Lender profile · HMDA 2023–2025
The Ephrata National Bank mortgage approval rates & lending data
The Ephrata National Bank decided 3,016 mortgage applications and funded 2,307 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Maryland | 100% | $375K | 13 | 11 |
| Delaware | 100% | $255K | 4 | 3 |
| Florida | 100% | $275K | 2 | 1 |
| Illinois | 100% | $325K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.