Applications / Mortgage Analytics / Lenders / Pennsylvania / Tammac Holdings
Wayne, PA · Non-bank lender · CFPB · 774 loans in 2025
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774
loans originated, 2025
11,111
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tammac Holdings lends on manufactured homes and almost nothing else, and its small loans reach low- and moderate-income buyers far more than similar non-banks do.
Every loan it made in 2025 was on a manufactured home, against 0.8% at similar lenders (non-banks making between half and twice as many loans). Almost all, 99.9%, financed a purchase, and all were conventional. Its typical loan was $85,000, about a quarter of the $335,000 at peers.
Low- and moderate-income borrowers took 64.5% of its loans, the highest share among its 29 peers, whose typical figure was 21.4%. Small loans on cheaper homes may suit buyers with modest incomes.
Almost all its loans, 99.9%, were higher-priced (a rate well above the average for similar loans), against 2.5% at peers, and its typical rate was 9.60%. It turned down 74.3% of home-purchase applications, against 1.8% at peers. Loans on manufactured homes often carry higher rates and are turned down more often, which could account for most of both gaps: such loans are its entire book.
Its loans rose 14%, to 774, in line with similar lenders and ahead of the whole market's 10%. It lends in 18 states and 124 metros, with Texas its main state, and has reported since 2005, though it filed no report for 2019 or 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Tammac Holdings took 11,111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.9% · Refinance 0.1%
Conventional 100.0% · of 774 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 149 | 19.3% |
| New York | 106 | 13.7% |
| Michigan | 99 | 12.8% |
| Pennsylvania | 95 | 12.3% |
| South Carolina | 54 | 7.0% |
| Ohio | 44 | 5.7% |
| Florida | 43 | 5.6% |
| Missouri | 39 | 5.0% |
| Louisiana | 24 | 3.1% |
| West Virginia | 21 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 64 |
| Rochester | 54 |
| Montgomery County-Bucks County-Chester County | 24 |
| St. Louis | 21 |
| Warren-Troy-Farmington Hills | 18 |
| Detroit-Dearborn-Livonia | 16 |
| Dallas-Plano-Irving | 15 |
| Hagerstown-Martinsburg | 13 |
| San Antonio-New Braunfels | 13 |
| Austin-Round Rock-San Marcos | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FFVDRROF85IC57 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3885785 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7201389558 | 2005–2016 |
Established 12 July 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Tammac Holdings's data.
Tammac Holdings's data
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Tammac Holdings and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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