Tammac Holdings in Michigan vs the state
76.9%Denial rate+58.37 pts vs state
77.2%Decision denial rate+54.61 pts vs state
7.7%Origination rate-52.16 pts vs state
10.30%Median rate+3.55 pts vs state
4.48Rate spread (pts)+4.09 pts vs state
$55kMedian applicant income
99Loans originated
985Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 295 | 23 | 83.4% | 10.80% | #167 |
| 2025 | 1,281 | 99 | 76.9% | 10.30% | #62 |
What Tammac Holdings lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Tammac Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 342 | 16 | 279 | 81.6% |
| Oakland County | 109 | 3 | 89 | 81.7% |
| Branch County | 89 | 2 | 68 | 76.4% |
| Kent County | 78 | 8 | 54 | 69.2% |
| Washtenaw County | 74 | 3 | 51 | 68.9% |
| Kalamazoo County | 50 | 6 | 38 | 76.0% |
| Genesee County | 49 | 2 | 41 | 83.7% |
| Berrien County | 46 | 2 | 35 | 76.1% |
| Macomb County | 46 | 4 | 38 | 82.6% |
| St. Clair County | 36 | 5 | 25 | 69.4% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,281 applications in 2025, of which 99 were originated and 985 denied.
76.9% of all applications, or 77.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Tammac Holdings originated in Michigan in 2025 was 10.30%, against a statewide median of 6.75%.
About this data. Figures are Tammac Holdings's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology