Eastman Credit Union in Kentucky vs the state
31.6%Denial rate+12.77 pts vs state
37.5%Decision denial rate+14.01 pts vs state
52.6%Origination rate-5.41 pts vs state
7.31%Median rate+0.56 pts vs state
0.91Rate spread (pts)+0.60 pts vs state
$100kMedian applicant income
10Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 17 | 29.6% | 6.88% | #297 |
| 2024 | 43 | 22 | 25.6% | 7.19% | #259 |
| 2025 | 19 | 10 | 31.6% | 7.31% | #356 |
What Eastman Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Eastman Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 3 | 1 | 2 | 66.7% |
| Letcher County | 3 | 3 | 0 | 0.0% |
| Pike County | 3 | 1 | 2 | 66.7% |
| Harlan County | 3 | 1 | 1 | 33.3% |
| Jessamine County | 2 | 1 | 0 | 0.0% |
| Bell County | 2 | 1 | 1 | 50.0% |
| Clark County | 1 | 0 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Russell County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 19 applications in 2025, of which 10 were originated and 6 denied.
31.6% of all applications, or 37.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Eastman Credit Union originated in Kentucky in 2025 was 7.31%, against a statewide median of 6.75%.
About this data. Figures are Eastman Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology