ESSA Bank & Trust mortgage approval rate & lending review
ESSA Bank & Trust decided 1,368 mortgage applications and funded 1,163 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ESSA Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ESSA Bank & Trust at a glance
Approval is 9.2 points above the 78.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where ESSA Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, PA | Mortgage lenders | 94% | 177 | 162 |
| Monroe County, PA | Home improvement loans | 80% | 151 | 119 |
| Lehigh County, PA | Mortgage lenders | 93% | 107 | 98 |
| Monroe County, PA | Cash-out refinance | 84% | 111 | 91 |
| Luzerne County, PA | Mortgage lenders | 99% | 83 | 81 |
| Delaware County, PA | Mortgage lenders | 90% | 72 | 65 |
| Northampton County, PA | Mortgage lenders | 93% | 67 | 60 |
| Northampton County, PA | Home improvement loans | 91% | 53 | 47 |
| Monroe County, PA | Investment property purchase | 93% | 54 | 45 |
| Northampton County, PA | Cash-out refinance | 84% | 32 | 26 |
| Lackawanna County, PA | Mortgage lenders | 95% | 22 | 21 |
| Lehigh County, PA | Home improvement loans | 73% | 26 | 19 |
The county markets where ESSA Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about ESSA Bank & Trust
What is ESSA Bank & Trust's mortgage approval rate?
ESSA Bank & Trust approved 88.0% of the 1,368 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 78.8% national rate for the same mix of loan types.
How often do borrowers take the loan ESSA Bank & Trust offers?
Borrowers accepted 97% of the loans ESSA Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does ESSA Bank & Trust make?
The typical home purchase mortgage loan ESSA Bank & Trust made was $285K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ESSA Bank & Trust lend?
ESSA Bank & Trust decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and New Jersey.
Can I apply to ESSA Bank & Trust directly?
Yes. ESSA Bank & Trust reports as a direct lender that takes applications from borrowers.
Does this page show ESSA Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how ESSA Bank & Trust treats applications, then get a rate quote from the lender.