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Claim this ProfileESSA 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
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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 | 325 | 94.8% | +0.256%Above | $182Credit | ||||
Jumbo Loans | — | 18 | 5.2% | +0.371%Above | $618Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume325
Mix94.8%
Spread
+0.256%Above
Fees
$182Credit
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
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 | 319 | 93.0% | +0.242%Above | $234Credit | ||||
Refinance | 24 | 7.0% | +0.407%Above | $573Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume319
Mix93.0%
Spread
+0.242%Above
Fees
$234Credit
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughSound
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
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
< 1010+None
Northeast2
NJPA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate 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.