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Section 1: 8-K (MR. COOPER GROUP INC. 8-K)


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549



FORM 8-K



CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of report (Date of earliest event reported): March 7, 2019 (March 7, 2019)



Mr. Cooper Group Inc.
(Exact Name of Registrant as Specified in Charter)


Delaware

001-14667

91-1653725

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(I.R.S. Employer

Identification Number)

8950 Cypress Waters Boulevard
Coppell, Texas 75019
(Address of Principal Executive Offices)

(469) 549-2000
(Registrant’s Telephone Number, Including Area Code)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.


Item 2.02 Results of Operations and Financial Condition.

On March 7, 2019, Mr. Cooper Group Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and for its full fiscal year ended December 31, 2018. A copy of the press release is attached as Exhibit 99.1 and will be published in the Investors section on the Company’s website at www.mrcoopergroup.com. In connection with the release and the related conference call, the Company posted a presentation relating to its fourth quarter and its full fiscal year ended December 31, 2018 financial results in the Investors section on the Company’s website.

The press release and presentation include certain non-generally accepted accounting principles financial measures. Reconciliations to the most directly comparable generally accepted accounting principles financial measures are included in the press release and the presentation.

The information furnished pursuant to this Item 2.02 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.
 

(d) Exhibits

 
Exhibit
Number
Exhibit
 

99.1

Press release of Mr. Cooper Group Inc., dated March 7, 2019


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

Mr. Cooper Group Inc.

 

 
Date: March 7, 2019 By:

/s/ Amar Patel

Amar Patel

Chief Financial Officer

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Section 2: EX-99.1 (EXHIBIT 99.1)

Exhibit 99.1

Mr. Cooper Group Reports Fourth Quarter and Full Year 2018 Financial Results

DALLAS--(BUSINESS WIRE)--March 7, 2019--Mr. Cooper Group Inc. (NASDAQ:COOP) (the "Company"), which principally operates under the Mr. Cooper® and Xome® brands, reported a fourth quarter net loss of $(136) million, or $(1.50) per diluted share driven principally by a net fair value mark-to-market on the MSR portfolio of $(188) million.

"The Company is coming off a period of strong growth and a very high level of activity in 2018, including the WMIH merger, the name change to Mr. Cooper Group, and three acquisitions. Now it’s time for us to integrate these transactions and focus on profitability," said Jay Bray, Chairman and Chief Executive Officer of Mr. Cooper Group Inc.

"Fourth quarter results showcased the growth and margins of the company’s market-leading servicing platform, and by executing on our servicing transformation initiative, project Titan, we intend to drive further efficiencies and improve the servicing experience for team members and customers,” said Chris Marshall, Vice Chairman of Mr. Cooper Group Inc.


Servicing

The Servicing segment is focused on providing a best-in-class home loan experience for our 3.3 million customers while also strengthening asset performance for investors. In the fourth quarter, Servicing recorded pretax loss of $(100) million principally driven by a net fair value mark-to-market on the MSR portfolio of $(188) million. The change in fair value mark-to-market revenue compared to the prior period was primarily due to a lower interest rate environment. At year end, the carrying value of the MSR was approximately $3.7 billion, equivalent to 124 bps of MSR UPB. Excluding the mark-to-market, Servicing earned $88 million in pretax income during the quarter, equivalent to a servicing margin of 6.7 bps. Pretax income excluding mark-to-market and merger related costs improved 17% quarter-over-quarter driven by lower amortization, net of accretion due to a lower CPR, higher servicing fees driven by a larger portfolio, and by strong performance in the reverse portfolio. The strong performance in the reverse portfolio was driven by operational execution that led to favorable assignment volume, resulting in $15 million benefit to pretax income. For the full year, Servicing achieved $273 million combined pretax income or $300 million pretax income excluding mark-to-market and merger related costs.

Mr. Cooper ended the year with a servicing portfolio of $548 billion UPB, achieving 7% growth quarter-over-quarter and 8% growth year-over-year.

