ESSA Bank & Trust
ESSA Bank & Trust received 378 applications in 2025 and made 287 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 6.950% on a median loan of $175,000. Of 339 decisions, 44 were denials — 13.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300W5E3L00UZ6F777 |
|---|---|
| Applications received | 378 |
| Mortgages made | 287 |
| Denied | 44 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 159 | 6.600% | $255,000 | 8.3% |
| Refinancing | 10 | 7.025% | $260,000 | 0.0% |
| Cash-out refinancing | 30 | 7.500% | $100,000 | 11.8% |
| Other purposes | 88 | 7.500% | $55,000 | 22.1% |
Where ESSA Bank & Trust lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, PA | 112 | 7.250% | 15.0% |
| Lehigh County, PA | 45 | 6.600% | 11.3% |
| Northampton County, PA | 37 | 7.000% | 5.0% |
| Philadelphia County, PA | 27 | 6.250% | 17.7% |
| Luzerne County, PA | 21 | 7.000% | 4.2% |
| Delaware County, PA | 13 | 6.150% | 13.3% |
| Carbon County, PA | 8 | Under 10 loans | 0.0% |
| Pike County, PA | 7 | Under 10 loans | 22.2% |
| Lackawanna County, PA | 6 | Under 10 loans | 25.0% |
| Berks County, PA | 4 | Under 10 loans | 20.0% |
| Wayne County, PA | 3 | Under 10 loans | 25.0% |
| Chester County, PA | 2 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.