Tammac Holdings in New York vs the state
47.0%Denial rate+27.26 pts vs state
47.6%Decision denial rate+23.51 pts vs state
30.2%Origination rate-29.39 pts vs state
9.45%Median rate+2.82 pts vs state
3.62Rate spread (pts)+3.41 pts vs state
$61kMedian applicant income
106Loans originated
165Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 268 | 62 | 53.0% | 10.75% | #171 |
| 2024 | 252 | 113 | 29.0% | 10.30% | #181 |
| 2025 | 351 | 106 | 47.0% | 9.45% | #164 |
What Tammac Holdings lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Tammac Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 52 | 20 | 22 | 42.3% |
| Saratoga County | 49 | 8 | 28 | 57.1% |
| Orleans County | 26 | 12 | 11 | 42.3% |
| Ontario County | 21 | 11 | 7 | 33.3% |
| Livingston County | 18 | 8 | 7 | 38.9% |
| Oswego County | 14 | 3 | 10 | 71.4% |
| Broome County | 13 | 5 | 3 | 23.1% |
| Ulster County | 11 | 5 | 1 | 9.1% |
| Genesee County | 11 | 2 | 7 | 63.6% |
| Erie County | 11 | 5 | 4 | 36.4% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 351 applications in 2025, of which 106 were originated and 165 denied.
47.0% of all applications, or 47.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Tammac Holdings originated in New York in 2025 was 9.45%, against a statewide median of 6.63%.
About this data. Figures are Tammac Holdings's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology