Eastman Mortgage Rates, Fees & Info

Kingsport, TN

LEI: 549300DDLYW49R2HCV81

Tax ID: 62-6039479

5 stars - Updated: 4/5/25 - out of 5 stars, based on 67 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Eastman is a smaller mortgage company specializing in Home Purchase loans. Eastman has a high proportion of conventional loans. Their top markets by origination volume include: Kingsport, Johnson City, Longview, Sevierville, and Greeneville among others. We have data for 128 markets. (Some data included below & more in-depth data is available with an active subscription.)

Eastman has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Eastman is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 4/5/25
30 Year Conventional Purchase 7.38% 4/5/25
30 Year Conventional Refi 6.93% 4/5/25
30 Year Cash-out Refi 7.46% 4/5/25
30 Year FHA Purchase 6.72% 4/5/25
30 Year VA Purchase 7.11% 4/5/25
30 Year VA Refi 6.72% 4/5/25
30 Year USDA Purchase 6.72% 4/5/25
15 Year Conventional Purchase 6.55% 4/5/25
15 Year Conventional Refi 6.93% 4/5/25
15 Year Cash-out Refi 6.93% 4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Eastman Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Eastman. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,455

Origination Dollar Volume (All Markets)

$854,465,000
Show all (8) awards

Relative Rate

Eastman's average 30 year fixed mortgage rate was 7.13%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.58%.

Relative Fees (Closing Costs)

