Applications / Mortgage Analytics / Lenders / Pennsylvania / The Ephrata National Bank / Competition
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
Who The Ephrata National Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — LANCASTER, PA, 2025
The Ephrata National Bank ranks 5th of 365 lenders in Lancaster, PA, with $138.8M lent: 5.0% of a $2.77B market.
Lancaster, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LEBANON, PA, 2025
The Ephrata National Bank ranks 10th of 213 lenders in Lebanon, PA, with $21.5M lent: 3.0% of a $713.8M market.
Lebanon, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — READING, PA, 2025
The Ephrata National Bank ranks 31st of 365 lenders in Reading, PA, with $17.9M lent: 0.9% of a $2.00B market.
Reading, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
The Ephrata National Bank ranks 286th of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $12.6M lent: 0.0% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO PENNSYLVANIA, 2025
The Ephrata National Bank ranks 141st of 643 lenders in non-metro Pennsylvania, with $7.3M lent: 0.1% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO ILLINOIS, 2025
The Ephrata National Bank ranks 555th of 572 lenders in non-metro Illinois, with $75K lent: 0.0% of a $3.27B market.
non-metro Illinois is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 27% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NORTH PORT-BRADENTON-SARASOTA, FL, 2025
The Ephrata National Bank ranks 717th of 811 lenders in North Port-Bradenton-Sarasota, FL, with $275K lent: 0.0% of a $10.17B market.
North Port-Bradenton-Sarasota, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GETTYSBURG, PA, 2025
The Ephrata National Bank ranks 209th of 228 lenders in Gettysburg, PA, with $105K lent: 0.0% of a $592.1M market.
Gettysburg, PA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Ephrata National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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