Lender in North Carolina · HMDA 2025
Mr. Cooper mortgages in North Carolina
Mr. Cooper's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Mr. Cooper originated 1,029 owner-occupied single-family loans in North Carolina from 1,247 completed applications.
Its median conventional purchase loan costs were $4,620 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
1,029
of 1,247 applications
Denial rate
3.8%
Purchase · NC 7.6%
Rate spread
+0.21 pts
Conv. · NC +0.04 pts
Loan amount
$335,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 261 | 251 | 3.8% | 6.625% | +0.21 pts | $4,620 | $335,000 |
| Refinance | 354 | 304 | 10.4% | 6.250% | −0.17 pts | $4,770 | $295,000 |
| Cash-out refinance | 632 | 474 | 22.8% | 6.990% | +0.86 pts | $7,980 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County | 10 | 3 | 2.2% |
| Northampton County | 10 | 2 | 2.3% |
| Clay County | 12 | 3 | 2.3% |
| Swain County | 15 | 2 | 1.8% |
| Halifax County | 16 | 3 | 1.2% |
| Ashe County | 17 | 3 | 1.2% |
| Hertford County | 17 | 2 | 2.1% |
| Surry County | 18 | 9 | 1.3% |
| Macon County | 18 | 4 | 0.9% |
| Richmond County | 18 | 4 | 1.2% |
| Burke County | 20 | 8 | 0.8% |
| Lenoir County | 20 | 6 | 1.2% |
| Cumberland County | 21 | 68 | 1.1% |
| Lee County | 21 | 11 | 1.0% |
| Beaufort County | 21 | 4 | 0.9% |
| Granville County | 22 | 9 | 1.1% |
| Caldwell County | 22 | 8 | 0.8% |
| Rutherford County | 22 | 6 | 0.9% |
| Pitt County | 23 | 19 | 0.8% |
| Watauga County | 23 | 4 | 1.1% |
| Catawba County | 24 | 22 | 0.8% |
| Robeson County | 25 | 6 | 0.9% |
| Transylvania County | 25 | 3 | 1.0% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology