Essa Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Essa Bank & Trust of Stroudsburg, PA reported 926 mortgage applications totaling $183.4 million, up 3% from 2018. The average application was for $198,002, and applicants reported an average income of $133,690. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were East Stroudsburg, PA (391), Allentown-Bethlehem-Easton, PA-NJ (279) and Scranton--Wilkes-Barre--Hazleton, PA (118) (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 | 926 |
| Total Mortgage Loan Application Amount | $183,350,000 |
| Average Mortgage Loan Application Amount | $198,002 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $133,690 |
| Highest Applicant Income | $5,500,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 391 | $ 59,895,000 | $ 153,184 | $ 116,000 |
| Northampton, Pennsylvania | 157 | $ 36,675,000 | $ 233,598 | $ 166,000 |
| Lehigh, Pennsylvania | 98 | $ 22,180,000 | $ 226,326 | $ 144,000 |
| Luzerne, Pennsylvania | 73 | $ 15,025,000 | $ 205,821 | $ 125,000 |
| Lackawanna, Pennsylvania | 39 | $ 9,135,000 | $ 234,230 | $ 142,000 |
| Pike, Pennsylvania | 37 | $ 4,365,000 | $ 117,972 | $ 80,000 |
| Delaware, Pennsylvania | 26 | $ 5,550,000 | $ 213,461 | $ 142,000 |
| Carbon, Pennsylvania | 24 | $ 4,280,000 | $ 178,333 | $ 92,000 |
| Philadelphia, Pennsylvania | 19 | $ 6,075,000 | $ 319,736 | $ 176,000 |
| Montgomery, Pennsylvania | 10 | $ 4,030,000 | $ 403,000 | $ 244,000 |
| Chester, Pennsylvania | 9 | $ 4,795,000 | $ 532,777 | $ 414,000 |
| Bucks, Pennsylvania | 8 | $ 2,800,000 | $ 350,000 | $ 168,000 |
| Schuylkill, Pennsylvania | 8 | $ 1,740,000 | $ 217,500 | $ 115,000 |
| Berks, Pennsylvania | 6 | $ 1,580,000 | $ 263,333 | $ 122,000 |
| Wyoming, Pennsylvania | 6 | $ 1,330,000 | $ 221,666 | $ 107,000 |
| Cape May, New Jersey | 5 | $ 2,375,000 | $ 475,000 | $ 250,000 |
| Wayne, Pennsylvania | 5 | $ 215,000 | $ 43,000 | $ 129,000 |
| Sussex, Delaware | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cecil, Maryland | 1 | $ 405,000 | $ 405,000 | $ 516,000 |
| Gloucester, New Jersey | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Salem, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 388,000 |
| Columbia, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2019
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 | 448 | $106,870,000 | $238,000 | $1,835,000 | $133,000 | $3,019,000 |
| Cash-out Refinancing | 239 | $35,475,000 | $148,000 | $855,000 | $141,000 | $5,500,000 |
| Refinancing | 140 | $34,850,000 | $248,000 | $3,505,000 | $157,000 | $1,000,000 |
| Home Improvement | 79 | $4,835,000 | $61,000 | $515,000 | $86,000 | $445,000 |
| Other Purpose | 20 | $1,320,000 | $66,000 | $185,000 | $87,000 | $242,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 664 | $117,720,000 | $177,000 | $955,000 | $125,000 | $3,019,000 |
| Not Provided | 142 | $28,600,000 | $201,000 | $1,835,000 | $176,000 | $5,500,000 |
| Not applicable | 68 | $26,330,000 | $387,000 | $3,505,000 | $0 | $0 |
| Asian | 19 | $5,245,000 | $276,000 | $1,005,000 | $163,000 | $643,000 |
| Hispanic | 15 | $1,885,000 | $125,000 | $315,000 | $125,000 | $244,000 |
| Black or African American | 10 | $1,820,000 | $182,000 | $355,000 | $124,000 | $274,000 |
| American Indian or Alaskan Native | 3 | $405,000 | $135,000 | $315,000 | $66,000 | $81,000 |
| 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) | 926 | $183,350,000 | $198,000 | $3,505,000 | $134,000 | $5,500,000 |
| 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 | 689 | $141,415,000 | $205,000 | $3,505,000 | $141,000 | $5,500,000 |
| File Closed For Incompleteness | 100 | $19,430,000 | $194,000 | $955,000 | $126,000 | $720,000 |
| Application Denied By Financial Institution | 85 | $10,395,000 | $122,000 | $565,000 | $79,000 | $455,000 |
| Application Approved But Not Accepted | 29 | $6,975,000 | $240,000 | $815,000 | $127,000 | $236,000 |
| Application Withdrawn By Applicant | 23 | $5,135,000 | $223,000 | $645,000 | $180,000 | $1,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 841 | $172,955,000 | $205,000 | $3,505,000 | $140,000 | $5,500,000 |
| Debt-To-Income Ratio | 44 | $5,070,000 | $115,000 | $535,000 | $54,000 | $182,000 |
| Credit History | 20 | $2,060,000 | $103,000 | $345,000 | $80,000 | $179,000 |
| Collateral | 15 | $2,665,000 | $177,000 | $565,000 | $151,000 | $455,000 |
| Employment History | 3 | $235,000 | $78,000 | $155,000 | $93,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $85,000 | $85,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $54,000 | $54,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $55,000 | $55,000 |
| 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 2019 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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