ESSA Bank & Trust closing costs and rates (2024)
In 2024, ESSA Bank & Trust originated 281 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $3,571. That is $3,170 below the national median of $6,741. ESSA Bank & Trust is most active in Pennsylvania with 280 originations there.
Purchase Originations
281
Median Total Costs
$3,571
−47.0% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$650
Median Lender Credits
$9,688
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 281 | 6.500% | $3,571 | $650 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 280 | 6.500% | $3,553 | #77 |
| New Jersey | 1 | 6.000% | $3,902 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,380 | 6.250% | — | 53 | −$1,191 | |
| 2 | $2,427 | 6.150% | — | 31 | −$1,144 | |
| 3 | $2,464 | 6.600% | — | 50 | −$1,107 | |
| 4 | $3,678 | 6.150% | — | 1 | +$107 | |
| 5 | $3,902 | 6.000% | — | 1 | +$331 | |
| 6 | $4,205 | 6.575% | — | 18 | +$634 | |
| 7 | $4,413 | 6.650% | — | 51 | +$842 | |
| 8 | $5,397 | 7.050% | — | 2 | +$1,826 | |
| 9 | $5,739 | 6.900% | — | 7 | +$2,168 | |
| 10 | $5,792 | 7.100% | — | 5 | +$2,221 | |
| 11 | $5,870 | 6.800% | — | 37 | +$2,299 | |
| 12 | $6,130 | 6.950% | — | 1 | +$2,559 | |
| 13 | $6,149 | 6.750% | — | 3 | +$2,578 | |
| 14 | $6,402 | 6.900% | — | 1 | +$2,831 | |
| 15 | $6,422 | 6.650% | — | 12 | +$2,851 | |
| 16 | $7,037 | 6.750% | — | 3 | +$3,466 | |
| 17 | $8,721 | 6.600% | — | 3 | +$5,150 | |
| 18 | $17,470 | 6.975% | — | 2 | +$13,899 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.