Applications / Mortgage Analytics / Lenders / Pennsylvania / The Ephrata National Bank
Ephrata, PA · National bank · OCC · $2.3 billion assets · 947 loans in 2025
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947
loans originated, 2025
1,346
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Ephrata National Bank is a Pennsylvania bank that ranked 5 of 365 lenders in Lancaster and gained share there in 2025, as its lending in low- and moderate-income areas rose.
Its share of Lancaster, its market since before 1990, rose 0.5 points to 5.0%. In Lebanon it fell 1.6 points to 3.0%, ranking 10 of 213; in a market of $713.8M a few large loans by competitors can move shares. In Reading it held 0.9%.
Its typical rate was 6.00% against 6.62% at similar lenders (national banks making between half and twice as many loans), lower than more than nine in ten of them. Higher-priced loans (a rate well above the average for similar loans) were 1.0% against 1.9%. Jumbo loans (larger than the conforming limit) were 0.5% of its lending, among the lowest tenth; its typical loan, $205,000, matched peers'.
LMI (low- and moderate-income) areas took 17.0% of its loans, up from 11.8% last year and 6.2% five years before, against 14.5% at peers. Majority-minority areas took 11.5%, up from 3.6%. LMI borrowers took 26.9%, close to peers' 27.2%.
Originations rose 5% to 947, against 10% at peers and the whole market. Purchases were 42.9% of its loans, refinances 24.0% and home improvement 19.3%. It made 1,484 loans in 2021.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Ephrata National Bank took 1,346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Refinance 24.0% · Home improvement 19.3% · Other 13.8%
Conventional 97.3% · FHA 2.1% · VA 0.6% · of 947 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 941 | 99.4% |
| Maryland | 3 | 0.3% |
| Delaware | 1 | 0.1% |
| Florida | 1 | 0.1% |
| Illinois | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 659 |
| Lebanon | 87 |
| Reading | 79 |
| Montgomery County-Bucks County-Chester County | 34 |
| York-Hanover | 23 |
| Harrisburg-Carlisle | 21 |
| Philadelphia | 6 |
| Allentown-Bethlehem-Easton | 3 |
| Baltimore-Columbia-Towson | 1 |
| Gettysburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T560RY8NY4EY89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425911 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12515 | 1990–2017 |
Established 17 March 1881. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Ephrata National Bank's data.
The Ephrata National Bank's data
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The Ephrata National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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