Lenders › The Ephrata National Bank › Pennsylvania
The Ephrata National Bank in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Pennsylvania, The Ephrata National Bank reported 1,318 applications and 895 originations for 2024, $214m in all.
Its denial rate in the state was 21.0%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 20.8%.
The median rate spread on its Pennsylvania originations was -0.0 percentage points (state median 0.3).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | The Ephrata National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.0% | 24.2% | 20.8% | 24.3% |
| Median rate spread, pp | -0.0 | 0.3 | -0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.0% | 14.1% | 2.9% | 15.6% |
| Average originated loan | $240k | $226k | $242k | $329k |
| Home purchase share | 51.8% | 48.7% | 52.3% | 57.0% |
| FHA-insured share | 0.8% | 9.8% | 0.8% | 13.4% |
| VA-guaranteed share | 0.2% | 4.0% | 0.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 52% (464)Home improvement 21% (192)Refinancing 12% (103)Cash-out refinancing 2% (18)Other purpose 13% (118)
By type
Conventional 99% (886)FHA 1% (7)VA 0% (2)
Denial reasons as coded
Share of 255 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lancaster County | 759 | 497 | $100m | 24.8% |
| Lebanon County | 149 | 115 | $27m | 12.1% |
| Berks County | 107 | 71 | $18m | 25.5% |
| York County | 49 | 36 | $10m | 10.9% |
| Dauphin County | 46 | 34 | $11m | 9.8% |
| Chester County | 53 | 28 | $8.6m | 30.4% |
| Cumberland County | 30 | 23 | $11m | 11.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Ephrata National Bank originate in Pennsylvania in 2024?
895 loans totalling $214m, from 1,318 applications reported for properties in Pennsylvania.
What is The Ephrata National Bank's denial rate in Pennsylvania?
21.0% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 20.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does The Ephrata National Bank lend in most?
By originations: Lancaster County (497), Lebanon County (115), Berks County (71), York County (36), Dauphin County (34).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.