Eastman Credit Union in Texas vs the state
27.4%Denial rate+7.98 pts vs state
32.4%Decision denial rate+7.50 pts vs state
54.8%Origination rate-0.05 pts vs state
6.88%Median rate+0.38 pts vs state
0.96Rate spread (pts)+0.76 pts vs state
$104kMedian applicant income
392Loans originated
196Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 690 | 421 | 26.2% | 6.63% | #212 |
| 2024 | 734 | 462 | 21.4% | 7.00% | #201 |
| 2025 | 715 | 392 | 27.4% | 6.88% | #211 |
What Eastman Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Eastman Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gregg County | 274 | 143 | 82 | 29.9% |
| Harrison County | 154 | 81 | 43 | 27.9% |
| Rusk County | 72 | 36 | 22 | 30.6% |
| Upshur County | 59 | 38 | 14 | 23.7% |
| Smith County | 49 | 34 | 8 | 16.3% |
| Panola County | 18 | 8 | 6 | 33.3% |
| Marion County | 11 | 6 | 3 | 27.3% |
| Camp County | 7 | 5 | 1 | 14.3% |
| Harris County | 6 | 2 | 1 | 16.7% |
| Cass County | 5 | 3 | 1 | 20.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 715 applications in 2025, of which 392 were originated and 196 denied.
27.4% of all applications, or 32.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Eastman Credit Union originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Eastman Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology