Essa Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Essa Bank & Trust of Stroudsburg, PA reported 378 mortgage applications totaling $104.3 million, down 54% from 2024. The average application was for $276,031, and applicants reported an average income of $140,566. 76% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (112), Philadelphia, PA (59) and Scranton--Wilkes-Barre--Hazleton, PA (36) (applications in parentheses).
| Mortgage Company & Address | Essa Bank & Trust 200 Palmer Street Stroudsburg, PA 18360 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 378 |
| Total Mortgage Loan Application Amount | $104,340,000 |
| Average Mortgage Loan Application Amount | $276,031 |
| Highest Mortgage Loan Application Amount | $9,105,000 |
| Average Applicant Income | $140,566 |
| Highest Applicant Income | $1,078,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe, Pennsylvania | 147 | $ 27,415,000 | $ 186,496 | $ 137,000 |
| Lehigh, Pennsylvania | 60 | $ 17,410,000 | $ 290,166 | $ 158,000 |
| Northampton, Pennsylvania | 44 | $ 20,590,000 | $ 467,954 | $ 137,000 |
| Philadelphia, Pennsylvania | 41 | $ 9,095,000 | $ 221,829 | $ 83,000 |
| Luzerne, Pennsylvania | 28 | $ 9,050,000 | $ 323,214 | $ 158,000 |
| Delaware, Pennsylvania | 18 | $ 7,700,000 | $ 427,777 | $ 180,000 |
| Pike, Pennsylvania | 9 | $ 1,335,000 | $ 148,333 | $ 132,000 |
| Carbon, Pennsylvania | 8 | $ 1,910,000 | $ 238,750 | $ 167,000 |
| Lackawanna, Pennsylvania | 8 | $ 3,640,000 | $ 455,000 | $ 195,000 |
| Berks, Pennsylvania | 5 | $ 865,000 | $ 173,000 | $ 95,000 |
| Wayne, Pennsylvania | 4 | $ 1,380,000 | $ 345,000 | $ 159,000 |
| Chester, Pennsylvania | 3 | $ 3,275,000 | $ 1,091,666 | $ 240,000 |
| Bucks, Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 169,000 |
| Montgomery, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 300,000 |
| Schuylkill, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 213 | $81,375,000 | $382,000 | $9,105,000 | $146,000 | $1,078,000 |
| Home Improvement | 63 | $4,915,000 | $78,000 | $355,000 | $132,000 | $704,000 |
| Other Purpose | 52 | $5,500,000 | $105,000 | $505,000 | $128,000 | $551,000 |
| Cash-out Refinancing | 36 | $5,600,000 | $155,000 | $1,505,000 | $134,000 | $377,000 |
| Refinancing | 14 | $6,950,000 | $496,000 | $2,225,000 | $160,000 | $316,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 219 | $50,795,000 | $231,000 | $2,005,000 | $153,000 | $1,078,000 |
| Hispanic | 56 | $11,240,000 | $200,000 | $395,000 | $88,000 | $213,000 |
| Black or African American | 47 | $9,015,000 | $191,000 | $565,000 | $79,000 | $365,000 |
| Asian | 29 | $8,755,000 | $301,000 | $1,075,000 | $212,000 | $600,000 |
| Not Provided | 19 | $6,025,000 | $317,000 | $1,045,000 | $184,000 | $417,000 |
| Not applicable | 7 | $16,975,000 | $2,425,000 | $9,105,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $1,535,000 | $1,535,000 | $1,535,000 | $254,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 378 | $104,340,000 | $276,000 | $9,105,000 | $140,000 | $1,078,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 287 | $77,895,000 | $271,000 | $9,105,000 | $141,000 | $704,000 |
| Application Denied By Financial Institution | 44 | $8,900,000 | $202,000 | $2,005,000 | $108,000 | $650,000 |
| Application Withdrawn By Applicant | 33 | $12,975,000 | $393,000 | $1,575,000 | $176,000 | $1,078,000 |
| Application Approved But Not Accepted | 8 | $3,850,000 | $481,000 | $2,105,000 | $125,000 | $239,000 |
| File Closed For Incompleteness | 6 | $720,000 | $120,000 | $175,000 | $147,000 | $316,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 334 | $95,440,000 | $285,000 | $9,105,000 | $145,000 | $1,078,000 |
| Debt-To-Income Ratio | 25 | $3,835,000 | $153,000 | $1,535,000 | $70,000 | $254,000 |
| Collateral | 10 | $1,510,000 | $151,000 | $425,000 | $143,000 | $341,000 |
| Credit History | 4 | $830,000 | $207,000 | $335,000 | $150,000 | $325,000 |
| Employment History | 3 | $705,000 | $235,000 | $315,000 | $95,000 | $100,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $650,000 | $650,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Essa Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Essa Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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