FAY SERVICING, LLC
FAY SERVICING, LLC received 613 applications in 2025 and made 102 mortgages, in 308 counties across 34 states. The median rate its borrowers got was 6.875% on a median loan of $230,000. Of 277 decisions, 158 were denials — 57.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D0H09HSURFXA20 |
|---|---|
| Applications received | 613 |
| Mortgages made | 102 |
| Denied | 158 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 336 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.306 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 16 | 7.500% | $230,000 | 14.3% |
| Refinancing | 23 | 6.500% | $265,000 | 67.4% |
| Cash-out refinancing | 63 | 6.875% | $205,000 | 56.3% |
Where FAY SERVICING, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sacramento County, CA | 7 | Under 10 loans | 0.0% |
| Danville city, VA | 5 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 60.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 57.1% |
| Henrico County, VA | 3 | Under 10 loans | 0.0% |
| Petersburg city, VA | 3 | Under 10 loans | 25.0% |
| Richmond city, VA | 3 | Under 10 loans | 25.0% |
| Duval County, FL | 2 | Under 10 loans | 33.3% |
| Miami-Dade County, FL | 2 | Under 10 loans | 71.4% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 33.3% |
| Harris County, TX | 2 | Under 10 loans | 60.0% |
| Fairfax County, VA | 2 | Under 10 loans | 33.3% |
| Hopewell city, VA | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Napa County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 50.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 50.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 50.0% |
| Bryan County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 75.0% |
| Lamar County, GA | 1 | Under 10 loans | 0.0% |
| Muscogee County, GA | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 50.0% |
| Owen County, KY | 1 | Under 10 loans | 0.0% |
| Pulaski County, KY | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Washoe County, NV | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Avery County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 0.0% |
| Gaston County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.