# The Ephrata National Bank

> **Canonical URL:** https://saferate.com/lenders/the-ephrata-national-bank

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

The Ephrata National Bank is a bank, headquartered in Ephrata, PA, serving borrowers across 4 states, with 381 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300T560RY8NY4EY89
- **Headquarters:** Ephrata, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, IL, MD, PA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.255%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,835
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 381
- **Dollar Volume:** $136 million
- **Applications Received:** 480
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $356,155
- **Average Borrower Income:** $152,299

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 359 | +0.251% | $2,783 | Strong 😀 |
| Jumbo | 63/100 | 13 | +0.330% | $9,200 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 333 loans, Score: 68/100 (Strong)
- Refinance: 26 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 355 | $130M | +0.232% | Strong 😀 |
| Refinance | 47/100 | 26 | $6M | +0.472% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 372 | 0.31% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lancaster, PA | PA | 157 | 94/100 |
| Lebanon, PA | PA | 64 | 84/100 |
| Harrisburg | PA | 42 | 68/100 |
| Reading, PA | PA | 34 | 63/100 |
| Montgomery County | PA | 31 | 58/100 |
| York | PA | 20 | 52/100 |
| Non |  | 18 | 28/100 |

## Frequently Asked Questions

### What loan types does The Ephrata National Bank offer?

The Ephrata National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Ephrata National Bank offer mortgages?

The Ephrata National Bank offers mortgages in 4 states: DE, IL, MD, PA.

### How competitive are The Ephrata National Bank's mortgage rates?

The Ephrata National Bank has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.255% above market average.

### What type of lender is The Ephrata National Bank?

The Ephrata National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ephrata, PA.

### What is The Ephrata National Bank's loan approval success rate?

The Ephrata National Bank has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-ephrata-national-bank

### How to Cite

> "The Ephrata National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-ephrata-national-bank

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