ESSA Bank & Trust in Pennsylvania vs the state
11.6%Denial rate-6.65 pts vs state
13.0%Decision denial rate-9.23 pts vs state
75.9%Origination rate+14.97 pts vs state
6.95%Median rate+0.33 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$109kMedian applicant income
287Loans originated
44Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 769 | 569 | 12.5% | 7.00% | #95 |
| 2024 | 813 | 591 | 13.3% | 7.00% | #99 |
| 2025 | 378 | 287 | 11.6% | 6.95% | #200 |
What ESSA Bank & Trust lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most ESSA Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 147 | 112 | 20 | 13.6% |
| Lehigh County | 60 | 45 | 6 | 10.0% |
| Northampton County | 44 | 37 | 2 | 4.5% |
| Philadelphia County | 41 | 27 | 6 | 14.6% |
| Luzerne County | 28 | 21 | 1 | 3.6% |
| Delaware County | 18 | 13 | 2 | 11.1% |
| Pike County | 9 | 7 | 2 | 22.2% |
| Lackawanna County | 8 | 6 | 2 | 25.0% |
| Carbon County | 8 | 8 | 0 | 0.0% |
| Berks County | 5 | 4 | 1 | 20.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 378 applications in 2025, of which 287 were originated and 44 denied.
11.6% of all applications, or 13.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans ESSA Bank & Trust originated in Pennsylvania in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are ESSA Bank & Trust's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology