Essa Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Essa Bank & Trust of Stroudsburg, PA reported 826 mortgage applications totaling $193.8 million, up 7% from 2023. The average application was for $234,624, and applicants reported an average income of $146,050. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (210), Philadelphia, PA (147) and Scranton--Wilkes-Barre--Hazleton, PA (102) (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 | 826 |
| Total Mortgage Loan Application Amount | $193,800,000 |
| Average Mortgage Loan Application Amount | $234,624 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $146,050 |
| Highest Applicant Income | $2,813,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 288 | $ 46,330,000 | $ 160,868 | $ 133,000 |
| Lehigh, Pennsylvania | 98 | $ 19,480,000 | $ 198,775 | $ 101,000 |
| Northampton, Pennsylvania | 94 | $ 16,270,000 | $ 173,085 | $ 145,000 |
| Philadelphia, Pennsylvania | 79 | $ 24,305,000 | $ 307,658 | $ 73,000 |
| Luzerne, Pennsylvania | 72 | $ 22,640,000 | $ 314,444 | $ 188,000 |
| Delaware, Pennsylvania | 68 | $ 18,270,000 | $ 268,676 | $ 172,000 |
| Lackawanna, Pennsylvania | 24 | $ 7,040,000 | $ 293,333 | $ 201,000 |
| Carbon, Pennsylvania | 18 | $ 6,050,000 | $ 336,111 | $ 164,000 |
| Pike, Pennsylvania | 17 | $ 3,925,000 | $ 230,882 | $ 155,000 |
| Montgomery, Pennsylvania | 14 | $ 4,580,000 | $ 327,142 | $ 307,000 |
| Chester, Pennsylvania | 10 | $ 6,260,000 | $ 626,000 | $ 334,000 |
| Wayne, Pennsylvania | 10 | $ 2,940,000 | $ 294,000 | $ 183,000 |
| Cape May, New Jersey | 9 | $ 6,605,000 | $ 733,888 | $ 335,000 |
| Wyoming, Pennsylvania | 6 | $ 1,200,000 | $ 200,000 | $ 112,000 |
| Bucks, Pennsylvania | 5 | $ 2,635,000 | $ 527,000 | $ 424,000 |
| Schuylkill, Pennsylvania | 4 | $ 1,520,000 | $ 380,000 | $ 116,000 |
| Berks, Pennsylvania | 3 | $ 275,000 | $ 91,666 | $ 117,000 |
| Atlantic, New Jersey | 2 | $ 490,000 | $ 245,000 | $ 159,000 |
| Camden, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Ocean, New Jersey | 1 | $ 1,795,000 | $ 1,795,000 | $ 728,000 |
| Centre, Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 151,000 |
| Northumberland, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Susquehanna, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2024
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 | 454 | $148,470,000 | $327,000 | $2,625,000 | $156,000 | $1,310,000 |
| Home Improvement | 141 | $12,875,000 | $91,000 | $405,000 | $154,000 | $2,813,000 |
| Other Purpose | 124 | $11,980,000 | $96,000 | $755,000 | $125,000 | $1,035,000 |
| Cash-out Refinancing | 86 | $10,420,000 | $121,000 | $375,000 | $126,000 | $1,046,000 |
| Refinancing | 21 | $10,055,000 | $478,000 | $4,005,000 | $84,000 | $219,000 |
| 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 | 513 | $113,235,000 | $220,000 | $2,045,000 | $162,000 | $2,813,000 |
| Black or African American | 119 | $24,865,000 | $208,000 | $1,005,000 | $98,000 | $1,310,000 |
| Hispanic | 95 | $22,815,000 | $240,000 | $1,365,000 | $118,000 | $755,000 |
| Not Provided | 50 | $10,090,000 | $201,000 | $635,000 | $144,000 | $1,046,000 |
| Asian | 31 | $9,905,000 | $319,000 | $1,485,000 | $169,000 | $562,000 |
| Not applicable | 16 | $12,080,000 | $755,000 | $4,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $365,000 | $365,000 | $365,000 | $135,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $445,000 | $445,000 | $445,000 | $104,000 | $104,000 |
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) | 826 | $193,800,000 | $234,000 | $4,005,000 | $147,000 | $2,813,000 |
| 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 | 602 | $147,370,000 | $244,000 | $4,005,000 | $151,000 | $1,310,000 |
| Application Denied By Financial Institution | 109 | $17,245,000 | $158,000 | $1,035,000 | $120,000 | $2,813,000 |
| Application Withdrawn By Applicant | 80 | $20,060,000 | $250,000 | $1,365,000 | $142,000 | $632,000 |
| Application Approved But Not Accepted | 18 | $4,540,000 | $252,000 | $1,225,000 | $155,000 | $538,000 |
| File Closed For Incompleteness | 17 | $4,585,000 | $269,000 | $1,485,000 | $176,000 | $562,000 |
| 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 | 717 | $176,555,000 | $246,000 | $4,005,000 | $151,000 | $1,310,000 |
| Debt-To-Income Ratio | 67 | $10,615,000 | $158,000 | $1,035,000 | $76,000 | $442,000 |
| Credit History | 21 | $2,445,000 | $116,000 | $455,000 | $218,000 | $2,813,000 |
| Collateral | 11 | $1,675,000 | $152,000 | $355,000 | $183,000 | $483,000 |
| Employment History | 5 | $975,000 | $195,000 | $265,000 | $93,000 | $195,000 |
| Unverifiable Information | 3 | $1,035,000 | $345,000 | $505,000 | $252,000 | $412,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $315,000 | $315,000 | $315,000 | $121,000 | $121,000 |
| Other | 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 2024 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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