Fay Servicing LLC Mortgage Lending & HMDA Data, 2025
In 2025, Fay Servicing LLC of Tampa, FL reported 613 mortgage applications totaling $234.6 million, up 192% from 2024. The average application was for $382,683, and applicants reported an average income of $219,486. 17% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Chicago-Naperville, IL (30), Dallas-Plano-Irving, TX (25) and Los Angeles-Long Beach-Glendale, CA (24) (applications in parentheses).
| Mortgage Company & Address | Fay Servicing LLC Tampa, FL 33609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 613 |
| Total Mortgage Loan Application Amount | $234,585,000 |
| Average Mortgage Loan Application Amount | $382,683 |
| Highest Mortgage Loan Application Amount | $2,905,000 |
| Average Applicant Income | $219,486 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fay Servicing LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Fay Servicing LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 293 | $88,235,000 | $301,000 | $2,105,000 | $145,000 | $3,231,000 |
| Refinancing | 290 | $134,120,000 | $462,000 | $2,905,000 | $298,000 | $6,000,000 |
| Home Purchase | 30 | $12,230,000 | $407,000 | $1,325,000 | $188,000 | $540,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 255 | $109,115,000 | $427,000 | $2,905,000 | $274,000 | $6,000,000 |
| Black or African American | 107 | $25,355,000 | $236,000 | $1,155,000 | $104,000 | $514,000 |
| Hispanic | 98 | $39,640,000 | $404,000 | $1,975,000 | $198,000 | $3,300,000 |
| Not Provided | 63 | $21,975,000 | $348,000 | $1,685,000 | $187,000 | $2,474,000 |
| Not applicable | 46 | $14,660,000 | $318,000 | $1,155,000 | $0 | $0 |
| Asian | 39 | $21,765,000 | $558,000 | $1,725,000 | $323,000 | $2,196,000 |
| American Indian or Alaskan Native | 3 | $995,000 | $331,000 | $575,000 | $115,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,080,000 | $540,000 | $915,000 | $123,000 | $213,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 501 | $205,395,000 | $409,000 | $2,905,000 | $252,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 97 | $24,525,000 | $252,000 | $1,025,000 | $91,000 | $375,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,665,000 | $311,000 | $615,000 | $132,000 | $338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 194 | $92,330,000 | $475,000 | $2,905,000 | $349,000 | $6,000,000 |
| Application Denied By Financial Institution | 158 | $45,220,000 | $286,000 | $1,275,000 | $93,000 | $660,000 |
| File Closed For Incompleteness | 142 | $60,150,000 | $423,000 | $2,425,000 | $246,000 | $2,713,000 |
| Loan Originated | 102 | $29,760,000 | $291,000 | $1,405,000 | $124,000 | $671,000 |
| Application Approved But Not Accepted | 17 | $7,125,000 | $419,000 | $1,155,000 | $97,000 | $225,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 455 | $189,365,000 | $416,000 | $2,905,000 | $269,000 | $6,000,000 |
| Debt-To-Income Ratio | 77 | $25,515,000 | $331,000 | $1,275,000 | $68,000 | $300,000 |
| Credit History | 55 | $13,975,000 | $254,000 | $925,000 | $120,000 | $660,000 |
| Collateral | 18 | $3,390,000 | $188,000 | $395,000 | $104,000 | $378,000 |
| Other | 5 | $1,535,000 | $307,000 | $505,000 | $90,000 | $180,000 |
| Credit Application Incomplete | 3 | $805,000 | $268,000 | $385,000 | $216,000 | $348,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fay Servicing LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fay Servicing LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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