Lender in Florida · HMDA 2025
Mr. Cooper mortgages in Florida
Mr. Cooper's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Mr. Cooper originated 1,612 owner-occupied single-family loans in Florida from 2,121 completed applications.
Its median conventional purchase loan costs were $5,490 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.75% (Florida: 6.625%).
Loans in FL
1,612
of 2,121 applications
Denial rate
9.2%
Purchase · FL 12.8%
Rate spread
+0.18 pts
Conv. · FL +0.14 pts
Loan amount
$305,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 478 | 428 | 9.2% | 6.750% | +0.18 pts | $5,490 | $305,000 |
| Refinance | 541 | 383 | 25.9% | 6.125% | −0.10 pts | $4,240 | $315,000 |
| Cash-out refinance | 1,102 | 801 | 25.2% | 6.990% | +0.70 pts | $8,790 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gulf County | 11 | 3 | 1.7% |
| Lafayette County | 15 | 1 | 4.0% |
| Monroe County | 16 | 8 | 1.2% |
| Putnam County | 17 | 7 | 1.2% |
| Columbia County | 18 | 6 | 1.1% |
| Highlands County | 20 | 17 | 1.2% |
| DeSoto County | 21 | 2 | 0.9% |
| Wakulla County | 24 | 5 | 0.7% |
| Calhoun County | 25 | 1 | 1.3% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology