Educational Systems in Virginia vs the state
18.6%Denial rate+2.63 pts vs state
20.0%Decision denial rate-0.25 pts vs state
60.0%Origination rate+0.48 pts vs state
4.99%Median rate-1.63 pts vs state
-0.94Rate spread (pts)-1.16 pts vs state
$162kMedian applicant income
42Loans originated
13Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 15 | 18.2% | 4.99% | #465 |
| 2024 | 25 | 5 | 68.0% | 4.99% | #454 |
| 2025 | 70 | 42 | 18.6% | 4.99% | #331 |
What Educational Systems lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Educational Systems applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 27 | 16 | 3 | 11.1% |
| Fairfax County | 14 | 12 | 1 | 7.1% |
| Prince William County | 7 | 4 | 2 | 28.6% |
| Northumberland County | 3 | 1 | 1 | 33.3% |
| Warren County | 3 | 1 | 1 | 33.3% |
| Chesterfield County | 3 | 2 | 0 | 0.0% |
| Henrico County | 2 | 1 | 1 | 50.0% |
| King George County | 2 | 2 | 0 | 0.0% |
| Westmoreland County | 2 | 0 | 1 | 50.0% |
| Stafford County | 1 | 0 | 1 | 100.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 70 applications in 2025, of which 42 were originated and 13 denied.
18.6% of all applications, or 20.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Educational Systems originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology