Applications / Mortgage Analytics / Lenders / Maryland / Educational Systems Federal Credit Union
Greenbelt, MD · Credit union · NCUA · $1.3 billion assets · 686 loans in 2025
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686
loans originated, 2025
1,482
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Educational Systems Federal Credit Union is a Maryland credit union whose lending is concentrated in majority-minority neighbourhoods, and its originations rose 17% in 2025 while its dollar volume nearly doubled.
Originations rose 17% to 686, against 7% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. Its dollar volume rose from $68.2 million to $127.3 million, about double, as its typical loan grew from $85,000 to $105,000, the same as similar lenders'.
Of its loans, 46.7% were in majority-minority tracts, against 10.5% at similar lenders, higher than nearly nine in ten of them. Low- and moderate-income (LMI) borrowers took 32.4%, against 26.9%, higher than about three-quarters of similar lenders.
Home improvement makes up 37.9% of its loans, refinances 27.7%, other purposes 24.1% and purchases 10.3%, all conventional. None of its loans were higher-priced (a rate well above the average for similar loans), against 1.6% at similar lenders, and its denial rate on first-lien refinance applications for owner-occupied homes, 20.5%, is near the middle of similar lenders.
It ranks 121 of 757 in Washington-Arlington-Alexandria and 177 of 592 in Baltimore-Columbia-Towson. In Lexington Park it ranks 52 of 291, with a share that slipped to 0.4% from 0.5%, a change too small to read much into.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Educational Systems Federal Credit Union took 1,482 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.9% · Refinance 27.7% · Other 24.1% · Purchase 10.3%
Conventional 100.0% · of 686 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 608 | 88.6% |
| Virginia | 42 | 6.1% |
| District of Columbia | 7 | 1.0% |
| Delaware | 5 | 0.7% |
| West Virginia | 5 | 0.7% |
| Pennsylvania | 4 | 0.6% |
| South Carolina | 4 | 0.6% |
| North Carolina | 2 | 0.3% |
| New Jersey | 2 | 0.3% |
| California | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Frederick-Gaithersburg-Bethesda | 261 |
| Washington | 163 |
| Baltimore-Columbia-Towson | 97 |
| Lexington Park | 69 |
| Arlington-Alexandria-Reston | 36 |
| Hagerstown-Martinsburg | 4 |
| Richmond | 4 |
| Wilmington | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Camden | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F2GDWKJH3GMB47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 832489 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510696 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Educational Systems Federal Credit Union's data.
Educational Systems Federal Credit Union's data
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Educational Systems Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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