   
Quarter Ended
($ in millions) Q3'18 Combined   Q4'18
$   BPS $   BPS
Operational revenue $ 272 21.8 $ 280 21.3
Amortization, net of accretion (41 ) (3.3 ) (39 ) (3.0 )
Mark-to-market   49   3.9     (188 ) (14.3 )
Total revenues 280 22.4 53 4.0
Expenses (230 ) (18.4 ) (199 ) (15.1 )
Total other income (expenses), net   15   1.2     46   3.5  
Income (loss) before taxes 65 5.2 (100 ) (7.6 )
Mark-to-market (49 ) (3.9 ) 188 14.3
Merger related costs   59   4.7        
Pretax income excluding mark-to-market and merger related costs $ 75   6.0   $ 88   6.7  
 
 
 
Quarter Ended
Q3'18 Combined Q4'18
Ending UPB ($B) $ 514 $ 548
Average UPB ($B) $ 500 $ 526
60+ day delinquency rate

2.5

%

 

2.2

%

 

Annualized CPR

11.1

%

 

9.1

%

 

Annualized CPR, net of recapture

9.6

%

 

7.7

%

 

Modifications and workouts 14,448 10,645
 

Originations

The Originations segment focuses on creating servicing assets at attractive margins through existing customer relationships and correspondent originations. Excluding $5 million in business shutdown costs, Originations earned pretax income of $16 million in the fourth quarter. For the full year, Originations earned $94 million combined pretax income, or $99 million excluding business shutdown costs.

Funded loans totaled approximately $5.4 billion UPB, up 5% quarter-over-quarter, with $2.3 billion from the consumer direct channel and $3.2 billion from the correspondent channel.

   
Quarter Ended
($ in millions) Q3'18 Combined   Q4'18
Income before taxes $ 32 $ 11
Business shutdown costs     5
Pretax income excluding business shutdown costs $ 32 $ 16
 
   
Quarter Ended
($ in millions) Q3'18 Combined   Q4'18
Total pull through adjusted volume $ 5,027 $ 4,874
Funded volume $ 5,147 $ 5,425
Refinance recapture percentage 57 % 55 %
Recapture percentage 22 % 26 %
Purchase volume as a percentage of funded volume 53 % 58 %
 

Xome

Xome provides real estate solutions including property disposition, asset management, title, close, valuation, and field services to Mr. Cooper and third-party clients. The Xome segment recorded pretax loss of $(2) million during the fourth quarter, or $1 million net of adjustments. The decline in pretax income quarter-over-quarter was driven by the integration of Assurant Mortgage Solutions (AMS) and lower exchange property listings sold. The AMS impact in the fourth quarter was $7 million, up from $5 million in the prior quarter due to Xome incurring a full quarter of AMS results. For the full year, Xome earned $34 million combined pretax income or $29 million pretax income, net of adjustments.


   
Quarter Ended
($ in millions) Q3'18 Combined   Q4'18
Income (loss) before taxes $ 4 $ (2 )
Business shutdown costs 1 1
Asset sales (1 )
Intangible amortization     3  
Pretax income, net of adjustments $ 5 $ 1  
 
   
Quarter Ended
Q3'18 Combined   Q4'18
Exchange property listings sold 2,658 2,222
Exchange property listings at period end 6,917 6,177
Services orders completed 312,536 531,566
Percentage of revenue earned from third-party customers 49 % 57 %
 

Conference Call Webcast and Investor Presentation

The Company will host a conference call on March 7, 2019, at 9:00 A.M. Eastern Time. The conference call may be accessed by dialing 855-874-2685, or 720-634-2923 internationally. Please use the participant passcode 9057278 to access the conference call. A simultaneous audio webcast of the conference call will be available in the Investor section of www.mrcoopergroup.com. A replay will also be available by dialing 855-859-2056, or 404-537-3406 internationally. Please use the passcode 9057278 to access the replay. The replay will be accessible through March 21, 2019, at 1:00 P.M. Eastern Time. Additionally, the Company may use its website at www.mrcoopergroup.com as a distribution channel of material Company information.

Non-GAAP Financial Measures

The Company utilizes non-GAAP financial measures as the measures provide additional information to assist investors in understanding and assessing the Company’s and our business segments’ ongoing performance and financial results, as well as assessing our prospects for future performance. The non-GAAP measures facilitate a meaningful analysis and allow more accurate comparisons of our ongoing business operations because they exclude items that may not be indicative of or are unrelated to the Company’s and our business segments’ core operating performance, and are better measures for assessing trends in our underlying businesses. These items adjusted are consistent with how management views our businesses. Management uses these non-GAAP financial measures in making financial, operational and planning decisions and evaluating the Company’s and our business segment’s ongoing performance. We adjust pretax income (loss) in the servicing segment to eliminate the effects of mark-to-market adjustments which primarily reflects unrealized gains or losses based on the changes in fair value measurements of MSRs and their related financing liabilities for which a fair value accounting election was made. These adjustments, which can be highly volatile and material due to changes in credit markets, are not necessarily reflective of the gains and losses that will ultimately be realized by the Company. The pretax income in each segment also may eliminate, as applicable, transition and integration costs, gains (losses) on sales of fixed assets, certain settlement costs that are not considered normal operational matters, intangible amortization, and other adjustments based on the facts and circumstances that would provide investors a supplemental means for evaluating the Company’s core operating performance.


