ESB Bank
ESB Bank received 82 applications in 2025 and made 81 mortgages, in 11 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 82 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 5493001HOFQNI04A3474 |
|---|---|
| Applications received | 82 |
| Mortgages made | 81 |
| Denied | 0 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: ESB Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 60 | Not published | $190,000 | 0.0% |
| Refinancing | 16 | Not published | $155,000 | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where ESB Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Houston County, MN | 41 | Not published | 0.0% |
| La Crosse County, WI | 10 | Not published | 0.0% |
| Winona County, MN | 9 | Under 10 loans | 0.0% |
| Allamakee County, IA | 7 | Under 10 loans | 0.0% |
| Fillmore County, MN | 6 | Under 10 loans | 0.0% |
| Winneshiek County, IA | 2 | Under 10 loans | 0.0% |
| Vernon County, WI | 2 | Under 10 loans | 0.0% |
| Howard County, IA | 1 | Under 10 loans | 0.0% |
| Dodge County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
Get told when this changes
When ESB Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.