Fay Servicing LLC Mortgage Lending & HMDA Data, 2022
In 2022, Fay Servicing LLC of Tampa, FL reported 1,378 mortgage applications totaling $381.6 million, down 35% from 2021. The average application was for $276,923, and applicants reported an average income of $79,351. 41% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (128), Virginia Beach-Norfolk-Newport News, VA-NC (71) and Riverside-San Bernardino-Ontario, CA (70) (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 | 1,378 |
| Total Mortgage Loan Application Amount | $381,600,000 |
| Average Mortgage Loan Application Amount | $276,923 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $79,351 |
| Highest Applicant Income | $1,157,000 |
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Act (HMDA) records Fay Servicing LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 128 | $ 49,220,000 | $ 384,531 | $ 0 |
| Outside any metro area | 122 | $ 19,240,000 | $ 157,704 | $ 72,529 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 71 | $ 12,555,000 | $ 176,830 | $ 31,281 |
| Riverside-San Bernardino-Ontario, CA | 70 | $ 23,380,000 | $ 334,000 | $ 66,000 |
| Chicago-Naperville, IL | 43 | $ 8,855,000 | $ 205,930 | $ 85,000 |
| Atlanta-Sandy Springs-Roswell, GA | 39 | $ 7,075,000 | $ 181,410 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 21,720,000 | $ 571,578 | $ 57,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 34 | $ 9,720,000 | $ 285,882 | $ 100,705 |
| San Diego-Carlsbad, CA | 32 | $ 24,690,000 | $ 771,562 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 26 | $ 6,350,000 | $ 244,230 | $ 79,000 |
| Richmond, VA | 23 | $ 4,965,000 | $ 215,869 | $ 46,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 21 | $ 9,655,000 | $ 459,761 | $ 45,000 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 3,410,000 | $ 170,500 | $ 74,750 |
| Fresno, CA | 20 | $ 5,060,000 | $ 253,000 | $ 20,000 |
| Newark, NJ-PA | 20 | $ 5,710,000 | $ 285,500 | $ 88,700 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 5,555,000 | $ 292,368 | $ 145,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 5,660,000 | $ 314,444 | $ 159,000 |
| Baltimore-Columbia-Towson, MD | 16 | $ 3,290,000 | $ 205,625 | $ 86,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 2,600,000 | $ 162,500 | $ 70,000 |
| Oakland-Hayward-Berkeley, CA | 15 | $ 7,055,000 | $ 470,333 | $ 33,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 2,290,000 | $ 163,571 | $ 79,000 |
| Jacksonville, FL | 13 | $ 1,835,000 | $ 141,153 | $ 66,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 2,135,000 | $ 164,230 | $ 37,000 |
| New York-Newark, NY | 13 | $ 3,395,000 | $ 261,153 | $ 115,000 |
| Philadelphia, PA | 13 | $ 2,085,000 | $ 160,384 | $ 59,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 3,320,000 | $ 276,666 | $ 140,000 |
| Dallas-Plano-Irving, TX | 11 | $ 2,215,000 | $ 201,363 | $ 109,000 |
| Kansas City, MO-KS | 11 | $ 1,575,000 | $ 143,181 | $ 75,181 |
| Memphis, TN-MS-AR | 10 | $ 1,570,000 | $ 157,000 | $ 52,600 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 2,205,000 | $ 245,000 | $ 99,000 |
| New York-Jersey City-White Plains, NY-NJ | 9 | $ 3,515,000 | $ 390,555 | $ 124,000 |
| Pittsburgh, PA | 9 | $ 1,765,000 | $ 196,111 | $ 103,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 9,345,000 | $ 1,038,333 | $ 93,000 |
| St. Louis, MO-IL | 9 | $ 1,505,000 | $ 167,222 | $ 74,777 |
| Tucson, AZ | 9 | $ 3,475,000 | $ 386,111 | $ 0 |
| Bakersfield, CA | 8 | $ 1,780,000 | $ 222,500 | $ 12,000 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 1,260,000 | $ 157,500 | $ 61,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,220,000 | $ 152,500 | $ 69,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 3,540,000 | $ 442,500 | $ 93,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,380,000 | $ 172,500 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,990,000 | $ 373,750 | $ 259,000 |
| Baton Rouge, LA | 7 | $ 1,175,000 | $ 167,857 | $ 62,000 |