Forward Looking Statements

This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical or current fact included in this presentation that address activities, events, conditions or developments that we expect, believe or anticipate will or may occur in the future are forward-looking statements. Forward-looking statements give our current expectations and projections relating to our financial condition, results of operations, plans, objectives, future performance and business and these statements are not guarantees of future performance. Forward-looking statements may include the words “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,” “strategy,” “future,” “opportunity,” “may,” “should,” “will,” “would,” “will be,” “will continue,” “will likely result,” and similar expressions. Such forward-looking statements involve risks and uncertainties that may cause actual events, results or performance to differ materially from those indicated by such statements. Certain of these risks are identified and discussed in documents Mr. Cooper has filed or will file from time to time with the SEC. These risk factors will be important to consider in determining future results and should be reviewed in their entirety. These forward-looking statements are expressed in good faith, and Mr. Cooper believes there is a reasonable basis for them. However, the events, results or trends identified in these forward-looking statements may not occur or be achieved. Forward-looking statements speak only as of the date they are made, and Mr. Cooper is not under any obligation, and expressly disclaims any obligation, to update, alter or otherwise revise any forward-looking statement, except as required by law. Readers should carefully review the statements set forth in the reports that Mr. Cooper has filed or will file from time to time with the SEC.

Basis of Presentation

For purpose of Mr. Cooper's financial statement presentation, Mr. Cooper Group Inc. was determined to be the accounting acquirer in the WMIH Corp. merger. “Predecessor” financial information relates to Nationstar and “Successor” financial information relates to Mr. Cooper. The financial results for the three months ended December 31, 2018, reflect the results of the Successor. With respect to the three months ended September 30, 2018, the Company has presented the results on a “combined” basis by combining the financial results of the Predecessor for the period from July 1, 2018, through July 31, 2018, and the financial results of the Successor for the period from August 1, 2018, through September 30, 2018. Although the separate financial results of the Predecessor for the period from July 1, 2018, through July 31, 2018, and the Successor for the period from August 1, 2018, through September 30, 2018, are each separately presented under generally accepted accounting principles (“GAAP”) in the United States, the combined results reported reflect non-GAAP financial measures, because a different basis of accounting was used with respect to the financial results for the Predecessor as compared to the financial results of the Successor. The financial results for the period January 1, 2018, through July 31, 2018, reflect the results of the Predecessor.


Financial Tables

       
MR. COOPER GROUP INC. AND SUBSIDIARIES
UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS

(millions of dollars, except for earnings per share data)

 
Predecessor Successor Combined Successor
For the Period July 1-July 31, 2018 For the Period August 1-September 30, 2018 Three Months Ended September 30, 2018 Three Months Ended December 31, 2018
Revenues:
Service related, net $ 95 $ 235 $ 330 $ 347
Mark-to-market 25 24 49 (188 )
Net gain on mortgage loans held for sale   44     83     127     93  
Total revenues   164     342     506     252  
 
Total expenses 242 275 517 432
 
Other income (expense):
Interest income 48 90 138 166
Interest expense (53 ) (122 ) (175 ) (171 )
Other income (expenses)       6     6     7  
Total other income (expenses), net   (5 )   (26 )   (31 )   2  
Income before income tax expense (benefit) (83 ) 41 (42 ) (178 )
Income tax expense (benefit)   (19 )   (979 )   (998 )   (42 )
Net income (loss) attributable to Successor/Predecessor   (64 )   1,020     956     (136 )
Undistributed earnings attributable to participating stockholders       9     9      
Net income (loss) attributable to Mr. Cooper Group $ (64 ) $ 1,011   $ 947   $ (136 )
 
 
 
Earnings (loss) per share attributable to common stockholders:
Basic $ (0.65 ) $ 11.13 $ (1.50 )
Diluted $ (0.65 ) $ 10.99 $ (1.50 )
Weighted average shares of common stock outstanding (in thousands):
Basic 98,164 90,808 90,816
Diluted 98,164 91,992 90,816
 

   
MR. COOPER GROUP INC. AND SUBSIDIARIES
UNAUDITED CONSOLIDATED BALANCE SHEETS

(millions of dollars)

 
Successor Successor
September 30, 2018 December 31, 2018
Assets
Cash and cash equivalents $ 198 $ 242
Restricted cash 332 319
Mortgage servicing rights 3,500 3,676
Advances and other receivables, net 1,174 1,194
Reverse mortgage interests, net 8,886 7,934
Mortgage loans held for sale at fair value 1,681 1,631
Mortgage loans held for investment 122 119
Property and equipment, net 102 96
Deferred tax asset 934 967
Other assets   799   795
Total assets $ 17,728 $ 16,973
 
Liabilities and Stockholders' Equity
Unsecured senior notes, net $ 2,457 $ 2,459
Advance facilities, net 596 595
Warehouse facilities, net 2,888 2,349
Payables and accrued liabilities 1,342 1,543
MSR related liabilities - nonrecourse at fair value 1,123 1,216
Mortgage servicing liabilities 79 71
Other nonrecourse debt, net   7,165   6,795
Total liabilities 15,650 15,028
Total stockholders' equity   2,078   1,945
Total liabilities and stockholders' equity $ 17,728 $ 16,973
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Combined
Three Months Ended for September 30, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 280 $ 14 $ 95 $ $ (10 ) $ 379
Net gain on mortgage loans held for sale       117             10     127  
Total revenues   280     131     95             506  
Total expenses 230 100 90 97 517
Other income (expense):
Interest income 119 16 3 138
Interest expense (109 ) (16 ) (1 ) (49 ) (175 )
Other expense   5     1                 6  
Total other income (expense)   15     1     (1 )   (46 )       (31 )
Pretax income (loss) $ 65   $ 32   $ 4   $ (143 ) $   $ (42 )
 
Non-GAAP Reconciliation:
Pretax income (loss) $ 65 $ 32 $ 4 $ (143 ) $ $ (42 )
Mark-to-market (49 ) (49 )
Business shutdown costs 1 1
Merger related costs 59 64 123
Intangible amortization               9         9  
Pretax income (loss), net of adjustments $ 75   $ 32   $ 5   $ (70 ) $   $ 42  
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Predecessor
For the Period July 1-July 31, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 97 $ 4 $ 22 $ $ (3 ) $ 120
Net gain on mortgage loans held for sale       41           3     44  
Total revenues   97     45     22           164  
Total expenses 126 34 19 63 242
Other income (expense):
Interest income 41 6 1 48
Interest expense (35 ) (6 ) (12 ) (53 )
Other expense                      
Total other income (expense)   6           (11 )       (5 )
Pretax income (loss) $ (23 ) $ 11   $ 3 $ (74 ) $   $ (83 )
 
Income tax benefit   19  
Net loss (64 )
Undistributed earnings attributable to participating stockholders    
Net loss attributable to common stockholders of Mr. Cooper Group $ (64 )
Loss per share
Basic $ (0.65 )
Diluted $ (0.65 )
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Successor
For the Period August 1 - September 30, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 183 $ 10 $ 73 $ $ (7 ) $ 259
Net gain on mortgage loans held for sale       76             7     83  
Total revenues   183     86     73             342  
Total expenses 104 66 71 34 275
Other income (expense):
Interest income 78 10 2 90
Interest expense (74 ) (10 ) (1 ) (37 ) (122 )
Other expense   5     1                 6  
Total other income (expense)   9     1     (1 )   (35 )       (26 )
Pretax income (loss) $ 88   $ 21   $ 1   $ (69 ) $   $ 41
 
Income tax benefit   979  
Net income 1,020
Undistributed earnings attributable to participating stockholders   9  
Net income attributable to common stockholders of Mr. Cooper Group $ 1,011  
Earnings per share
Basic $ 11.13  
Diluted $ 10.99  
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Successor
Three Months Ended for December 31, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 53 $ 14 $ 104 $ $ (12 ) $ 159
Net gain on mortgage loans held for sale       81             12     93  
Total revenues   53     95     104             252  
Total expenses 199 89 107 37 432
Other income (expense):
Interest income 144 17 5 166
Interest expense (99 ) (16 ) (56 ) (171 )
Other expense   1     4     1     1         7  
Total other income (expense)   46     5     1     (50 )       2  
Pretax income (loss) $ (100 ) $ 11   $ (2 ) $ (87 ) $   $ (178 )
 
Income tax benefit   42  
Net loss (136 )
Undistributed earnings attributable to participating stockholders    
Net loss attributable to common stockholders of Mr. Cooper Group $ (136 )
Loss per share
Basic $ (1.50 )
Diluted $ (1.50 )
 
Non-GAAP Reconciliation:
Pretax income (loss) $ (100 ) $ 11 $ (2 ) $ (87 ) $ $ (178 )
Mark-to-market 188 188
Business shutdown costs 5 1 6
Merger related costs 4 4
Asset sales (1 ) (1 )
Intangible amortization           3     11         14  
Pretax income (loss), net of adjustments $ 88   $ 16   $ 1   $ (72 ) $   $ 33  
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Combined
Year Ended for December 31, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 976 $ 60 $ 326 $ 1 $ (44 ) $ 1,319
Net gain on mortgage loans held for sale       427             44     471  
Total revenues   976     487     326     1         1,790  
Total expenses 777 400 301 174 1,652
Other income (expense):
Interest income 510 65 14 589
Interest expense (441 ) (63 ) (1 ) (176 ) (681 )
Other expense   5     5     10     (1 )       19  
Total other income (expense)   74     7     9     (163 )       (73 )
Pretax income (loss) $ 273   $ 94   $ 34   $ (336 ) $   $ 65  
 
Non-GAAP Reconciliation:
Pretax income (loss) $ 273 $ 94 $ 34 $ (336 ) $ $ 65
Mark-to-market (32 ) (32 )
Business shutdown costs 5 2 7
Merger related costs 59 73 132
Asset sales (10 ) (10 )
Intangible amortization           3     20         23  
Pretax income (loss), net of adjustments $ 300   $ 99   $ 29   $ (243 ) $   $ 185  
 

           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Successor
For the Period August 1-December 31, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
Service related, net $ 236 $ 24 $ 177 $ $ (19 ) $ 418
Net gain on mortgage loans held for sale       157             19     176  
Total revenues   236     181     177             594  
Total expenses 303 155 178 71 707
Other income (expense):
Interest income 222 27 7 256
Interest expense (173 ) (26 ) (1 ) (93 ) (293 )
Other expense   6     5     1     1         13  
Total other income (expense)   55     6         (85 )       (24 )
Pretax income (loss) $ (12 ) $ 32   $ (1 ) $ (156 ) $   $ (137 )
 
Income tax benefit   1,021  
Net income 884

Undistributed earnings attributable to participating stockholders(1)

  8  
Net income attributable to common stockholders of Mr. Cooper Group $ 876  
Earnings per share
Basic $ 9.65  
Diluted $ 9.54  

(1) Due to the loss during the fourth quarter of 2018, the Company did not allocate the losses to participating stockholders, therefore the combined year to date undistributed earnings attributable to participating stockholders may not equal the sum of the periods.


           
UNAUDITED SEGMENT STATEMENT OF
OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)

 
Predecessor
For the Period January 1 - July 31, 2018
Servicing Originations Xome Corporate and Other Elim. Consolidated
 
REVENUES:
Service related, net $ 740 $ 36 $ 149 $ 1 $ (25 ) $ 901
Net gain on mortgage loans held for sale       270           25     295  
Total revenues   740     306     149   1         1,196  
Total expenses 474 245 123 103 945
Other income (expense):
Interest income 288 38 7 333
Interest expense (268 ) (37 ) (83 ) (388 )
Other expense   (1 )       9   (2 )       6  
Total other income (expense)   19     1     9   (78 )       (49 )
Pretax income (loss) $ 285   $ 62   $ 35 $ (180 ) $   $ 202
 
Income tax expense   48  
Net income 154
Undistributed earnings attributable to participating stockholders    
Net income attributable to common stockholders of Mr. Cooper Group $ 154  
Earnings per share
Basic $ 1.57  
Diluted $ 1.55  

CONTACT:
Investor Contact:
Kenneth Posner, SVP Strategic Planning and Investor Relations
(469) 426-3633
Shareholders@mrcooper.com

Media Contact:
Christen Reyenga, VP Corporate Communications
MediaRelations@mrcooper.com

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