Fulton County, PA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 504 mortgage applications in Fulton County, PA totaling $60.9 million, down 13% from 2010. The average application was for $120,000, and applicants reported an average income of $60,000. 39% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank NA, with 65 applications, followed by Graystone Tower Bank and Farmers and Merchants Trust Company of Chambersburg.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 504 |
| Total Mortgage Loan Application Amount | $60,923,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $654,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 65 | $ 8,464,000 |
| Graystone Tower Bank 1826 GOOD HOPE RD ENOLA, PA 17025 |
* | $ 2,745,490,000 | 59 | $ 4,341,000 |
| Farmers and Merchants Trust Company of Chambersburg 20 SOUTH MAIN STREET CHAMBERSBURG, PA 17201 |
* | $ 949,829,000 | 56 | $ 3,766,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 3,340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 22 | $ 3,360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 20 | $ 2,796,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 16 | $ 1,809,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 13 | $ 2,522,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,211,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,642,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 915,000 |
| Cnb Bank Inc. 101 S WASHINGTON STREET BERKELEY SPRINGS, WV 25411 |
* | $ 276,991,000 | 8 | $ 597,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 7 | $ 1,003,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 842,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 843,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ 1,491,880,000 | 6 | $ 554,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,011,752,000 | 6 | $ 794,000 |
| Patriot FCU PO BOX 778 CHAMBERSBURG, PA 17201 |
* | $ 425,184,000 | 6 | $ 1,102,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,645,703,000 | 5 | $ 225,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 5 | $ 958,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 703,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 5 | $ 440,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 5 | $ 1,102,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 600,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 144,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 4 | $ 930,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 4 | $ 441,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 4 | $ 667,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 832,744,000 | 4 | $ 548,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 3 | $ 575,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17604 |
* | $ 14,042,078,000 | 3 | $ 427,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 3 | $ 532,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 428,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 195,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 3 | $ 369,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 3 | $ 331,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 3 | $ 395,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 293,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,759,397,000 | 2 | $ 134,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 2 | $ 221,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 239,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Aurora Financial Group Inc 301 HARPER DRIVE SUITE 110 MOORESTOWN, NJ 08057 |
* | $ 10,000,000 | 2 | $ 146,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 258,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 287,000 |
| Carrollton Mortgage Services 9515 DEERECO ROAD #400 TIMONIUM, MD 21093 |
* | $ 318,000,000 | 2 | $ 223,000 |
| Carrollton Bank 7151 GATEWAY DRIVE SUITE A COLUMBIA, MD 21046 |
* | $ 386,153,000 | 2 | $ 320,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 204,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 290,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,800,692,000 | 2 | $ 376,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 360,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 2 | $ 109,000 |
| Act 1st FCU 14316 NATIONAL HWY SW LAVALE, MD 21502 |
* | $ 75,100,000 | 2 | $ 52,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 1,901,665,000 | 2 | $ 237,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,240,280,000 | 1 | $ 92,000 |
| Agriculture Federal Credit Union 1400 INDEPENDENCE AVE SW WASHINGTON, DC 20250 |
* | $ 224,200,000 | 1 | $ 20,000 |
| Cornerstone Federal Credit Uni PO BOX 1181 CARLISLE, PA 17013 |
* | $ 84,156,000 | 1 | $ 40,000 |
| Spe 650 SCIENCE PARK ROAD STATE COLLEGE, PA 16803 |
* | $ 65,691,000 | 1 | $ 44,000 |
| Superior Credit Union 100 CROSSKEYS RD COLLEGEVILLE, PA 19426 |
* | $ 40,384,000 | 1 | $ 380,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 2,092,647,000 | 1 | $ 40,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 130,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 151,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 97,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 117,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 76,586,967,000 | 1 | $ 51,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 48,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 150,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 6,113,555,000 | 1 | $ 205,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 241,105,000 | 1 | $ 155,000 |
| Continental Bank 620 W. GERMANTOWN PIKE SUITE 350 PLYMOUTH MEETING, PA 19462 |
* | $ 515,013,000 | 1 | $ 181,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 5,749,618,000 | 1 | $ 225,000 |
| The Columbia Bank 7168 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 2,100,478,000 | 1 | $ 131,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 1 | $ 253,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Pleasant Valley Home Mortgage 305 HARPER DRIVE SUITE 3 MOORESTOWN, NJ 08057 |
* | $ 10,000,000 | 1 | $ 217,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 182,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 193,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 102,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 134,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 153,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 1 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 172,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 298,000 |
The tables below break down 2011 mortgage applications in Fulton County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Fulton County, PA in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 331 | $46,201,000 | $139,000 | $475,000 | $63,000 | $654,000 |
| Home Purchase | 115 | $13,586,000 | $118,000 | $250,000 | $57,000 | $203,000 |
| Home Improvement | 58 | $1,136,000 | $19,000 | $175,000 | $47,000 | $126,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 436 | $50,662,000 | $116,000 | $475,000 | $62,000 | $654,000 |
| Not Provided | 40 | $6,070,000 | $151,000 | $400,000 | $63,000 | $350,000 |
| Not applicable | 24 | $3,634,000 | $151,000 | $267,000 | $19,000 | $101,000 |
| Black or African American | 2 | $256,000 | $128,000 | $150,000 | $33,000 | $66,000 |
| Hispanic | 2 | $301,000 | $150,000 | $204,000 | $37,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 363 | $40,137,000 | $110,000 | $475,000 | $65,000 | $654,000 |
| FHA-insured (Federal Housing Administration) | 104 | $15,374,000 | $147,000 | $289,000 | $46,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,764,000 | $131,000 | $204,000 | $49,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,648,000 | $165,000 | $298,000 | $47,000 | $103,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 195 | $20,976,000 | $107,000 | $412,000 | $68,000 | $654,000 |
| Application Denied By Financial Institution | 145 | $17,394,000 | $119,000 | $413,000 | $55,000 | $459,000 |
| Application Withdrawn By Applicant | 67 | $8,363,000 | $124,000 | $300,000 | $54,000 | $155,000 |
| Loan Purchased By The Institution | 55 | $8,039,000 | $146,000 | $267,000 | $46,000 | $203,000 |
| Application Approved But Not Accepted | 29 | $4,179,000 | $144,000 | $475,000 | $71,000 | $132,000 |
| File Closed For Incompleteness | 13 | $1,972,000 | $151,000 | $305,000 | $58,000 | $118,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 32 | $5,774,000 | $180,000 | $413,000 | $90,000 | $459,000 |
| Credit History | 16 | $2,297,000 | $143,000 | $380,000 | $43,000 | $103,000 |
| Debt-To-Income Ratio | 15 | $1,541,000 | $102,000 | $241,000 | $40,000 | $97,000 |
| Credit Application Incomplete | 8 | $938,000 | $117,000 | $153,000 | $42,000 | $159,000 |
| Other | 3 | $361,000 | $120,000 | $240,000 | $71,000 | $80,000 |
| Employment History | 1 | $293,000 | $293,000 | $293,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $82,000 | $82,000 | $82,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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