Fay Servicing in New Jersey vs the state
11.8%Denial rate-5.93 pts vs state
50.0%Decision denial rate+26.95 pts vs state
11.8%Origination rate-43.92 pts vs state
7.69%Median rate+0.94 pts vs state
1.58Rate spread (pts)+1.30 pts vs state
$149kMedian applicant income
2Loans originated
2Denied
What Fay Servicing lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Passaic County | 2 | 0 | 0 | 0.0% |
| Monmouth County | 2 | 0 | 0 | 0.0% |
| Atlantic County | 2 | 1 | 0 | 0.0% |
| Essex County | 2 | 0 | 0 | 0.0% |
| Camden County | 2 | 0 | 2 | 100.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Ocean County | 1 | 1 | 0 | 0.0% |
| Gloucester County | 1 | 0 | 0 | 0.0% |
| Mercer County | 1 | 0 | 0 | 0.0% |
| Bergen County | 1 | 0 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 17 applications in 2025, of which 2 were originated and 2 denied.
11.8% of all applications, or 50.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Fay Servicing originated in New Jersey in 2025 was 7.69%, against a statewide median of 6.75%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology