Essa Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Essa Bank & Trust of Stroudsburg, PA reported 811 mortgage applications totaling $119.3 million, up 25% from 2014. The average application was for $147,102, and applicants reported an average income of $97,452. 57% of its applications resulted in an originated loan and 26% were denied. Its largest markets were East Stroudsburg, PA (376), Allentown-Bethlehem-Easton, PA-NJ (230) and Scranton--Wilkes-Barre--Hazleton, PA (128) (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 | 811 |
| Total Mortgage Loan Application Amount | $119,300,000 |
| Average Mortgage Loan Application Amount | $147,102 |
| Highest Mortgage Loan Application Amount | $2,041,000 |
| Average Applicant Income | $97,452 |
| Highest Applicant Income | $1,026,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 376 | $ 47,973,000 | $ 127,587 | $ 97,000 |
| Northampton, Pennsylvania | 127 | $ 18,299,000 | $ 144,086 | $ 84,000 |
| Luzerne, Pennsylvania | 97 | $ 13,622,000 | $ 140,432 | $ 88,000 |
| Lehigh, Pennsylvania | 89 | $ 15,104,000 | $ 169,707 | $ 88,000 |
| Pike, Pennsylvania | 45 | $ 5,501,000 | $ 122,244 | $ 102,000 |
| Lackawanna, Pennsylvania | 30 | $ 5,577,000 | $ 185,900 | $ 96,000 |
| Wayne, Pennsylvania | 19 | $ 4,722,000 | $ 248,526 | $ 114,000 |
| Carbon, Pennsylvania | 14 | $ 1,927,000 | $ 137,642 | $ 125,000 |
| Bucks, Pennsylvania | 3 | $ 2,979,000 | $ 993,000 | $ 706,000 |
| Columbia, Pennsylvania | 3 | $ 255,000 | $ 85,000 | $ 115,000 |
| Berks, Pennsylvania | 2 | $ 316,000 | $ 158,000 | $ 87,000 |
| Chester, Pennsylvania | 2 | $ 2,458,000 | $ 1,229,000 | $ 518,000 |
| Schuylkill, Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 95,000 |
| Susquehanna, Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 102,000 |
| Wyoming, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2015
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 | 323 | $52,575,000 | $162,000 | $1,460,000 | $102,000 | $1,026,000 |
| Refinancing | 298 | $49,219,000 | $165,000 | $2,041,000 | $96,000 | $1,000,000 |
| Home Improvement | 190 | $17,506,000 | $92,000 | $600,000 | $92,000 | $410,000 |
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 | 614 | $85,294,000 | $138,000 | $1,352,000 | $101,000 | $1,026,000 |
| Not Provided | 101 | $16,652,000 | $164,000 | $2,041,000 | $118,000 | $783,000 |
| Not applicable | 46 | $10,624,000 | $230,000 | $1,460,000 | $0 | $0 |
| Asian | 21 | $3,459,000 | $164,000 | $417,000 | $130,000 | $433,000 |
| Hispanic | 20 | $2,575,000 | $128,000 | $627,000 | $76,000 | $327,000 |
| Black or African American | 9 | $696,000 | $77,000 | $154,000 | $81,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 811 | $119,300,000 | $147,000 | $2,041,000 | $97,000 | $1,026,000 |
| 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 | 465 | $64,756,000 | $139,000 | $975,000 | $102,000 | $1,026,000 |
| Application Denied By Financial Institution | 212 | $26,885,000 | $126,000 | $664,000 | $76,000 | $410,000 |
| File Closed For Incompleteness | 69 | $15,403,000 | $223,000 | $2,041,000 | $153,000 | $1,000,000 |
| Application Withdrawn By Applicant | 53 | $8,593,000 | $162,000 | $680,000 | $80,000 | $248,000 |
| Application Approved But Not Accepted | 12 | $3,663,000 | $305,000 | $1,460,000 | $60,000 | $327,000 |
| 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 | 97 | $13,034,000 | $134,000 | $664,000 | $61,000 | $280,000 |
| Credit History | 67 | $8,254,000 | $123,000 | $417,000 | $84,000 | $254,000 |
| Collateral | 30 | $4,452,000 | $148,000 | $417,000 | $109,000 | $410,000 |
| Employment History | 7 | $347,000 | $49,000 | $112,000 | $62,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $200,000 | $50,000 | $87,000 | $48,000 | $71,000 |
| Other | 4 | $307,000 | $76,000 | $175,000 | $141,000 | $398,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $80,000 | $80,000 |
| Credit Application Incomplete | 1 | $120,000 | $120,000 | $120,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 1 | $131,000 | $131,000 | $131,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Essa Bank & Trust's 2015 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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