Lender in California · HMDA 2025

Mr. Cooper mortgages in California

Mr. Cooper's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.

Mr. Cooper originated 1,820 owner-occupied single-family loans in California from 2,358 completed applications.

Its median conventional purchase loan costs were $6,290 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).

Loans in CA

1,820

of 2,358 applications

Denial rate

10.8%

Purchase · CA 8.9%

Rate spread

+0.19 pts

Conv. · CA +0.09 pts

Loan amount

$535,000

Purchase · CA $575,000

By loan purpose

Purpose	Applications	Loans	Denial rate	30-yr rate*	Rate spread*	Loan costs*	Median loan
Home purchase	314	280	10.8%	6.750%	+0.19 pts	$6,290	$535,000
Refinance	895	674	22.2%	6.125%	−0.27 pts	$2,260	$505,000
Cash-out refinance	1,149	866	23.1%	6.875%	+0.51 pts	$10,770	$335,000

*Conventional loans only; medians with at least 20 loans.

California counties where Mr. Cooper ranks in the top 25

County	Rank	Loans	Market share
Tuolumne County	7	10	1.8%
Plumas County	11	3	1.6%
Lake County	12	11	1.9%
Mono County	12	2	1.8%
Nevada County	13	20	1.6%
Inyo County	14	2	1.8%
Modoc County	14	1	2.3%
Fresno County	15	94	1.1%
Humboldt County	16	9	1.0%
Sutter County	19	7	0.9%
Kings County	20	14	0.9%
Madera County	23	15	0.7%
Santa Cruz County	23	14	0.9%
Imperial County	23	9	0.8%
Mendocino County	23	4	0.8%
Tulare County	24	34	0.8%
San Luis Obispo County	24	19	0.8%
San Benito County	24	7	1.0%
Butte County	25	18	0.9%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology