Eastman Mortgage Rates, Fees & Info
Kingsport, TNLEI: 549300DDLYW49R2HCV81
Tax ID: 62-6039479
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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, Greeneville, and Sevierville among others. We have data for 132 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.14% | 4/21/24 |
| 30 Year Conventional Purchase | 7.07% | 4/21/24 |
| 30 Year Conventional Refi | 6.90% | 4/21/24 |
| 30 Year Cash-out Refi | 7.19% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.71% | 4/21/24 |
| 30 Year USDA Purchase | 7.15% | 4/21/24 |
| 15 Year Conventional Purchase | 6.54% | 4/21/24 |
| 15 Year Conventional Refi | 6.49% | 4/21/24 |
| 15 Year Cash-out Refi | 6.49% | 4/21/24 |
| 15 Year FHA Purchase | 8.78% | 4/21/24 |
| 15 Year VA Purchase | 6.78% | 4/21/24 |
| 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
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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
5,963Origination Dollar Volume (All Markets)
$977,575,000Awards
EASTMAN - 2020
EASTMAN is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 2,662 | $376,100,000 | $141,285 | $2,916 | 4.06% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1,545 | $283,485,000 | $183,485 | $3,158 | 4.02% |
| LONGVIEW, TX (FHA|USDA|VA) | 510 | $98,880,000 | $193,882 | $4,018 | 4.13% |
| Greeneville, TN (FHA|USDA|VA) | 354 | $46,300,000 | $130,791 | $2,864 | 4.32% |
| Outside of Metro Areas | 326 | $42,200,000 | $129,448 | $2,744 | 4.35% |
| Sevierville, TN (FHA|USDA|VA) | 18 | $14,030,000 | $779,444 | $4,034 | 4.32% |
| KNOXVILLE, TN (FHA|USDA|VA) | 58 | $12,650,000 | $218,103 | $3,987 | 3.94% |
| Big Stone Gap, VA (FHA|USDA|VA) | 110 | $11,720,000 | $106,545 | $2,549 | 4.58% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 33 | $10,305,000 | $312,273 | $3,509 | 4.02% |
| MORRISTOWN, TN (FHA|USDA|VA) | 55 | $9,955,000 | $181,000 | $3,556 | 4.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $5,595,000 | $266,429 | $4,177 | 4.13% |
| TYLER, TX (FHA|USDA|VA) | 20 | $4,830,000 | $241,500 | $6,024 | 3.66% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 12 | $3,530,000 | $294,167 | $3,485 | 4.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $3,045,000 | $338,333 | $3,635 | 3.74% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $2,770,000 | $461,667 | $3,861 | 3.83% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $2,410,000 | $241,000 | $3,829 | 4.03% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,260,000 | $565,000 | $8,838 | 3.31% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $4,009 | 3.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $3,110 | 3.94% |
| Bluefield, WV-VA (FHA|USDA|VA) | 10 | $1,340,000 | $134,000 | $2,589 | 4.16% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $5,173 | 4.36% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,414 | 4.04% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,607 | 3.92% |
| Newport, TN (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $3,500 | 4.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $4,144 | 3.70% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,349 | 3.97% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $5,941 | 4.28% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,725 | 4.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $3,040 | 3.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,673 | 3.19% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $7,289 | 4.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $3,670 | 4.04% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,720 | 3.86% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $8,153 | 2.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 3.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 3.67% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $2,382 | 4.34% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,972 | 3.67% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,849 | 4.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,758 | 2.88% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $5,638 | 4.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,941 | 3.56% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,616 | 4.58% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $10,150 | 3.88% |
| Athens, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,608 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,911 | 3.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,859 | 3.42% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $2,611 | 4.05% |
| Batesville, AR (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $3,394 | 4.30% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,681 | 4.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,775 | 4.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,508 | 4.25% |
| Durango, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,624 | 3.38% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,019 | 3.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,077 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,131 | 4.13% |
| Cordele, GA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,541 | 3.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,711 | 3.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,263 | 3.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,497 | 3.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,125 | 3.81% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,263 | 3.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 3.75% |
| Mount Pleasant, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,118 | 4.56% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,198 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,321 | 4.63% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,221 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,414 | 5.13% |
| Russellville, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,556 | 4.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 4.10% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,253 | 3.25% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,340 | 4.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,042 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,047 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,648 | 3.38% |
| Waycross, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,025 | 5.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $1,074 | 5.13% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,427 | 3.38% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,162 | 5.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,824 | 3.81% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,626 | 4.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,166 | 3.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,668 | 3.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,439 | 3.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,458 | 5.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,156 | 4.13% |
| MADISON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,756 | 3.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,462 | 4.00% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,697 | 4.94% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,077 | 4.50% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,989 | 2.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,780 | 3.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,732 | 4.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,088 | 4.50% |
| London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,570 | 4.00% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,862 | 3.63% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,297 | 4.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,870 | 5.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,003 | 4.38% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,247 | 5.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,615 | 4.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,787 | 4.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,870 | 3.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,316 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,809 | 4.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,594 | 5.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,582 | 3.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,318 | 3.50% |
| Athens, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,526 | 4.38% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,164 | 4.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,209 | 3.63% |
| Seneca, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,508 | 3.88% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,053 | 4.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,703 | 3.75% |
| Bonham, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,333 | 4.38% |
| Lake City, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,730 | 4.38% |
| Somerset, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,655 | 3.00% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,992 | 6.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,165 | 3.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.75% |
| Kinston, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.50% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,279 | 6.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.50% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,482 | 2.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.50% |
| Searcy, AR (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.00% |
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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.
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Product Mix
For 2020, Eastman's most frequently originated type of loan was Conventional, with 4,909 originations. Their 2nd most popular type was HELOC, with 975 originations.
Loan Reason
For 2020, Eastman's most frequently cited loan purpose was Home Purchase, with 2,896 originations. The 2nd most popular reason was Cash Out Refi, with 1,074 originations.
Loan Duration/Length
For 2020, Eastman's most frequently cited loan duration was 30 Year, with 3,012 originations. The 2nd most popular length was 15 Year, with 1,628 originations.
Origination Fees/Closing Costs
Eastman's average total fees were $3,187, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,547 originations.
Interest Rates
During 2020, Eastman's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 3-4%, with 2,745 originations.
Loan Sizing
2020 saw Eastman place emphasis on $100k-200k loans with 2,312 originations, totaling $335,050,000 in origination value.
Applicant Income
Eastman lent most frequently to those with incomes in the $50k or less range, with 1,541 originations. The second most popular income band? $50k-75k, with 1,507 originations.
Applicant Debt to Income Ratio
Eastman lent most frequently to those with DTI ratios of 20-30%, with 1,610 originations. The next most common DTI ratio? 30-36%, with 1,217 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.34%
Eastman has an average approval rate.
Pick Rate
Approvals leading to origination72.46%
Eastman has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 365.0 | 1 | $25,000 | $25,000 |
| NA | 5,962 | $977,550,000 | $163,963 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| EQUITY HOME LENDERS, INC | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |