Lender report card · New Jersey

Tam Lending Center, Inc

Cherry Hill, NJ · What the federal mortgage record shows about how Tam Lending Center, Inc treated New Jersey applicants, 2018–2025 — 253 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
100.0%
253 approved
Denial rate
0.0%
0 denied
Decisions
253
2018–2025
Avg. rate spread
+1.29 pp
vs. market benchmark
100.0% approved
0.0% denied

Share of 253 New Jersey applications Tam Lending Center, Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional100.0% of 100 · NJ 87%FHA100.0% of 152 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

Not enough data.

Pricing

Adjusting for its loan-type mix, Tam Lending Center, Inc’s rates ran +0.63 pp higher than the typical New Jersey lender (average rate spread +1.29 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Tam Lending Center, Inc approves

By income
Under $50k100.0% · 43$50–75k100.0% · 83$75–100k100.0% · 66$100–150k100.0% · 44
By debt-to-income
Under 36%100.0% · 4336–43%100.0% · 6743–50%100.0% · 77Over 50%100.0% · 66
By down payment (LTV)

Thin.

Why Tam Lending Center, Inc denied applications

Not enough data.

Where Tam Lending Center, Inc lends in NJ

CountyDecisionsApproval
Camden County48100.0%
Burlington County47100.0%
Gloucester County43100.0%

Fees & closing costs

Median total loan costs
$7,042
home purchase
As % of loan
3.96%
NJ median 1.93%
Priced originations
228
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Tam Lending Center, Inc’s home-purchase originations — 2.03 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $500. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Tam Lending Center, Inc (LEI 549300FL0K3UVG1WAY05). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →