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EASTMAN CREDIT UNION
Credit Union|Kingsport, TN|Near-National
Loans Originated
1,710
Applications
2,472
Volume
$469 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.470%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,627
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
EASTMAN CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 8 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$274,632
Average Borrower Income
$135,759
Average Property Value
$356,719
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 1,648 | 96.4% | +0.484% | $1,574 |
Jumbo Loans | Strong | Strong | Sound | Strong | 53 | 3.1% | -0.162% | $4,036 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 1,441 | 84.3% | +0.452% | $1,723 |
Refinance | Strong | Strong | Sound | Strong | 269 | 15.7% | +0.554% | $1,205 |
Geographic Coverage
Metro Areas
7
States Served
26
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOFLGAILINKYMEMIMNMONCNMNVOHOKPASCTNTXUTVAWV
Top Metro Areas by Place Specialization Score
1
Kingsport, TN-VAMSA
Volume: 603Mix: 35.26%
Place Specialization
Exceptional
2
Johnson City, TN, TNMSA
Volume: 376Mix: 21.99%
Place Specialization
Exceptional
3
Longview, TX, TXMSA
Volume: 209Mix: 12.22%
Place Specialization
Exceptional
4
Morristown, TN, TNMSA
Volume: 23Mix: 1.35%
Place Specialization
Strong
5
Knoxville, TN, TNMSA
Volume: 33Mix: 1.93%
Place Specialization
Sound
6
Tyler, TX, TXMSA
Volume: 18Mix: 1.05%
Place Specialization
Sound
7
Asheville, NC, NCMSA
Volume: 13Mix: 0.76%
Place Specialization
Sound
Top States by Place Specialization Score
1
TNState
Volume: 1,026Mix: 60.00%
Place Specialization
Exceptional
2
VAState
Volume: 299Mix: 17.49%
Place Specialization
Strong
3
TXState
Volume: 263Mix: 15.38%
Place Specialization
Strong
4
NCState
Volume: 30Mix: 1.75%
Place Specialization
Sound
5
SCState
Volume: 16Mix: 0.94%
Place Specialization
Sound
6
KYState
Volume: 12Mix: 0.70%
Place Specialization
Acceptable
7
FLState
Volume: 12Mix: 0.70%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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