Eastman Credit Union in North Carolina vs the state
24.3%Denial rate+6.26 pts vs state
31.6%Decision denial rate+8.76 pts vs state
50.0%Origination rate-7.81 pts vs state
7.00%Median rate+0.50 pts vs state
0.39Rate spread (pts)+0.31 pts vs state
$120kMedian applicant income
37Loans originated
18Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 38 | 23.6% | 6.50% | #325 |
| 2024 | 90 | 59 | 23.3% | 7.13% | #311 |
| 2025 | 74 | 37 | 24.3% | 7.00% | #352 |
What Eastman Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Eastman Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 9 | 4 | 1 | 11.1% |
| Mitchell County | 8 | 1 | 4 | 50.0% |
| Mecklenburg County | 8 | 5 | 2 | 25.0% |
| Forsyth County | 5 | 3 | 0 | 0.0% |
| Avery County | 4 | 1 | 2 | 50.0% |
| Wake County | 3 | 2 | 0 | 0.0% |
| Watauga County | 3 | 2 | 0 | 0.0% |
| Iredell County | 3 | 0 | 2 | 66.7% |
| Guilford County | 2 | 2 | 0 | 0.0% |
| Lenoir County | 2 | 1 | 1 | 50.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 74 applications in 2025, of which 37 were originated and 18 denied.
24.3% of all applications, or 31.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Eastman Credit Union originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Eastman Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology