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Act (HMDA) records Fay Servicing LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Fay Servicing LLC by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 56 $ 11,800,000 $ 210,714 $ 149,129
Chicago-Naperville, IL 30 $ 8,180,000 $ 272,666 $ 128,000
Dallas-Plano-Irving, TX 25 $ 9,405,000 $ 376,200 $ 350,000
Los Angeles-Long Beach-Glendale, CA 24 $ 17,310,000 $ 721,250 $ 372,000
Atlanta-Sandy Springs-Roswell, GA 18 $ 7,060,000 $ 392,222 $ 186,000
Richmond, VA 17 $ 3,915,000 $ 230,294 $ 104,000
Miami-Miami Beach-Kendall, FL 15 $ 10,005,000 $ 667,000 $ 262,000
Orlando-Kissimmee-Sanford, FL 15 $ 6,955,000 $ 463,666 $ 185,000
Houston-The Woodlands-Sugar Land, TX 14 $ 3,460,000 $ 247,142 $ 205,000
Arlington-Alexandria-Reston, VA-WV 12 $ 5,850,000 $ 487,500 $ 170,000
Fort Worth-Arlington, TX 11 $ 3,255,000 $ 295,909 $ 156,000
Riverside-San Bernardino-Ontario, CA 11 $ 5,445,000 $ 495,000 $ 406,000
Jacksonville, FL 10 $ 2,670,000 $ 267,000 $ 131,000
Sacramento--Roseville--Arden-Arcade, CA 10 $ 4,250,000 $ 425,000 $ 366,000
Virginia Beach-Norfolk-Newport News, VA-NC 10 $ 1,670,000 $ 167,000 $ 55,000
Anaheim-Santa Ana-Irvine, CA 9 $ 9,595,000 $ 1,066,111 $ 225,000
Indianapolis-Carmel-Anderson, IN 8 $ 1,610,000 $ 201,250 $ 89,000
Minneapolis-St. Paul-Bloomington, MN-WI 8 $ 2,460,000 $ 307,500 $ 159,000
San Diego-Carlsbad, CA 8 $ 6,170,000 $ 771,250 $ 371,000
Tampa, FL 8 $ 2,540,000 $ 317,500 $ 136,000
West Palm Beach-Boca Raton-Delray Beach, FL 8 $ 6,170,000 $ 771,250 $ 921,000
Charlotte-Concord-Gastonia, NC-SC 6 $ 2,460,000 $ 410,000 $ 252,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 6 $ 2,740,000 $ 456,666 $ 247,000
Oakland-Hayward-Berkeley, CA 6 $ 6,880,000 $ 1,146,666 $ 1,442,000
San Francisco-Redwood City-South San Francisco, CA 6 $ 3,330,000 $ 555,000 $ 105,000
Savannah, GA 6 $ 1,420,000 $ 236,666 $ 101,000
Washington, DC-MD 6 $ 2,130,000 $ 355,000 $ 137,000
Baltimore-Columbia-Towson, MD 5 $ 1,155,000 $ 231,000 $ 76,000
Cincinnati, OH-KY-IN 5 $ 965,000 $ 193,000 $ 66,800
Nashville-Davidson--Murfreesboro--Franklin, TN 5 $ 1,925,000 $ 385,000 $ 297,000
Newark, NJ-PA 5 $ 2,435,000 $ 487,000 $ 211,000
Philadelphia, PA 5 $ 1,185,000 $ 237,000 $ 206,000
St. Louis, MO-IL 5 $ 965,000 $ 193,000 $ 104,200
Birmingham-Hoover, AL 4 $ 1,520,000 $ 380,000 $ 130,000
Kansas City, MO-KS 4 $ 1,080,000 $ 270,000 $ 198,250
Memphis, TN-MS-AR 4 $ 810,000 $ 202,500 $ 67,250
New Orleans-Metairie, LA 4 $ 740,000 $ 185,000 $ 70,000
North Port-Sarasota-Bradenton, FL 4 $ 1,400,000 $ 350,000 $ 212,000
Pittsburgh, PA 4 $ 580,000 $ 145,000 $ 84,000
Santa Rosa, CA 4 $ 2,620,000 $ 655,000 $ 284,000
Allentown-Bethlehem-Easton, PA-NJ 3 $ 725,000 $ 241,666 $ 66,000
Augusta-Richmond County, GA-SC 3 $ 965,000 $ 321,666 $ 209,333
Austin-Round Rock, TX 3 $ 2,015,000 $ 671,666 $ 829,000
Baton Rouge, LA 3 $ 685,000 $ 228,333 $ 377,000
Camden, NJ 3 $ 535,000 $ 178,333 $ 93,000
Columbus, GA-AL 3 $ 325,000 $ 108,333 $ 45,000
Columbus, OH 3 $ 705,000 $ 235,000 $ 78,000
Corpus Christi, TX 3 $ 465,000 $ 155,000 $ 112,000
Crestview-Fort Walton Beach-Destin, FL 3 $ 1,805,000 $ 601,666 $ 261,000
Detroit-Dearborn-Livonia, MI 3 $ 285,000 $ 95,000 $ 50,000
Fayetteville, NC 3 $ 725,000 $ 241,666 $ 101,000
Fresno, CA 3 $ 955,000 $ 318,333 $ 53,000
Grand Rapids-Wyoming, MI 3 $ 555,000 $ 185,000 $ 101,000
Lake County-Kenosha County, IL-WI 3 $ 1,265,000 $ 421,666 $ 146,000
Lake County-Porter County-Jasper County, IN 3 $ 425,000 $ 141,666 $ 145,000
Lakeland-Winter Haven, FL 3 $ 1,005,000 $ 335,000 $ 255,000
Lakewood-New Brunswick, NJ 3 $ 3,445,000 $ 1,148,333 $ 515,000
McAllen-Edinburg-Mission, TX 3 $ 425,000 $ 141,666 $ 65,000
New York-Jersey City-White Plains, NY-NJ 3 $ 1,615,000 $ 538,333 $ 152,000
San Antonio-New Braunfels, TX 3 $ 715,000 $ 238,333 $ 156,000
Wilmington, NC 3 $ 1,475,000 $ 491,666 $ 255,000
Atlantic City-Hammonton, NJ 2 $ 1,070,000 $ 535,000 $ 307,000
Bakersfield, CA 2 $ 490,000 $ 245,000 $ 58,000
Blacksburg-Christiansburg-Radford, VA 2 $ 210,000 $ 105,000 $ 51,000
Boulder, CO 2 $ 1,410,000 $ 705,000 $ 347,000
Charleston-North Charleston, SC 2 $ 330,000 $ 165,000 $ 44,000
Charlottesville, VA 2 $ 390,000 $ 195,000 $ 55,000
Chattanooga, TN-GA 2 $ 380,000 $ 190,000 $ 1,377,000
Clarksville, TN-KY 2 $ 290,000 $ 145,000 $ 69,000
Denver-Aurora-Lakewood, CO 2 $ 890,000 $ 445,000 $ 124,000
Durham-Chapel Hill, NC 2 $ 260,000 $ 130,000 $ 20,000
El Paso, TX 2 $ 260,000 $ 130,000 $ 40,000
Elgin, IL 2 $ 470,000 $ 235,000 $ 101,000
Fort Wayne, IN 2 $ 280,000 $ 140,000 $ 50,000
Greenville-Anderson-Mauldin, SC 2 $ 1,370,000 $ 685,000 $ 287,000
Logan, UT-ID 2 $ 410,000 $ 205,000 $ 0
Milwaukee-Waukesha-West Allis, WI 2 $ 220,000 $ 110,000 $ 72,000
Naples-Immokalee-Marco Island, FL 2 $ 950,000 $ 475,000 $ 149,000
Panama City, FL 2 $ 890,000 $ 445,000 $ 234,000
Pensacola-Ferry Pass-Brent, FL 2 $ 1,260,000 $ 630,000 $ 213,000
Raleigh, NC 2 $ 490,000 $ 245,000 $ 132,000
Roanoke, VA 2 $ 330,000 $ 165,000 $ 47,000
Salinas, CA 2 $ 1,500,000 $ 750,000 $ 156,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 2 $ 1,250,000 $ 625,000 $ 108,000
San Rafael, CA 2 $ 1,240,000 $ 620,000 $ 182,000
Scranton--Wilkes-Barre--Hazleton, PA 2 $ 790,000 $ 395,000 $ 343,000
St. Petersburg-Clearwater-Largo, FL 2 $ 380,000 $ 190,000 $ 65,000
Toledo, OH 2 $ 580,000 $ 290,000 $ 178,000
Visalia-Porterville, CA 2 $ 590,000 $ 295,000 $ 33,000
Warren-Troy-Farmington Hills, MI 2 $ 730,000 $ 365,000 $ 71,000
Asheville, NC 1 $ 345,000 $ 345,000 $ 193,000
Auburn-Opelika, AL 1 $ 125,000 $ 125,000 $ 43,000
Cleveland, OH 1 $ 75,000 $ 75,000 $ 92,000
Cleveland, TN 1 $ 285,000 $ 285,000 $ 240,000
Colorado Springs, CO 1 $ 375,000 $ 375,000 $ 2,474,000
Columbia, MO 1 $ 85,000 $ 85,000 $ 40,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 365,000 $ 365,000 $ 351,000
Dothan, AL 1 $ 305,000 $ 305,000 $ 64,000
El Centro, CA 1 $ 305,000 $ 305,000 $ 152,000
Evansville, IN-KY 1 $ 65,000 $ 65,000 $ 38,000
Flint, MI 1 $ 735,000 $ 735,000 $ 228,000
Fort Collins, CO 1 $ 585,000 $ 585,000 $ 190,000
Fort Smith, AR-OK 1 $ 175,000 $ 175,000 $ 109,000
Gainesville, GA 1 $ 285,000 $ 285,000 $ 180,000
Grants Pass, OR 1 $ 345,000 $ 345,000 $ 120,000
Gulfport-Biloxi-Pascagoula, MS 1 $ 165,000 $ 165,000 $ 91,000
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 1,285,000 $ 1,285,000 $ 456,000
Homosassa Springs, FL 1 $ 115,000 $ 115,000 $ 192,000
Huntington-Ashland, WV-KY-OH 1 $ 95,000 $ 95,000 $ 64,000
Iowa City, IA 1 $ 175,000 $ 175,000 $ 90,000
Johnson City, TN 1 $ 235,000 $ 235,000 $ 91,000
Kalamazoo-Portage, MI 1 $ 215,000 $ 215,000 $ 27,000
Killeen-Temple, TX 1 $ 225,000 $ 225,000 $ 80,000
Knoxville, TN 1 $ 1,325,000 $ 1,325,000 $ 504,000
Lafayette, LA 1 $ 245,000 $ 245,000 $ 114,000
Lawrence, KS 1 $ 265,000 $ 265,000 $ 15,000
Little Rock-North Little Rock-Conway, AR 1 $ 205,000 $ 205,000 $ 159,000
Louisville/Jefferson County, KY-IN 1 $ 435,000 $ 435,000 $ 300,000
Marietta, GA 1 $ 705,000 $ 705,000 $ 840,000
Merced, CA 1 $ 295,000 $ 295,000 $ 0
Michigan City-La Porte, IN 1 $ 1,005,000 $ 1,005,000 $ 659,000
Mobile, AL 1 $ 305,000 $ 305,000 $ 72,000
Modesto, CA 1 $ 705,000 $ 705,000 $ 180,000
Montgomery County-Bucks County-Chester County, PA 1 $ 275,000 $ 275,000 $ 52,000
Montgomery, AL 1 $ 145,000 $ 145,000 $ 79,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 145,000 $ 145,000 $ 141,000
Napa, CA 1 $ 725,000 $ 725,000 $ 250,000
Ocala, FL 1 $ 235,000 $ 235,000 $ 37,000
Odessa, TX 1 $ 655,000 $ 655,000 $ 408,000
Oklahoma City, OK 1 $ 325,000 $ 325,000 $ 264,000
Omaha-Council Bluffs, NE-IA 1 $ 175,000 $ 175,000 $ 458,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 705,000 $ 705,000 $ 384,000
Palm Bay-Melbourne-Titusville, FL 1 $ 275,000 $ 275,000 $ 54,000
Port St. Lucie, FL 1 $ 445,000 $ 445,000 $ 163,000
Portland-Vancouver-Hillsboro, OR-WA 1 $ 435,000 $ 435,000 $ 265,000
Punta Gorda, FL 1 $ 345,000 $ 345,000 $ 338,000
Reno, NV 1 $ 225,000 $ 225,000 $ 0
Rocky Mount, NC 1 $ 225,000 $ 225,000 $ 240,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 505,000 $ 505,000 $ 64,000
Santa Maria-Santa Barbara, CA 1 $ 1,575,000 $ 1,575,000 $ 420,000
Seattle-Bellevue-Everett, WA 1 $ 405,000 $ 405,000 $ 75,000
Sebastian-Vero Beach, FL 1 $ 295,000 $ 295,000 $ 140,000
Sebring, FL 1 $ 195,000 $ 195,000 $ 117,000
Sherman-Denison, TX 1 $ 1,215,000 $ 1,215,000 $ 322,000
Shreveport-Bossier City, LA 1 $ 65,000 $ 65,000 $ 32,000
Slidell-Mandeville-Covington, LA 1 $ 1,705,000 $ 1,705,000 $ 936,000
South Bend-Mishawaka, IN-MI 1 $ 195,000 $ 195,000 $ 153,000
Spartanburg, SC 1 $ 45,000 $ 45,000 $ 72,000
Springfield, MO 1 $ 325,000 $ 325,000 $ 70,000
Stockton-Lodi, CA 1 $ 505,000 $ 505,000 $ 420,000
Tallahassee, FL 1 $ 125,000 $ 125,000 $ 166,000
Terre Haute, IN 1 $ 45,000 $ 45,000 $ 46,000
Trenton, NJ 1 $ 765,000 $ 765,000 $ 150,000
Tulsa, OK 1 $ 165,000 $ 165,000 $ 55,000
Vallejo-Fairfield, CA 1 $ 625,000 $ 625,000 $ 130,000
Waco, TX 1 $ 185,000 $ 185,000 $ 212,000
Washington-Baltimore-Arlington, DC 1 $ 345,000 $ 345,000 $ 0
Wichita, KS 1 $ 45,000 $ 45,000 $ 31,000
Wilmington, DE-MD-NJ 1 $ 305,000 $ 305,000 $ 100,000
Winston-Salem, NC 1 $ 115,000 $ 115,000 $ 78,000
Youngstown-Warren-Boardman, OH-PA 1 $ 105,000 $ 105,000 $ 59,000

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.
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