What loan types does ESB Financial offer?

ESB Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does ESB Financial offer mortgages?

ESB Financial offers mortgages in 1 states: KS.

How competitive are ESB Financial's mortgage rates?

ESB Financial has an overall pricing score of 41.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ESB Financial?

ESB Financial is a Bank headquartered in Emporia, KS.

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ESB Financial

Bank•Emporia, KSHQ•Direct•Reviews near you on Google

ESB Financial has 48 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

ESB Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+40.9 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

48 loans · 0.41% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

33 loans · 0.31% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

15 loans · 0.66% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Strong	48	100.0%	+0.409%Above	$770Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Strong

Volume48

Mix100.0%

Spread

+0.409%Above

Fees

$770Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	33	68.8%	+0.309%Above	$826Fees
Refinance	Acceptable	Acceptable	—	—	15	31.3%	+0.658%Above	$632Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume33

Mix68.8%

Spread

+0.309%Above

Fees

$826Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume15

Mix31.3%

Spread

+0.658%Above

Fees

$632Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.409%

vs. market APOR

Avg Net Fees

$770

Origination − Credits

Pullthrough Rate

92.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$180,417

Avg Borrower Income

$117,208

Avg Property Value

$280,625

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Manhattan, KSMetro

Volume 12Mix 25.00% of portfolio

53/100

Sound

Top States by Place Specialization Score

KansasState

Volume 48Mix 100.00% of portfolio

69/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.