Lenders › Educational Systems FCU › Maryland
Educational Systems FCU in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Educational Systems FCU's 2024 HMDA record for Maryland covers 1,165 applications, 558 of them originated, worth $64m.
Its denial rate in the state was 42.9%, above the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 44.8%.
The median rate spread on its Maryland originations was -3.0 percentage points (state median 0.3).
Applications in the state were up 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | Educational Systems FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 42.9% | 24.9% | 44.8% | 24.3% |
| Median rate spread, pp | -3.0 | 0.3 | -3.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.1% | 17.7% | 11.0% | 15.6% |
| Average originated loan | $115k | $348k | $117k | $329k |
| Home purchase share | 10.4% | 56.2% | 10.8% | 57.0% |
| FHA-insured share | 0.0% | 14.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 10% (58)Home improvement 45% (252)Refinancing 7% (41)Cash-out refinancing 4% (24)Other purpose 33% (183)
By type
Conventional 100% (558)
Denial reasons as coded
Share of 437 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 376 | 171 | $21m | 46.3% |
| Prince George's County | 311 | 138 | $13m | 46.9% |
| Frederick County | 92 | 50 | $6.0m | 37.6% |
| Calvert County | 73 | 42 | $4.7m | 32.3% |
| Charles County | 85 | 38 | $4.0m | 46.7% |
| St. Mary's County | 52 | 32 | $2.9m | 25.0% |
| Anne Arundel County | 59 | 28 | $3.5m | 40.0% |
| Howard County | 30 | 14 | $2.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Educational Systems FCU originate in Maryland in 2024?
558 loans totalling $64m, from 1,165 applications reported for properties in Maryland.
What is Educational Systems FCU's denial rate in Maryland?
42.9% of decided applications in Maryland were denied, against 24.9% for all lenders in the state and 44.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maryland counties does Educational Systems FCU lend in most?
By originations: Montgomery County (171), Prince George's County (138), Frederick County (50), Calvert County (42), Charles County (38).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maryland. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.