Lender in Georgia · HMDA 2025
Mr. Cooper mortgages in Georgia
Mr. Cooper's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Mr. Cooper originated 1,215 owner-occupied single-family loans in Georgia from 1,488 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $5,570 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.875% (Georgia: 6.624%).
Loans in GA
1,215
of 1,488 applications
Denial rate
7.6%
Purchase · GA 9.9%
Rate spread
+0.26 pts
Conv. · GA +0.13 pts
Loan amount
$305,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 210 | 194 | 7.6% | 6.875% | +0.26 pts | $5,570 | $305,000 |
| Refinance | 392 | 329 | 11.2% | 6.125% | −0.10 pts | $4,980 | $315,000 |
| Cash-out refinance | 886 | 692 | 19.8% | 6.990% | +0.84 pts | $8,110 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Mr. Cooper ranks in the top 25
Showing the 30 counties where it ranks highest, of 60.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Emanuel County | 3 | 5 | 5.7% |
| Randolph County | 4 | 2 | 8.7% |
| Johnson County | 7 | 2 | 3.8% |
| Ben Hill County | 8 | 3 | 2.9% |
| Early County | 8 | 2 | 3.0% |
| Atkinson County | 8 | 1 | 5.6% |
| Oglethorpe County | 9 | 5 | 2.4% |
| Jones County | 11 | 6 | 1.9% |
| White County | 12 | 7 | 1.8% |
| Cook County | 12 | 3 | 2.1% |
| Colquitt County | 13 | 5 | 1.8% |
| Grady County | 14 | 4 | 2.5% |
| Macon County | 14 | 1 | 2.8% |
| Warren County | 14 | 1 | 3.2% |
| Dougherty County | 15 | 9 | 1.6% |
| Thomas County | 15 | 7 | 1.5% |
| Lumpkin County | 16 | 6 | 1.2% |
| Baldwin County | 16 | 5 | 1.7% |
| Upson County | 16 | 4 | 1.3% |
| Dodge County | 16 | 3 | 2.5% |
| Polk County | 17 | 8 | 1.5% |
| Marion County | 17 | 1 | 1.8% |
| Rockdale County | 18 | 19 | 1.1% |
| Lee County | 18 | 7 | 1.3% |
| Brooks County | 18 | 2 | 1.6% |
| Spalding County | 19 | 14 | 1.3% |
| Haralson County | 19 | 6 | 1.2% |
| Union County | 19 | 4 | 0.9% |
| Wayne County | 19 | 3 | 0.9% |
| Montgomery County | 19 | 1 | 2.1% |
- Mr. Cooper nationwide
- Georgia mortgage market
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- Mr. Cooper in Virginia
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- Mr. Cooper in New Jersey
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology