Essa Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Essa Bank & Trust of Stroudsburg, PA reported 1,150 mortgage applications totaling $177.9 million, down 20% from 2012. The average application was for $154,703, and applicants reported an average income of $108,114. 63% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (334), Scranton--Wilkes-Barre, PA (150) and Newark-Union, NJ-PA (71) (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 | 1,150 |
| Total Mortgage Loan Application Amount | $177,909,000 |
| Average Mortgage Loan Application Amount | $154,703 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $108,114 |
| Highest Applicant Income | $780,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 550 | $ 77,238,000 | $ 140,432 | $ 101,000 |
| Northampton, Pennsylvania | 176 | $ 31,207,000 | $ 177,312 | $ 109,000 |
| Lehigh, Pennsylvania | 133 | $ 23,740,000 | $ 178,496 | $ 113,000 |
| Luzerne, Pennsylvania | 123 | $ 18,695,000 | $ 151,991 | $ 105,000 |
| Pike, Pennsylvania | 71 | $ 10,111,000 | $ 142,408 | $ 136,000 |
| Wayne, Pennsylvania | 28 | $ 4,767,000 | $ 170,250 | $ 157,000 |
| Lackawanna, Pennsylvania | 27 | $ 5,035,000 | $ 186,481 | $ 116,000 |
| Carbon, Pennsylvania | 25 | $ 4,399,000 | $ 175,960 | $ 100,000 |
| Berks, Pennsylvania | 5 | $ 701,000 | $ 140,200 | $ 99,000 |
| Bucks, Pennsylvania | 4 | $ 792,000 | $ 198,000 | $ 97,000 |
| Montgomery, Pennsylvania | 2 | $ 399,000 | $ 199,500 | $ 448,000 |
| Schuylkill, Pennsylvania | 2 | $ 198,000 | $ 99,000 | $ 74,000 |
| Columbia, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Cumberland, Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 204,000 |
| Delaware, Pennsylvania | 1 | $ 321,000 | $ 321,000 | $ 222,000 |
| Lycoming, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 142,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2013
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 | 689 | $106,533,000 | $154,000 | $2,300,000 | $103,000 | $780,000 |
| Home Purchase | 346 | $59,246,000 | $171,000 | $650,000 | $120,000 | $766,000 |
| Home Improvement | 115 | $12,130,000 | $105,000 | $465,000 | $103,000 | $331,000 |
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 | 975 | $146,192,000 | $149,000 | $2,250,000 | $109,000 | $780,000 |
| Not Provided | 98 | $16,407,000 | $167,000 | $417,000 | $128,000 | $390,000 |
| Black or African American | 22 | $2,587,000 | $117,000 | $300,000 | $80,000 | $143,000 |
| Hispanic | 22 | $3,068,000 | $139,000 | $417,000 | $77,000 | $227,000 |
| Not applicable | 20 | $6,775,000 | $338,000 | $2,300,000 | $0 | $0 |
| Asian | 13 | $2,880,000 | $221,000 | $470,000 | $200,000 | $602,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,150 | $177,909,000 | $154,000 | $2,300,000 | $108,000 | $780,000 |
| 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 | 720 | $110,779,000 | $153,000 | $650,000 | $115,000 | $780,000 |
| Application Denied By Financial Institution | 246 | $33,752,000 | $137,000 | $735,000 | $78,000 | $748,000 |
| File Closed For Incompleteness | 127 | $20,636,000 | $162,000 | $560,000 | $125,000 | $700,000 |
| Application Withdrawn By Applicant | 45 | $6,720,000 | $149,000 | $617,000 | $116,000 | $410,000 |
| Application Approved But Not Accepted | 12 | $6,022,000 | $501,000 | $2,300,000 | $157,000 | $494,000 |
| 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 | 98 | $13,893,000 | $141,000 | $735,000 | $58,000 | $748,000 |
| Collateral | 60 | $9,293,000 | $154,000 | $417,000 | $108,000 | $486,000 |
| Credit History | 55 | $6,562,000 | $119,000 | $362,000 | $83,000 | $343,000 |
| Other | 20 | $2,006,000 | $100,000 | $250,000 | $86,000 | $204,000 |
| Employment History | 8 | $865,000 | $108,000 | $250,000 | $46,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,017,000 | $339,000 | $417,000 | $72,000 | $218,000 |
| Unverifiable Information | 2 | $116,000 | $58,000 | $60,000 | $124,000 | $210,000 |
| Credit Application Incomplete | 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 2013 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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with aggregated HMDA statistics today.
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