Purchase Originations
131
Median Total Costs
$3,540
−47.0% vs national ($6,680)
↓ $31 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$650
Median Lender Credits
$5,050
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.500% | $3,540 | $650 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 131 | 6.500% | $3,540 | #137 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,184 | 6.150% | — | 10 | −$1,356 | |
| 2 | $2,318 | 6.200% | — | 26 | −$1,222 | |
| 3 | $2,509 | 6.500% | — | 31 | −$1,031 | |
| 4 | $3,588 | 6.500% | — | 1 | +$48 | |
| 5 | $5,198 | 6.750% | — | 32 | +$1,658 | |
| 6 | $5,446 | 6.850% | — | 10 | +$1,906 | |
| 7 | $5,546 | 7.100% | — | 1 | +$2,006 | |
| 8 | $5,770 | 6.700% | — | 1 | +$2,230 | |
| 9 | $5,820 | 7.200% | — | 1 | +$2,280 | |
| 10 | $6,172 | 6.950% | — | 1 | +$2,632 | |
| 11 | $6,298 | 6.950% | — | 1 | +$2,758 | |
| 12 | $6,303 | 6.700% | — | 13 | +$2,763 | |
| 13 | $7,393 | 6.600% | — | 3 | +$3,853 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | ESSA Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,540 | $7,127 | −$3,587 (−50.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.