Fulton County, PA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 543 mortgage applications in Fulton County, PA totaling $80.5 million, down 31% from 2021. The average application was for $148,000, and applicants reported an average income of $85,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Community State Bank of Orbisonia, with 98 applications, followed by Truist 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 543
Total Mortgage Loan Application Amount $80,475,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $915,000
Average Applicant Income $85,000
Highest Applicant Income $687,000

Mortgage Company List for Lending in Fulton County, PA for 2022

* 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
Community State Bank of Orbisonia
478 RIDGLEY ST
ORBISONIA, PA 17243
* $ 432,192,000 98 $ 13,490,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 49 $ 5,495,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,773,423,000 44 $ 4,900,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ 935,167,000 20 $ 1,470,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 8,187,070,000 15 $ 935,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 13 $ 2,855,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 13 $ 1,135,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,834,012,000 12 $ 3,240,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 10 $ 2,330,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 2,410,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,455,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,348,909,000 8 $ 410,000
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ 538,096,000 8 $ 1,120,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 7 $ 765,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,145,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 7 $ 1,055,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 6 $ 1,190,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,160,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 1,070,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 5 $ 1,615,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 5 $ 1,025,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 945,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 5 $ 885,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 505,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,245,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 5 $ 1,225,000
First Peoples Cfcu
153 BALTIMORE STREET
CUMBERLAND, MD 21502
* $ 589,126,000 5 $ 545,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 730,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 4 $ 710,000
Hometown Bank of Pennsylvania
638 E PITT ST
BEDFORD, PA 15522
* $ 303,487,000 4 $ 250,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 870,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 840,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 415,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 475,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 395,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 795,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 3 $ 735,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 555,000
Middletown Valley Bank
24 WEST MAIN STREET
MIDDLETOWN, MD 21769
* $ 812,706,000 3 $ 675,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 385,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 2 $ 390,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 450,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 150,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 150,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 2 $ 180,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 260,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 2 $ 150,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 310,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 2 $ 280,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 220,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 100,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 570,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 2 $ 450,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 270,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 1 $ 385,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ 1,224,156,000 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 195,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 115,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ -1,000 1 $ 55,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 245,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 75,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 175,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 95,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 1 $ 155,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 65,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 9,521,721,000 1 $ 105,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 265,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 5,307,549,000 1 $ 165,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 335,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 195,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 1 $ 145,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 255,000
Reliance Savings Bank
1119 12TH ST
ALTOONA, PA 16602
* $ 674,605,000 1 $ 275,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 1 $ 185,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 1 $ 35,000
Freedom Credit Uniton
626 JACKSONVILLE ROAD #250
WARMINSTER, PA 18974
* $ 1,102,924,000 1 $ 75,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 185,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 365,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 205,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 25,000
Horizon Federal Credit Union
2849 REACH ROAD
WILLIAMSPORT, PA 17701
* $ 135,590,000 1 $ 165,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 4,687,600,000 1 $ 155,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 75,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 235,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,657,985,000 1 $ 15,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 285,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 1 $ 205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 75,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 225,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 195,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 105,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 105,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 25,647,791,000 1 $ 155,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 145,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 305,000
Somerset Trust Company
151 WEST MAIN STREET
SOMERSET, PA 15501
* $ 1,866,665,000 1 $ 45,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 2,772,684,000 1 $ 125,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 135,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 45,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 35,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 55,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 155,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 225,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 335,000

The tables below break down 2022 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 2022

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
Home Purchase 199 $38,295,000 $192,000 $915,000 $83,000 $352,000
Refinancing 128 $17,890,000 $139,000 $625,000 $91,000 $687,000
Cash-out Refinancing 89 $15,055,000 $169,000 $485,000 $78,000 $600,000
Other Purpose 64 $5,140,000 $80,000 $285,000 $99,000 $555,000
Home Improvement 61 $3,835,000 $62,000 $275,000 $75,000 $239,000
Not Applicable 2 $260,000 $130,000 $145,000 $0 $0

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 446 $63,300,000 $141,000 $915,000 $86,000 $687,000
Not Provided 53 $9,045,000 $170,000 $395,000 $83,000 $209,000
Not applicable 39 $7,115,000 $182,000 $385,000 $72,000 $97,000
American Indian or Alaskan Native 2 $380,000 $190,000 $275,000 $57,000 $72,000
Black or African American 2 $440,000 $220,000 $335,000 $77,000 $116,000
Hispanic 1 $195,000 $195,000 $195,000 $42,000 $42,000
Native Hawaiian or Other Pacific Islander 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) 410 $53,970,000 $131,000 $915,000 $88,000 $687,000
FHA-insured (Federal Housing Administration) 68 $11,660,000 $171,000 $395,000 $70,000 $170,000
VA-guaranteed (Veterans Administration) 50 $12,080,000 $241,000 $485,000 $84,000 $223,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $2,765,000 $184,000 $265,000 $57,000 $80,000

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 301 $48,205,000 $160,000 $915,000 $92,000 $687,000
Application Denied By Financial Institution 103 $11,765,000 $114,000 $395,000 $72,000 $555,000
Application Withdrawn By Applicant 64 $8,760,000 $136,000 $375,000 $80,000 $600,000
Loan Purchased By The Institution 37 $6,875,000 $185,000 $385,000 $93,000 $156,000
File Closed For Incompleteness 23 $3,435,000 $149,000 $315,000 $68,000 $148,000
Application Approved But Not Accepted 15 $1,435,000 $95,000 $305,000 $82,000 $159,000
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
Not applicable 437 $68,035,000 $155,000 $915,000 $89,000 $687,000
Credit History 38 $3,740,000 $98,000 $335,000 $84,000 $555,000
Collateral 23 $2,915,000 $126,000 $395,000 $71,000 $188,000
Debt-To-Income Ratio 14 $1,710,000 $122,000 $255,000 $63,000 $102,000
Credit Application Incomplete 11 $1,285,000 $116,000 $305,000 $73,000 $120,000
Other 11 $1,335,000 $121,000 $205,000 $72,000 $167,000
Employment History 3 $515,000 $171,000 $205,000 $36,000 $60,000
Insufficient Cash (Downpayment, Closing Cost) 3 $415,000 $138,000 $235,000 $53,000 $66,000
Unverifiable Information 2 $420,000 $210,000 $255,000 $19,000 $39,000
Mortgage Insurance Denied 1 $105,000 $105,000 $105,000 $57,000 $57,000

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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