Purchase Originations
267
Median Total Costs
$5,961
−10.8% vs national ($6,680)
↓ $1,246 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,184
Median Lender Credits
$93
Denial Rate
12.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 241 | 6.625% | $5,537 | $995 |
| fha | 20 | 6.125% | $9,520 | $1,490 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 263 | 6.500% | $5,935 | #84 |
| Delaware | 1 | 5.750% | $24,340 | — |
| Florida | 1 | 5.250% | $11,772 | — |
| Illinois | 1 | 6.250% | $5,449 | — |
| Maryland | 1 | 6.625% | $7,297 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,677 | 7.625% | — | 1 | −$1,284 | |
| 2 | $5,015 | 6.625% | — | 40 | −$946 | |
| 3 | $5,430 | 6.562% | — | 24 | −$531 | |
| 4 | $5,449 | 6.250% | — | 1 | −$512 | |
| 5 | $5,773 | 6.375% | — | 150 | −$188 | |
| 6 | $6,808 | 6.625% | — | 3 | +$847 | |
| 7 | $7,005 | 6.250% | — | 4 | +$1,044 | |
| 8 | $7,041 | 7.375% | — | 1 | +$1,080 | |
| 9 | $7,096 | 7.125% | — | 3 | +$1,135 | |
| 10 | $7,128 | 6.250% | — | 2 | +$1,167 | |
| 11 | $7,217 | 6.933% | — | 6 | +$1,256 | |
| 12 | $7,297 | 6.625% | — | 1 | +$1,336 | |
| 13 | $7,333 | 5.875% | — | 9 | +$1,372 | |
| 14 | $7,470 | 6.438% | — | 4 | +$1,509 | |
| 15 | $9,060 | 6.188% | — | 4 | +$3,099 | |
| 16 | $9,848 | 7.125% | — | 2 | +$3,887 | |
| 17 | $11,772 | 5.250% | — | 1 | +$5,811 | |
| 18 | $11,831 | 6.875% | — | 3 | +$5,870 | |
| 19 | $12,045 | 6.188% | — | 2 | +$6,084 | |
| 20 | $24,340 | 5.750% | — | 1 | +$18,379 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Ephrata National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $5,961 | $7,127 | −$1,166 (−16.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.