Fay Servicing in Ohio vs the state
23.1%Denial rate+5.39 pts vs state
37.5%Decision denial rate+15.61 pts vs state
38.5%Origination rate-21.44 pts vs state
6.75%Median rate-0.13 pts vs state
0.31Rate spread (pts)-0.08 pts vs state
$82kMedian applicant income
5Loans originated
3Denied
What Fay Servicing lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 3 | 1 | 0 | 0.0% |
| Clermont County | 2 | 0 | 0 | 0.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 0 | 1 | 100.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
| Lucas County | 1 | 0 | 0 | 0.0% |
| Mahoning County | 1 | 0 | 1 | 100.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Wood County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 13 applications in 2025, of which 5 were originated and 3 denied.
23.1% of all applications, or 37.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Fay Servicing originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology