The Ephrata National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th18.6% deniedPricingmedian rate spread over APOR, weight 30%
82nd-0.77 ptsProcesswithdrawn + incomplete share, weight 15%
74th8.3%Closing coststotal loan costs ÷ loan amount, weight 10%
48th3.20% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,398 | 997 | 18.0% | 18.8% | 5.63% | $240M |
| 2024 | 1,331 | 905 | 19.2% | 20.8% | 6.50% | $219M |
| 2025 | 1,346 | 947 | 17.1% | 18.6% | 6.00% | $212M |
What The Ephrata National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 785 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 225 investment properties.
Why The Ephrata National Bank denies applications
Primary reason reported for each of the 230 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Ephrata National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 91 | 38 | 46.7% |
| $50k – $100k | 450 | 291 | 24.9% |
| $100k – $150k | 274 | 204 | 15.0% |
| $150k – $250k | 239 | 170 | 16.0% |
| Over $250k | 220 | 193 | 5.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 103 | 78 | 14.7% |
| 25–34 | 269 | 197 | 15.0% |
| 35–44 | 276 | 190 | 18.5% |
| 45–54 | 276 | 204 | 18.4% |
| 55–64 | 183 | 114 | 27.4% |
| 65–74 | 144 | 98 | 20.8% |
| Over 74 | 50 | 33 | 23.4% |
Where The Ephrata National Bank lends
6 states and 42 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 1,337 | 941 | 17.2% | 6.00% | #68 |
Frequently asked questions
The Ephrata National Bank denied 18.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of home-equity (HELOC) lenders.
The most common reason The Ephrata National Bank gave in 2025 was "debt-to-income ratio", cited on 51.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans The Ephrata National Bank originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.77 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 40% of its applications were for home purchases, 23% for refinancing (including cash-out), and 37% for home improvement or other purposes. By loan type: 97% conventional, 3% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.