The Ephrata National Bank
The Ephrata National Bank received 1,346 applications in 2025 and made 947 mortgages, in 42 counties across 6 states. The median rate its borrowers got was 6.000% on a median loan of $205,000. Of 1,234 decisions, 230 were denials — 18.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300T560RY8NY4EY89 |
|---|---|
| Applications received | 1,346 |
| Mortgages made | 947 |
| Denied | 230 |
| Approved, not taken up | 57 |
| Withdrawn or incomplete | 112 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.774 points |
| FDIC-insured bank | Yes: The Ephrata National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 406 | 6.625% | $265,000 | 11.8% |
| Refinancing | 215 | 4.990% | $115,000 | 20.3% |
| Cash-out refinancing | 12 | 6.990% | $240,000 | 13.3% |
| Other purposes | 314 | 4.990% | $105,000 | 25.5% |
Where The Ephrata National Bank lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lancaster County, PA | 659 | 5.500% | 18.8% |
| Lebanon County, PA | 87 | 6.500% | 10.7% |
| Berks County, PA | 79 | 6.000% | 17.7% |
| Chester County, PA | 26 | 6.933% | 29.0% |
| York County, PA | 23 | 6.625% | 25.0% |
| Dauphin County, PA | 12 | 7.250% | 17.7% |
| Schuylkill County, PA | 8 | Under 10 loans | 33.3% |
| Bucks County, PA | 6 | Under 10 loans | 0.0% |
| Cumberland County, PA | 6 | Under 10 loans | 14.3% |
| Philadelphia County, PA | 4 | Under 10 loans | 44.4% |
| Perry County, PA | 3 | Under 10 loans | 0.0% |
| Potter County, PA | 3 | Under 10 loans | 0.0% |
| Union County, PA | 3 | Under 10 loans | 0.0% |
| Delaware County, PA | 2 | Under 10 loans | 50.0% |
| Montgomery County, PA | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Northumberland County, PA | 2 | Under 10 loans | 50.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Whiteside County, IL | 1 | Under 10 loans | 0.0% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| Adams County, PA | 1 | Under 10 loans | 0.0% |
| Bradford County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Clinton County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Crawford County, PA | 1 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 33.3% |
| Monroe County, PA | 1 | Under 10 loans | 33.3% |
| Snyder County, PA | 1 | Under 10 loans | 0.0% |
| Somerset County, PA | 1 | Under 10 loans | 0.0% |
| Sullivan County, PA | 1 | Under 10 loans | 50.0% |
| Tioga County, PA | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 0 | Under 10 loans | 0.0% |
| Cecil County, MD | 0 | Under 10 loans | 0.0% |
| Brunswick County, NC | 0 | Under 10 loans | Not published |
| Lehigh County, PA | 0 | Under 10 loans | 100.0% |
| Washington County, PA | 0 | Under 10 loans | 100.0% |
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When The Ephrata National 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.