| Camden, NJ | 7 | $ 1,705,000 | $ 243,571 | $ 92,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,075,000 | $ 153,571 | $ 65,000 |
| Tacoma-Lakewood, WA | 7 | $ 2,295,000 | $ 327,857 | $ 108,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 4,230,000 | $ 705,000 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 2,870,000 | $ 478,333 | $ 91,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,130,000 | $ 188,333 | $ 96,000 |
| Lakeland-Winter Haven, FL | 6 | $ 940,000 | $ 156,666 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,410,000 | $ 235,000 | $ 69,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,470,000 | $ 245,000 | $ 139,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 4,810,000 | $ 801,666 | $ 107,000 |
| Winston-Salem, NC | 6 | $ 1,160,000 | $ 193,333 | $ 56,000 |
| Austin-Round Rock, TX | 5 | $ 1,545,000 | $ 309,000 | $ 197,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 835,000 | $ 167,000 | $ 94,000 |
| East Stroudsburg, PA | 5 | $ 1,005,000 | $ 201,000 | $ 81,000 |
| Elgin, IL | 5 | $ 945,000 | $ 189,000 | $ 74,000 |
| Flint, MI | 5 | $ 695,000 | $ 139,000 | $ 0 |
| New Orleans-Metairie, LA | 5 | $ 1,055,000 | $ 211,000 | $ 183,000 |
| Port St. Lucie, FL | 5 | $ 1,525,000 | $ 305,000 | $ 72,000 |
| Salem, OR | 5 | $ 1,985,000 | $ 397,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,715,000 | $ 343,000 | $ 96,000 |
| Stockton-Lodi, CA | 5 | $ 725,000 | $ 145,000 | $ 5,000 |
| Tulsa, OK | 5 | $ 1,045,000 | $ 209,000 | $ 75,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,655,000 | $ 331,000 | $ 57,000 |
| Akron, OH | 4 | $ 360,000 | $ 90,000 | $ 187,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,230,000 | $ 307,500 | $ 123,750 |
| Charleston-North Charleston, SC | 4 | $ 620,000 | $ 155,000 | $ 57,000 |
| Cleveland-Elyria, OH | 4 | $ 580,000 | $ 145,000 | $ 48,000 |
| Columbus, OH | 4 | $ 660,000 | $ 165,000 | $ 131,000 |
| Harrisburg-Carlisle, PA | 4 | $ 890,000 | $ 222,500 | $ 68,000 |
| Lynchburg, VA | 4 | $ 590,000 | $ 147,500 | $ 26,000 |
| Medford, OR | 4 | $ 620,000 | $ 155,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 580,000 | $ 145,000 | $ 64,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 760,000 | $ 190,000 | $ 69,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,520,000 | $ 380,000 | $ 130,000 |
| York-Hanover, PA | 4 | $ 760,000 | $ 190,000 | $ 67,000 |
| Albany, OR | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Augusta-Richmond County, GA-SC | 3 | $ 415,000 | $ 138,333 | $ 152,000 |
| Burlington, NC | 3 | $ 785,000 | $ 261,666 | $ 86,000 |
| Charlottesville, VA | 3 | $ 1,035,000 | $ 345,000 | $ 147,000 |
| Colorado Springs, CO | 3 | $ 835,000 | $ 278,333 | $ 45,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 505,000 | $ 168,333 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 535,000 | $ 178,333 | $ 37,000 |
| Des Moines-West Des Moines, IA | 3 | $ 735,000 | $ 245,000 | $ 121,000 |
| El Centro, CA | 3 | $ 975,000 | $ 325,000 | $ 0 |
| Fayetteville, NC | 3 | $ 365,000 | $ 121,666 | $ 71,000 |
| Flagstaff, AZ | 3 | $ 2,395,000 | $ 798,333 | $ 0 |
| Gary, IN | 3 | $ 465,000 | $ 155,000 | $ 70,000 |
| Knoxville, TN | 3 | $ 695,000 | $ 231,666 | $ 57,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 795,000 | $ 265,000 | $ 68,000 |
| Montgomery, AL | 3 | $ 455,000 | $ 151,666 | $ 76,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 4,195,000 | $ 1,398,333 | $ 0 |
| Reading, PA | 3 | $ 395,000 | $ 131,666 | $ 97,000 |
| Spartanburg, SC | 3 | $ 605,000 | $ 201,666 | $ 118,000 |
| Spokane-Spokane Valley, WA | 3 | $ 745,000 | $ 248,333 | $ 49,000 |
| Wichita, KS | 3 | $ 345,000 | $ 115,000 | $ 54,000 |
| Albuquerque, NM | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Asheville, NC | 2 | $ 970,000 | $ 485,000 | $ 288,000 |
| Bremerton-Silverdale, WA | 2 | $ 220,000 | $ 110,000 | $ 95,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 270,000 | $ 135,000 | $ 92,000 |
| Champaign-Urbana, IL | 2 | $ 270,000 | $ 135,000 | $ 60,000 |
| Columbia, SC | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 700,000 | $ 350,000 | $ 137,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 370,000 | $ 185,000 | $ 54,000 |
| Hanford-Corcoran, CA | 2 | $ 270,000 | $ 135,000 | $ 46,000 |
| Hattiesburg, MS | 2 | $ 400,000 | $ 200,000 | $ 35,000 |
| Huntsville, AL | 2 | $ 400,000 | $ 200,000 | $ 36,000 |
| Lansing-East Lansing, MI | 2 | $ 260,000 | $ 130,000 | $ 61,000 |
| Lima, OH | 2 | $ 130,000 | $ 65,000 | $ 76,000 |
| Longview, TX | 2 | $ 200,000 | $ 100,000 | $ 28,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 240,000 | $ 120,000 | $ 33,500 |
| Madera, CA | 2 | $ 600,000 | $ 300,000 | $ 34,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 210,000 | $ 105,000 | $ 94,000 |
| Merced, CA | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 240,000 | $ 120,000 | $ 54,000 |
| Oklahoma City, OK | 2 | $ 100,000 | $ 50,000 | $ 29,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,120,000 | $ 560,000 | $ 90,000 |
| Punta Gorda, FL | 2 | $ 320,000 | $ 160,000 | $ 33,000 |
| Raleigh, NC | 2 | $ 200,000 | $ 100,000 | $ 46,000 |
| Redding, CA | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Rochester, MN | 2 | $ 200,000 | $ 100,000 | $ 34,000 |
| Rocky Mount, NC | 2 | $ 240,000 | $ 120,000 | $ 78,000 |
| Saginaw, MI | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Salinas, CA | 2 | $ 530,000 | $ 265,000 | $ 46,000 |
| San Rafael, CA | 2 | $ 1,920,000 | $ 960,000 | $ 292,000 |
| Savannah, GA | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Shreveport-Bossier City, LA | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Sioux City, IA-NE-SD | 2 | $ 220,000 | $ 110,000 | $ 104,000 |
| Vineland-Bridgeton, NJ | 2 | $ 380,000 | $ 190,000 | $ 78,000 |
| Visalia-Porterville, CA | 2 | $ 270,000 | $ 135,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 2 | $ 740,000 | $ 370,000 | $ 196,000 |
| Ames, IA | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Appleton, WI | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Athens-Clarke County, GA | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Auburn-Opelika, AL | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Bellingham, WA | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Billings, MT | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bloomington, IL | 1 | $ 165,000 | $ 165,000 | $ 158,000 |
| Bloomington, IN | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Canton-Massillon, OH | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Carbondale-Marion, IL | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Decatur, AL | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Durham-Chapel Hill, NC | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| El Paso, TX | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Erie, PA | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Florence, SC | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Florence-Muscle Shoals, AL | 1 | $ 155,000 | $ 155,000 | $ 353,000 |
| Fort Smith, AR-OK | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Fort Wayne, IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gadsden, AL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Gainesville, FL | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 505,000 | $ 505,000 | $ 325,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson, MS | 1 | $ 495,000 | $ 495,000 | $ 112,000 |
| Jacksonville, NC | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Johnson City, TN | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Johnstown, PA | 1 | $ 295,000 | $ 295,000 | $ 159,000 |
| Kalamazoo-Portage, MI | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Kingston, NY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Lancaster, PA | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Lawton, OK | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Macon-Bibb County, GA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Mansfield, OH | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Michigan City-La Porte, IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Modesto, CA | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| New Bern, NC | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Pueblo, CO | 1 | $ 165,000 | $ 165,000 | $ 144,000 |
| Racine, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Roanoke, VA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,885,000 | $ 1,885,000 | $ 0 |
| Santa Fe, NM | 1 | $ 445,000 | $ 445,000 | $ 131,000 |
| Sherman-Denison, TX | 1 | $ 455,000 | $ 455,000 | $ 260,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| St. Cloud, MN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Tallahassee, FL | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Topeka, KS | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Tyler, TX | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Winchester, VA-WV | 1 | $ 435,000 | $ 435,000 | $ 340,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Yuba City, CA | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Fay Servicing LLC in 2022
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 | 855 | $239,815,000 | $280,000 | $5,005,000 | $76,000 | $839,000 |
| Refinancing | 398 | $103,140,000 | $259,000 | $2,005,000 | $92,000 | $1,157,000 |
| Home Purchase | 125 | $38,645,000 | $309,000 | $1,365,000 | $62,000 | $260,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 422 | $162,280,000 | $384,000 | $5,005,000 | $0 | $0 |
| White | 340 | $75,730,000 | $222,000 | $1,885,000 | $89,000 | $839,000 |
| Not Provided | 304 | $73,760,000 | $242,000 | $1,305,000 | $69,000 | $340,000 |
| Black or African American | 181 | $31,195,000 | $172,000 | $475,000 | $64,000 | $250,000 |
| Hispanic | 102 | $29,360,000 | $287,000 | $1,285,000 | $108,000 | $1,157,000 |
| Asian | 22 | $7,120,000 | $323,000 | $975,000 | $76,000 | $299,000 |
| American Indian or Alaskan Native | 4 | $830,000 | $207,000 | $325,000 | $62,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,325,000 | $441,000 | $615,000 | $201,000 | $253,000 |
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) | 1,076 | $320,960,000 | $298,000 | $5,005,000 | $82,000 | $1,157,000 |
| FHA-insured (Federal Housing Administration) | 300 | $58,670,000 | $195,000 | $565,000 | $74,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $1,885,000 | $1,885,000 | $1,885,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $85,000 | $85,000 | $85,000 | $83,000 | $83,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 560 | $153,400,000 | $273,000 | $5,005,000 | $71,000 | $584,000 |
| Application Withdrawn By Applicant | 313 | $91,225,000 | $291,000 | $2,005,000 | $82,000 | $839,000 |
| Application Denied By Financial Institution | 238 | $58,310,000 | $245,000 | $1,475,000 | $89,000 | $1,157,000 |
| Application Approved But Not Accepted | 150 | $51,380,000 | $342,000 | $1,425,000 | $52,000 | $187,000 |
| File Closed For Incompleteness | 117 | $27,285,000 | $233,000 | $705,000 | $101,000 | $671,000 |
| 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 | 1,140 | $323,290,000 | $283,000 | $5,005,000 | $77,000 | $839,000 |
| Credit History | 90 | $17,530,000 | $194,000 | $1,055,000 | $83,000 | $600,000 |
| Debt-To-Income Ratio | 78 | $18,860,000 | $241,000 | $645,000 | $71,000 | $782,000 |
| Collateral | 38 | $9,390,000 | $247,000 | $1,285,000 | $122,000 | $1,157,000 |
| Other | 19 | $9,035,000 | $475,000 | $1,475,000 | $157,000 | $557,000 |
| Unverifiable Information | 8 | $1,520,000 | $190,000 | $315,000 | $131,000 | $292,000 |
| Credit Application Incomplete | 3 | $1,295,000 | $431,000 | $535,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $680,000 | $340,000 | $475,000 | $101,000 | $203,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fay Servicing LLC's 2022 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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