Essa Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Essa Bank & Trust of Stroudsburg, PA reported 1,439 mortgage applications totaling $230.2 million, up 32% from 2011. The average application was for $159,948, and applicants reported an average income of $102,587. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (339), Scranton--Wilkes-Barre, PA (247) and Newark-Union, NJ-PA (89) (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 | 1,439 |
| Total Mortgage Loan Application Amount | $230,166,000 |
| Average Mortgage Loan Application Amount | $159,948 |
| Highest Mortgage Loan Application Amount | $3,531,000 |
| Average Applicant Income | $102,587 |
| Highest Applicant Income | $725,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 698 | $ 98,696,000 | $ 141,398 | $ 97,000 |
| Northampton, Pennsylvania | 177 | $ 32,206,000 | $ 181,954 | $ 94,000 |
| Luzerne, Pennsylvania | 172 | $ 29,401,000 | $ 170,936 | $ 96,000 |
| Lehigh, Pennsylvania | 126 | $ 23,291,000 | $ 184,849 | $ 112,000 |
| Pike, Pennsylvania | 89 | $ 14,924,000 | $ 167,685 | $ 132,000 |
| Lackawanna, Pennsylvania | 73 | $ 14,596,000 | $ 199,945 | $ 123,000 |
| Wayne, Pennsylvania | 47 | $ 7,455,000 | $ 158,617 | $ 120,000 |
| Carbon, Pennsylvania | 36 | $ 5,522,000 | $ 153,388 | $ 103,000 |
| Schuylkill, Pennsylvania | 5 | $ 954,000 | $ 190,800 | $ 127,000 |
| Bucks, Pennsylvania | 4 | $ 865,000 | $ 216,250 | $ 126,000 |
| Montgomery, Pennsylvania | 3 | $ 709,000 | $ 236,333 | $ 151,000 |
| Berks, Pennsylvania | 2 | $ 283,000 | $ 141,500 | $ 101,000 |
| Chester, Pennsylvania | 2 | $ 461,000 | $ 230,500 | $ 107,000 |
| Susquehanna, Pennsylvania | 2 | $ 293,000 | $ 146,500 | $ 87,000 |
| Wyoming, Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 119,000 |
| Cape May, New Jersey | 1 | $ 250,000 | $ 250,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,002 | $153,518,000 | $153,000 | $730,000 | $99,000 | $725,000 |
| Home Purchase | 334 | $62,923,000 | $188,000 | $3,531,000 | $116,000 | $674,000 |
| Home Improvement | 103 | $13,725,000 | $133,000 | $1,300,000 | $94,000 | $344,000 |
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 | 1,135 | $173,600,000 | $152,000 | $1,066,000 | $101,000 | $674,000 |
| Not Provided | 236 | $40,690,000 | $172,000 | $1,300,000 | $118,000 | $725,000 |
| Hispanic | 25 | $3,540,000 | $141,000 | $258,000 | $83,000 | $239,000 |
| Black or African American | 16 | $2,926,000 | $182,000 | $355,000 | $86,000 | $152,000 |
| Not applicable | 13 | $7,044,000 | $541,000 | $3,531,000 | $0 | $0 |
| Asian | 11 | $1,917,000 | $174,000 | $417,000 | $125,000 | $361,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $364,000 | $182,000 | $206,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $80,000 | $80,000 |
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) | 1,439 | $230,166,000 | $159,000 | $3,531,000 | $103,000 | $725,000 |
| 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 | 878 | $133,394,000 | $151,000 | $635,000 | $109,000 | $725,000 |
| Application Denied By Financial Institution | 309 | $53,399,000 | $172,000 | $3,531,000 | $84,000 | $472,000 |
| File Closed For Incompleteness | 163 | $25,450,000 | $156,000 | $417,000 | $97,000 | $447,000 |
| Application Withdrawn By Applicant | 68 | $14,509,000 | $213,000 | $1,300,000 | $119,000 | $674,000 |
| Application Approved But Not Accepted | 21 | $3,414,000 | $162,000 | $1,300,000 | $75,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 126 | $20,516,000 | $162,000 | $730,000 | $63,000 | $224,000 |
| Collateral | 78 | $14,037,000 | $179,000 | $417,000 | $104,000 | $472,000 |
| Credit History | 69 | $12,970,000 | $187,000 | $3,531,000 | $97,000 | $463,000 |
| Employment History | 19 | $2,936,000 | $154,000 | $325,000 | $75,000 | $160,000 |
| Other | 13 | $2,284,000 | $175,000 | $353,000 | $113,000 | $407,000 |
| Unverifiable Information | 2 | $467,000 | $233,000 | $380,000 | $117,000 | $235,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 1 | $139,000 | $139,000 | $139,000 | $80,000 | $80,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Essa Bank & Trust's 2012 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.
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