Essa Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Essa Bank & Trust of Stroudsburg, PA reported 945 mortgage applications totaling $172.0 million, down 15% from 2016. The average application was for $182,017, and applicants reported an average income of $106,409. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were East Stroudsburg, PA (385), Allentown-Bethlehem-Easton, PA-NJ (278) and Scranton--Wilkes-Barre--Hazleton, PA (109) (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 | 945 |
| Total Mortgage Loan Application Amount | $172,007,000 |
| Average Mortgage Loan Application Amount | $182,017 |
| Highest Mortgage Loan Application Amount | $6,110,000 |
| Average Applicant Income | $106,409 |
| Highest Applicant Income | $3,004,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 385 | $ 53,362,000 | $ 138,602 | $ 103,000 |
| Northampton, Pennsylvania | 163 | $ 33,222,000 | $ 203,815 | $ 90,000 |
| Lehigh, Pennsylvania | 90 | $ 16,875,000 | $ 187,500 | $ 90,000 |
| Luzerne, Pennsylvania | 84 | $ 9,270,000 | $ 110,357 | $ 84,000 |
| Delaware, Pennsylvania | 55 | $ 11,443,000 | $ 208,054 | $ 145,000 |
| Chester, Pennsylvania | 25 | $ 11,970,000 | $ 478,800 | $ 138,000 |
| Pike, Pennsylvania | 25 | $ 2,468,000 | $ 98,720 | $ 124,000 |
| Carbon, Pennsylvania | 24 | $ 3,633,000 | $ 151,375 | $ 83,000 |
| Lackawanna, Pennsylvania | 23 | $ 3,273,000 | $ 142,304 | $ 95,000 |
| Montgomery, Pennsylvania | 19 | $ 4,651,000 | $ 244,789 | $ 209,000 |
| Philadelphia, Pennsylvania | 13 | $ 11,774,000 | $ 905,692 | $ 263,000 |
| Bucks, Pennsylvania | 11 | $ 4,229,000 | $ 384,454 | $ 158,000 |
| Wayne, Pennsylvania | 8 | $ 1,089,000 | $ 136,125 | $ 103,000 |
| Berks, Pennsylvania | 5 | $ 845,000 | $ 169,000 | $ 82,000 |
| Schuylkill, Pennsylvania | 3 | $ 546,000 | $ 182,000 | $ 93,000 |
| Lancaster, Pennsylvania | 2 | $ 741,000 | $ 370,500 | $ 137,000 |
| Wyoming, Pennsylvania | 2 | $ 402,000 | $ 201,000 | $ 80,000 |
| El Paso, Colorado | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Atlantic, New Jersey | 1 | $ 1,100,000 | $ 1,100,000 | $ 572,000 |
| Cape May, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Warren, New Jersey | 1 | $ 80,000 | $ 80,000 | $ 0 |
| New York, New York | 1 | $ 49,000 | $ 49,000 | $ 165,000 |
| Butler, Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 40,000 |
| Susquehanna, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 194,000 |
| York, Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2017
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 | 405 | $88,995,000 | $219,000 | $5,140,000 | $105,000 | $3,004,000 |
| Refinancing | 344 | $63,134,000 | $183,000 | $6,110,000 | $114,000 | $2,999,000 |
| Home Improvement | 196 | $19,878,000 | $101,000 | $1,606,000 | $96,000 | $292,000 |
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 | 673 | $108,653,000 | $161,000 | $1,570,000 | $113,000 | $3,004,000 |
| Not Provided | 164 | $20,927,000 | $127,000 | $616,000 | $111,000 | $503,000 |
| Not applicable | 52 | $34,124,000 | $656,000 | $6,110,000 | $0 | $0 |
| Hispanic | 24 | $3,215,000 | $133,000 | $280,000 | $111,000 | $696,000 |
| Asian | 17 | $2,651,000 | $155,000 | $306,000 | $135,000 | $433,000 |
| Black or African American | 14 | $2,423,000 | $173,000 | $364,000 | $85,000 | $172,000 |
| American Indian or Alaskan Native | 1 | $14,000 | $14,000 | $14,000 | $65,000 | $65,000 |
| 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) | 945 | $172,007,000 | $182,000 | $6,110,000 | $106,000 | $3,004,000 |
| 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 | 616 | $107,589,000 | $174,000 | $6,110,000 | $112,000 | $3,004,000 |
| Application Denied By Financial Institution | 144 | $24,093,000 | $167,000 | $3,675,000 | $76,000 | $480,000 |
| Application Withdrawn By Applicant | 111 | $21,321,000 | $192,000 | $1,207,000 | $111,000 | $669,000 |
| File Closed For Incompleteness | 42 | $6,771,000 | $161,000 | $694,000 | $114,000 | $1,000,000 |
| Application Approved But Not Accepted | 32 | $12,233,000 | $382,000 | $5,140,000 | $104,000 | $329,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 54 | $12,725,000 | $235,000 | $3,675,000 | $97,000 | $480,000 |
| Debt-To-Income Ratio | 52 | $6,298,000 | $121,000 | $400,000 | $48,000 | $250,000 |
| Collateral | 23 | $2,403,000 | $104,000 | $252,000 | $91,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,242,000 | $248,000 | $500,000 | $39,000 | $139,000 |
| Mortgage Insurance Denied | 3 | $301,000 | $100,000 | $159,000 | $158,000 | $250,000 |
| Other | 3 | $631,000 | $210,000 | $392,000 | $80,000 | $119,000 |
| Employment History | 3 | $129,000 | $43,000 | $59,000 | $22,000 | $41,000 |
| Unverifiable Information | 1 | $364,000 | $364,000 | $364,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Essa Bank & Trust's 2017 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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