Essa Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Essa Bank & Trust of Stroudsburg, PA reported 1,116 mortgage applications totaling $170.8 million, up 38% from 2015. The average application was for $153,068, and applicants reported an average income of $111,379. 62% of its applications resulted in an originated loan and 18% were denied. Its largest markets were East Stroudsburg, PA (482), Allentown-Bethlehem-Easton, PA-NJ (300) and Scranton--Wilkes-Barre--Hazleton, PA (137) (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 | 1,116 |
| Total Mortgage Loan Application Amount | $170,824,000 |
| Average Mortgage Loan Application Amount | $153,068 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $111,379 |
| Highest Applicant Income | $3,036,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 482 | $ 65,209,000 | $ 135,288 | $ 118,000 |
| Northampton, Pennsylvania | 167 | $ 23,772,000 | $ 142,347 | $ 121,000 |
| Lehigh, Pennsylvania | 110 | $ 16,982,000 | $ 154,381 | $ 95,000 |
| Luzerne, Pennsylvania | 104 | $ 17,477,000 | $ 168,048 | $ 113,000 |
| Delaware, Pennsylvania | 74 | $ 14,671,000 | $ 198,256 | $ 88,000 |
| Pike, Pennsylvania | 36 | $ 3,393,000 | $ 94,250 | $ 86,000 |
| Lackawanna, Pennsylvania | 31 | $ 6,483,000 | $ 209,129 | $ 97,000 |
| Carbon, Pennsylvania | 22 | $ 2,384,000 | $ 108,363 | $ 108,000 |
| Chester, Pennsylvania | 19 | $ 6,715,000 | $ 353,421 | $ 162,000 |
| Montgomery, Pennsylvania | 16 | $ 5,735,000 | $ 358,437 | $ 136,000 |
| Wayne, Pennsylvania | 14 | $ 2,112,000 | $ 150,857 | $ 99,000 |
| Bucks, Pennsylvania | 10 | $ 1,822,000 | $ 182,200 | $ 113,000 |
| Philadelphia, Pennsylvania | 10 | $ 1,152,000 | $ 115,200 | $ 47,000 |
| Berks, Pennsylvania | 8 | $ 1,412,000 | $ 176,500 | $ 90,000 |
| Schuylkill, Pennsylvania | 4 | $ 321,000 | $ 80,250 | $ 51,000 |
| Wyoming, Pennsylvania | 2 | $ 515,000 | $ 257,500 | $ 83,000 |
| Warren, New Jersey | 1 | $ 49,000 | $ 49,000 | $ 10,000 |
| Clinton, Pennsylvania | 1 | $ 47,000 | $ 47,000 | $ 50,000 |
| Columbia, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 74,000 |
| Northumberland, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
| Susquehanna, Pennsylvania | 1 | $ 161,000 | $ 161,000 | $ 130,000 |
| York, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2016
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 | 480 | $72,858,000 | $151,000 | $1,250,000 | $109,000 | $3,036,000 |
| Home Purchase | 419 | $74,706,000 | $178,000 | $1,088,000 | $120,000 | $3,036,000 |
| Home Improvement | 217 | $23,260,000 | $107,000 | $1,400,000 | $100,000 | $663,000 |
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 | 818 | $117,577,000 | $143,000 | $885,000 | $112,000 | $1,107,000 |
| Not Provided | 167 | $24,809,000 | $148,000 | $448,000 | $148,000 | $3,036,000 |
| Not applicable | 62 | $17,976,000 | $289,000 | $1,400,000 | $0 | $0 |
| Hispanic | 30 | $4,391,000 | $146,000 | $1,088,000 | $102,000 | $651,000 |
| Asian | 22 | $4,256,000 | $193,000 | $1,093,000 | $140,000 | $598,000 |
| Black or African American | 15 | $1,632,000 | $108,000 | $270,000 | $79,000 | $300,000 |
| American Indian or Alaskan Native | 2 | $183,000 | $91,000 | $116,000 | $135,000 | $215,000 |
| Native Hawaiin 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) | 1,116 | $170,824,000 | $153,000 | $1,400,000 | $111,000 | $3,036,000 |
| 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 | 691 | $105,971,000 | $153,000 | $1,400,000 | $112,000 | $1,107,000 |
| Application Denied By Financial Institution | 201 | $27,042,000 | $134,000 | $1,088,000 | $92,000 | $3,036,000 |
| File Closed For Incompleteness | 135 | $25,405,000 | $188,000 | $1,093,000 | $127,000 | $725,000 |
| Application Withdrawn By Applicant | 67 | $8,988,000 | $134,000 | $560,000 | $87,000 | $300,000 |
| Application Approved But Not Accepted | 22 | $3,418,000 | $155,000 | $925,000 | $235,000 | $3,036,000 |
| 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 | 86 | $8,723,000 | $101,000 | $448,000 | $47,000 | $162,000 |
| Collateral | 46 | $7,450,000 | $161,000 | $550,000 | $189,000 | $3,036,000 |
| Credit History | 41 | $4,601,000 | $112,000 | $340,000 | $81,000 | $325,000 |
| Other | 13 | $2,766,000 | $212,000 | $1,088,000 | $118,000 | $651,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,228,000 | $278,000 | $1,040,000 | $34,000 | $170,000 |
| Employment History | 3 | $224,000 | $74,000 | $130,000 | $37,000 | $60,000 |
| Mortgage Insurance Denied | 2 | $434,000 | $217,000 | $357,000 | $99,000 | $146,000 |
| Unverifiable Information | 2 | $616,000 | $308,000 | $417,000 | $172,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Essa Bank & Trust's 2016 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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