ESB Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd1.5% deniedPricingmedian rate spread over APOR, weight 30%
41st0.34 ptsProcesswithdrawn + incomplete share, weight 15%
91st1.5%Closing coststotal loan costs ÷ loan amount, weight 10%
76th1.25% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 119 | 112 | 1.7% | 1.8% | 6.76% | $22M |
| 2024 | 104 | 99 | 0.0% | 0.0% | 7.25% | $25M |
| 2025 | 136 | 132 | 1.5% | 1.5% | 6.75% | $25M |
What ESB Financial lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 53 investment properties.
Why ESB Financial denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ESB Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 31 | 3.1% |
| $100k – $150k | 35 | 34 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 20 | 0.0% |
| 35–44 | 35 | 34 | 0.0% |
Where ESB Financial lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 132 | 128 | 1.5% | 6.75% | #136 |
Frequently asked questions
ESB Financial denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
The most common reason ESB Financial gave in 2025 was "insufficient cash", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans ESB Financial originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 46% of its applications were for home purchases, 54% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.