Purchase Originations
1,233
Ranked #321 nationally
Median Total Costs
$4,598
−31.2% vs national ($6,680)
↑ $359 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,725
Median Lender Credits
$206
Cost Rank (500+ vol.)
#157
among lenders with 500+ originations
Denial Rate
13.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,231 | 6.875% | $4,598 | $1,725 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 761 | 6.750% | $4,561 | #21 |
| Virginia | 244 | 7.375% | $4,040 | #71 |
| Texas | 169 | 6.750% | $5,906 | #225 |
| North Carolina | 13 | 6.625% | $5,437 | — |
| Georgia | 7 | 6.625% | $5,054 | — |
| Kentucky | 5 | 7.375% | $4,388 | — |
| Ohio | 5 | 6.875% | $5,692 | — |
| South Carolina | 5 | 6.875% | $5,831 | — |
| Alabama | 4 | 6.125% | $4,521 | — |
| Florida | 4 | 7.062% | $8,323 | — |
| Arkansas | 2 | 7.062% | $3,805 | — |
| Indiana | 2 | 6.875% | $4,885 | — |
| Louisiana | 2 | 5.625% | $8,962 | — |
| Missouri | 2 | 6.750% | $3,427 | — |
| New York | 2 | 5.938% | $9,862 | — |
| Arizona | 1 | 6.125% | $12,623 | — |
| California | 1 | 7.125% | $9,898 | — |
| Illinois | 1 | 6.125% | $4,300 | — |
| Mississippi | 1 | 7.500% | $4,547 | — |
| South Dakota | 1 | 6.875% | $5,200 | — |
| West Virginia | 1 | 7.750% | $3,680 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,704 | 8.250% | — | 13 | −$894 | |
| 2 | $3,761 | 7.000% | — | 23 | −$837 | |
| 3 | $3,870 | 7.438% | — | 22 | −$728 | |
| 4 | $4,060 | 7.500% | — | 25 | −$538 | |
| 5 | $4,088 | 7.688% | — | 50 | −$510 | |
| 6 | $4,167 | 7.312% | — | 50 | −$431 | |
| 7 | $4,201 | 6.750% | — | 59 | −$397 | |
| 8 | $4,222 | 7.250% | — | 28 | −$376 | |
| 9 | $4,359 | 6.875% | — | 66 | −$239 | |
| 10 | $4,422 | 6.875% | — | 288 | −$176 | |
| 11 | $4,516 | 6.875% | — | 16 | −$82 | |
| 12 | $4,571 | 6.875% | — | 54 | −$27 | |
| 13 | $4,880 | 6.625% | — | 203 | +$282 | |
| 14 | $5,298 | 6.750% | — | 69 | +$700 | |
| 15 | $5,749 | 7.500% | — | 9 | +$1,151 | |
| 16 | $5,777 | 7.312% | — | 16 | +$1,179 | |
| 17 | $5,831 | 6.250% | — | 15 | +$1,233 | |
| 18 | $6,172 | 7.000% | — | 9 | +$1,574 | |
| 19 | $6,859 | 6.625% | — | 19 | +$2,261 | |
| 20 | $6,952 | 6.625% | — | 30 | +$2,354 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Eastman Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $4,598 | $7,127 | −$2,529 (−35.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.