Lender in New York · HMDA 2025
Mr. Cooper mortgages in New York
Mr. Cooper's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Mr. Cooper originated 870 owner-occupied single-family loans in New York from 1,114 completed applications.
Its median conventional purchase loan costs were $5,740 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
870
of 1,114 applications
Denial rate
7.9%
Purchase · NY 9.5%
Rate spread
+0.24 pts
Conv. · NY +0.07 pts
Loan amount
$335,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 114 | 105 | 7.9% | 6.625% | +0.24 pts | $5,740 | $335,000 |
| Refinance | 196 | 147 | 21.9% | 6.125% | −0.17 pts | $5,830 | $345,000 |
| Cash-out refinance | 804 | 618 | 21.0% | 6.990% | +0.81 pts | $8,990 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Mr. Cooper ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Delaware County | 11 | 3 | 1.2% |
| Lewis County | 12 | 3 | 1.4% |
| Wayne County | 14 | 12 | 1.3% |
| Genesee County | 14 | 8 | 1.7% |
| Fulton County | 14 | 6 | 1.4% |
| Erie County | 16 | 102 | 1.1% |
| Niagara County | 16 | 25 | 1.2% |
| Chenango County | 16 | 4 | 1.3% |
| Allegany County | 16 | 3 | 1.1% |
| Putnam County | 17 | 13 | 1.2% |
| Herkimer County | 17 | 8 | 1.8% |
| Schoharie County | 17 | 4 | 1.6% |
| Franklin County | 17 | 3 | 1.4% |
| Orange County | 18 | 42 | 1.2% |
| Clinton County | 18 | 4 | 0.8% |
| Chemung County | 19 | 7 | 0.9% |
| Schenectady County | 20 | 17 | 1.0% |
| Steuben County | 20 | 8 | 1.0% |
| Livingston County | 20 | 4 | 0.8% |
| Columbia County | 21 | 5 | 1.0% |
| Monroe County | 22 | 62 | 0.9% |
| Dutchess County | 22 | 27 | 1.1% |
| Jefferson County | 22 | 12 | 1.1% |
| Greene County | 22 | 4 | 1.1% |
| Orleans County | 22 | 4 | 1.2% |
| Wyoming County | 22 | 3 | 0.9% |
| Ontario County | 23 | 8 | 0.8% |
| Montgomery County | 25 | 3 | 0.7% |
| Tompkins County | 25 | 3 | 0.5% |
| Seneca County | 25 | 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