Lender in Texas · HMDA 2025
Mr. Cooper mortgages in Texas
Mr. Cooper's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Mr. Cooper originated 2,476 owner-occupied single-family loans in Texas from 3,144 completed applications.
Its median conventional purchase loan costs were $6,250 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
2,476
of 3,144 applications
Denial rate
9.4%
Purchase · TX 10.2%
Rate spread
+0.17 pts
Conv. · TX +0.09 pts
Loan amount
$335,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 603 | 542 | 9.4% | 6.625% | +0.17 pts | $6,250 | $335,000 |
| Refinance | 848 | 637 | 21.3% | 6.125% | −0.16 pts | $6,100 | $305,000 |
| Cash-out refinance | 1,693 | 1,297 | 21.6% | 7.375% | +0.97 pts | $9,330 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Mr. Cooper ranks in the top 25
Showing the 30 counties where it ranks highest, of 62.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coleman County | 5 | 3 | 5.7% |
| Haskell County | 5 | 2 | 5.3% |
| Hardeman County | 8 | 1 | 4.0% |
| Cass County | 9 | 7 | 2.9% |
| Polk County | 9 | 7 | 2.1% |
| Shelby County | 9 | 3 | 2.6% |
| Concho County | 9 | 1 | 6.3% |
| Fayette County | 10 | 4 | 2.3% |
| Lynn County | 10 | 2 | 3.0% |
| Val Verde County | 11 | 9 | 2.3% |
| Knox County | 11 | 1 | 4.8% |
| Hutchinson County | 12 | 5 | 2.3% |
| Kimble County | 12 | 1 | 4.2% |
| Lee County | 13 | 2 | 1.8% |
| Baylor County | 13 | 1 | 3.6% |
| Crosby County | 13 | 1 | 3.2% |
| Dimmit County | 13 | 1 | 4.0% |
| Mason County | 13 | 1 | 4.3% |
| Burnet County | 15 | 12 | 1.3% |
| Caldwell County | 15 | 4 | 0.7% |
| Gaines County | 15 | 4 | 1.5% |
| Trinity County | 15 | 2 | 1.8% |
| Wichita County | 16 | 16 | 1.1% |
| Ward County | 16 | 2 | 2.1% |
| Bastrop County | 17 | 17 | 1.1% |
| Blanco County | 17 | 3 | 1.4% |
| Hansford County | 17 | 1 | 2.7% |
| Winkler County | 17 | 1 | 2.4% |
| Harrison County | 18 | 7 | 1.1% |
| Upshur County | 18 | 6 | 1.3% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology