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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ESSA BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
ESSA BANK & TRUST |
| Address | 200 PALMER STREET, PO BOX L
STROUDSBURG, PA 18360 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,057 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $148,295,000 |
| Average Mortgage Loan Amount Applied For | $194,133 |
| Highest Mortgage Loan Amount Applied For | $795,000 |
| Average Applicant Income | $96,066 |
| Highest Applicant Income | $3,086,000 |
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| Home Improvement |
167 | $6,541,000 |
$39,000 | $252,000 |
$72,000 | $235,000 |
| Home Purchase |
498 | $88,701,000 |
$178,000 | $772,000 |
$99,000 | $3,086,000 |
| Refinancing |
393 | $53,253,000 |
$135,000 | $795,000 |
$77,000 | $420,000 |
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| American Indian or Alaskan Native |
1 | $60,000 |
$60,000 | $60,000 |
$54,000 | $54,000 |
| Asian |
11 | $2,918,000 |
$265,000 | $772,000 |
$134,000 | $528,000 |
| Black or African American |
18 | $3,271,000 |
$181,000 | $376,000 |
$77,000 | $165,000 |
| Hispanic |
32 | $5,316,000 |
$166,000 | $401,000 |
$95,000 | $282,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $121,000 |
$60,000 | $99,000 |
$37,000 | $42,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
62 | $7,795,000 |
$125,000 | $600,000 |
$89,000 | $900,000 |
| White |
932 | $129,014,000 |
$138,000 | $795,000 |
$86,000 | $3,086,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,058 | $148,495,000 |
$140,000 | $795,000 |
$87,000 | $3,086,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
16 | $2,067,000 |
$129,000 | $295,000 |
$79,000 | $170,000 |
| Application Denied By Financial Institution |
123 | $15,567,000 |
$126,000 | $795,000 |
$61,000 | $206,000 |
| Application Withdrawn By Applicant |
80 | $10,148,000 |
$126,000 | $450,000 |
$74,000 | $343,000 |
| File Closed For Incompleteness |
88 | $14,790,000 |
$168,000 | $417,000 |
$82,000 | $365,000 |
| Loan Originated |
750 | $105,723,000 |
$140,000 | $772,000 |
$93,000 | $3,086,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $200,000 |
$200,000 | $200,000 |
$121,000 | $121,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
9 | $827,000 |
$91,000 | $266,000 |
$67,000 | $133,000 |
| Credit Application Incomplete |
1 | $30,000 |
$30,000 | $30,000 |
$30,000 | $30,000 |
| Credit History |
52 | $7,225,000 |
$138,000 | $795,000 |
$66,000 | $206,000 |
| Debt-To-Income Ratio |
48 | $6,276,000 |
$130,000 | $339,000 |
$55,000 | $206,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $595,000 |
$148,000 | $220,000 |
$82,000 | $132,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $259,000 |
$51,000 | $113,000 |
$59,000 | $105,000 |
| Unverifiable Information |
4 | $355,000 |
$88,000 | $135,000 |
$45,000 | $84,000 |
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Mortgage Loan App Totals for ESSA BANK & TRUST by:
Metropolitan Area And
County
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