Essa Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Essa Bank & Trust of Stroudsburg, PA reported 896 mortgage applications totaling $163.8 million, down 5% from 2017. The average application was for $182,801, and applicants reported an average income of $124,792. 68% of its applications resulted in an originated loan and 12% were denied. Its largest markets were East Stroudsburg, PA (360), Allentown-Bethlehem-Easton, PA-NJ (292) and Scranton--Wilkes-Barre--Hazleton, PA (91) (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 | 896 |
| Total Mortgage Loan Application Amount | $163,790,000 |
| Average Mortgage Loan Application Amount | $182,801 |
| Highest Mortgage Loan Application Amount | $3,855,000 |
| Average Applicant Income | $124,792 |
| Highest Applicant Income | $2,893,000 |
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Act (HMDA) records Essa Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 373 | $84,065,000 | $225,000 | $3,855,000 | $127,000 | $1,036,000 |
| Cash-out Refinancing | 326 | $36,010,000 | $110,000 | $1,245,000 | $99,000 | $543,000 |
| Refinancing | 125 | $38,585,000 | $308,000 | $2,655,000 | $203,000 | $2,893,000 |
| Home Improvement | 58 | $4,580,000 | $78,000 | $655,000 | $93,000 | $439,000 |
| Other Purpose | 14 | $550,000 | $39,000 | $125,000 | $100,000 | $207,000 |
| 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 | 641 | $102,685,000 | $160,000 | $2,655,000 | $117,000 | $2,893,000 |
| Not Provided | 148 | $27,740,000 | $187,000 | $1,525,000 | $153,000 | $2,893,000 |
| Not applicable | 57 | $26,925,000 | $472,000 | $3,855,000 | $105,000 | $105,000 |
| Black or African American | 20 | $2,160,000 | $108,000 | $335,000 | $88,000 | $207,000 |
| Hispanic | 16 | $1,930,000 | $120,000 | $495,000 | $124,000 | $845,000 |
| Asian | 13 | $2,255,000 | $173,000 | $405,000 | $105,000 | $345,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 896 | $163,790,000 | $182,000 | $3,855,000 | $123,000 | $2,893,000 |
| 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 | 608 | $113,940,000 | $187,000 | $3,855,000 | $123,000 | $1,087,000 |
| File Closed For Incompleteness | 116 | $20,580,000 | $177,000 | $1,475,000 | $147,000 | $2,893,000 |
| Application Denied By Financial Institution | 109 | $14,955,000 | $137,000 | $685,000 | $82,000 | $439,000 |
| Application Approved But Not Accepted | 35 | $7,285,000 | $208,000 | $1,245,000 | $95,000 | $260,000 |
| Application Withdrawn By Applicant | 28 | $7,030,000 | $251,000 | $1,525,000 | $222,000 | $2,893,000 |
| 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 | 787 | $148,835,000 | $189,000 | $3,855,000 | $129,000 | $2,893,000 |
| Credit History | 36 | $4,300,000 | $119,000 | $455,000 | $92,000 | $311,000 |
| Debt-To-Income Ratio | 31 | $3,765,000 | $121,000 | $525,000 | $48,000 | $181,000 |
| Collateral | 29 | $4,765,000 | $164,000 | $685,000 | $114,000 | $439,000 |
| Other | 8 | $1,130,000 | $141,000 | $345,000 | $74,000 | $120,000 |
| Employment History | 4 | $630,000 | $157,000 | $395,000 | $53,000 | $127,000 |
| Unverifiable Information | 1 | $365,000 | $365,000 | $365,000 | $112,000 | $112,000 |
| 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 2018 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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