# EASTMAN CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/eastman-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EASTMAN CREDIT UNION is a credit union, headquartered in Kingsport, TN, serving borrowers across 26 states, with 1,710 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DDLYW49R2HCV81
- **Headquarters:** Kingsport, TN
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, ME, MI, MN, MO, NC, NM, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.470%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,627
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,710
- **Dollar Volume:** $470 million
- **Applications Received:** 2,472
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $274,632
- **Average Borrower Income:** $135,759
- **Average Property Value:** $356,719

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 1,648 | +0.484% | $1,574 | Exceptional 🤩 |
| Jumbo | 78/100 | 53 | -0.162% | $4,036 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,384 loans, Score: 84/100 (Exceptional)
- Refinance: 264 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 50 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 1,441 | $420M | +0.452% | Exceptional 🤩 |
| Refinance | 78/100 | 269 | $49M | +0.554% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 1,026 | 1.13% | 90/100 |
| VA | 299 | 0.28% | 76/100 |
| TX | 263 | 0.08% | 66/100 |
| NC | 30 | 0.02% | 45/100 |
| SC | 16 | 0.02% | 41/100 |
| FL | 12 | 0.00% | 33/100 |
| KY | 12 | 0.03% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kingsport | TN-VA | 603 | 100/100 |
| Johnson City, TN | TN | 376 | 100/100 |
| Non |  | 335 | 67/100 |
| Longview, TX | TX | 209 | 100/100 |
| Knoxville, TN | TN | 33 | 53/100 |
| Morristown, TN | TN | 23 | 62/100 |
| Tyler, TX | TX | 18 | 52/100 |
| Asheville, NC | NC | 13 | 45/100 |

## Where This Lender Ranks

EASTMAN CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kingsport for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Kingsport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Kingsport for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Johnson City, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Johnson City, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Johnson City, TN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Longview, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Longview, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Knoxville, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Morristown, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Tennessee for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Morristown, TN Credit Unions
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Tyler, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Asheville, NC for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Tennessee for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Asheville, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Virginia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Morristown, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does EASTMAN CREDIT UNION offer?

EASTMAN CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EASTMAN CREDIT UNION offer mortgages?

EASTMAN CREDIT UNION offers mortgages in 26 states: AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, ME, MI, MN, MO, NC, NM, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV.

### How competitive are EASTMAN CREDIT UNION's mortgage rates?

EASTMAN CREDIT UNION has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.470% above market average.

### What type of lender is EASTMAN CREDIT UNION?

EASTMAN CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Kingsport, TN.

### What is EASTMAN CREDIT UNION's loan approval success rate?

EASTMAN CREDIT UNION has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/eastman-credit-union

### How to Cite

> "EASTMAN CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/eastman-credit-union

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