Essa Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Essa Bank & Trust of Stroudsburg, PA reported 651 mortgage applications totaling $86.6 million, down 43% from 2013. The average application was for $133,013, and applicants reported an average income of $106,858. 58% of its applications resulted in an originated loan and 27% were denied. Its largest markets were East Stroudsburg, PA (360), Allentown-Bethlehem-Easton, PA-NJ (165) and Scranton--Wilkes-Barre--Hazleton, PA (76) (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 | 651 |
| Total Mortgage Loan Application Amount | $86,592,000 |
| Average Mortgage Loan Application Amount | $133,013 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $106,858 |
| Highest Applicant Income | $4,152,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Essa Bank & Trust in 2014
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 | 319 | $40,526,000 | $127,000 | $650,000 | $88,000 | $617,000 |
| Home Purchase | 233 | $37,862,000 | $162,000 | $1,350,000 | $105,000 | $665,000 |
| Home Improvement | 99 | $8,204,000 | $82,000 | $1,190,000 | $172,000 | $4,152,000 |
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 | 490 | $61,320,000 | $125,000 | $1,176,000 | $106,000 | $4,152,000 |
| Not Provided | 86 | $12,908,000 | $150,000 | $415,000 | $146,000 | $3,079,000 |
| Not applicable | 32 | $7,543,000 | $235,000 | $1,350,000 | $0 | $0 |
| Asian | 20 | $2,252,000 | $112,000 | $200,000 | $167,000 | $617,000 |
| Hispanic | 13 | $1,716,000 | $132,000 | $293,000 | $102,000 | $445,000 |
| Black or African American | 10 | $853,000 | $85,000 | $171,000 | $66,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 651 | $86,592,000 | $133,000 | $1,350,000 | $107,000 | $4,152,000 |
| 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 | 375 | $47,984,000 | $127,000 | $1,190,000 | $123,000 | $4,152,000 |
| Application Denied By Financial Institution | 174 | $23,089,000 | $132,000 | $1,176,000 | $77,000 | $445,000 |
| File Closed For Incompleteness | 48 | $6,947,000 | $144,000 | $525,000 | $100,000 | $325,000 |
| Application Withdrawn By Applicant | 40 | $6,374,000 | $159,000 | $1,350,000 | $105,000 | $665,000 |
| Application Approved But Not Accepted | 14 | $2,198,000 | $157,000 | $450,000 | $79,000 | $203,000 |
| 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 | 77 | $10,568,000 | $137,000 | $1,176,000 | $57,000 | $189,000 |
| Credit History | 51 | $6,479,000 | $127,000 | $350,000 | $91,000 | $445,000 |
| Collateral | 23 | $2,657,000 | $115,000 | $320,000 | $110,000 | $319,000 |
| Other | 11 | $2,249,000 | $204,000 | $650,000 | $86,000 | $216,000 |
| Employment History | 8 | $585,000 | $73,000 | $146,000 | $61,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $452,000 | $150,000 | $238,000 | $73,000 | $106,000 |
| Unverifiable Information | 1 | $99,000 | $99,000 | $99,000 | $81,000 | $81,000 |
| 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 2014 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.
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