Lender in Virginia · HMDA 2025
Eastman Credit Union mortgages in Virginia
Eastman Credit Union's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Eastman Credit Union originated 253 owner-occupied single-family loans in Virginia from 340 completed applications.
Its median conventional purchase loan costs were $3,920 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 7.375% (Virginia: 6.625%).
Loans in VA
253
of 340 applications
Denial rate
13.5%
Purchase · VA 6.9%
Rate spread
+0.84 pts
Conv. · VA +0.10 pts
Loan amount
$175,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 245 | 204 | 13.5% | 7.375% | +0.84 pts | $3,920 | $175,000 |
| Refinance | 16 | 6 | — | — | — | — | — |
| Cash-out refinance | 79 | 43 | 43.0% | — | +0.84 pts | $3,450 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Eastman Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washington County | 1 | 56 | 10.2% |
| Wise County | 1 | 37 | 21.8% |
| Bristol city | 1 | 34 | 14.4% |
| Russell County | 1 | 33 | 20.4% |
| Scott County | 1 | 27 | 19.1% |
| Lee County | 1 | 22 | 17.1% |
| Norton city | 1 | 7 | 38.9% |
| Dickenson County | 2 | 8 | 15.1% |
| Buchanan County | 3 | 5 | 9.1% |
| Smyth County | 4 | 10 | 4.0% |
| Tazewell County | 17 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology