Essa Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Essa Bank & Trust of Stroudsburg, PA reported 1,242 mortgage applications totaling $417.2 million, down 15% from 2020. The average application was for $335,925, and applicants reported an average income of $154,942. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were East Stroudsburg, PA (455), Allentown-Bethlehem-Easton, PA-NJ (412) and Scranton--Wilkes-Barre--Hazleton, PA (154) (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 | 1,242 |
| Total Mortgage Loan Application Amount | $417,220,000 |
| Average Mortgage Loan Application Amount | $335,925 |
| Highest Mortgage Loan Application Amount | $31,805,000 |
| Average Applicant Income | $154,942 |
| Highest Applicant Income | $6,965,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 455 | $ 100,585,000 | $ 221,065 | $ 130,000 |
| Northampton, Pennsylvania | 209 | $ 87,885,000 | $ 420,502 | $ 111,000 |
| Lehigh, Pennsylvania | 138 | $ 36,530,000 | $ 264,710 | $ 134,000 |
| Luzerne, Pennsylvania | 114 | $ 28,280,000 | $ 248,070 | $ 140,000 |
| Carbon, Pennsylvania | 61 | $ 15,795,000 | $ 258,934 | $ 217,000 |
| Lackawanna, Pennsylvania | 38 | $ 10,410,000 | $ 273,947 | $ 146,000 |
| Pike, Pennsylvania | 37 | $ 6,315,000 | $ 170,675 | $ 158,000 |
| Delaware, Pennsylvania | 36 | $ 13,860,000 | $ 385,000 | $ 272,000 |
| Chester, Pennsylvania | 30 | $ 24,400,000 | $ 813,333 | $ 343,000 |
| Philadelphia, Pennsylvania | 29 | $ 36,125,000 | $ 1,245,689 | $ 258,000 |
| Montgomery, Pennsylvania | 26 | $ 19,920,000 | $ 766,153 | $ 264,000 |
| Wayne, Pennsylvania | 13 | $ 2,545,000 | $ 195,769 | $ 141,000 |
| Bucks, Pennsylvania | 12 | $ 6,020,000 | $ 501,666 | $ 214,000 |
| Schuylkill, Pennsylvania | 10 | $ 1,680,000 | $ 168,000 | $ 125,000 |
| Berks, Pennsylvania | 6 | $ 1,810,000 | $ 301,666 | $ 133,000 |
| Atlantic, New Jersey | 4 | $ 6,010,000 | $ 1,502,500 | $ 177,000 |
| Cape May, New Jersey | 4 | $ 3,680,000 | $ 920,000 | $ 405,000 |
| Warren, New Jersey | 4 | $ 870,000 | $ 217,500 | $ 222,000 |
| Columbia, Pennsylvania | 4 | $ 3,250,000 | $ 812,500 | $ 194,000 |
| Cecil, Maryland | 2 | $ 1,030,000 | $ 515,000 | $ 246,000 |
| Burlington, New Jersey | 2 | $ 780,000 | $ 390,000 | $ 410,000 |
| Wyoming, Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 77,000 |
| Collier, Florida | 1 | $ 6,005,000 | $ 6,005,000 | $ 6,965,000 |
| Monmouth, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Morris, New Jersey | 1 | $ 525,000 | $ 525,000 | $ 390,000 |
| Cumberland, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Warren, Pennsylvania | 1 | $ 1,925,000 | $ 1,925,000 | $ 0 |
| York, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2021
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 | 514 | $199,030,000 | $387,000 | $6,005,000 | $197,000 | $6,965,000 |
| Cash-out Refinancing | 317 | $79,775,000 | $251,000 | $6,005,000 | $131,000 | $772,000 |
| Refinancing | 314 | $78,470,000 | $249,000 | $4,665,000 | $129,000 | $1,329,000 |
| Home Improvement | 55 | $55,235,000 | $1,004,000 | $31,805,000 | $93,000 | $300,000 |
| Other Purpose | 42 | $4,710,000 | $112,000 | $905,000 | $96,000 | $358,000 |
| 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 | 824 | $217,060,000 | $263,000 | $6,005,000 | $150,000 | $6,965,000 |
| Not Provided | 278 | $75,870,000 | $272,000 | $2,895,000 | $172,000 | $1,848,000 |
| Not applicable | 50 | $101,510,000 | $2,030,000 | $31,805,000 | $0 | $0 |
| Hispanic | 37 | $9,785,000 | $264,000 | $995,000 | $152,000 | $446,000 |
| Asian | 19 | $5,685,000 | $299,000 | $1,085,000 | $216,000 | $636,000 |
| Black or African American | 19 | $4,485,000 | $236,000 | $425,000 | $100,000 | $262,000 |
| American Indian or Alaskan Native | 3 | $765,000 | $255,000 | $495,000 | $53,000 | $68,000 |
| 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) | 1,242 | $417,220,000 | $335,000 | $31,805,000 | $155,000 | $6,965,000 |
| 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 | 941 | $326,655,000 | $347,000 | $31,805,000 | $161,000 | $6,965,000 |
| Application Withdrawn By Applicant | 99 | $36,115,000 | $364,000 | $4,205,000 | $151,000 | $685,000 |
| Application Denied By Financial Institution | 93 | $25,235,000 | $271,000 | $2,895,000 | $89,000 | $680,000 |
| File Closed For Incompleteness | 75 | $15,755,000 | $210,000 | $1,195,000 | $140,000 | $706,000 |
| Application Approved But Not Accepted | 34 | $13,460,000 | $395,000 | $1,265,000 | $220,000 | $1,848,000 |
| 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 | 1,149 | $391,985,000 | $341,000 | $31,805,000 | $161,000 | $6,965,000 |
| Debt-To-Income Ratio | 52 | $13,220,000 | $254,000 | $1,005,000 | $60,000 | $250,000 |
| Credit History | 23 | $4,605,000 | $200,000 | $455,000 | $109,000 | $546,000 |
| Collateral | 11 | $3,225,000 | $293,000 | $1,175,000 | $142,000 | $373,000 |
| Employment History | 4 | $950,000 | $237,000 | $455,000 | $45,000 | $77,000 |
| Other | 3 | $3,235,000 | $1,078,000 | $2,895,000 | $288,000 | $680,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2021 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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