Educational Systems in Maryland vs the state
40.1%Denial rate+21.31 pts vs state
44.4%Decision denial rate+20.29 pts vs state
46.5%Origination rate-9.26 pts vs state
4.99%Median rate-1.63 pts vs state
-2.30Rate spread (pts)-2.55 pts vs state
$123kMedian applicant income
608Loans originated
525Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 942 | 493 | 36.3% | 4.99% | #47 |
| 2024 | 1,165 | 558 | 37.5% | 4.99% | #45 |
| 2025 | 1,309 | 608 | 40.1% | 4.99% | #44 |
What Educational Systems lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Educational Systems applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 421 | 180 | 184 | 43.7% |
| Prince George's County | 293 | 105 | 149 | 50.9% |
| Frederick County | 127 | 81 | 23 | 18.1% |
| Charles County | 99 | 51 | 36 | 36.4% |
| Anne Arundel County | 78 | 36 | 29 | 37.2% |
| Calvert County | 70 | 44 | 18 | 25.7% |
| Howard County | 54 | 31 | 12 | 22.2% |
| St. Mary's County | 54 | 25 | 25 | 46.3% |
| Baltimore County | 19 | 12 | 6 | 31.6% |
| Carroll County | 15 | 11 | 3 | 20.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 1,309 applications in 2025, of which 608 were originated and 525 denied.
40.1% of all applications, or 44.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Educational Systems originated in Maryland in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Educational Systems's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology