Lender in Alabama · HMDA 2025
Mr. Cooper mortgages in Alabama
Mr. Cooper's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Mr. Cooper originated 515 owner-occupied single-family loans in Alabama from 625 completed applications.
Its median conventional purchase loan costs were $4,480 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.625% (Alabama: 6.562%).
Loans in AL
515
of 625 applications
Denial rate
8.3%
Purchase · AL 9.1%
Rate spread
+0.20 pts
Conv. · AL +0.17 pts
Loan amount
$275,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 109 | 100 | 8.3% | 6.625% | +0.20 pts | $4,480 | $275,000 |
| Refinance | 177 | 149 | 14.1% | 6.125% | −0.08 pts | $5,530 | $265,000 |
| Cash-out refinance | 339 | 266 | 20.1% | 7.125% | +0.93 pts | $7,230 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clarke County | 10 | 3 | 1.9% |
| Lamar County | 12 | 2 | 2.1% |
| Randolph County | 13 | 5 | 2.1% |
| Crenshaw County | 13 | 2 | 2.6% |
| Wilcox County | 13 | 1 | 2.9% |
| Bibb County | 14 | 3 | 2.1% |
| Covington County | 16 | 4 | 1.2% |
| Escambia County | 16 | 4 | 1.4% |
| Cleburne County | 16 | 2 | 1.5% |
| Marshall County | 17 | 18 | 1.4% |
| Jackson County | 17 | 7 | 1.3% |
| Marion County | 18 | 3 | 1.4% |
| Chambers County | 19 | 5 | 1.5% |
| Pike County | 19 | 3 | 1.1% |
| Fayette County | 20 | 2 | 1.2% |
| Montgomery County | 21 | 23 | 0.9% |
| Elmore County | 22 | 16 | 1.1% |
| Lawrence County | 22 | 4 | 1.2% |
| Conecuh County | 22 | 1 | 1.9% |
| Calhoun County | 23 | 15 | 1.1% |
| DeKalb County | 24 | 8 | 1.1% |
| Cherokee County | 24 | 3 | 1.1% |
| Morgan County | 25 | 17 | 1.0% |
| Cullman County | 25 | 10 | 0.9% |
| Autauga County | 25 | 8 | 0.8% |
| Russell County | 25 | 8 | 0.8% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology