Name of the lender

Eastman Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Kingsport, TN
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Eastman Credit Union reported 6,548 mortgage applications in the HMDA data of 2025.

It originated 4,027 loans in 2025, for $704 million in total.

The median interest rate of its loans in 2025 was 6.875%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $4,265, and the national median was $6,413.

It denied 26.9% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Eastman Credit Union, 2025
Figure	This lender	United States
Applications	6,5480.1% of the US total	11,766,671
Loans originated	4,027$704 million	6,827,891
Median interest rate	6.875%	6.375%
Median total loan costs	$4,265	$6,413
Denial rate	26.9%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Eastman Credit Union by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	1,875	6.875%US 6.375%	$4,265US $6,413	0.639US 0.161
Conventional	1,873	6.875%US 6.500%	$4,265US $5,393	0.639US 0.175

Interest rate and total loan costs of Eastman Credit Union by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	1,332	6.875%US 6.500%	$4,641US $6,632	0.437US 0.169
Home improvement	112	7.000%US 6.750%	$1,393US $2,827	1.286US 0.594
Refinancing	47	6.625%US 5.999%	$3,435US $4,883	0.286US −0.069
Cash-out refinancing	269	7.000%US 6.500%	$3,560US $8,095	0.903US 0.376
Other purpose	115	7.000%US 6.625%	$1,731US $3,894	1.167US 0.527

Parts of the total loan costs of Eastman Credit Union by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$1,600US $2,062	$2,450US $2,823	$150US $567
Conventional	$1,600US $1,981	$2,450US $2,588	$147US $604

The median rate spread of these loans was 0.639 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,917 more a year, or $160 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Eastman Credit Union and the United States

Eastman Credit UnionUnited States

Action takenHMDA codes and labels

Records of Eastman Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	4,027	61.5%	50.4%
2Application approved but not accepted	106	1.6%	3.1%
3Application denied	1,521	23.2%	15.6%
4Application withdrawn by applicant	817	12.5%	12.6%
5File closed for incompleteness	77	1.2%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Eastman Credit Union by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	865	56.9%	32.7%
2Employment history	60	3.9%	0.9%
3Credit history	292	19.2%	25.6%
4Collateral	118	7.8%	13.8%
5Insufficient cash (downpayment, closing costs)	15	1.0%	2.3%
6Unverifiable information	14	0.9%	4.2%
7Credit application incomplete	24	1.6%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	133	8.7%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Eastman Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	6,536	4,025	26.8%US 23.4%
FHA-insured	2	0	n/aUS 21.8%
VA-guaranteed	9	2	n/aUS 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	1	0	n/aUS 12.9%

Applications of Eastman Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	2,355	1,591	39.5%
Home improvement	1,444	897	22.3%
Refinancing	230	86	2.1%
Cash-out refinancing	1,101	659	16.4%
Other purpose	1,418	794	19.7%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends7 states with 25 applications or more

Eastman Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Florida	28	13	n/a	n/a	n/a
Georgia	27	21	n/a	n/a	n/a
North Carolina	74	37	n/a	n/a	31.6%
South Carolina	30	17	n/a	n/a	n/a
Tennessee	4,436	2,854	6.875%	$4,218	24.6%
Texas	715	392	6.875%	$5,363	32.4%
Virginia	1,114	626	7.250%	$3,813	32.2%

Counties of Eastman Credit Union with 50 applications or more, 2025In order of the names. The list has the 20 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Bristol city, VA	132	76	$8.4 million	36.6%
Carter County, TN	344	227	$34.8 million	24.8%
Greene County, TN	479	268	$34.1 million	34.3%
Gregg County, TX	274	143	$26.7 million	35.0%
Harrison County, TX	154	81	$17.1 million	33.6%
Hawkins County, TN	404	280	$38.4 million	23.3%
Johnson County, TN	57	33	$5.0 million	40.0%
Knox County, TN	79	57	$16.2 million	18.6%
Lee County, VA	91	45	$5.8 million	39.0%
Rusk County, TX	72	36	$9.3 million	37.9%
Russell County, VA	92	53	$7.7 million	28.4%
Scott County, VA	139	77	$9.2 million	32.5%
Sevier County, TN	59	42	$18.4 million	12.2%
Smyth County, VA	56	30	$3.0 million	34.7%
Sullivan County, TN	1,537	1,014	$155 million	22.3%
Unicoi County, TN	88	52	$6.9 million	28.9%
Upshur County, TX	59	38	$8.0 million	26.9%
Washington County, TN	1,214	769	$145 million	24.1%
Washington County, VA	308	180	$24.3 million	29.8%
Wise County, VA	149	83	$9.8 million	31.7%

Figures by yearHMDA 2022 to 2025

Eastman Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	6,548	4,027	6.875%	$4,265	26.9%	6,548
2024	6,743	4,455	7.000%	$3,895	21.5%	6,743
2023	6,771	4,330	6.750%	$3,316	24.3%	6,771
2022	7,713	5,028	5.125%	$2,946	22.7%	7,713
2021	n/a	n/a	n/a	n/a	n/a	8,653
2020	n/a	n/a	n/a	n/a	n/a	9,007
2019	n/a	n/a	n/a	n/a	n/a	6,804
2018	n/a	n/a	n/a	n/a	n/a	6,102

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Eastman Credit Union and the United States

Eastman Credit UnionUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of EASTMAN CREDIT UNION, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance
August 2026	0	0	0
July 2026	0	0	0
June 2026	0	0	0
May 2026	2	2	0
April 2026	0	0	0
March 2026	1	0	1
February 2026	1	1	0
January 2026	0	0	0
December 2025	0	0	0
November 2025	0	0	0
October 2025	1	1	0
September 2025	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "EASTMAN CREDIT UNION". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Ascend Federal Credit UnionTullahoma, TN
Churchill Mortgage CorporationBrentwood, TN
Farm Credit Mid-America, ACALouisville, KY
First Community Mortgage, Inc.Murfreesboro, TN
First Horizon BankMemphis, TN
FirstbankLexington, TN
Knoxville TVA Employees Credit UnionKnoxville, TN
Leaders Credit UnionJackson, TN
Mortgage Investors GroupKnoxville, TN
Pinnacle BankNashville, TN
Primis BankGlen Allen, VA
Simmons BankPine Bluff, AR

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Eastman Credit Union mortgage rates and denial rate, 2025", https://lenderregister.com/lender/549300ddlyw49r2hcv81-eastman-credit-union/
Lender: Eastman Credit Union, LEI 549300DDLYW49R2HCV81
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Eastman Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Eastman Credit Union code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (865), credit history (292) and other (133).
In which states did Eastman Credit Union originate the most loans in 2025?: The three states with the most loans were Tennessee (2,854), Virginia (626) and Texas (392). It had 25 applications or more in 7 states.
Which loan types did Eastman Credit Union originate in 2025?: 4,025 conventional and 2 VA.