Lender report card · New Jersey

Tammac Holdings Corporation

Wayne, PA · What the federal mortgage record shows about how Tammac Holdings Corporation treated New Jersey applicants, 2018–2025 — 253 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
45.1%
114 approved
Denial rate
54.9%
139 denied
Decisions
253
2018–2025
Avg. rate spread
+3.45 pp
vs. market benchmark
45.1% approved
54.9% denied

Share of 253 New Jersey applications Tammac Holdings Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional45.1% of 253 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

36%42%48%54%60%57%42%48%39%2022202320242025

Pricing

Adjusting for its loan-type mix, Tammac Holdings Corporation’s rates ran +3.23 pp higher than the typical New Jersey lender (average rate spread +3.45 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Tammac Holdings Corporation approves

By income
Under $50k21.6% · 74$50–75k54.3% · 92$75–100k45.7% · 46
By debt-to-income
Under 36%69.3% · 7536–43%63.3% · 4943–50%58.8% · 51Over 50%0.0% · 76
By down payment (LTV)
20%+ down58.5% · 4110–20% down45.5% · 445–10% down47.0% · 83Under 3% down33.9% · 59

Why Tammac Holdings Corporation denied applications

Debt-to-income ratio67% of denialsCredit history38% of denialsInsufficient cash to close12% of denialsEmployment history12% of denialsOther10% of denialsCollateral (value/type)6% of denials

Where Tammac Holdings Corporation lends in NJ

CountyDecisionsApproval
Monmouth County5034.0%
Middlesex County3345.5%
Ocean County2552.0%

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Tammac Holdings Corporation (LEI 549300FFVDRROF85IC57). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →