306 branch offices in 46 states.
Company details and licensing
Mutual of Omaha Mortgage, Inc. is a corporation formed in Delaware on January 9, 2013. Its headquarters is at 3131 Camino Del Rio North, Suite 1100, San Diego, California 92108. The company’s NMLS ID is 1025894. Trade names include Mutual of Omaha Mortgage, Mutual of Omaha Reverse Mortgage, and Synergy One Lending.
Mutual of Omaha Mortgage, Inc. is licensed in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Verify NMLS #1025894 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS Consumer Access, looked up rather than cited from a dated record. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
Is Mutual of Omaha Mortgage, Inc. legit?
Here's what public licensing records show. Mutual of Omaha Mortgage, Inc. holds mortgage licenses in 42 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #1025894, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Mutual of Omaha Mortgage, Inc.'s NMLS number?
Mutual of Omaha Mortgage, Inc.'s NMLS number is 1025894. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Mutual of Omaha Mortgage, Inc.'s NMLS ID?
Yes. We checked Mutual of Omaha Mortgage, Inc.'s company name and NMLS ID against the NMLS record on December 30, 2025. They've been in our lender network since January 2018. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Mutual of Omaha Mortgage, Inc.?
This page has Mutual of Omaha Mortgage, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.