Eastman Credit Union mortgage approval rate & lending review
Eastman Credit Union decided 7,141 mortgage applications and funded 5,624 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Eastman Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Eastman Credit Union at a glance
Approval is 5.1 points above the 75.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 2,529 / 2,873 | 97% | $235K | 2,465 |
| Home improvement loans | 78% | 1,695 / 2,166 | 97% | $55K | 1,647 |
| Cash-out refinance | 73% | 880 / 1,209 | 97% | $95K | 855 |
| Refinance | 66% | 122 / 186 | 93% | $85K | 114 |
| Investment property purchase | 85% | 435 / 513 | 98% | $185K | 427 |
| Investment cash-out refinance | 66% | 50 / 76 | 94% | $155K | 47 |
| Investment refinance | 74% | 37 / 50 | 97% | $195K | 36 |
| Investment home improvement | 49% | 33 / 68 | 100% | $125K | 33 |
Eastman Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 82% | $95K | 5,907 | 4,694 |
| Texas | 77% | $235K | 788 | 587 |
| North Carolina | 82% | $395K | 96 | 79 |
| South Carolina | 87% | $295K | 69 | 59 |
| Florida | 75% | $195K | 63 | 44 |
| Georgia | 86% | $235K | 35 | 29 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Eastman Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sullivan County, TN | Mortgage lenders | 88% | 1,271 | 1,087 |
| Sullivan County, TN | Home improvement loans | 78% | 1,086 | 826 |
| Washington County, TN | Mortgage lenders | 89% | 928 | 800 |
| Washington County, TN | Home improvement loans | 82% | 800 | 640 |
| Sullivan County, TN | Cash-out refinance | 76% | 603 | 442 |
| Washington County, TN | Cash-out refinance | 72% | 488 | 345 |
| Gregg County, TX | Mortgage lenders | 88% | 275 | 238 |
| Sullivan County, TN | Investment property purchase | 83% | 126 | 103 |
| Washington County, TN | Investment property purchase | 83% | 103 | 82 |
| Gregg County, TX | Home improvement loans | 60% | 147 | 81 |
| Gregg County, TX | Investment property purchase | 88% | 82 | 71 |
| Knox County, TN | Mortgage lenders | 94% | 66 | 62 |
The county markets where Eastman Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Eastman Credit Union
What is Eastman Credit Union's mortgage approval rate?
Eastman Credit Union approved 81.0% of the 7,141 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points above the 75.9% national rate for the same mix of loan types.
How often do borrowers take the loan Eastman Credit Union offers?
Borrowers accepted 97% of the loans Eastman Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Eastman Credit Union make?
The typical home purchase mortgage loan Eastman Credit Union made was $235K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Eastman Credit Union lend?
Eastman Credit Union decided applications in 35 of the states Fat Boy Data covers, most of them in Tennessee, Texas and North Carolina.
Can I apply to Eastman Credit Union directly?
Yes. Eastman Credit Union is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Eastman Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Eastman Credit Union treats applications, then get a rate quote from the lender.