Eastman Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Eastman Credit Union of Kingsport, TN reported 6,548 mortgage applications totaling $1.1 billion, down 3% from 2024. The average application was for $170,647, and applicants reported an average income of $114,860. 61% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Kingsport-Bristol-Bristol, TN-VA (2,520), Johnson City, TN (1,646) and Longview, TX (559) (applications in parentheses).
| Mortgage Company & Address | Eastman Credit Union P.O. Box 1989 Kingsport, TN 37662 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,548 |
| Total Mortgage Loan Application Amount | $1,117,400,000 |
| Average Mortgage Loan Application Amount | $170,647 |
| Highest Mortgage Loan Application Amount | $6,375,000 |
| Average Applicant Income | $114,860 |
| Highest Applicant Income | $9,328,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eastman Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kingsport-Bristol-Bristol, TN-VA | 2,520 | $ 356,010,000 | $ 141,273 | $ 98,634 |
| Johnson City, TN | 1,646 | $ 285,930,000 | $ 173,712 | $ 117,000 |
| Outside any metro area | 1,304 | $ 193,460,000 | $ 148,358 | $ 104,546 |
| Longview, TX | 559 | $ 111,205,000 | $ 198,935 | $ 122,000 |
| Knoxville, TN | 111 | $ 28,715,000 | $ 258,693 | $ 175,000 |
| Morristown, TN | 49 | $ 14,645,000 | $ 298,877 | $ 136,000 |
| Tyler, TX | 49 | $ 13,875,000 | $ 283,163 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 9,645,000 | $ 507,631 | $ 217,000 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 4,935,000 | $ 290,294 | $ 192,941 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 4,590,000 | $ 327,857 | $ 509,000 |
| Chattanooga, TN-GA | 14 | $ 4,100,000 | $ 292,857 | $ 206,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 3,715,000 | $ 337,727 | $ 207,000 |
| Asheville, NC | 10 | $ 3,330,000 | $ 333,000 | $ 238,000 |
| Dallas-Plano-Irving, TX | 10 | $ 2,410,000 | $ 241,000 | $ 204,000 |
| Roanoke, VA | 9 | $ 1,505,000 | $ 167,222 | $ 119,000 |
| Winston-Salem, NC | 9 | $ 2,005,000 | $ 222,777 | $ 158,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 2,280,000 | $ 285,000 | $ 179,000 |
| Charleston-North Charleston, SC | 7 | $ 2,265,000 | $ 323,571 | $ 251,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 750,000 | $ 125,000 | $ 97,000 |
| Jacksonville, FL | 6 | $ 2,370,000 | $ 395,000 | $ 450,000 |
| San Antonio-New Braunfels, TX | 6 | $ 8,180,000 | $ 1,363,333 | $ 218,000 |
| Arlington-Alexandria-Reston, VA-WV | 5 | $ 2,275,000 | $ 455,000 | $ 295,600 |
| Birmingham-Hoover, AL | 5 | $ 1,405,000 | $ 281,000 | $ 175,000 |
| Columbia, SC | 5 | $ 1,025,000 | $ 205,000 | $ 153,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 3,515,000 | $ 703,000 | $ 314,000 |
| Baton Rouge, LA | 4 | $ 750,000 | $ 187,500 | $ 156,000 |
| Cincinnati, OH-KY-IN | 4 | $ 910,000 | $ 227,500 | $ 129,000 |
| Fort Worth-Arlington, TX | 4 | $ 620,000 | $ 155,000 | $ 88,000 |
| Marietta, GA | 4 | $ 880,000 | $ 220,000 | $ 144,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 3,610,000 | $ 902,500 | $ 433,000 |
| Shreveport-Bossier City, LA | 4 | $ 670,000 | $ 167,500 | $ 131,000 |
| Wilmington, NC | 4 | $ 1,550,000 | $ 387,500 | $ 135,000 |
| Cleveland, TN | 3 | $ 915,000 | $ 305,000 | $ 164,000 |
| Greensboro-High Point, NC | 3 | $ 185,000 | $ 61,666 | $ 115,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,065,000 | $ 355,000 | $ 253,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,015,000 | $ 338,333 | $ 95,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 1,215,000 | $ 405,000 | $ 185,000 |
| Lexington-Fayette, KY | 3 | $ 985,000 | $ 328,333 | $ 126,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 525,000 | $ 175,000 | $ 100,000 |
| Memphis, TN-MS-AR | 3 | $ 745,000 | $ 248,333 | $ 245,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,075,000 | $ 358,333 | $ 230,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 4,985,000 | $ 1,661,666 | $ 883,000 |
| Raleigh, NC | 3 | $ 1,405,000 | $ 468,333 | $ 228,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 965,000 | $ 321,666 | $ 135,000 |
| Clarksville, TN-KY | 2 | $ 680,000 | $ 340,000 | $ 153,000 |
| Cleveland, OH | 2 | $ 920,000 | $ 460,000 | $ 178,000 |
| Decatur, AL | 2 | $ 370,000 | $ 185,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 660,000 | $ 330,000 | $ 158,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 2,470,000 | $ 1,235,000 | $ 638,000 |
| Gainesville, FL | 2 | $ 440,000 | $ 220,000 | $ 118,000 |
| Gainesville, GA | 2 | $ 1,310,000 | $ 655,000 | $ 187,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 180,000 | $ 90,000 | $ 94,000 |
| Jacksonville, NC | 2 | $ 400,000 | $ 200,000 | $ 139,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 790,000 | $ 395,000 | $ 137,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 380,000 | $ 190,000 | $ 350,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 2,000,000 | $ 1,000,000 | $ 423,000 |
| Savannah, GA | 2 | $ 200,000 | $ 100,000 | $ 147,000 |
| Spartanburg, SC | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Staunton-Waynesboro, VA | 2 | $ 320,000 | $ 160,000 | $ 230,000 |
| Tulsa, OK | 2 | $ 180,000 | $ 90,000 | $ 205,000 |
| Wildwood-The Villages, FL | 2 | $ 190,000 | $ 95,000 | $ 99,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 485,000 | $ 485,000 | $ 200,000 |
| Athens-Clarke County, GA | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Austin-Round Rock, TX | 1 | $ 445,000 | $ 445,000 | $ 188,000 |
| Bakersfield, CA | 1 | $ 85,000 | $ 85,000 | $ 230,000 |
| Beckley, WV | 1 | $ 135,000 | $ 135,000 | $ 151,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 335,000 | $ 335,000 | $ 108,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 1,365,000 | $ 1,365,000 | $ 618,000 |
| Charlottesville, VA | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Dalton, GA | 1 | $ 55,000 | $ 55,000 | $ 205,000 |
| Fort Collins, CO | 1 | $ 395,000 | $ 395,000 | $ 224,000 |
| Fresno, CA | 1 | $ 775,000 | $ 775,000 | $ 1,043,000 |
| Harrisonburg, VA | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Hot Springs, AR | 1 | $ 545,000 | $ 545,000 | $ 1,149,000 |
| Jackson, TN | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Kansas City, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 415,000 | $ 415,000 | $ 166,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 435,000 | $ 435,000 | $ 310,000 |
| Lynchburg, VA | 1 | $ 25,000 | $ 25,000 | $ 136,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,415,000 | $ 1,415,000 | $ 618,000 |
| Nassau County-Suffolk County, NY | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| New Orleans-Metairie, LA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 945,000 | $ 945,000 | $ 1,293,000 |
| Ocala, FL | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| Philadelphia, PA | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Pittsburgh, PA | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 205,000 | $ 205,000 | $ 178,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 1,755,000 | $ 1,755,000 | $ 893,000 |
| Rapid City, SD | 1 | $ 475,000 | $ 475,000 | $ 150,000 |
| Richmond, VA | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 505,000 | $ 505,000 | $ 1,350,000 |
| San Diego-Carlsbad, CA | 1 | $ 255,000 | $ 255,000 | $ 210,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 475,000 | $ 475,000 | $ 161,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 1,035,000 | $ 1,035,000 | $ 259,000 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 145,000 | $ 145,000 | $ 262,000 |
| Springfield, MO | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 725,000 | $ 725,000 | $ 124,000 |
| Syracuse, NY | 1 | $ 645,000 | $ 645,000 | $ 253,000 |
| Tampa, FL | 1 | $ 215,000 | $ 215,000 | $ 28,000 |
| Tuscaloosa, AL | 1 | $ 45,000 | $ 45,000 | $ 141,000 |
| Valdosta, GA | 1 | $ 45,000 | $ 45,000 | $ 141,000 |
| Visalia-Porterville, CA | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Winchester, VA-WV | 1 | $ 1,045,000 | $ 1,045,000 | $ 314,000 |
Mortgage Loan Application Detail Totals for Eastman Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,355 | $629,405,000 | $267,000 | $2,495,000 | $131,000 | $4,736,000 |
| Home Improvement | 1,444 | $113,250,000 | $78,000 | $945,000 | $109,000 | $5,546,000 |
| Other Purpose | 1,418 | $121,860,000 | $85,000 | $1,485,000 | $101,000 | $9,328,000 |
| Cash-out Refinancing | 1,101 | $186,235,000 | $169,000 | $5,165,000 | $100,000 | $1,390,000 |
| Refinancing | 230 | $66,650,000 | $289,000 | $6,375,000 | $143,000 | $2,443,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,579 | $886,925,000 | $158,000 | $2,425,000 | $108,000 | $9,328,000 |
| Not Provided | 388 | $83,040,000 | $214,000 | $1,655,000 | $171,000 | $1,350,000 |
| Hispanic | 197 | $31,395,000 | $159,000 | $925,000 | $119,000 | $2,850,000 |
| Black or African American | 143 | $22,255,000 | $155,000 | $2,495,000 | $123,000 | $3,100,000 |
| Not applicable | 142 | $63,070,000 | $444,000 | $6,375,000 | $0 | $0 |
| Asian | 59 | $25,395,000 | $430,000 | $3,205,000 | $311,000 | $4,736,000 |
| American Indian or Alaskan Native | 37 | $4,875,000 | $131,000 | $425,000 | $91,000 | $217,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $445,000 | $148,000 | $275,000 | $115,000 | $193,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,536 | $1,114,730,000 | $170,000 | $6,375,000 | $115,000 | $9,328,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,895,000 | $210,000 | $445,000 | $81,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 2 | $620,000 | $310,000 | $335,000 | $149,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $30,000 | $30,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,027 | $704,395,000 | $174,000 | $4,055,000 | $118,000 | $4,736,000 |
| Application Denied By Financial Institution | 1,521 | $224,545,000 | $147,000 | $6,375,000 | $100,000 | $9,328,000 |
| Application Withdrawn By Applicant | 817 | $163,815,000 | $200,000 | $1,905,000 | $128,000 | $5,546,000 |
| Application Approved But Not Accepted | 106 | $15,530,000 | $146,000 | $845,000 | $96,000 | $526,000 |
| File Closed For Incompleteness | 77 | $9,115,000 | $118,000 | $435,000 | $105,000 | $480,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,027 | $892,855,000 | $177,000 | $4,055,000 | $119,000 | $5,546,000 |
| Debt-To-Income Ratio | 865 | $130,265,000 | $150,000 | $2,205,000 | $76,000 | $5,354,000 |
| Credit History | 292 | $27,940,000 | $95,000 | $685,000 | $98,000 | $608,000 |
| Other | 133 | $31,245,000 | $234,000 | $6,375,000 | $141,000 | $1,056,000 |
| Collateral | 118 | $16,270,000 | $137,000 | $1,405,000 | $196,000 | $9,328,000 |
| Employment History | 60 | $6,590,000 | $109,000 | $595,000 | $109,000 | $785,000 |
| Credit Application Incomplete | 24 | $4,150,000 | $172,000 | $805,000 | $265,000 | $1,260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,925,000 | $261,000 | $745,000 | $104,000 | $203,000 |
| Unverifiable Information | 14 | $4,160,000 | $297,000 | $635,000 | $157,000 | $289,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastman Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Eastman Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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