Eastman Credit Union in Tennessee vs the state
21.5%Denial rate+4.34 pts vs state
24.6%Decision denial rate+2.94 pts vs state
64.3%Origination rate+6.26 pts vs state
7.25%Median rate+0.63 pts vs state
0.54Rate spread (pts)+0.31 pts vs state
$84kMedian applicant income
2,854Loans originated
953Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,528 | 2,952 | 19.7% | 7.25% | #14 |
| 2024 | 4,488 | 3,032 | 17.5% | 7.50% | #10 |
| 2025 | 4,436 | 2,854 | 21.5% | 7.25% | #11 |
What Eastman Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Eastman Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 1,537 | 1,014 | 298 | 19.4% |
| Washington County | 1,214 | 769 | 250 | 20.6% |
| Greene County | 479 | 268 | 143 | 29.9% |
| Hawkins County | 404 | 280 | 86 | 21.3% |
| Carter County | 344 | 227 | 77 | 22.4% |
| Unicoi County | 88 | 52 | 22 | 25.0% |
| Knox County | 79 | 57 | 13 | 16.5% |
| Sevier County | 59 | 42 | 6 | 10.2% |
| Johnson County | 57 | 33 | 22 | 38.6% |
| Hamblen County | 28 | 19 | 8 | 28.6% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 4,436 applications in 2025, of which 2,854 were originated and 953 denied.
21.5% of all applications, or 24.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Eastman Credit Union originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Eastman Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology