MASHINIi

Nationstar Mortgage.

NSM.US | Other credit granting

Nationstar Mortgage, now known as Mr. Cooper, is a residential mortgage servicer and originator. The company focuses on servicing residential mortgage loans, which involves collecting payments, managing escrow accounts, and handling loan modifications and foreclosures. Nationstar also originates mor...Show More

Ethical Profile

Mixed.

Nationstar Mortgage (Mr. Cooper) has a mixed ethical profile. The company settled for $91 million with the CFPB and state attorneys general over alleged violations, including unlawful foreclosures and failures in loss-mitigation applications between 2012 and 2016. Critics also point to a CFPB amicus brief that questioned the company's mortgage payoff statement fees, raising concerns about transparent pricing. While these issues are historical, they highlight past scrutiny regarding fair lending practices. For environmental impact, the company's DitchCarbon score is 25, though publicly available carbon emissions data and reduction targets are lacking.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity-40
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-40
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

The company's principal goods and services are residential mortgage servicing and origination.

1
These financial services have no significant direct positive or negative health impact, resulting in a neutral health effect. Consequently, the company derives no revenue from products or activities with well-established negative health outcomes, nor do its products and services have direct safety implications for physical or mental health. As the company does not offer health-related products or services, collect health data, or engage in health-specific R&D or programs, all other health-related KPIs are not applicable to its business model.

Fair Money & Economic Opportunity

-40

Nationstar Mortgage settled with the CFPB and over 50 state and district attorneys general for $91 million, which included $6 million in fees and penalties.

1
The settlement addressed alleged violations of the Consumer Financial Protection Act, Real Estate Settlement Procedures Act, and Homeowner’s Protection Act.
2
Allegations included failing to identify loans with pending loss-mitigation applications, failing to honor loan modification agreements, unlawfully foreclosing on borrowers with pending modifications, increasing permanent loan payments, misrepresenting PMI cancellation eligibility, failing to timely disburse tax payments, and failing to properly conduct escrow analyses.
3
Additionally, the CFPB filed an amicus brief criticizing the company's fee for mortgage payoff statements.
4

Fair Pay & Worker Respect

0

No evidence available to assess Nationstar Mortgage on Fair Pay & Worker Respect.

Fair Trade & Ethical Sourcing

0

No evidence available to assess Nationstar Mortgage on Fair Trade & Ethical Sourcing.

Honest & Fair Business

-40

The company received a CSA Score of 20 from S&P Global as of July 18, 2025.

1
No other specific, quantifiable evidence was provided in the articles for the remaining KPIs under the 'Honest & Fair Business' ethical value. Information regarding regulatory fines was outside the three-year lookback period and lacked specific dollar amounts. Details on whistleblower policies, financial restatements, audit coverage percentages, ESG controversy scores, complaint resolution times, board conflict-free percentages, anti-corruption policies, or the extent of third-party verification of ethical claims were not explicitly stated or quantifiable.

Kind to Animals

0

No evidence available to assess Nationstar Mortgage on Kind to Animals.

No War, No Weapons

0

No specific evidence was found in the provided articles regarding NSM.US's involvement in arms manufacturing, military contracts, conflict facilitation, or related peace initiatives. The articles discuss general corporate social responsibility or general compliance challenges for U.S. companies regarding conflict minerals, but do not provide company-specific data for any of the 'No War, No Weapons' KPIs. Companies spent approximately $709 million and 6 million staff hours in 2014 to comply with these rules.

1

Planet-Friendly Business

0

No specific quantitative data or verifiable actions related to environmental performance, emissions, targets, or other planet-friendly business metrics are provided in the articles. There is no publicly available carbon emissions data, reduction targets, or participation in initiatives like SBTi.

1
Additionally, no information is provided regarding environmental compliance violations.
2

Respect for Cultures & Communities

0

No evidence available to assess Nationstar Mortgage on Respect for Cultures & Communities.

Safe & Smart Tech

0

No evidence available to assess Nationstar Mortgage on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

No evidence available to assess Nationstar Mortgage on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.