Tammac Holdings in Texas vs the state
74.6%Denial rate+55.13 pts vs state
75.2%Decision denial rate+50.26 pts vs state
5.0%Origination rate-49.89 pts vs state
9.70%Median rate+3.20 pts vs state
3.87Rate spread (pts)+3.68 pts vs state
$66kMedian applicant income
149Loans originated
2,224Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,118 | 287 | 68.6% | 10.55% | #36 |
| 2024 | 2,219 | 203 | 67.0% | 10.15% | #85 |
| 2025 | 2,983 | 149 | 74.6% | 9.70% | #63 |
What Tammac Holdings lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Tammac Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 351 | 22 | 265 | 75.5% |
| Liberty County | 236 | 13 | 175 | 74.2% |
| Montgomery County | 195 | 17 | 134 | 68.7% |
| Bexar County | 125 | 4 | 105 | 84.0% |
| Bastrop County | 97 | 3 | 80 | 82.5% |
| Dallas County | 91 | 2 | 58 | 63.7% |
| Travis County | 90 | 3 | 64 | 71.1% |
| Smith County | 51 | 2 | 44 | 86.3% |
| Denton County | 48 | 7 | 27 | 56.3% |
| Tarrant County | 43 | 1 | 30 | 69.8% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,983 applications in 2025, of which 149 were originated and 2,224 denied.
74.6% of all applications, or 75.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Tammac Holdings originated in Texas in 2025 was 9.70%, against a statewide median of 6.50%.
About this data. Figures are Tammac Holdings's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology