Lender profile · HMDA 2023–2025
ESSA Bank & Trust mortgage approval rates & lending data
ESSA Bank & Trust decided 1,368 mortgage applications and funded 1,163 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 649 / 695 | 97% | $285K | 632 |
| Home improvement loans | 80% | 224 / 280 | 98% | $55K | 219 |
| Cash-out refinance | 83% | 165 / 199 | 98% | $85K | 161 |
| Refinance | 73% | 27 / 37 | 93% | $145K | 25 |
| Investment property purchase | 91% | 108 / 119 | 91% | $265K | 98 |
ESSA Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $285K | 1,363 | 1,159 |
| New Jersey | 80% | $255K | 5 | 4 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.