Lender in Kentucky · HMDA 2025
Mr. Cooper mortgages in Kentucky
Mr. Cooper's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Mr. Cooper originated 328 owner-occupied single-family loans in Kentucky from 395 completed applications.
Its median conventional purchase loan costs were $4,300 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
328
of 395 applications
Denial rate
3.8%
Purchase · KY 8.2%
Rate spread
+0.27 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 80 | 77 | 3.8% | 6.625% | +0.27 pts | $4,300 | $255,000 |
| Refinance | 112 | 95 | 9.8% | 6.125% | −0.13 pts | $4,080 | $255,000 |
| Cash-out refinance | 203 | 156 | 21.7% | 7.125% | +0.95 pts | $5,800 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Knott County | 10 | 1 | 3.5% |
| Breckinridge County | 12 | 3 | 1.8% |
| Fulton County | 13 | 1 | 2.6% |
| Lee County | 13 | 1 | 3.6% |
| Lyon County | 14 | 2 | 2.8% |
| Calloway County | 16 | 4 | 1.2% |
| Taylor County | 16 | 2 | 1.1% |
| Henry County | 18 | 3 | 1.4% |
| Meade County | 19 | 5 | 1.1% |
| Morgan County | 19 | 1 | 2.4% |
| Montgomery County | 21 | 4 | 1.1% |
| Anderson County | 22 | 4 | 1.1% |
| Hardin County | 23 | 17 | 0.9% |
| Boyd County | 24 | 4 | 0.7% |
| Harrison County | 25 | 2 | 1.1% |
| Adair County | 25 | 1 | 1.3% |
| Crittenden County | 25 | 1 | 1.1% |
| Nicholas County | 25 | 1 | 1.7% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology