Tammac Holdings in Kentucky vs the state
76.7%Denial rate+57.89 pts vs state
77.0%Decision denial rate+53.47 pts vs state
3.1%Origination rate-54.91 pts vs state
9.13%Median rate+2.38 pts vs state
3.30Rate spread (pts)+2.99 pts vs state
$57kMedian applicant income
18Loans originated
441Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 5 | 76.5% | 10.80% | #123 |
| 2024 | 247 | 11 | 85.8% | 10.88% | #115 |
| 2025 | 575 | 18 | 76.7% | 9.13% | #72 |
What Tammac Holdings lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Tammac Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 77 | 2 | 59 | 76.6% |
| Jefferson County | 45 | 0 | 38 | 84.4% |
| Grant County | 40 | 3 | 28 | 70.0% |
| Kenton County | 37 | 1 | 29 | 78.4% |
| Bullitt County | 23 | 0 | 19 | 82.6% |
| Carroll County | 22 | 1 | 19 | 86.4% |
| Madison County | 22 | 1 | 14 | 63.6% |
| Laurel County | 19 | 2 | 15 | 78.9% |
| Scott County | 17 | 2 | 12 | 70.6% |
| McCracken County | 17 | 0 | 14 | 82.4% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 575 applications in 2025, of which 18 were originated and 441 denied.
76.7% of all applications, or 77.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Tammac Holdings originated in Kentucky in 2025 was 9.13%, against a statewide median of 6.75%.
About this data. Figures are Tammac Holdings's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology