Eastman Mortgage Rates, Fees & Info
Kingsport, TNLEI: 549300DDLYW49R2HCV81
Tax ID: 62-6039479
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Mortgage Data
Review & Overview
Eastman is a small 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 Morristown among others. We have data for 140 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% | 4/18/24 |
| 30 Year Conventional Purchase | 7.07% | 4/18/24 |
| 30 Year Conventional Refi | 6.90% | 4/18/24 |
| 30 Year Cash-out Refi | 7.19% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.71% | 4/18/24 |
| 30 Year USDA Purchase | 7.15% | 4/18/24 |
| 15 Year Conventional Purchase | 6.54% | 4/18/24 |
| 15 Year Conventional Refi | 6.49% | 4/18/24 |
| 15 Year Cash-out Refi | 6.49% | 4/18/24 |
| 15 Year FHA Purchase | 8.78% | 4/18/24 |
| 15 Year VA Purchase | 6.78% | 4/18/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,704Origination Dollar Volume (All Markets)
$1,010,950,000Awards
EASTMAN - 2021
EASTMAN is a 2021 , due to their low .
For 2021, 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) | 2,531 | $371,875,000 | $146,928 | $3,045 | 3.78% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1,418 | $259,600,000 | $183,075 | $3,361 | 3.73% |
| LONGVIEW, TX (FHA|USDA|VA) | 425 | $91,235,000 | $214,671 | $4,344 | 3.73% |
| Greeneville, TN (FHA|USDA|VA) | 348 | $49,570,000 | $142,443 | $2,979 | 3.89% |
| Outside of Metro Areas | 330 | $43,750,000 | $132,576 | $2,993 | 4.02% |
| MORRISTOWN, TN (FHA|USDA|VA) | 40 | $33,540,000 | $838,500 | $3,718 | 3.81% |
| Big Stone Gap, VA (FHA|USDA|VA) | 152 | $19,590,000 | $128,882 | $2,849 | 4.11% |
| KNOXVILLE, TN (FHA|USDA|VA) | 66 | $16,510,000 | $250,152 | $3,858 | 3.66% |
| Sevierville, TN (FHA|USDA|VA) | 31 | $16,055,000 | $517,903 | $4,947 | 3.78% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 20 | $6,870,000 | $343,500 | $3,989 | 3.55% |
| TYLER, TX (FHA|USDA|VA) | 22 | $5,750,000 | $261,364 | $5,077 | 3.76% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 22 | $5,530,000 | $251,364 | $3,662 | 3.52% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 11 | $5,245,000 | $476,818 | $7,984 | 3.39% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $11,649 | 3.63% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $3,995,000 | $1,331,667 | $7,694 | 3.92% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $5,725 | 3.70% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $2,855,000 | $951,667 | $16,290 | 3.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,720,000 | $272,000 | $4,760 | 3.74% |
| ASHEVILLE, NC (FHA|USDA|VA) | 11 | $2,505,000 | $227,727 | $2,958 | 3.72% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $5,906 | 3.54% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,965,000 | $280,714 | $5,921 | 3.77% |
| Newport, TN (FHA|USDA|VA) | 14 | $1,850,000 | $132,143 | $3,703 | 4.37% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,740,000 | $870,000 | $6,489 | 3.56% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $3,466 | 3.40% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $3,269 | 3.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $3,430 | 3.32% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,590,000 | $795,000 | $8,568 | 4.06% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,570,000 | $785,000 | $2,961 | 2.81% |
| Mount Pleasant, TX (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $4,001 | 3.91% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $3,113 | 4.29% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $11,585 | 2.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $6,214 | 4.38% |
| Bluefield, WV-VA (FHA|USDA|VA) | 9 | $1,305,000 | $145,000 | $2,591 | 3.56% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,261 | 3.88% |
| Boone, NC (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $2,506 | 3.47% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,886 | 3.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $4,964 | 3.53% |
| Lufkin, TX (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,337 | 3.79% |
| Seneca, SC (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $6,058 | 3.19% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $10,419 | 3.54% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $9,489 | 3.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $9,061 | 2.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $2,991 | 4.09% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,181 | 3.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $9,744 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,226 | 4.04% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,522 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,653 | 3.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,308 | 4.13% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,359 | 3.69% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $2,584 | 3.40% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,706 | 3.21% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $2,769 | 3.13% |
| Batesville, AR (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $3,281 | 3.44% |
| Cookeville, TN (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $2,854 | 4.00% |
| Lewisburg, PA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $8,104 | 3.56% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,766 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,740 | 3.38% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,925 | 4.00% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $560,000 | $93,333 | $2,653 | 3.73% |
| Crossville, TN (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,926 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,715 | 3.19% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,666 | 3.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,670 | 5.00% |
| Jacksonville, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,905 | 3.42% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $8,775 | 3.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,541 | 3.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,851 | 3.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,352 | 4.38% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,186 | 3.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,236 | 3.19% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,062 | 3.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,397 | 4.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,703 | 2.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,093 | 2.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,366 | 4.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,661 | 3.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,194 | 3.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,361 | 5.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,979 | 2.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,903 | 4.25% |
| Athens, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,661 | 3.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,620 | 2.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,485 | 3.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,489 | 2.88% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,606 | 3.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,018 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,623 | 2.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,497 | 3.38% |
| Marion, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,016 | 4.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,126 | 3.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,651 | 3.44% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,411 | 4.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,653 | 3.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,838 | 4.00% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,421 | 3.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,911 | 3.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,963 | 3.88% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,564 | 3.88% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $2,898 | 3.79% |
| Lake City, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,011 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,494 | 4.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,261 | 3.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,288 | 2.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.63% |
| Wooster, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,987 | 3.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,115 | 3.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,522 | 4.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,482 | 3.63% |
| Meridian, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,912 | 2.88% |
| Somerset, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,352 | 4.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,960 | 3.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,054 | 4.25% |
| Heber, UT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.70% |
| Waycross, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,871 | 3.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,381 | 4.88% |
| Danville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,733 | 4.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,293 | 3.00% |
| Duncan, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,553 | 3.13% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,929 | 3.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,389 | 2.88% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,308 | 4.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,744 | 2.63% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,503 | 3.25% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,407 | 2.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,252 | 3.25% |
| ERIE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,237 | 3.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,852 | 4.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,958 | 3.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,564 | 3.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,458 | 3.38% |
| New Castle, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.63% |
| Outside of Metro Areas | 1 | $55,000 | $55,000 | $0 | 3.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.50% |
| Danville, VA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,152 | 6.50% |
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Product Mix
For 2021, Eastman's most frequently originated type of loan was Conventional, with 4,620 originations. Their 2nd most popular type was HELOC, with 1,020 originations.
Loan Reason
For 2021, Eastman's most frequently cited loan purpose was Home Purchase, with 2,701 originations. The 2nd most popular reason was Cash Out Refi, with 1,164 originations.
Loan Duration/Length
For 2021, Eastman's most frequently cited loan duration was 30 Year, with 2,875 originations. The 2nd most popular length was 15 Year, with 1,628 originations.
Origination Fees/Closing Costs
Eastman's average total fees were $3,329, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,282 originations.
Interest Rates
During 2021, Eastman's average interest rate for loans was 4.03%, while their most frequently originated rate bucket for loans was 3-4%, with 3,129 originations.
Loan Sizing
2021 saw Eastman place emphasis on $100k-200k loans with 2,169 originations, totaling $312,155,000 in origination value.
Applicant Income
Eastman lent most frequently to those with incomes in the $50k or less range, with 1,554 originations. The second most popular income band? $50k-75k, with 1,473 originations.
Applicant Debt to Income Ratio
Eastman lent most frequently to those with DTI ratios of 20-30%, with 1,430 originations. The next most common DTI ratio? 30-36%, with 1,173 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.93%
Eastman has a below average approval rate.
Pick Rate
Approvals leading to origination73.70%
Eastman has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 825.0 | 1 | $155,000 | $155,000 |
| NA | 5,703 | $1,010,795,000 | $177,239 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,704 | $1,010,950,000 | $177,235 |