Lender profile · HMDA 2023–2025
Educational Systems mortgage approval rates & lending data
Educational Systems decided 2,024 mortgage applications and funded 1,113 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 192 / 245 | 79% | $375K | 152 |
| Home improvement loans | 57% | 681 / 1,197 | 99% | $65K | 673 |
| Cash-out refinance | 62% | 122 / 196 | 84% | $125K | 103 |
| Refinance | 68% | 208 / 306 | 84% | $115K | 175 |
| Investment home improvement | 12% | 6 / 48 | 100% | $105K | 6 |
Educational Systems lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 60% | $65K | 1,821 | 1,020 |
| Virginia | 77% | $715K | 60 | 36 |
| District of Columbia | 57% | $105K | 44 | 22 |
| Delaware | 55% | $105K | 20 | 10 |
| South Carolina | 56% | $195K | 16 | 6 |
| Florida | 31% | $295K | 13 | 3 |
| North Carolina | 25% | $225K | 12 | 3 |
| New Jersey | 38% | $385K | 8 | 2 |
| Pennsylvania | 88% | $85K | 8 | 5 |
| Ohio | 25% | $385K | 4 | 1 |
| Georgia | 33% | — | 3 | 0 |
| Texas | 67% | — | 3 | 0 |
| California | 50% | $805K | 2 | 1 |
| Indiana | 50% | $395K | 2 | 1 |
| Colorado | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.