Lender in Pennsylvania · HMDA 2025
The Ephrata National Bank mortgages in Pennsylvania
The Ephrata National Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
The Ephrata National Bank originated 278 owner-occupied single-family loans in Pennsylvania from 331 completed applications.
Its median conventional purchase loan costs were $5,530 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.375% (Pennsylvania: 6.625%).
Loans in PA
278
of 331 applications
Denial rate
9.4%
Purchase · PA 6.7%
Rate spread
+0.24 pts
Conv. · PA +0.17 pts
Loan amount
$285,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 308 | 260 | 9.4% | 6.375% | +0.24 pts | $5,530 | $285,000 |
| Refinance | 14 | 11 | — | — | — | — | — |
| Cash-out refinance | 9 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where The Ephrata National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lancaster County | 7 | 159 | 3.0% |
| Lebanon County | 10 | 43 | 2.6% |
| Union County | 25 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology