# EDUCATIONAL SYSTEMS

> **Canonical URL:** https://saferate.com/lenders/educational-systems


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EDUCATIONAL SYSTEMS is a credit union, headquartered in Greenbelt, MD, serving borrowers across 8 states, with 66 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300F2GDWKJH3GMB47
- **Headquarters:** Greenbelt, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** DC, FL, KY, MD, PA, SC, VA, WV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.060%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-276
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 66
- **Dollar Volume:** $23 million
- **Applications Received:** 115
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $349,091
- **Average Borrower Income:** $148,894
- **Average Property Value:** $499,394

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 66 | -0.060% | $-276 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 45 loans, Score: 26/100 (Acceptable)
- Refinance: 21 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 45 | $18M | -0.025% | Acceptable 🙂 |
| Refinance | 31/100 | 21 | $5M | -0.135% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 58 | 0.08% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Frederick | MD | 21 | 60/100 |
| Washington, DC | DC-MD | 15 | 56/100 |
| Baltimore | MD | 11 | 47/100 |

## Frequently Asked Questions

### What loan types does EDUCATIONAL SYSTEMS offer?

EDUCATIONAL SYSTEMS offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EDUCATIONAL SYSTEMS offer mortgages?

EDUCATIONAL SYSTEMS offers mortgages in 8 states: DC, FL, KY, MD, PA, SC, VA, WV.

### How competitive are EDUCATIONAL SYSTEMS's mortgage rates?

EDUCATIONAL SYSTEMS has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.060% below market average.

### What type of lender is EDUCATIONAL SYSTEMS?

EDUCATIONAL SYSTEMS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Greenbelt, MD.

### What is EDUCATIONAL SYSTEMS's loan approval success rate?

EDUCATIONAL SYSTEMS has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/educational-systems

### How to Cite

> "EDUCATIONAL SYSTEMS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/educational-systems

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