The Ephrata National Bank in Pennsylvania vs the state
17.2%Denial rate-1.09 pts vs state
18.8%Decision denial rate-3.45 pts vs state
70.4%Origination rate+9.42 pts vs state
6.00%Median rate-0.63 pts vs state
-0.81Rate spread (pts)-1.05 pts vs state
$114kMedian applicant income
941Loans originated
230Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,386 | 990 | 18.0% | 5.63% | #63 |
| 2024 | 1,318 | 895 | 19.4% | 6.50% | #67 |
| 2025 | 1,337 | 941 | 17.2% | 6.00% | #68 |
What The Ephrata National Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most The Ephrata National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 921 | 659 | 160 | 17.4% |
| Berks County | 117 | 79 | 18 | 15.4% |
| Lebanon County | 108 | 87 | 11 | 10.2% |
| Chester County | 46 | 26 | 11 | 23.9% |
| York County | 34 | 23 | 8 | 23.5% |
| Dauphin County | 18 | 12 | 3 | 16.7% |
| Schuylkill County | 15 | 8 | 4 | 26.7% |
| Philadelphia County | 13 | 4 | 4 | 30.8% |
| Delaware County | 7 | 2 | 3 | 42.9% |
| Cumberland County | 7 | 6 | 1 | 14.3% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,337 applications in 2025, of which 941 were originated and 230 denied.
17.2% of all applications, or 18.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans The Ephrata National Bank originated in Pennsylvania in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are The Ephrata National Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology