Lender in Illinois · HMDA 2025

Mr. Cooper mortgages in Illinois

Mr. Cooper's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.

Mr. Cooper originated 944 owner-occupied single-family loans in Illinois from 1,179 completed applications.

Its median conventional purchase loan costs were $6,730 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.625% (Illinois: 6.625%).

Loans in IL

944

of 1,179 applications

Denial rate

8.3%

Purchase · IL 9.2%

Rate spread

+0.28 pts

Conv. · IL +0.27 pts

Loan amount

$275,000

Purchase · IL $275,000

By loan purpose

Purpose	Applications	Loans	Denial rate	30-yr rate*	Rate spread*	Loan costs*	Median loan
Home purchase	194	176	8.3%	6.625%	+0.28 pts	$6,730	$275,000
Refinance	343	262	18.9%	6.000%	−0.21 pts	$5,180	$305,000
Cash-out refinance	642	506	20.3%	7.375%	+0.98 pts	$7,230	$185,000

*Conventional loans only; medians with at least 20 loans.

Illinois counties where Mr. Cooper ranks in the top 25

County	Rank	Loans	Market share
Hardin County	4	1	8.3%
Alexander County	9	1	6.7%
Clay County	10	2	2.4%
Boone County	14	13	2.0%
Jo Daviess County	14	3	1.7%
Cumberland County	14	1	1.7%
Schuyler County	17	1	1.8%
Clinton County	19	5	1.2%
Fayette County	19	2	1.3%
Kankakee County	20	15	1.2%
Vermilion County	20	9	1.2%
Williamson County	21	7	0.9%
Coles County	22	3	0.8%
Fulton County	22	3	0.8%
Cass County	22	1	1.1%
Mercer County	23	3	1.3%
Kendall County	24	24	0.9%
Tazewell County	24	9	0.5%
Champaign County	25	17	0.8%
Randolph County	25	2	0.8%
Johnson County	25	1	1.2%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology