# ESSA Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/essa-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ESSA Bank & Trust is a bank, headquartered in Stroudsburg, PA, serving borrowers across 2 states, with 343 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300W5E3L00UZ6F777
- **Headquarters:** Stroudsburg, PA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NJ, PA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 84%
- **Brokered/Wholesale:** 16%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.263%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-130
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 343
- **Dollar Volume:** $111 million
- **Applications Received:** 443
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $322,930
- **Average Borrower Income:** $158,431
- **Average Property Value:** $430,802

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 325 | +0.256% | $-182 | Sound ☺️ |
| Jumbo | 65/100 | 18 | +0.371% | $618 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 301 loans, Score: 58/100 (Sound)
- Refinance: 24 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 319 | $107M | +0.242% | Sound ☺️ |
| Refinance | 31/100 | 24 | $4M | +0.407% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 332 | 0.27% | 80/100 |
| NJ | 11 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 89 | 54/100 |
| Allentown | PA-NJ | 86 | 78/100 |
| Philadelphia, PA | PA | 86 | 74/100 |
| Scranton | PA | 58 | 73/100 |
| Montgomery County | PA | 11 | 43/100 |

## Where This Lender Ranks

ESSA Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Allentown Banks
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks)
- 🥉 **#3** in Pennsylvania Banks
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks)
- 🥉 **#3** in Allentown
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders)
- 🥉 **#3** in Scranton
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders)
- 🥉 **#3** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🏆 **#5** in Pennsylvania
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders)
- 🏆 **#5** in Philadelphia, PA Banks
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks)
- 🏆 **#6** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Philadelphia, PA
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders)
- 🏆 **#6** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Pennsylvania for Jumbo Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Allentown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Philadelphia, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Scranton for Conventional Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Allentown for Conventional Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Pennsylvania for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.263% above market average.

### What type of lender is ESSA Bank & Trust?

ESSA Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Stroudsburg, PA.

### What is ESSA Bank & Trust's loan approval success rate?

ESSA Bank & Trust has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/essa-bank-trust

### How to Cite

> "ESSA Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/essa-bank-trust

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