ESB BANK
CALEDONIA, MN
ESB BANK processed 70 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 62 loans with a 0.0% denial rate. Home Purchase was the primary loan purpose. Based in CALEDONIA, MN. The approval rate of 88.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. ESB BANK processed 70 HMDA-reported mortgage applications in 2024, originating 62 loans and denying 0 for a denial rate of 0.0%. The average loan amount was $193,429. The lender reports under LEI 5493001HOFQNI04A3474 from CALEDONIA, MN.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ESB BANK's 88.6% origination rate tells you how often an application turned into funded money; the 0.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (70 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 70 | 62 | 0 | $193,429 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ESB BANK (LEI: 5493001HOFQNI04A3474) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 46 | 39 | $178,043 |
| Refinancing | 21 | 20 | $229,286 |
| Cash-out Refinancing | 1 | 1 | $365,000 |
| Home Improvement | 1 | 1 | $105,000 |
| Other | 1 | 1 | $65,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 62 | 87.1% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 62 | 87.1% | 0.0% |
Nearby Lenders in MN
Other HMDA-reporting lenders in MN with similar activity. Compare any two side-by-side.
Luminate Home Loans, Inc.
Minneapolis, MN
TRUSTONE FINANCIAL CREDIT UNION
PLYMOUTH, MN
WINGS FINANCIAL CREDIT UNION
APPLE VALLEY, MN
Affinity Plus Federal Credit Union
Saint Paul, MN
BLAZE CREDIT UNION
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Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.