Fay Servicing in North Carolina vs the state
22.7%Denial rate+4.67 pts vs state
55.6%Decision denial rate+32.74 pts vs state
18.2%Origination rate-39.63 pts vs state
6.44%Median rate-0.06 pts vs state
0.91Rate spread (pts)+0.83 pts vs state
$136kMedian applicant income
4Loans originated
5Denied
What Fay Servicing lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 3 | 0 | 1 | 33.3% |
| Cabarrus County | 2 | 0 | 0 | 0.0% |
| Mecklenburg County | 2 | 0 | 0 | 0.0% |
| Brunswick County | 2 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Nash County | 1 | 0 | 0 | 0.0% |
| Henderson County | 1 | 0 | 1 | 100.0% |
| Durham County | 1 | 0 | 1 | 100.0% |
| Avery County | 1 | 1 | 0 | 0.0% |
| Wake County | 1 | 0 | 1 | 100.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 22 applications in 2025, of which 4 were originated and 5 denied.
22.7% of all applications, or 55.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Fay Servicing originated in North Carolina 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 North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology