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Educational Systems

Credit Union•Greenbelt, MDHQ•Direct•Reviews near you on Google

Educational Systems has 66 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 3 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 6.00 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Educational Systems performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 6.0 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume66
Mix100.0%
Spread
-0.060%Below
Fees
$276Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume45
Mix68.2%
Spread
-0.025%Below
Fees
$180Credit
Refinance
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume21
Mix31.8%
Spread
-0.135%Below
Fees
$479Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
66
Applications
115
Volume
$23 million
Pricing & Closing
Avg Rate Spread
-0.060%
vs. market APOR
Avg Net Fees
$-276
Origination − Credits
Pullthrough Rate
57.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$349,091
Avg Borrower Income
$148,894
Avg Property Value
$499,394

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
South7
DCFLKYMDSCVAWV

Top Metro Areas by Place Specialization Score

1© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 21Mix 31.82% of portfolio
60/100
Strong
2© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 15Mix 22.73% of portfolio
56/100
Sound
3© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 11Mix 16.67% of portfolio
47/100
Sound

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 58Mix 87.88% of portfolio
65/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.