Eastman's average total fees/closing costs for a 30 year fixed rate mortgage were $4,622.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1,726 $272,030,000 $157,607 $2,903 7.59%
JOHNSON CITY, TN (FHA|USDA|VA) 1,121 $199,655,000 $178,104 $3,305 7.58%
LONGVIEW, TX (FHA|USDA|VA) 360 $78,140,000 $217,056 $4,255 6.98%
Outside of Metro Areas 330 $45,280,000 $137,212 $3,354 7.56%
Sevierville, TN (FHA|USDA|VA) 54 $44,150,000 $817,593 $7,633 6.75%
Greeneville, TN (FHA|USDA|VA) 288 $43,030,000 $149,410 $2,854 7.67%
MORRISTOWN, TN (FHA|USDA|VA) 54 $31,550,000 $584,259 $4,442 7.16%
KNOXVILLE, TN (FHA|USDA|VA) 71 $29,105,000 $409,930 $5,013 7.38%
Big Stone Gap, VA (FHA|USDA|VA) 120 $12,890,000 $107,417 $2,831 7.55%
ASHEVILLE, NC (FHA|USDA|VA) 22 $12,860,000 $584,545 $7,205 6.99%
TYLER, TX (FHA|USDA|VA) 37 $9,785,000 $264,459 $5,477 6.59%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 21 $5,875,000 $279,762 $2,363 7.40%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $4,360,000 $311,429 $4,590 7.12%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 10 $3,110,000 $311,000 $3,314 7.04%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $2,205,000 $735,000 $12,858 7.67%
Georgetown, SC (FHA|USDA|VA) 3 $2,185,000 $728,333 $7,808 6.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $2,050,000 $256,250 $6,930 6.31%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,875,000 $625,000 $10,583 6.67%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,810,000 $301,667 $8,893 6.35%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $1,715,000 $343,000 $5,502 6.18%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,092 7.33%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $1,645,000 $235,000 $3,394 7.30%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $1,600,000 $800,000 $8,242 6.13%
ROANOKE, VA (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,189 6.64%
Mount Pleasant, TX (FHA|USDA|VA) 5 $1,545,000 $309,000 $6,136 6.75%
Bluefield, WV-VA (FHA|USDA|VA) 16 $1,540,000 $96,250 $3,069 7.78%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $1,355,000 $271,000 $4,085 7.33%
Newport, TN (FHA|USDA|VA) 7 $1,345,000 $192,143 $3,058 7.20%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,349 7.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,225,000 $408,333 $5,363 6.38%
WICHITA FALLS, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,885 5.96%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $995,000 $995,000 $6,537 6.13%
Cullowhee, NC (FHA|USDA|VA) 1 $925,000 $925,000 $6,571 6.13%
SPARTANBURG, SC (FHA|USDA|VA) 2 $910,000 $455,000 $5,399 6.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $910,000 $455,000 $8,494 7.25%
LOUISVILLE, KY (FHA|USDA|VA) 3 $895,000 $298,333 $5,203 6.83%
Bonham, TX (FHA|USDA|VA) 4 $860,000 $215,000 $0 6.19%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $805,000 $268,333 $1,428 7.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $775,000 $775,000 $0 8.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $760,000 $380,000 $4,708 7.19%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $760,000 $380,000 $4,678 6.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $755,000 $755,000 $2,702 6.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $740,000 $370,000 $5,479 6.00%
Athens, TX (FHA|USDA|VA) 2 $730,000 $365,000 $4,736 6.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $720,000 $360,000 $4,095 6.44%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $720,000 $360,000 $5,026 5.88%
MORGANTOWN, WV (FHA|USDA|VA) 1 $705,000 $705,000 $7,133 6.50%
Gaffney, SC (FHA|USDA|VA) 1 $695,000 $695,000 $7,381 5.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $670,000 $335,000 $4,115 6.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $635,000 $635,000 $10,595 6.25%
Key West, FL (FHA|USDA|VA) 1 $625,000 $625,000 $8,446 5.75%
MADERA, CA (FHA|USDA|VA) 1 $615,000 $615,000 $6,978 5.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $575,000 $575,000 $4,908 5.63%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $575,000 $575,000 $0 6.75%
Traverse City, MI (FHA|USDA|VA) 1 $565,000 $565,000 $5,419 6.50%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $565,000 $188,333 $3,870 7.67%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $520,000 $130,000 $2,131 6.81%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $515,000 $171,667 $3,067 7.79%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,676 7.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $480,000 $240,000 $2,149 6.31%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $440,000 $220,000 $7,246 6.63%
MOBILE, AL (FHA|USDA|VA) 1 $435,000 $435,000 $4,524 6.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $435,000 $435,000 $4,949 5.88%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $415,000 $415,000 $6,693 8.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $405,000 $135,000 $2,762 7.71%
THE VILLAGES, FL (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 6.50%
RICHMOND, VA (FHA|USDA|VA) 1 $375,000 $375,000 $6,500 5.75%
Nacogdoches, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,821 7.88%
Shelton, WA (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.50%
Statesboro, GA (FHA|USDA|VA) 1 $355,000 $355,000 $4,962 6.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $355,000 $355,000 $4,636 7.63%
OWENSBORO, KY (FHA|USDA|VA) 1 $355,000 $355,000 $3,554 5.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $355,000 $355,000 $5,460 7.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $345,000 $345,000 $0 6.38%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $335,000 $335,000 $5,592 7.25%
Albemarle, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,959 6.50%
Cookeville, TN (FHA|USDA|VA) 2 $300,000 $150,000 $3,845 6.50%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $295,000 $295,000 $4,289 6.63%
COLUMBIA, SC (FHA|USDA|VA) 4 $290,000 $72,500 $2,647 6.91%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $285,000 $95,000 $1,881 8.92%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $275,000 $275,000 $3,001 6.88%
Waycross, GA (FHA|USDA|VA) 1 $275,000 $275,000 $4,875 6.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,539 5.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,605 8.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,522 5.63%
Brevard, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,311 6.13%
Batesville, AR (FHA|USDA|VA) 3 $245,000 $81,667 $1,683 7.21%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,478 7.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $225,000 $225,000 $5,529 5.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $225,000 $225,000 $8,104 5.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,990 6.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $5,834 6.88%
Pampa, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,739 6.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,451 6.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $5,194 5.75%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,401 5.88%
OCALA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.25%
Middlesborough, KY (FHA|USDA|VA) 1 $195,000 $195,000 $4,274 7.38%
SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,779 7.63%
Lufkin, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,926 6.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $125,000 $125,000 $4,328 7.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.25%
JACKSON, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 8.25%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,923 5.38%
ROCHESTER, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.13%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
Jefferson, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $95,000 $95,000 $5,643 6.75%
BECKLEY, WV (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.00%
JONESBORO, AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.50%
LYNCHBURG, VA (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.25%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.38%
Boone, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $75,000 $75,000 $3,983 5.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.13%
London, KY (FHA|USDA|VA) 2 $60,000 $30,000 $1,579 7.63%
CLEVELAND, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
St. Marys, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,535 7.38%
Newberry, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.63%
BATON ROUGE, LA (FHA|USDA|VA) 1 $35,000 $35,000 $1,914 7.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $25,000 $25,000 $1,565 6.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $15,000 $15,000 $1,562 7.25%
Eastman's top markets include Kingsport, Johnson City, Longview, Sevierville, and Greeneville among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,296 $740,730,000 $224,736 $3,387 7.13%
    HELOC 1,149 $111,755,000 $97,263 n/a 8.46%
    VA 10 $1,980,000 $198,000 $4,473 7.16%

    For 2024, Eastman's most frequently originated type of loan was Conventional, with 3,296 originations. Their 2nd most popular type was HELOC, with 1,149 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,871 $587,195,000 $313,840 $4,958 7.09%
    Home Improvement 1,059 $78,185,000 $73,829 $1,182 7.93%
    Other 846 $65,860,000 $77,849 $1,224 7.81%
    Cash Out Refi 574 $78,970,000 $137,578 $2,549 7.56%
    Refi 105 $44,255,000 $421,476 $3,175 6.66%

    For 2024, Eastman's most frequently cited loan purpose was Home Purchase, with 1,871 originations. The 2nd most popular reason was Home Improvement, with 1,059 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,767 $150,165,000 $84,983 $1,407 7.80%
    30 Year 1,491 $436,245,000 $292,586 $4,622 7.13%
    20 Year 485 $66,445,000 $137,000 $3,848 8.25%
    Other 240 $89,670,000 $373,625 $6,827 6.46%
    10 Year 228 $12,410,000 $54,430 $998 7.18%
    30+ year 168 $72,300,000 $430,357 $7,578 7.01%
    5 Year 75 $26,225,000 $349,667 $970 6.96%
    1 Year 1 $1,005,000 $1,005,000 $0 8.50%

    For 2024, Eastman's most frequently cited loan duration was 15 Year, with 1,767 originations. The 2nd most popular length was 30 Year, with 1,491 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,472 $144,090,000 $97,887
    $1k-2k 1,062 $213,670,000 $201,196
    $2k-3k 331 $117,725,000 $355,665
    $3k-4k 94 $40,590,000 $431,809
    $5k+ 77 $44,565,000 $578,766
    $4k-5k 41 $28,715,000 $700,366

    Eastman's average total fees were $4,622, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,472 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 1,662 $218,400,000 $131,408
    Over 8% 1,245 $169,985,000 $136,534
    6-7% 1,243 $343,325,000 $276,207
    5-6% 299 $116,785,000 $390,585
    4-5% 5 $2,745,000 $549,000
    3-4% 1 $3,225,000 $3,225,000

    During 2024, Eastman's average interest rate for loans was 7.13%, while their most frequently originated rate bucket for loans was 7-8%, with 1,662 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,973 $108,775,000 $55,132 $1,333 7.77%
    $100k-200k 1,176 $165,090,000 $140,383 $3,432 7.52%
    $200k-400k 942 $258,550,000 $274,469 $4,841 7.15%
    $400k-600k 205 $98,775,000 $481,829 $6,610 6.64%
    $600k-1MM 106 $77,250,000 $728,774 $7,711 6.47%
    $1MM+ 53 $146,025,000 $2,755,189 $14,478 6.61%

    2024 saw Eastman place emphasis on $100,000 or less loans with 1,973 originations, totaling $108,775,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 975 $173,545,000 $177,995 $3,651 7.45%
    $50k-75k 930 $99,760,000 $107,269 $2,664 7.60%
    $75k-100k 804 $108,210,000 $134,590 $3,050 7.61%
    $50k or less 668 $49,560,000 $74,192 $2,261 7.65%
    $150k-250k 583 $143,475,000 $246,098 $4,336 7.37%
    $250k+ 255 $131,595,000 $516,059 $7,571 6.97%

    Eastman lent most frequently to those with incomes in the $100k-150k range, with 975 originations. The second most popular income band? $50k-75k, with 930 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 810 $131,210,000 $161,988 $3,208 7.46%
    20-30% 762 $118,840,000 $155,958 $3,439 7.36%
    <20% 251 $40,035,000 $159,502 $3,331 7.11%
    49% 200 $36,390,000 $181,950 $3,512 7.79%
    39% 194 $31,720,000 $163,505 $3,458 7.52%
    42% 191 $38,155,000 $199,764 $3,769 7.59%
    38% 186 $29,670,000 $159,516 $3,237 7.61%
    48% 184 $26,200,000 $142,391 $2,813 7.58%
    44% 179 $29,555,000 $165,112 $3,346 7.67%
    46% 177 $29,385,000 $166,017 $3,489 7.61%
    41% 170 $28,120,000 $165,412 $3,343 7.50%
    43% 166 $30,210,000 $181,988 $3,559 7.55%
    47% 160 $27,370,000 $171,063 $3,355 7.78%
    45% 159 $32,265,000 $202,925 $3,908 7.68%
    40% 159 $28,845,000 $181,415 $3,619 7.55%
    37% 155 $23,285,000 $150,226 $3,295 7.77%
    36% 136 $24,050,000 $176,838 $3,618 7.46%
    50-60% 13 $2,555,000 $196,538 $4,213 7.52%
    >60% 4 $830,000 $207,500 $2,438 7.63%

    Eastman lent most frequently to those with DTI ratios of 30-36%, with 810 originations. The next most common DTI ratio? 20-30%, with 762 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,884 $617,850,000 $159,076 $3,272 7.53%
    Not applicable 138 $131,640,000 $953,913 $0 6.56%
    Not provided 261 $57,025,000 $218,487 $4,225 7.39%
    Asian 44 $15,630,000 $355,227 $5,553 6.53%
    Black 77 $13,185,000 $171,234 $3,706 7.53%
    Asian Indian 14 $12,280,000 $877,143 $9,528 6.36%
    American Indian 31 $5,865,000 $189,194 $3,756 7.45%
    Other Asian 2 $600,000 $300,000 $8,092 6.56%
    Native Hawaiian or Islander 4 $390,000 $97,500 $3,174 7.28%

    Approval Rates

    Total approvals of all applications
    81.33%

    Eastman has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    79.33%

    Eastman has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1462.31 1 $195,000 $195,000
    1765.0 1 $75,000 $75,000
    1900.0 1 $75,000 $75,000
    1960.63 1 $95,000 $95,000
    1999.0 1 $75,000 $75,000
    2043.0 1 $95,000 $95,000
    2049.25 1 $35,000 $35,000
    2071.14 1 $85,000 $85,000
    2137.48 1 $145,000 $145,000
    2354.06 1 $65,000 $65,000
    2383.5 1 $145,000 $145,000
    2400.8 1 $75,000 $75,000
    2418.7 1 $85,000 $85,000
    2419.3 1 $105,000 $105,000
    2504.23 1 $145,000 $145,000
    2577.87 1 $155,000 $155,000
    2579.88 1 $165,000 $165,000
    2661.88 1 $185,000 $185,000
    2828.53 1 $145,000 $145,000
    3110.96 1 $105,000 $105,000
    3154.6 1 $185,000 $185,000
    3674.16 1 $155,000 $155,000
    NA 4,433 $851,875,000 $192,167

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,455 $854,465,000 $191,799

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,031 $99,635,000 $96,639 $1,545 7.78%
    40-60% 467 $85,345,000 $182,752 $3,071 7.30%
    60-80% 714 $270,660,000 $379,076 $4,774 6.85%
    80-100% 1,136 $333,740,000 $293,785 $5,074 7.32%
    Over 100% 30 $11,000,000 $366,667 $5,056 7.36%
    Under 20% 1,077 $54,085,000 $50,218 $997 7.85%