EASTMAN CREDIT UNION
EASTMAN CREDIT UNION received 6,548 applications in 2025 and made 4,027 mortgages, in 281 counties across 32 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 5,654 decisions, 1,521 were denials — 26.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DDLYW49R2HCV81 |
|---|---|
| Applications received | 6,548 |
| Mortgages made | 4,027 |
| Denied | 1,521 |
| Approved, not taken up | 106 |
| Withdrawn or incomplete | 894 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.615 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,591 | 6.875% | $225,000 | 16.1% |
| Refinancing | 86 | 6.500% | $150,000 | 48.6% |
| Cash-out refinancing | 659 | 7.250% | $105,000 | 31.5% |
| Other purposes | 1,691 | 7.500% | $65,000 | 31.8% |
Where EASTMAN CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sullivan County, TN | 1,014 | 7.250% | 22.3% |
| Washington County, TN | 769 | 7.250% | 24.1% |
| Hawkins County, TN | 280 | 7.250% | 23.3% |
| Greene County, TN | 268 | 7.500% | 34.3% |
| Carter County, TN | 227 | 7.500% | 24.8% |
| Washington County, VA | 180 | 7.375% | 29.8% |
| Gregg County, TX | 143 | 6.875% | 35.0% |
| Wise County, VA | 83 | 7.375% | 31.8% |
| Harrison County, TX | 81 | 7.125% | 33.6% |
| Scott County, VA | 77 | 7.250% | 32.5% |
| Bristol city, VA | 76 | 7.313% | 36.6% |
| Knox County, TN | 57 | 6.500% | 18.6% |
| Russell County, VA | 53 | 7.500% | 28.4% |
| Unicoi County, TN | 52 | 7.250% | 29.0% |
| Lee County, VA | 45 | 7.500% | 39.0% |
| Sevier County, TN | 42 | 6.375% | 12.2% |
| Upshur County, TX | 38 | 7.000% | 26.9% |
| Rusk County, TX | 36 | 7.250% | 37.9% |
| Smith County, TX | 34 | 6.500% | 18.2% |
| Johnson County, TN | 33 | 7.500% | 40.0% |
| Smyth County, VA | 30 | 7.563% | 34.7% |
| Dickenson County, VA | 24 | 7.813% | 31.4% |
| Hamblen County, TN | 19 | 7.000% | 29.6% |
| Cocke County, TN | 15 | 7.500% | 21.1% |
| Jefferson County, TN | 12 | 7.188% | 20.0% |
| Tazewell County, VA | 11 | 7.250% | 40.0% |
| Norton city, VA | 10 | 7.313% | 8.3% |
| Buchanan County, VA | 9 | Under 10 loans | 47.4% |
| Hamilton County, TN | 8 | Under 10 loans | 27.3% |
| Panola County, TX | 8 | Under 10 loans | 42.9% |
| Fulton County, GA | 6 | Under 10 loans | 0.0% |
| Anderson County, TN | 6 | Under 10 loans | 25.0% |
| Marion County, TX | 6 | Under 10 loans | 33.3% |
| Mecklenburg County, NC | 5 | Under 10 loans | 28.6% |
| Camp County, TX | 5 | Under 10 loans | 16.7% |
| Wythe County, VA | 5 | Under 10 loans | 16.7% |
| Buncombe County, NC | 4 | Under 10 loans | 16.7% |
| Loudon County, TN | 4 | Under 10 loans | 20.0% |
| Williamson County, TN | 4 | Under 10 loans | 20.0% |
| Fannin County, TX | 4 | Under 10 loans | 0.0% |
| Wood County, TX | 4 | Under 10 loans | 20.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| Letcher County, KY | 3 | Under 10 loans | 0.0% |
| Forsyth County, NC | 3 | Under 10 loans | 0.0% |
| Greenville County, SC | 3 | Under 10 loans | 25.0% |
| Lexington County, SC | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 25.0% |
| Grainger County, TN | 3 | Under 10 loans | 25.0% |
| Hancock County, TN | 3 | Under 10 loans | 20.0% |
| Union County, TN | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.