The Ephrata National Bank mortgage approval rate & lending review
The Ephrata National Bank decided 3,016 mortgage applications and funded 2,307 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Ephrata National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Ephrata National Bank at a glance
Approval is 4.3 points above the 78.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,163 / 1,282 | 92% | $275K | 1,072 |
| Home improvement loans | 72% | 548 / 759 | 96% | $105K | 528 |
| Cash-out refinance | 94% | 44 / 47 | 86% | $235K | 38 |
| Refinance | 68% | 340 / 498 | 94% | $175K | 321 |
| Investment property purchase | 95% | 230 / 243 | 87% | $225K | 199 |
| Investment refinance | 92% | 101 / 110 | 97% | $75K | 98 |
| Investment home improvement | 68% | 43 / 63 | 93% | $105K | 40 |
The Ephrata National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 82% | $225K | 2,996 | 2,291 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Ephrata National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, PA | Mortgage lenders | 89% | 645 | 538 |
| Lancaster County, PA | Home improvement loans | 73% | 570 | 398 |
| Lancaster County, PA | Refinance | 69% | 375 | 240 |
| Lebanon County, PA | Mortgage lenders | 96% | 174 | 157 |
| Berks County, PA | Mortgage lenders | 90% | 124 | 103 |
| Lancaster County, PA | Investment property purchase | 93% | 120 | 96 |
| Lancaster County, PA | Investment refinance | 93% | 91 | 84 |
| York County, PA | Mortgage lenders | 89% | 64 | 52 |
| Berks County, PA | Home improvement loans | 72% | 74 | 51 |
| Dauphin County, PA | Mortgage lenders | 100% | 49 | 44 |
| Cumberland County, PA | Mortgage lenders | 95% | 43 | 40 |
| Berks County, PA | Refinance | 86% | 42 | 35 |
The county markets where The Ephrata National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Ephrata National Bank
What is The Ephrata National Bank's mortgage approval rate?
The Ephrata National Bank approved 82.3% of the 3,016 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan The Ephrata National Bank offers?
Borrowers accepted 93% of the loans The Ephrata National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Ephrata National Bank make?
The typical home purchase mortgage loan The Ephrata National Bank made was $275K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Ephrata National Bank lend?
The Ephrata National Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and Delaware.
Can I apply to The Ephrata National Bank directly?
Yes. The Ephrata National Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Ephrata National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Ephrata National Bank treats applications, then get a rate quote from the lender.