Lender in Virginia · HMDA 2025
Mr. Cooper mortgages in Virginia
Mr. Cooper's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Mr. Cooper originated 813 owner-occupied single-family loans in Virginia from 979 completed applications.
Its median conventional purchase loan costs were $5,580 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
813
of 979 applications
Denial rate
6.2%
Purchase · VA 6.9%
Rate spread
+0.04 pts
Conv. · VA +0.10 pts
Loan amount
$375,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 194 | 176 | 6.2% | 6.625% | +0.04 pts | $5,580 | $375,000 |
| Refinance | 289 | 241 | 10.0% | 6.125% | −0.19 pts | $4,280 | $345,000 |
| Cash-out refinance | 496 | 396 | 19.1% | 6.990% | +0.76 pts | $8,120 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Mr. Cooper ranks in the top 25
Showing the 30 counties where it ranks highest, of 35.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alleghany County | 5 | 4 | 2.6% |
| Buckingham County | 7 | 5 | 3.0% |
| Grayson County | 11 | 3 | 2.1% |
| Richmond County | 12 | 2 | 2.7% |
| Appomattox County | 14 | 4 | 1.7% |
| Essex County | 15 | 3 | 1.9% |
| Lexington city | 15 | 1 | 2.5% |
| Caroline County | 16 | 11 | 1.3% |
| Accomack County | 16 | 4 | 1.3% |
| Wythe County | 16 | 4 | 1.4% |
| Charles City County | 16 | 2 | 2.1% |
| Lunenburg County | 16 | 2 | 1.9% |
| Bland County | 16 | 1 | 2.6% |
| Covington city | 16 | 1 | 1.3% |
| Campbell County | 17 | 10 | 1.3% |
| Pittsylvania County | 17 | 6 | 1.1% |
| Mecklenburg County | 17 | 4 | 1.3% |
| Patrick County | 17 | 2 | 1.4% |
| Newport News city | 18 | 25 | 1.0% |
| Buena Vista city | 18 | 1 | 1.3% |
| Radford city | 19 | 2 | 1.3% |
| Madison County | 20 | 3 | 1.6% |
| Scott County | 20 | 2 | 1.4% |
| Galax city | 20 | 1 | 1.6% |
| Botetourt County | 21 | 6 | 1.2% |
| Prince George County | 21 | 6 | 1.2% |
| Danville city | 21 | 3 | 0.9% |
| Frederick County | 22 | 17 | 0.9% |
| Bristol city | 23 | 2 | 0.9% |
| Montgomery County | 24 | 9 | 1.0% |
- Mr. Cooper nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology