Fay Servicing Llc
Tampa, FL · What the federal mortgage record shows about how Fay Servicing Llc treated New Jersey applicants, 2018–2025 — 294 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 294 New Jersey applications Fay Servicing Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Fay Servicing Llc’s rates ran +0.57 pp higher than the typical New Jersey lender (average rate spread +0.91 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Fay Servicing Llc approves
Why Fay Servicing Llc denied applications
Where Fay Servicing Llc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 29 | 27.6% |
| Monmouth County | 29 | 24.1% |
Consumer complaints
Complaints New Jersey mortgage customers filed against Fay Servicing Llc with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Struggling to pay mortgage. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.
Compare Fay Servicing Llc to other lenders for your profile
Enter your income, county, DTI and down payment to see who approves borrowers like you.
Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Fay Servicing Llc (LEI 549300D0H09HSURFXA20). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →