What loan types does Educational Systems offer?

Educational Systems offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 92.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Educational Systems?

Educational Systems is a Credit Union headquartered in Greenbelt, MD.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

66 loans · 0.06% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

45 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

21 loans · 0.14% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	66	100.0%	-0.060%Below	$276Credit

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	45	68.2%	-0.025%Below	$180Credit
Refinance	Sound	Acceptable	Exceptional	Acceptable	21	31.8%	-0.135%Below	$479Credit

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

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

8Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast1

South7

DCFLKYMDSCVAWV

Top Metro Areas by Place Specialization Score

Frederick, MDMetro

Volume 21Mix 31.82% of portfolio

60/100

Strong

Washington, DC, DC-MDMetro

Volume 15Mix 22.73% of portfolio

56/100

Sound

Baltimore, MDMetro

Volume 11Mix 16.67% of portfolio

47/100

Sound

Top States by Place Specialization Score

MarylandState

Volume 58Mix 87.88% of portfolio

65/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.