Applications / Mortgage Analytics / Lenders / Pennsylvania / ESSA Bank & Trust
Stroudsburg, PA · Savings institution · FDIC · $2.2 billion assets · 287 loans in 2025
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287
loans originated, 2025
378
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ESSA Bank & Trust, a Pennsylvania savings bank, made about half as many loans in 2025 as in 2024, while similar lenders grew.
Its originations fell 52%, from 602 to 287, while similar lenders (savings institutions making between half and twice as many loans) grew 7% and the market 10%. No peer fell further. Its lending fell to $77.9 million from $147.4 million. The figures do not show why.
In Scranton--Wilkes-Barre its share fell to 0.4% from 1.4%. In Allentown-Bethlehem-Easton it fell to 0.6% from 0.8%, ranking 40 of 521. Both falls may simply reflect its lower volume. Rocket Mortgage led Scranton--Wilkes-Barre, with Peoples Security Bank and Trust Company second.
Majority-minority areas took 28.6% of its loans, against 4.6% at peers, more than at about nine in ten. Low- and moderate-income (LMI) neighborhoods took 24.2%, against 15.2%, more than at about four in five. In 2020 these shares were 3.4% and 13.1%.
Home purchases were 55.4% of its loans, home improvement 18.1% and refinances 13.9%, all conventional. Its typical loan, $175,000, was smaller than at about three in four peers, where it was $232,500. Its share of higher-priced loans (a rate well above the average for similar loans), 0.4%, matched theirs.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ESSA Bank & Trust took 378 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.4% · Home improvement 18.1% · Refinance 13.9% · Other 12.5%
Conventional 100.0% · of 287 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 287 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 90 |
| Philadelphia | 40 |
| Scranton--Wilkes-Barre | 27 |
| Montgomery County-Bucks County-Chester County | 4 |
| Reading | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W5E3L00UZ6F777 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 952677 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41254 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 328262 | 2011–2017 |
Established 1 January 1916. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ESSA Bank & Trust's data.
ESSA Bank & Trust's data
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ESSA Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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