EDUCATIONAL SYSTEMS
EDUCATIONAL SYSTEMS received 1,482 applications in 2025 and made 686 mortgages, in 94 counties across 23 states. The median rate its borrowers got was 4.990% on a median loan of $105,000. Of 1,341 decisions, 589 were denials — 43.9%, most often for other. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300F2GDWKJH3GMB47 |
|---|---|
| Applications received | 1,482 |
| Mortgages made | 686 |
| Denied | 589 |
| Approved, not taken up | 66 |
| Withdrawn or incomplete | 141 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.28 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 71 | 5.625% | $395,000 | 22.3% |
| Refinancing | 133 | 4.750% | $375,000 | 31.3% |
| Cash-out refinancing | 57 | 5.750% | $125,000 | 33.0% |
| Other purposes | 425 | 4.990% | $75,000 | 51.3% |
Where EDUCATIONAL SYSTEMS lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, MD | 180 | 4.990% | 48.3% |
| Prince George's County, MD | 105 | 4.990% | 57.3% |
| Frederick County, MD | 81 | 4.750% | 20.0% |
| Charles County, MD | 51 | 4.990% | 39.6% |
| Calvert County, MD | 44 | 4.990% | 27.7% |
| Anne Arundel County, MD | 36 | 4.990% | 44.6% |
| Howard County, MD | 31 | 4.990% | 26.1% |
| St. Mary's County, MD | 25 | 4.990% | 49.0% |
| Loudoun County, VA | 16 | 4.438% | 12.0% |
| Baltimore County, MD | 12 | 4.933% | 31.6% |
| Fairfax County, VA | 12 | 4.990% | 7.1% |
| Carroll County, MD | 11 | 5.125% | 20.0% |
| District of Columbia, DC | 7 | Under 10 loans | 50.0% |
| Talbot County, MD | 7 | Under 10 loans | 46.2% |
| Sussex County, DE | 5 | Under 10 loans | 54.6% |
| Caroline County, MD | 5 | Under 10 loans | 54.6% |
| Baltimore city, MD | 5 | Under 10 loans | 57.1% |
| Prince William County, VA | 4 | Under 10 loans | 28.6% |
| Cecil County, MD | 3 | Under 10 loans | 25.0% |
| Washington County, MD | 3 | Under 10 loans | 62.5% |
| Jefferson County, WV | 3 | Under 10 loans | 25.0% |
| Dorchester County, MD | 2 | Under 10 loans | 33.3% |
| Queen Anne's County, MD | 2 | Under 10 loans | 60.0% |
| Wicomico County, MD | 2 | Under 10 loans | 50.0% |
| Worcester County, MD | 2 | Under 10 loans | 25.0% |
| Carbon County, PA | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 2 | Under 10 loans | 0.0% |
| King George County, VA | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| Nassau County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Allen County, IN | 1 | Under 10 loans | 0.0% |
| Garrett County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 50.0% |
| Wake County, NC | 1 | Under 10 loans | 50.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Coryell County, TX | 1 | Under 10 loans | 0.0% |
| Accomack County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 50.0% |
| James City County, VA | 1 | Under 10 loans | 0.0% |
| Northumberland County, VA | 1 | Under 10 loans | 50.0% |
| Warren County, VA | 1 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.