ESB Financial
ESB Financial received 136 applications in 2025 and made 132 mortgages, in 22 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $145,000. Of 134 decisions, 2 were denials — 1.5%, most often for insufficient cash.
| Legal Entity Identifier | 54930011U6TQ5MJCDV15 |
|---|---|
| Applications received | 136 |
| Mortgages made | 132 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.342 points |
| FDIC-insured bank | Yes: ESB Financial, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 60 | 6.740% | $150,000 | 3.2% |
| Refinancing | 71 | 6.790% | $135,000 | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where ESB Financial lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lyon County, KS | 77 | 6.625% | 2.5% |
| Riley County, KS | 18 | 7.050% | 0.0% |
| Pottawatomie County, KS | 5 | Under 10 loans | 0.0% |
| Saline County, KS | 5 | Under 10 loans | 0.0% |
| Chase County, KS | 4 | Under 10 loans | 0.0% |
| Johnson County, KS | 4 | Under 10 loans | 0.0% |
| Coffey County, KS | 2 | Under 10 loans | 0.0% |
| Greenwood County, KS | 2 | Under 10 loans | 0.0% |
| Jackson County, MO | 2 | Under 10 loans | 0.0% |
| Chautauqua County, KS | 1 | Under 10 loans | 0.0% |
| Clay County, KS | 1 | Under 10 loans | 0.0% |
| Dickinson County, KS | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Ford County, KS | 1 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 1 | Under 10 loans | 0.0% |
| Marion County, KS | 1 | Under 10 loans | 0.0% |
| Miami County, KS | 1 | Under 10 loans | 0.0% |
| Montgomery County, KS | 1 | Under 10 loans | 0.0% |
| Morris County, KS | 1 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
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When ESB Financial’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.