Eastman Mortgage Rates, Fees & Info

Kingsport, TN

LEI: 549300DDLYW49R2HCV81

Tax ID: 62-6039479

5 stars - Updated: 4/19/24 - out of 5 stars, based on 66 reviews

Latest/2023 | 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. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Kingsport, Johnson City, Longview, Spartanburg, and Greeneville among others. We have data for 138 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) 6.14% 4/19/24
30 Year Conventional Purchase 7.07% 4/19/24
30 Year Conventional Refi 6.90% 4/19/24
30 Year Cash-out Refi 7.19% 4/19/24
30 Year FHA Purchase 6.27% 4/19/24
30 Year VA Purchase 6.71% 4/19/24
30 Year USDA Purchase 7.15% 4/19/24
15 Year Conventional Purchase 6.54% 4/19/24
15 Year Conventional Refi 6.49% 4/19/24
15 Year Cash-out Refi 6.49% 4/19/24
15 Year FHA Purchase 8.78% 4/19/24
15 Year VA Purchase 6.78% 4/19/24
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

4,330

Origination Dollar Volume (All Markets)

$740,210,000
Show all (6) awards

Relative Rate

Eastman's average 30 year fixed mortgage rate was 7.04%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.56%.

Relative Fees (Closing Costs)

Eastman's average total fees/closing costs for a 30 year fixed rate mortgage were $4,204.

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 $9,089.

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) 1,823 $239,275,000 $131,253 $2,511 7.24%
JOHNSON CITY, TN (FHA|USDA|VA) 1,054 $173,210,000 $164,336 $2,813 7.18%
LONGVIEW, TX (FHA|USDA|VA) 336 $61,800,000 $183,929 $3,894 6.81%
SPARTANBURG, SC (FHA|USDA|VA) 1 $40,505,000 $40,505,000 $0 7.50%
Outside of Metro Areas 261 $34,885,000 $133,659 $3,050 7.35%
Greeneville, TN (FHA|USDA|VA) 280 $31,100,000 $111,071 $2,297 7.40%
KNOXVILLE, TN (FHA|USDA|VA) 60 $26,150,000 $435,833 $3,884 6.83%
Sevierville, TN (FHA|USDA|VA) 39 $18,095,000 $463,974 $8,135 6.70%
MORRISTOWN, TN (FHA|USDA|VA) 44 $12,790,000 $290,682 $4,175 7.14%
Big Stone Gap, VA (FHA|USDA|VA) 110 $12,690,000 $115,364 $2,816 7.56%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 23 $8,295,000 $360,652 $4,489 6.93%
TYLER, TX (FHA|USDA|VA) 39 $7,935,000 $203,462 $4,628 6.30%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $5,340,000 $381,429 $6,379 6.34%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $4,160,000 $520,000 $7,430 6.08%
ASHEVILLE, NC (FHA|USDA|VA) 7 $3,755,000 $536,429 $5,728 6.21%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $3,750,000 $1,875,000 $13,102 6.31%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $3,300,000 $1,650,000 $37,276 6.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $3,075,000 $439,286 $5,652 6.82%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,360,000 $236,000 $5,291 6.90%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $2,315,000 $771,667 $9,405 6.17%
Athens, TX (FHA|USDA|VA) 4 $1,980,000 $495,000 $4,034 6.06%
COLUMBIA, SC (FHA|USDA|VA) 13 $1,915,000 $147,308 $2,481 7.10%
Bluefield, WV-VA (FHA|USDA|VA) 15 $1,695,000 $113,000 $2,212 7.28%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,300,000 $216,667 $3,060 6.27%
Newport, TN (FHA|USDA|VA) 6 $1,170,000 $195,000 $4,466 7.15%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,140,000 $570,000 $11,090 6.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $1,140,000 $570,000 $9,650 5.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,035,000 $207,000 $3,628 8.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,030,000 $515,000 $6,618 6.19%
WILMINGTON, NC (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,597 5.81%
Jacksonville, TX (FHA|USDA|VA) 4 $950,000 $237,500 $5,213 6.41%
Fredericksburg, TX (FHA|USDA|VA) 1 $925,000 $925,000 $0 6.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $905,000 $905,000 $14,668 6.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $895,000 $298,333 $4,391 6.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $875,000 $875,000 $8,917 6.75%
MIDLAND, TX (FHA|USDA|VA) 2 $850,000 $425,000 $6,582 7.50%
RICHMOND, VA (FHA|USDA|VA) 3 $845,000 $281,667 $4,222 6.83%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $835,000 $167,000 $2,789 6.98%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $800,000 $400,000 $5,531 5.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $785,000 $261,667 $4,454 6.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $775,000 $775,000 $9,658 6.13%
PITTSBURGH, PA (FHA|USDA|VA) 3 $755,000 $251,667 $7,064 5.88%
LYNCHBURG, VA (FHA|USDA|VA) 3 $695,000 $231,667 $5,800 7.54%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $695,000 $231,667 $3,532 6.21%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $685,000 $685,000 $7,476 5.00%
WACO, TX (FHA|USDA|VA) 2 $660,000 $330,000 $5,506 7.44%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $635,000 $211,667 $4,616 7.58%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $635,000 $635,000 $6,682 5.63%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $580,000 $290,000 $6,604 7.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $575,000 $575,000 $4,564 5.75%
Cullowhee, NC (FHA|USDA|VA) 1 $505,000 $505,000 $6,570 6.25%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $3,850 6.25%
Los Alamos, NM (FHA|USDA|VA) 1 $485,000 $485,000 $7,310 5.50%
BATON ROUGE, LA (FHA|USDA|VA) 2 $450,000 $225,000 $4,104 7.19%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $415,000 $415,000 $12,387 5.38%
Boone, NC (FHA|USDA|VA) 1 $415,000 $415,000 $4,168 5.38%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $410,000 $205,000 $3,230 5.88%
McMinnville, TN (FHA|USDA|VA) 1 $395,000 $395,000 $0 7.75%
Batesville, AR (FHA|USDA|VA) 6 $380,000 $63,333 $1,441 7.40%
Somerset, KY (FHA|USDA|VA) 1 $375,000 $375,000 $5,141 5.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,629 7.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $310,000 $155,000 $5,098 6.56%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $2,878 6.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $295,000 $295,000 $4,476 7.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,505 7.00%
Nacogdoches, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,805 7.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $290,000 $145,000 $2,944 7.06%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $275,000 $275,000 $5,091 6.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,293 5.88%
STAUNTON, VA (FHA|USDA|VA) 1 $275,000 $275,000 $2,661 4.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,611 6.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $275,000 $275,000 $4,355 6.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,201 6.38%
Union, SC (FHA|USDA|VA) 1 $245,000 $245,000 $3,134 7.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $240,000 $60,000 $1,345 8.03%
DALTON, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.25%
Granbury, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,187 7.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,660 7.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,219 6.25%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $2,934 6.25%
Columbus, MS (FHA|USDA|VA) 1 $225,000 $225,000 $4,599 5.88%
Fort Payne, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,742 6.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,764 6.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $205,000 $205,000 $6,034 7.25%
MONROE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $5,687 5.75%
Alexander City, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,966 7.63%
Dayton, TN (FHA|USDA|VA) 1 $195,000 $195,000 $4,727 10.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.50%
ROME, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,762 6.50%
Martinsville, VA (FHA|USDA|VA) 2 $190,000 $95,000 $2,296 7.44%
GREENVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,288 5.75%
SUMTER, SC (FHA|USDA|VA) 1 $185,000 $185,000 $3,259 5.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
Jefferson, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,224 6.13%
AKRON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,916 6.50%
CHARLESTON, WV (FHA|USDA|VA) 1 $175,000 $175,000 $3,931 6.50%
Marion, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.65%
London, KY (FHA|USDA|VA) 2 $170,000 $85,000 $1,707 6.94%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.50%
ERIE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.63%
Wooster, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,945 6.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $1,630 7.50%
OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,308 8.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.88%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.38%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $125,000 $125,000 $1,249 6.75%
MOBILE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,323 7.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,316 6.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $125,000 $125,000 $2,010 6.50%
FLORENCE, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,945 6.88%
Danville, VA (FHA|USDA|VA) 1 $105,000 $105,000 $2,703 8.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.50%
Concord, NH (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.50%
DULUTH, MN-WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.00%
Palatka, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,439 7.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
JACKSON, TN (FHA|USDA|VA) 1 $75,000 $75,000 $1,285 7.25%
COLUMBUS, OH (FHA|USDA|VA) 1 $65,000 $65,000 $1,165 7.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $65,000 $65,000 $2,160 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $805 6.88%
JONESBORO, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $55,000 $55,000 $899 7.25%
Waycross, GA (FHA|USDA|VA) 1 $55,000 $55,000 $995 6.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $55,000 $55,000 $2,772 6.63%
Henderson, NC (FHA|USDA|VA) 1 $55,000 $55,000 $1,294 5.88%
COLUMBIA, MO (FHA|USDA|VA) 1 $45,000 $45,000 $1,507 6.88%
TUCSON, AZ (FHA|USDA|VA) 1 $45,000 $45,000 $1,195 7.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.63%
Orangeburg, SC (FHA|USDA|VA) 1 $35,000 $35,000 $1,195 7.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,180 6.25%
BECKLEY, WV (FHA|USDA|VA) 1 $15,000 $15,000 $1,534 7.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.75%
Eastman's top markets include Kingsport, Johnson City, Longview, Spartanburg, and Greeneville among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against EASTMAN based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SouthEast Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,375 $655,205,000 $194,135 $2,974 6.89%
    HELOC 946 $82,580,000 $87,294 n/a 8.16%
    VA 6 $1,830,000 $305,000 $5,877 6.85%
    USDA 2 $370,000 $185,000 $4,850 6.50%
    FHA 1 $225,000 $225,000 $9,357 6.50%

    For 2023, Eastman's most frequently originated type of loan was Conventional, with 3,375 originations. Their 2nd most popular type was HELOC, with 946 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,914 $507,230,000 $265,010 $4,524 6.97%
    Home Improvement 1,074 $106,650,000 $99,302 $1,003 7.45%
    Other 733 $53,735,000 $73,308 $1,098 7.39%
    Cash Out Refi 498 $58,340,000 $117,149 $1,923 7.17%
    Refi 111 $14,255,000 $128,423 $1,865 6.45%

    For 2023, Eastman's most frequently cited loan purpose was Home Purchase, with 1,914 originations. The 2nd most popular reason was Home Improvement, with 1,074 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,716 $132,740,000 $77,354 $1,226 7.35%
    30 Year 1,471 $363,065,000 $246,815 $4,204 7.04%
    20 Year 442 $50,490,000 $114,231 $3,947 7.86%
    10 Year 247 $17,425,000 $70,547 $892 6.63%
    Other 193 $41,585,000 $215,466 $5,616 6.06%
    30+ year 184 $78,500,000 $426,630 $6,923 7.01%
    5 Year 76 $56,360,000 $741,579 $791 6.48%
    3 Year 1 $45,000 $45,000 $0 6.13%

    For 2023, Eastman's most frequently cited loan duration was 15 Year, with 1,716 originations. The 2nd most popular length was 30 Year, with 1,471 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,173 $270,245,000 $124,365
    $1k-2k 627 $122,105,000 $194,745
    $2k-3k 193 $61,135,000 $316,762
    $3k-4k 89 $36,365,000 $408,596
    $5k+ 67 $45,325,000 $676,493
    $4k-5k 50 $25,420,000 $508,400

    Eastman's average total fees were $4,204, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,173 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,556 $274,340,000 $176,311
    7-8% 1,404 $227,700,000 $162,179
    Over 8% 823 $95,835,000 $116,446
    5-6% 525 $135,175,000 $257,476
    4-5% 21 $7,065,000 $336,429
    3-4% 1 $95,000 $95,000

    During 2023, Eastman's average interest rate for loans was 7.04%, while their most frequently originated rate bucket for loans was 6-7%, with 1,556 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,129 $113,375,000 $53,253 $1,200 7.35%
    $100k-200k 1,095 $159,565,000 $145,721 $3,177 7.18%
    $200k-400k 824 $226,190,000 $274,502 $4,476 6.91%
    $400k-600k 156 $73,650,000 $472,115 $6,502 6.60%
    $600k-1MM 97 $73,345,000 $756,134 $8,587 6.24%
    $1MM+ 29 $94,085,000 $3,244,310 $14,280 6.68%

    2023 saw Eastman place emphasis on $100,000 or less loans with 2,129 originations, totaling $113,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 979 $103,905,000 $106,134 $2,439 7.24%
    $100k-150k 900 $151,730,000 $168,589 $3,239 7.19%
    $50k or less 769 $54,425,000 $70,774 $1,932 7.28%
    $75k-100k 760 $99,620,000 $131,079 $2,758 7.30%
    $150k-250k 525 $130,755,000 $249,057 $4,223 7.01%
    $250k+ 200 $103,760,000 $518,800 $7,146 6.70%

    Eastman lent most frequently to those with incomes in the $50k-75k range, with 979 originations. The second most popular income band? $100k-150k, with 900 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 784 $114,520,000 $146,071 $3,017 7.06%
    30-36% 764 $125,100,000 $163,743 $3,014 7.15%
    <20% 263 $36,795,000 $139,905 $3,078 6.86%
    41% 193 $27,695,000 $143,497 $2,703 7.30%
    39% 186 $28,900,000 $155,376 $3,057 7.20%
    43% 185 $31,155,000 $168,405 $3,132 7.28%
    46% 176 $28,030,000 $159,261 $2,923 7.27%
    49% 170 $25,700,000 $151,176 $2,883 7.39%
    44% 169 $24,795,000 $146,716 $2,801 7.32%
    42% 168 $26,870,000 $159,940 $3,151 7.41%
    48% 165 $27,255,000 $165,182 $2,943 7.37%
    40% 162 $27,820,000 $171,728 $3,157 7.29%
    47% 159 $26,225,000 $164,937 $2,948 7.21%
    38% 154 $23,890,000 $155,130 $2,877 7.06%
    37% 150 $23,060,000 $153,733 $2,794 7.31%
    45% 150 $20,110,000 $134,067 $2,723 7.37%
    36% 148 $26,150,000 $176,689 $3,288 7.29%
    50-60% 36 $5,880,000 $163,333 $2,819 7.36%
    >60% 7 $965,000 $137,857 $1,005 7.00%

    Eastman lent most frequently to those with DTI ratios of 20-30%, with 784 originations. The next most common DTI ratio? 30-36%, with 764 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,842 $575,810,000 $149,872 $2,884 7.20%
    Not applicable 103 $80,855,000 $785,000 $0 6.39%
    Not provided 249 $54,495,000 $218,855 $3,735 7.08%
    Asian 33 $11,855,000 $359,242 $6,287 6.45%
    Black 69 $11,215,000 $162,536 $3,642 7.44%
    American Indian 25 $3,275,000 $131,000 $2,728 7.07%
    Asian Indian 5 $2,235,000 $447,000 $8,543 5.63%
    Other Asian 2 $390,000 $195,000 $3,316 6.31%
    Vietnamese 1 $55,000 $55,000 $0 7.13%
    Native Hawaiian or Islander 1 $25,000 $25,000 $0 7.50%

    Approval Rates

    Total approvals of all applications
    78.92%

    Eastman has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.82%

    Eastman has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1575.0 1 $45,000 $45,000
    1590.0 1 $65,000 $65,000
    1790.0 1 $85,000 $85,000
    1815.0 1 $95,000 $95,000
    1843.0 1 $85,000 $85,000
    1872.5 1 $45,000 $45,000
    1880.0 1 $35,000 $35,000
    1925.0 1 $55,000 $55,000
    1984.38 1 $65,000 $65,000
    2096.25 1 $35,000 $35,000
    2247.7 1 $85,000 $85,000
    2348.53 1 $145,000 $145,000
    2439.4 1 $205,000 $205,000
    2444.81 1 $165,000 $165,000
    2539.06 1 $105,000 $105,000
    2655.5 1 $125,000 $125,000
    2781.66 1 $125,000 $125,000
    2791.72 1 $135,000 $135,000
    3357.55 1 $215,000 $215,000
    NA 4,311 $738,295,000 $171,258

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,330 $740,210,000 $170,949

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 965 $85,995,000 $89,114 $1,379 7.33%
    40-60% 408 $109,810,000 $269,142 $2,616 6.95%
    60-80% 599 $152,395,000 $254,416 $4,374 6.60%
    80-100% 1,212 $332,530,000 $274,365 $4,601 7.21%
    Over 100% 34 $8,990,000 $264,412 $4,331 7.44%
    Under 20% 1,112 $50,490,000 $45,405 $877 7.36%