Eastman Credit Union in Virginia vs the state
27.6%Denial rate+11.62 pts vs state
32.3%Decision denial rate+12.00 pts vs state
56.2%Origination rate-3.33 pts vs state
7.38%Median rate+0.75 pts vs state
0.99Rate spread (pts)+0.77 pts vs state
$72kMedian applicant income
626Loans originated
307Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,087 | 679 | 23.6% | 7.38% | #60 |
| 2024 | 1,148 | 736 | 21.1% | 7.50% | #61 |
| 2025 | 1,114 | 626 | 27.6% | 7.38% | #67 |
What Eastman Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Eastman Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 308 | 180 | 79 | 25.6% |
| Wise County | 149 | 83 | 40 | 26.8% |
| Scott County | 139 | 77 | 37 | 26.6% |
| Bristol city | 132 | 76 | 45 | 34.1% |
| Russell County | 92 | 53 | 21 | 22.8% |
| Lee County | 91 | 45 | 30 | 33.0% |
| Smyth County | 56 | 30 | 17 | 30.4% |
| Dickenson County | 43 | 24 | 11 | 25.6% |
| Tazewell County | 25 | 11 | 8 | 32.0% |
| Buchanan County | 22 | 9 | 9 | 40.9% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 1,114 applications in 2025, of which 626 were originated and 307 denied.
27.6% of all applications, or 32.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Eastman Credit Union originated in Virginia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Eastman Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology