For Marvel, mutants are those with an X-Gene, but in biology we tend to call something a mutant when an error in DNA causes something we wouldn't normally see (well outside of typical variation). We've all got screwed up DNA in us, but mutants are the ones who end up with really noticeable differences. That could apply to a lot of humans walking around today (albinos for example), but I guess it's considered impolite to call them mutants.