Fay Servicing in Tennessee vs the state
27.8%Denial rate+10.64 pts vs state
83.3%Decision denial rate+61.65 pts vs state
0.0%Origination rate-58.08 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
0Loans originated
5Denied
What Fay Servicing lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 4 | 0 | 2 | 50.0% |
| Shelby County | 3 | 0 | 1 | 33.3% |
| Hamilton County | 2 | 0 | 0 | 0.0% |
| Coffee County | 1 | 0 | 0 | 0.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Obion County | 1 | 0 | 0 | 0.0% |
| Knox County | 1 | 0 | 0 | 0.0% |
| Putnam County | 1 | 0 | 0 | 0.0% |
| Bradley County | 1 | 0 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 18 applications in 2025, of which 0 were originated and 5 denied.
27.8% of all applications, or 83.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology