Fay Servicing in Texas vs the state
32.9%Denial rate+13.43 pts vs state
69.7%Decision denial rate+44.80 pts vs state
11.4%Origination rate-43.45 pts vs state
6.75%Median rate+0.25 pts vs state
0.10Rate spread (pts)-0.10 pts vs state
$104kMedian applicant income
8Loans originated
23Denied
What Fay Servicing lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 11 | 1 | 4 | 36.4% |
| Collin County | 9 | 0 | 5 | 55.6% |
| Harris County | 9 | 2 | 3 | 33.3% |
| Tarrant County | 7 | 1 | 1 | 14.3% |
| Bexar County | 3 | 1 | 1 | 33.3% |
| Hidalgo County | 3 | 0 | 1 | 33.3% |
| Nueces County | 3 | 0 | 0 | 0.0% |
| Fort Bend County | 3 | 1 | 1 | 33.3% |
| El Paso County | 2 | 0 | 1 | 50.0% |
| Travis County | 2 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 70 applications in 2025, of which 8 were originated and 23 denied.
32.9% of all applications, or 69.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Fay Servicing originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Fay Servicing's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology