We analyzed every closed loan from Eastman Credit Union — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 7 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
Eastman Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+47.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,648 | 96.4% | +0.484%Above | $1,574Fees | ||||
Jumbo Loans | 53 | 3.1% | -0.162%Below | $4,036Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,648
Mix96.4%
Spread
+0.484%Above
Fees
$1,574Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume53
Mix3.1%
Spread
-0.162%Below
Fees
$4,036Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,441 | 84.3% | +0.452%Above | $1,723Fees | ||||
Refinance | 269 | 15.7% | +0.554%Above | $1,205Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,441
Mix84.3%
Spread
+0.452%Above
Fees
$1,723Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume269
Mix15.7%
Spread
+0.554%Above
Fees
$1,205Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,710
Applications
2,472
Volume
$469 million
Pricing & Closing
Avg Rate Spread
+0.470%
vs. market APOR
Avg Net Fees
$1,627
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$274,632
Avg Borrower Income
$135,759
Avg Property Value
$356,719
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
26Northeast2
MEPA
Midwest6
ILINMIMNMOOH
South12
ALARFLGAKYNCOKSCTNTXVAWV
West6
AZCACONMNVUT
Top Metro Areas by Place Specialization Score
Volume 603Mix 35.26% of portfolio
100/100
Exceptional
Volume 376Mix 21.99% of portfolio
100/100
Exceptional
Volume 209Mix 12.22% of portfolio
100/100
Exceptional
Volume 23Mix 1.35% of portfolio
62/100
Strong
Volume 33Mix 1.93% of portfolio
53/100
Sound
Volume 18Mix 1.05% of portfolio
52/100
Sound
Volume 13Mix 0.76% of portfolio
45/100
SoundTop States by Place Specialization Score
1
TennesseeState
Volume 1,026Mix 60.00% of portfolio
90/100
Exceptional2
VirginiaState
Volume 299Mix 17.49% of portfolio
76/100
Strong3
TexasState
Volume 263Mix 15.38% of portfolio
66/100
Strong4
North CarolinaState
Volume 30Mix 1.75% of portfolio
45/100
Sound5
South CarolinaState
Volume 16Mix 0.94% of portfolio
41/100
Sound6
KentuckyState
Volume 12Mix 0.70% of portfolio
40/100
Acceptable7
FloridaState
Volume 12Mix 0.70% of portfolio
33/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
Looking for a different lender?
Are you the owner of Eastman Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.