The Ephrata National Bank closing costs and rates (2024)
In 2024, The Ephrata National Bank originated 324 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $7,207. That is $466 above the national median of $6,741. The Ephrata National Bank is most active in Pennsylvania with 316 originations there.
Purchase Originations
324
Median Total Costs
$7,207
+6.9% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$2,746
Median Lender Credits
$92
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 315 | 6.875% | $7,084 | $2,720 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 316 | 6.875% | $7,099 | #66 |
| Maryland | 6 | 7.183% | $10,577 | — |
| Delaware | 1 | 7.625% | $5,074 | — |
| Illinois | 1 | 6.490% | $10,891 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,872 | 7.125% | — | 1 | −$3,335 | |
| 2 | $5,074 | 7.625% | — | 1 | −$2,133 | |
| 3 | $5,649 | 6.500% | — | 2 | −$1,558 | |
| 4 | $5,873 | 6.750% | — | 55 | −$1,334 | |
| 5 | $6,820 | 6.745% | — | 130 | −$387 | |
| 6 | $7,188 | 6.875% | — | 31 | −$19 | |
| 7 | $7,465 | 6.875% | — | 3 | +$258 | |
| 8 | $8,166 | 6.875% | — | 13 | +$959 | |
| 9 | $8,347 | 6.875% | — | 4 | +$1,140 | |
| 10 | $8,371 | 6.875% | — | 19 | +$1,164 | |
| 11 | $8,675 | 7.990% | — | 3 | +$1,468 | |
| 12 | $9,042 | 7.750% | — | 2 | +$1,835 | |
| 13 | $9,107 | 6.933% | — | 18 | +$1,900 | |
| 14 | $9,441 | 6.875% | — | 13 | +$2,234 | |
| 15 | $10,239 | 6.000% | — | 2 | +$3,032 | |
| 16 | $10,424 | 6.750% | — | 3 | +$3,217 | |
| 17 | $10,891 | 6.490% | — | 1 | +$3,684 | |
| 18 | $10,978 | 7.250% | — | 12 | +$3,771 | |
| 19 | $12,480 | 6.990% | — | 3 | +$5,273 | |
| 20 | $16,186 | 7.062% | — | 4 | +$8,979 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.