What loan types does ESSA Bank & Trust offer?

ESSA Bank & Trust offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does ESSA Bank & Trust offer mortgages?

ESSA Bank & Trust offers mortgages in 2 states: NJ, PA.

How competitive are ESSA Bank & Trust's mortgage rates?

ESSA Bank & Trust has an overall pricing score of 81.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ESSA Bank & Trust?

ESSA Bank & Trust is a Bank headquartered in Stroudsburg, PA.

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ESSA Bank & Trust

Bank•Stroudsburg, PAHQ•Direct•Reviews near you on Google

ESSA Bank & Trust has 343 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

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

ESSA Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+26.3 bps above market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

325 loans · 0.26% above market

Sound

Top 60% of lenders

3/5

Jumbo

18 loans · 0.37% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

319 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

Refinance

24 loans · 0.41% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	325	94.8%	+0.256%Above	$182Credit
Jumbo Loans	Strong	Strong	—	Strong	18	5.2%	+0.371%Above	$618Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume325

Mix94.8%

Spread

+0.256%Above

Fees

$182Credit

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix5.2%

Spread

+0.371%Above

Fees

$618Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	319	93.0%	+0.242%Above	$234Credit
Refinance	Sound	Acceptable	Strong	Sound	24	7.0%	+0.407%Above	$573Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume319

Mix93.0%

Spread

+0.242%Above

Fees

$234Credit

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume24

Mix7.0%

Spread

+0.407%Above

Fees

$573Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

343

Applications

443

Volume

$110 million

Pricing & Closing

Avg Rate Spread

+0.263%

vs. market APOR

Avg Net Fees

$-130

Origination − Credits

Pullthrough Rate

77.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$322,930

Avg Borrower Income

$158,431

Avg Property Value

$430,802

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast2

NJPA

Top Metro Areas by Place Specialization Score

Allentown, PA-NJMetro

Volume 86Mix 25.07% of portfolio

78/100

Strong

Philadelphia, PAMetro

Volume 86Mix 25.07% of portfolio

74/100

Strong

Scranton, PAMetro

Volume 58Mix 16.91% of portfolio

73/100

Strong

Montgomery County, PAMetro

Volume 11Mix 3.21% of portfolio

43/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 332Mix 96.79% of portfolio

80/100

Exceptional

New JerseyState

Volume 11Mix 3.21% of portfolio

41/100

Sound

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.