Fay Servicing in Alabama vs the state
20.0%Denial rate+0.15 pts vs state
50.0%Decision denial rate+25.00 pts vs state
20.0%Origination rate-35.39 pts vs state
6.44%Median rate-0.06 pts vs state
0.13Rate spread (pts)-0.16 pts vs state
$70kMedian applicant income
2Loans originated
2Denied
What Fay Servicing lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Mobile County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Cullman County | 1 | 0 | 0 | 0.0% |
| Walker County | 1 | 0 | 0 | 0.0% |
| Houston County | 1 | 0 | 1 | 100.0% |
| Lee County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Dale County | 1 | 0 | 1 | 100.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 10 applications in 2025, of which 2 were originated and 2 denied.
20.0% of all applications, or 50.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Fay Servicing originated in Alabama in 2025 was 6.44%, against a statewide median of 6.50%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology