Lender in New Jersey · HMDA 2025
Mr. Cooper mortgages in New Jersey
Mr. Cooper's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Mr. Cooper originated 777 owner-occupied single-family loans in New Jersey from 966 completed applications.
Its median conventional purchase loan costs were $6,470 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.75% (New Jersey: 6.625%).
Loans in NJ
777
of 966 applications
Denial rate
7.2%
Purchase · NJ 8.4%
Rate spread
+0.15 pts
Conv. · NJ +0.12 pts
Loan amount
$395,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 139 | 126 | 7.2% | 6.750% | +0.15 pts | $6,470 | $395,000 |
| Refinance | 326 | 266 | 15.6% | 6.125% | −0.28 pts | $1,960 | $405,000 |
| Cash-out refinance | 501 | 385 | 21.2% | 6.990% | +0.66 pts | $9,280 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Camden County | 22 | 84 | 1.4% |
| Ocean County | 22 | 82 | 1.0% |
| Middlesex County | 22 | 74 | 0.9% |
| Atlantic County | 22 | 28 | 0.9% |
| Cumberland County | 22 | 14 | 0.9% |
| Hunterdon County | 23 | 17 | 1.1% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology