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Our Values

With nearly 4 million customers, we are a proud leader in the home loan servicing industry. But are we content? No way. Every day we challenge convention and reimagine the home loan experience for the better. It’s what makes us who we are.

We’re Challengers of Convention image

We’re Challengers of Convention

Challenging the status quo is in our DNA. We’re ditching the old ways and reimagining what homeownership should look like in the era of smart phones, Mars missions, and avocado toast.

We’re Champions for Our Customers image

We’re Champions for Our Customers

Giving homeowners the best experience possible is the reason we come to work. We believe in honesty, simplicity, and always having our customer’s back.

We’re Cheerleaders for Our Team image

We’re Cheerleaders for Our Team

Transforming an industry takes a world-class team. Ours is over 9,000 Coopers strong. Creating a place where they love to work isn’t just an HR goal — it’s part of Mr. Cooper’s mission.


Catch our Vision

We’re here to keep the dream of homeownership alive. That means throwing out the old ways and revolutionizing the way people sell, buy and own their homes using the latest technology and good old fashioned customer service.

At Mr. Cooper and Xome we see a world where homeownership is less worrisome and more rewarding, where having a mortgage is no longer a burden but an opportunity, where homeowners feel 100% in control of their finances and future.

Our Brands

Mr. Cooper Group Inc. (NASDAQ: COOP) provides quality servicing, origination and transaction-based services related principally to single-family residences throughout the United States with operations under its primary brands: Mr. Cooper® and Xome®.  Mr. Cooper is one of the largest home loan servicers in the country focused on delivering a variety of servicing and lending products, services and technologies. Xome provides technology and data enhanced solutions to homebuyers, home sellers, real estate agents and mortgage companies.

As of October 10, 2018, Mr. Cooper Group Inc. is the new name of WMIH Corp. On July 31, 2018, WMIH, now Mr. Cooper Group, became the parent company of Mr. Cooper and Xome.

Over the last few years, we have transformed from the inside and cultivated a people-first culture, utilizing team member feedback to drive new initiatives. From reimagining the new hire orientation process to expanding our diversity and inclusion programs, Mr. Cooper Group is all about empowering our people. We believe that a happy team leads to happy customers.

Executive Leadership

"At Mr. Cooper Group, we know that our team members are what makes us so great. Our culture here is a top priority, and we have taken big steps over the last couple of years to transform it, as well as the customer experience and the home loan industry as a whole. Whether it’s conducting surveys for team member feedback, contributing to our team member’s down payments on homes or championing diversity and inclusion, we are dedicated to making Mr. Cooper Group a great place to work for everyone, with a culture that empowers our team members to be champions for our customers, cheerleaders for our team and challengers of convention in everything that they do."

Kelly Ann Doherty —EVP, Chief People & Communications Officer

Jay Bray

Chairman, President & Chief Executive Officer

Jay Bray serves as the Chairman, President and Chief Executive Officer of Mr. Cooper Group. He also serves as President and CEO for Nationstar. Jay has also served in various leadership roles at Nationstar since joining the company in 2000.

Jay has nearly 25 years of experience in the mortgage servicing and originations industry. From 1988 to 1994, he worked with Arthur Andersen in Atlanta, Georgia, where he served as an audit manager from 1992 to 1994. From 1994 to 2000, Jay held a variety of leadership roles at Bank of America and predecessor entities, where he managed the asset backed securitization process for mortgage-related products, developed and implemented a secondary execution strategy and profitability plan and managed investment banking relationships, secondary marketing operations and investor relations. Additionally, Jay led the portfolio acquisition, pricing and modeling group at Bank of America.

He holds a B.A.A. in Accounting from Auburn University and is a Certified Public Accountant in the State of Georgia.

Christopher Marshall

Vice Chairman & Chief Financial Officer

Christopher Marshall serves as Vice Chairman and Chief Financial Officer of Mr. Cooper Group. Chris joined Mr. Cooper in January 2019 from Tax Guard Inc. where he served as Executive Chairman. Previously he was with Capital Bank Financial Corp. where he served as co-founder and CFO since 2009. Through his leadership, Capital Bank grew from a start-up business to $10 billion in assets and was sold for $2.2 billion. Chris also successfully led the company through its IPO as well as the acquisition and integration of eight community banks.

Previously, Chris served as Chief Restructuring Officer and Senior Advisor to the CEO at GMAC, Inc., now Ally Financial, Inc. He also served as an advisor to The Blackstone Group L.P. providing advice and analysis for potential investments in the banking sector. From 2006 through 2008, Chris served as CFO at Fifth Third Bancorp. Prior to that, Chris served in various senior leadership roles at Bank of America Corporation, Honeywell International Inc., AlliedSignal Technical Services Corporation and TRW, Inc.

Chris holds a B.S. in Finance from the University of Florida and an M.B.A. from Pepperdine University.

Tony Ebers

Executive Vice President & Chief Operating Officer

Tony Ebers serves as Executive Vice President and Chief Operating Officer of Mr. Cooper Group. Tony joined Nationstar in 2015 and was most recently the company’s Chief Operating Officer, a role he assumed in April 2018 after serving as Executive Vice President of Originations.

Tony has held key leadership positions in mortgage lending, servicing and real estate transaction related services spanning a more than 25-year career. In 2015, he served as the Originations Division President at ServiceLink, a Black Knight company. Prior to ServiceLink, Tony served as Executive Vice President of Mortgage Lending and Servicing at OneWest Bank from 2009-2015. Tony also served as Executive Vice President and COO at IndyMac Bank from 2002-2009, managing retail banking, consumer lending, mortgage operations and home loan servicing.

Tony holds a B.S. in Business Administration, Finance and Banking with an emphasis in economics from the University of Missouri-Columbia.


Kelly Ann Doherty

EVP and Chief People & Communications Officer

Kelly Ann serves as EVP and Chief People & Communications Officer for Mr. Cooper Group overseeing all facets of human resources and corporate communications. As the leader of our People organization, she also leads our culture initiatives to create a more encouraging and empowering work environment.

Kelly Ann is a strategic leader, seasoned in navigating the landscape of the financial services industry. She joined Nationstar in 2016 as Senior Vice President of Corporate Communications where she led the corporate internal and external repositioning as the company rebranded from Nationstar to Mr. Cooper, while simultaneously managing the company’s public affairs narrative, employee communications and the merger with WMIH. Through varying leadership roles in the financial services sector, Kelly Ann has served as a crisis spokesperson, public affairs expert, communications innovator and executive counselor.

Previously, she served as Vice President of Corporate Communications at Elevate, a financial technology firm. She also served as a public relations and affairs consultant for four years and as a strategic communication staffer for a Presidential campaign and within President George W. Bush’s administration with a tour at the White House in Presidential Personnel and N.A.S.A. as a political appointee. Kelly Ann is also active in the community, serving on the Board of Directors for The Women’s Center of Tarrant County.

Kelly Ann holds a B.A. from George Washington University in International Media and Communications.

Kurt Johnson

Chief Credit Officer

Kurt Johnson serves as Chief Credit Officer, responsible for setting all Credit Risk related policy and governance.

With over 20 years of experience in the mortgage-banking industry, he joined the company in 2015. Prior to coming aboard, Johnson spent six years as Executive Vice President at OneWest Bank and nearly a decade as Senior Vice President at Indymac Bank, where he helped develop a streamline modification program that served as the template for HAMP.

He holds a bachelor’s degree in Economics and Math from Occidental College and a master’s degree in Business Administration and Finance from Cornell University.

Neenu Kainth

Chief Digital Officer

Neenu Kainth serves as Chief Digital Officer for Mr. Cooper Group and is responsible for the development of the company’s customer experience roadmap as well as product and digital offerings including the customer-facing voice, website and mobile applications.

Neenu joined the company in 2015 and previously served as Senior Vice President, Digital Product Management. Prior to that, Neenu held senior roles at Verizon and Comcast where she was responsible for the growth of digital products including product management, technology development, pricing, revenue, and cost management.

Neenu holds a bachelor’s and master’s degree in Computer Science from Arizona State University and an MBA from the Wharton School of Business at University of Pennsylvania.

Glenn Onstad

Chief Audit Executive

Glenn Onstad serves as Chief Audit Executive for Mr. Cooper Group. He joined Nationstar in 2016 in the same role, bringing nearly 30 years of internal audit, risk and finance experience, with emphasis in the mortgage industry since 2004.

Glenn previously served in various internal audit leadership positions, including Chief Audit Executive for Ocwen Financial Corporation, Senior Audit Director for Capital One Financial Services, and SVP, Governance, Risk and Control for Bank of America Home Loans. Before entering the mortgage and financial services industry in 2004, Glenn served in internal audit and financial leadership roles in the consumer products, regulated electric utility, telecommunication and public accounting industries dating back to 1989.

Glenn earned both M.B.A. and B.B.A. degrees from University of Texas, Arlington, and holds CPA, CIA, CISA, and CMA credentials.

Michael Rawls

Executive Vice President & Chief Executive Officer, Xome

Mike Rawls serves as Executive Vice President & Chief Executive Officer of Xome. Prior to joining Xome in 2020, Mike served as the Executive Vice President of Servicing for Mr. Cooper Group, where he held operational responsibility for the company’s entire servicing portfolio. Since joining the company in 2000, Mike has served in several leadership positions including as President of Champion Mortgage and senior roles in the company’s originations channels.

Previously, Mike held leadership roles at Banc One Financial Services from 1997 to 1999 and at Household Financial Services from 1991 to 1997.

Mike received a B.A. in Business Management from Virginia Wesleyan College.

Sridhar Sharma

Executive Vice President & Chief Information Officer

Sridhar Sharma is Executive Vice President and Chief Information Officer for Mr. Cooper Group, where he is responsible for applications and technology operations. Sridhar joined Nationstar in 2015 in the same role.

Sridhar has nearly 20 years of experience leading technology and product engineering functions. He previously served as the Chief Technology Officer for Ugam Solutions in Dallas. Before that, he was the Chief Evangelist and Architect for the Products and Platforms group at Infosys.

Sridhar earned a B.S. in Electronics and Communication Engineering from the University of Mysore, India, and a M.B.A. degree from Cornell University in New York.

They Say, “It’s All About Location.” We Agree.


Located in the heart of the DFW Metroplex, our six Dallas area Mr. Cooper and Xome offices are home to our famous Artist-In-Residence program, the largest collection of local art in the area. The walls in these offices are covered in paintings, sculptures, art installations, and a few things we’re pretty sure there aren’t even names for yet. Like that one on the second floor. You’ll see what we mean.


With just a ten mile drive to the coast it’s no wonder we selected Santa Ana for one of our many fun locations. Over 750 of our talented team members call Santa Ana’s facility home. Our building there was fully renovated two years ago with a super hip, trendy vibe. We have a full gym, game room and a laid back environment. And, we love California so much you can drive 14 miles South to see our Xome facility in Newport Beach.


Longview is a small East Texas town on the fast track to growth. And so is this Mr. Cooper office that’s been a part of this community for several years. we love the GOOD-HEARTED TEXAS that make our servicing tops in the industry. Coopers know that our customers work hard for their homes, and our Longview team is just as dedicated to helping them achieve their goals. Leading Customer service and responding to the challenges of home ownership in a changing world has put this team at the top of the chart.


Did you know that Chandler was named the 12th best place to run and the 10th best place to fitness walk? Now you do. So it goes without saying the Coopers in Chandler aren’t standing around. This team is hustling daily to meet the needs of our customers- on time, with tremendous dedication and service.


Our offices in Chennai and Bengaluru have smartly blended form and function. Think vibrant hues, soft lights, walls jazzed up with murals, informal common spaces, and high-spirited people. Our office is our home and like they say, there’s no place like home!