Fay Servicing in Georgia vs the state
35.3%Denial rate+16.07 pts vs state
70.6%Decision denial rate+45.52 pts vs state
14.7%Origination rate-39.38 pts vs state
6.25%Median rate-0.38 pts vs state
0.37Rate spread (pts)+0.10 pts vs state
$143kMedian applicant income
5Loans originated
12Denied
What Fay Servicing lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 1 | 3 | 50.0% |
| DeKalb County | 6 | 1 | 0 | 0.0% |
| Chatham County | 5 | 0 | 3 | 60.0% |
| Gwinnett County | 3 | 0 | 2 | 66.7% |
| Fannin County | 2 | 0 | 0 | 0.0% |
| Forsyth County | 2 | 0 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
| Clayton County | 1 | 0 | 1 | 100.0% |
| Cobb County | 1 | 0 | 0 | 0.0% |
| Talbot County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 34 applications in 2025, of which 5 were originated and 12 denied.
35.3% of all applications, or 70.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Fay Servicing originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology