What loan types does The Ephrata National Bank offer?

The Ephrata National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does The Ephrata National Bank offer mortgages?

The Ephrata National Bank offers mortgages in 4 states: DE, IL, MD, PA.

How competitive are The Ephrata National Bank's mortgage rates?

The Ephrata National Bank has an overall pricing score of 31.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Ephrata National Bank?

The Ephrata National Bank is a Bank headquartered in Ephrata, PA.

Unclaimed

The Ephrata National Bank

Bank•Ephrata, PAHQ•Direct•Reviews near you on Google

The Ephrata National Bank has 381 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 6 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and Jumbo loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

The Ephrata National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+25.5 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

359 loans · 0.25% above market

Strong

Top 40% of lenders

4/5

Jumbo

13 loans · 0.33% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

355 loans · 0.23% above market

Strong

Top 40% of lenders

4/5

Refinance

26 loans · 0.47% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 7 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	359	94.2%	+0.251%Above	$2,783Fees
Jumbo Loans	Sound	Strong	—	Sound	13	3.4%	+0.330%Above	$9,200Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume359

Mix94.2%

Spread

+0.251%Above

Fees

$2,783Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume13

Mix3.4%

Spread

+0.330%Above

Fees

$9,200Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	355	93.2%	+0.232%Above	$2,828Fees
Refinance	Sound	Sound	Mediocre	Strong	26	6.8%	+0.472%Above	$2,905Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume355

Mix93.2%

Spread

+0.232%Above

Fees

$2,828Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume26

Mix6.8%

Spread

+0.472%Above

Fees

$2,905Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

381

Applications

480

Volume

$135 million

Pricing & Closing

Avg Rate Spread

+0.255%

vs. market APOR

Avg Net Fees

$2,835

Origination − Credits

Pullthrough Rate

79.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$356,155

Avg Borrower Income

$152,299

Avg Property Value

$490,748

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Midwest1

South2

DEMD

Top Metro Areas by Place Specialization Score

Lancaster, PAMetro

Volume 157Mix 41.21% of portfolio

94/100

Exceptional

Lebanon, PAMetro

Volume 64Mix 16.80% of portfolio

84/100

Exceptional

Harrisburg, PAMetro

Volume 42Mix 11.02% of portfolio

68/100

Strong

Reading, PAMetro

Volume 34Mix 8.92% of portfolio

63/100

Strong

Montgomery County, PAMetro

Volume 31Mix 8.14% of portfolio

58/100

Sound

York, PAMetro

Volume 20Mix 5.25% of portfolio

52/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 372Mix 97.64% of portfolio

81/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of The Ephrata National Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.