Lender in Utah · HMDA 2025
Mr. Cooper mortgages in Utah
Mr. Cooper's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Mr. Cooper originated 334 owner-occupied single-family loans in Utah from 403 completed applications.
Its median conventional purchase loan costs were $5,060 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.625% (Utah: 6.50%).
Loans in UT
334
of 403 applications
Denial rate
9.8%
Purchase · UT 6.5%
Rate spread
+0.17 pts
Conv. · UT +0.05 pts
Loan amount
$425,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 51 | 45 | 9.8% | 6.625% | +0.17 pts | $5,060 | $425,000 |
| Refinance | 148 | 124 | 14.9% | 5.990% | −0.18 pts | $2,510 | $405,000 |
| Cash-out refinance | 204 | 165 | 16.7% | 6.875% | +0.44 pts | $11,140 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Piute County | 4 | 2 | 11.8% |
| Garfield County | 8 | 2 | 3.0% |
| Duchesne County | 11 | 5 | 2.3% |
| Millard County | 11 | 3 | 1.9% |
| Uintah County | 15 | 5 | 1.0% |
| Sevier County | 15 | 3 | 1.0% |
| Rich County | 16 | 1 | 2.2% |
| Juab County | 17 | 3 | 1.5% |
| Cache County | 20 | 16 | 0.8% |
| Box Elder County | 20 | 13 | 1.1% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology