Lender in Minnesota · HMDA 2025
Mr. Cooper mortgages in Minnesota
Mr. Cooper's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Mr. Cooper originated 363 owner-occupied single-family loans in Minnesota from 446 completed applications.
Its median conventional purchase loan costs were $4,670 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.625% (Minnesota: 6.625%).
Loans in MN
363
of 446 applications
Denial rate
12.9%
Purchase · MN 5.2%
Rate spread
+0.05 pts
Conv. · MN +0.15 pts
Loan amount
$315,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 93 | 81 | 12.9% | 6.625% | +0.05 pts | $4,670 | $315,000 |
| Refinance | 125 | 101 | 14.4% | 6.125% | −0.11 pts | $2,100 | $295,000 |
| Cash-out refinance | 228 | 181 | 20.2% | 6.990% | +0.80 pts | $7,340 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Watonwan County | 11 | 3 | 3.3% |
| Cook County | 11 | 1 | 2.1% |
| Wadena County | 12 | 3 | 2.3% |
| Nobles County | 13 | 2 | 1.1% |
| Kittson County | 13 | 1 | 2.9% |
| Murray County | 14 | 2 | 2.4% |
| Mahnomen County | 14 | 1 | 1.9% |
| Lake of the Woods County | 15 | 1 | 2.4% |
| Pope County | 17 | 2 | 1.8% |
| Rice County | 19 | 10 | 1.3% |
| Freeborn County | 19 | 4 | 1.1% |
| Hubbard County | 20 | 3 | 1.4% |
| Marshall County | 20 | 1 | 1.3% |
| Wilkin County | 20 | 1 | 1.3% |
| Fillmore County | 21 | 3 | 1.2% |
| Lake County | 21 | 2 | 1.0% |
| Renville County | 21 | 2 | 1.4% |
| Itasca County | 22 | 5 | 1.0% |
| Sibley County | 22 | 3 | 1.4% |
| Winona County | 23 | 3 | 0.6% |
| Roseau County | 23 | 1 | 0.7% |
| Martin County | 24 | 2 | 0.9% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology