Fay Servicing in Illinois vs the state
20.5%Denial rate+3.39 pts vs state
50.0%Decision denial rate+28.32 pts vs state
20.5%Origination rate-38.23 pts vs state
6.56%Median rate-0.19 pts vs state
0.38Rate spread (pts)0.00 pts vs state
$93kMedian applicant income
8Loans originated
8Denied
What Fay Servicing lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 25 | 4 | 6 | 24.0% |
| Lake County | 3 | 0 | 1 | 33.3% |
| Will County | 3 | 2 | 0 | 0.0% |
| St. Clair County | 2 | 0 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Knox County | 1 | 0 | 0 | 0.0% |
| DuPage County | 1 | 1 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| McHenry County | 1 | 0 | 1 | 100.0% |
| Kendall County | 1 | 0 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 39 applications in 2025, of which 8 were originated and 8 denied.
20.5% of all applications, or 50.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Fay Servicing originated in Illinois in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology