Fulton Bank, National Association Mortgage Lending & HMDA Data, 2009

In 2009, Fulton Bank, National Association of Lancaster, PA reported 11,754 mortgage applications totaling $2.2 billion. The average application was for $186,848, and applicants reported an average income of $87,650. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lancaster, PA (2,247), Virginia Beach-Norfolk-Newport News, VA-NC (1,905) and York-Hanover, PA (1,462) (applications in parentheses).

Mortgage Company & Address Fulton Bank, National Association
One Penn Square
Lancaster, PA 17602
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 11,754
Total Mortgage Loan Application Amount $2,196,219,000
Average Mortgage Loan Application Amount $186,848
Highest Mortgage Loan Application Amount $3,230,000
Average Applicant Income $87,650
Highest Applicant Income $6,628,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Fulton Bank, National Association by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lancaster, Pennsylvania 2,247 $ 338,316,000 $ 150,563 $ 80,000
York, Pennsylvania 1,462 $ 236,267,000 $ 161,605 $ 90,000
Berks, Pennsylvania 1,124 $ 166,842,000 $ 148,435 $ 80,000
Lebanon, Pennsylvania 693 $ 91,888,000 $ 132,594 $ 72,000
Virginia Beach, Virginia 486 $ 118,556,000 $ 243,942 $ 82,000
Dauphin, Pennsylvania 453 $ 70,018,000 $ 154,565 $ 91,000
Cumberland, Pennsylvania 312 $ 57,150,000 $ 183,173 $ 98,000
Chester, Pennsylvania 287 $ 61,529,000 $ 214,386 $ 111,000
Henrico, Virginia 260 $ 54,537,000 $ 209,757 $ 82,000
Chesterfield, Virginia 252 $ 63,073,000 $ 250,289 $ 98,000
Chesapeake, Virginia 240 $ 59,857,000 $ 249,404 $ 71,000
Newport News, Virginia 237 $ 47,452,000 $ 200,219 $ 74,000
Howard, Maryland 212 $ 64,546,000 $ 304,462 $ 131,000
Richmond City, Virginia 211 $ 44,947,000 $ 213,018 $ 102,000
James City, Virginia 189 $ 50,157,000 $ 265,380 $ 97,000
Bucks, Pennsylvania 183 $ 49,484,000 $ 270,404 $ 123,000
York, Virginia 171 $ 44,419,000 $ 259,760 $ 89,000
Schuylkill, Pennsylvania 169 $ 19,407,000 $ 114,834 $ 62,000
Hampton, Virginia 156 $ 28,985,000 $ 185,801 $ 70,000
Norfolk, Virginia 146 $ 27,536,000 $ 188,602 $ 76,000
Montgomery, Pennsylvania 116 $ 23,522,000 $ 202,775 $ 106,000
Baltimore, Maryland 115 $ 29,008,000 $ 252,243 $ 94,000
Centre, Pennsylvania 108 $ 20,000,000 $ 185,185 $ 106,000
Hanover, Virginia 105 $ 29,676,000 $ 282,628 $ 93,000
Gloucester, Virginia 75 $ 17,447,000 $ 232,626 $ 68,000
Portsmouth, Virginia 57 $ 9,324,000 $ 163,578 $ 65,000
Adams, Pennsylvania 55 $ 10,367,000 $ 188,490 $ 102,000
Suffolk, Virginia 54 $ 12,497,000 $ 231,425 $ 70,000
Delaware, Pennsylvania 53 $ 12,039,000 $ 227,150 $ 112,000
Harford, Maryland 50 $ 12,221,000 $ 244,420 $ 66,000
Montgomery, Maryland 49 $ 20,279,000 $ 413,857 $ 176,000
Fairfax, Virginia 48 $ 18,411,000 $ 383,562 $ 151,000
Mifflin, Pennsylvania 43 $ 4,194,000 $ 97,534 $ 46,000
Poquoson, Virginia 36 $ 9,214,000 $ 255,944 $ 83,000
Baltimore City, Maryland 35 $ 8,755,000 $ 250,142 $ 116,000
Albemarle, Virginia 33 $ 9,325,000 $ 282,575 $ 91,000
Perry, Pennsylvania 32 $ 4,897,000 $ 153,031 $ 64,000
Isle of Wight, Virginia 31 $ 7,212,000 $ 232,645 $ 64,000
New Kent, Virginia 30 $ 7,610,000 $ 253,666 $ 73,000
Prince George's, Maryland 29 $ 10,775,000 $ 371,551 $ 95,000
Philadelphia, Pennsylvania 29 $ 6,677,000 $ 230,241 $ 118,000
Anne Arundel, Maryland 28 $ 9,514,000 $ 339,785 $ 107,000
Carroll, Maryland 28 $ 7,384,000 $ 263,714 $ 106,000
Dare, North Carolina 26 $ 8,262,000 $ 317,769 $ 214,000
Hopewell, Virginia 23 $ 3,630,000 $ 157,826 $ 54,000
Sussex, Delaware 20 $ 4,974,000 $ 248,700 $ 221,000
Northumberland, Pennsylvania 20 $ 1,378,000 $ 68,900 $ 40,000
Worcester, Maryland 17 $ 4,134,000 $ 243,176 $ 138,000
Charlottesville, Virginia 16 $ 3,600,000 $ 225,000 $ 61,000
Dinwiddie, Virginia 16 $ 3,920,000 $ 245,000 $ 72,000
Prince George, Virginia 15 $ 3,444,000 $ 229,600 $ 52,000
Cecil, Maryland 14 $ 3,078,000 $ 219,857 $ 140,000
King William, Virginia 14 $ 2,564,000 $ 183,142 $ 60,000
Loudoun, Virginia 14 $ 6,831,000 $ 487,928 $ 188,000
Powhatan, Virginia 14 $ 3,887,000 $ 277,642 $ 129,000
Currituck, North Carolina 13 $ 4,243,000 $ 326,384 $ 103,000
Columbia, Pennsylvania 12 $ 1,584,000 $ 132,000 $ 50,000
Juniata, Pennsylvania 12 $ 1,205,000 $ 100,416 $ 44,000
Franklin, Pennsylvania 11 $ 2,317,000 $ 210,636 $ 328,000
Frederick, Maryland 10 $ 2,186,000 $ 218,600 $ 94,000
Colonial Heights, Virginia 10 $ 1,191,000 $ 119,100 $ 56,000
Goochland, Virginia 10 $ 3,886,000 $ 388,600 $ 271,000
Louisa, Virginia 10 $ 2,109,000 $ 210,900 $ 87,000
Prince William, Virginia 10 $ 4,043,000 $ 404,300 $ 214,000
Clearfield, Pennsylvania 9 $ 787,000 $ 87,444 $ 63,000
Snyder, Pennsylvania 9 $ 998,000 $ 110,888 $ 33,000
Arlington, Virginia 9 $ 4,502,000 $ 500,222 $ 259,000
Fluvanna, Virginia 9 $ 1,861,000 $ 206,777 $ 66,000
Cape May, New Jersey 8 $ 2,630,000 $ 328,750 $ 380,000
Lehigh, Pennsylvania 8 $ 1,664,000 $ 208,000 $ 80,000
Alexandria, Virginia 8 $ 3,235,000 $ 404,375 $ 166,000
Greene, Virginia 8 $ 1,763,000 $ 220,375 $ 73,000
Middlesex, Virginia 8 $ 1,914,000 $ 239,250 $ 96,000
Northumberland, Virginia 8 $ 2,295,000 $ 286,875 $ 177,000
Williamsburg, Virginia 8 $ 1,971,000 $ 246,375 $ 93,000
District of Columbia, District Of Columbia 7 $ 2,463,000 $ 351,857 $ 141,000
Huntingdon, Pennsylvania 7 $ 1,388,000 $ 198,285 $ 135,000
Northampton, Virginia 7 $ 1,282,000 $ 183,142 $ 170,000
Southampton, Virginia 7 $ 1,104,000 $ 157,714 $ 61,000
Guilford, North Carolina 6 $ 994,000 $ 165,666 $ 63,000
Lycoming, Pennsylvania 6 $ 755,000 $ 125,833 $ 71,000
Caroline, Virginia 6 $ 917,000 $ 152,833 $ 44,000
Petersburg, Virginia 6 $ 558,000 $ 93,000 $ 42,000
New Castle, Delaware 5 $ 1,110,000 $ 222,000 $ 81,000
Talbot, Maryland 5 $ 1,951,000 $ 390,200 $ 357,000
Northampton, Pennsylvania 5 $ 1,275,000 $ 255,000 $ 111,000
Union, Pennsylvania 5 $ 632,000 $ 126,400 $ 57,000
Mathews, Virginia 5 $ 1,127,000 $ 225,400 $ 32,000
Garrett, Maryland 4 $ 963,000 $ 240,750 $ 155,000
Blair, Pennsylvania 4 $ 582,000 $ 145,500 $ 408,000
Carbon, Pennsylvania 4 $ 462,000 $ 115,500 $ 129,000
Monroe, Pennsylvania 4 $ 874,000 $ 218,500 $ 463,000
Montour, Pennsylvania 4 $ 679,000 $ 169,750 $ 71,000
Pike, Pennsylvania 4 $ 642,000 $ 160,500 $ 172,000
Wayne, Pennsylvania 4 $ 792,000 $ 198,000 $ 175,000
Charles City, Virginia 4 $ 751,000 $ 187,750 $ 78,000
Manassas, Virginia 4 $ 1,173,000 $ 293,250 $ 94,000
Charles, Maryland 3 $ 773,000 $ 257,666 $ 73,000
Washington, Maryland 3 $ 959,000 $ 319,666 $ 34,000
Camden, New Jersey 3 $ 722,000 $ 240,666 $ 106,000
Clinton, Pennsylvania 3 $ 174,000 $ 58,000 $ 48,000
Luzerne, Pennsylvania 3 $ 497,000 $ 165,666 $ 63,000
Amelia, Virginia 3 $ 729,000 $ 243,000 $ 80,000
Lancaster, Virginia 3 $ 766,000 $ 255,333 $ 116,000
Mecklenburg, Virginia 3 $ 280,000 $ 93,333 $ 47,000
Nelson, Virginia 3 $ 1,577,000 $ 525,666 $ 434,000
Richmond, Virginia 3 $ 793,000 $ 264,333 $ 66,000
St. Mary's, Maryland 2 $ 536,000 $ 268,000 $ 0
Oswego, New York 2 $ 37,000 $ 18,500 $ 51,000
Wake, North Carolina 2 $ 424,000 $ 212,000 $ 91,000
Bradford, Pennsylvania 2 $ 197,000 $ 98,500 $ 47,000
Buckingham, Virginia 2 $ 172,000 $ 86,000 $ 38,000
Essex, Virginia 2 $ 425,000 $ 212,500 $ 123,000
Fairfax City, Virginia 2 $ 1,030,000 $ 515,000 $ 130,000
Franklin City, Virginia 2 $ 283,000 $ 141,500 $ 77,000
Frederick, Virginia 2 $ 400,000 $ 200,000 $ 97,000
King and Queen, Virginia 2 $ 225,000 $ 112,500 $ 52,000
Montgomery, Virginia 2 $ 319,000 $ 159,500 $ 52,000
Prince Edward, Virginia 2 $ 245,000 $ 122,500 $ 30,000
Spotsylvania, Virginia 2 $ 127,000 $ 63,500 $ 32,000
Sussex, Virginia 2 $ 346,000 $ 173,000 $ 52,000
Collier, Florida 1 $ 245,000 $ 245,000 $ 242,000
Hillsborough, Florida 1 $ 8,000 $ 8,000 $ 107,000
Lee, Florida 1 $ 108,000 $ 108,000 $ 230,000
Sumter, Florida 1 $ 224,000 $ 224,000 $ 64,000
Honolulu, Hawaii 1 $ 20,000 $ 20,000 $ 132,000
Clark, Indiana 1 $ 5,000 $ 5,000 $ 21,000
Calvert, Maryland 1 $ 220,000 $ 220,000 $ 203,000
Dorchester, Maryland 1 $ 192,000 $ 192,000 $ 74,000
Kent, Maryland 1 $ 90,000 $ 90,000 $ 114,000
Queen Anne's, Maryland 1 $ 247,000 $ 247,000 $ 275,000
Somerset, Maryland 1 $ 728,000 $ 728,000 $ 80,000
Wicomico, Maryland 1 $ 284,000 $ 284,000 $ 101,000
Atlantic, New Jersey 1 $ 398,000 $ 398,000 $ 316,000
Bergen, New Jersey 1 $ 400,000 $ 400,000 $ 181,000
Mercer, New Jersey 1 $ 417,000 $ 417,000 $ 174,000
Middlesex, New Jersey 1 $ 204,000 $ 204,000 $ 165,000
Monmouth, New Jersey 1 $ 150,000 $ 150,000 $ 73,000
Ocean, New Jersey 1 $ 15,000 $ 15,000 $ 94,000
Alamance, North Carolina 1 $ 177,000 $ 177,000 $ 64,000
Camden, North Carolina 1 $ 350,000 $ 350,000 $ 109,000
Forsyth, North Carolina 1 $ 222,000 $ 222,000 $ 114,000
Gates, North Carolina 1 $ 170,000 $ 170,000 $ 29,000
Hertford, North Carolina 1 $ 69,000 $ 69,000 $ 20,000
New Hanover, North Carolina 1 $ 245,000 $ 245,000 $ 163,000
Northampton, North Carolina 1 $ 295,000 $ 295,000 $ 93,000
Pasquotank, North Carolina 1 $ 314,000 $ 314,000 $ 108,000
Perquimans, North Carolina 1 $ 309,000 $ 309,000 $ 78,000
Randolph, North Carolina 1 $ 72,000 $ 72,000 $ 171,000
Yadkin, North Carolina 1 $ 78,000 $ 78,000 $ 0
Yancey, North Carolina 1 $ 120,000 $ 120,000 $ 103,000
Cleveland, Oklahoma 1 $ 7,000 $ 7,000 $ 48,000
Bedford, Pennsylvania 1 $ 145,000 $ 145,000 $ 178,000
Potter, Pennsylvania 1 $ 54,000 $ 54,000 $ 47,000
Tioga, Pennsylvania 1 $ 66,000 $ 66,000 $ 46,000
Washington, Pennsylvania 1 $ 71,000 $ 71,000 $ 115,000
Bedford, Virginia 1 $ 271,000 $ 271,000 $ 112,000
Brunswick, Virginia 1 $ 331,000 $ 331,000 $ 124,000
Charlotte, Virginia 1 $ 120,000 $ 120,000 $ 64,000
Cumberland, Virginia 1 $ 77,000 $ 77,000 $ 24,000
Fauquier, Virginia 1 $ 156,000 $ 156,000 $ 0
Harrisonburg, Virginia 1 $ 148,000 $ 148,000 $ 181,000
Pittsylvania, Virginia 1 $ 376,000 $ 376,000 $ 243,000
Radford, Virginia 1 $ 236,000 $ 236,000 $ 67,000
Roanoke, Virginia 1 $ 292,000 $ 292,000 $ 134,000
Rockingham, Virginia 1 $ 165,000 $ 165,000 $ 322,000
Staunton, Virginia 1 $ 236,000 $ 236,000 $ 130,000
Surry, Virginia 1 $ 172,000 $ 172,000 $ 33,000
Pleasants, West Virginia 1 $ 15,000 $ 15,000 $ 48,000

Mortgage Loan Application Detail Totals for Fulton Bank, National Association in 2009

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 6,536 $1,312,205,000 $200,000 $2,000,000 $93,000 $2,933,000
Home Purchase 3,978 $722,933,000 $181,000 $3,230,000 $80,000 $6,628,000
Home Improvement 1,240 $161,081,000 $129,000 $1,500,000 $84,000 $968,000

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 8,988 $1,657,419,000 $184,000 $1,500,000 $90,000 $6,628,000
Not Provided 1,584 $319,032,000 $201,000 $3,230,000 $92,000 $1,236,000
Black or African American 593 $117,922,000 $198,000 $1,500,000 $66,000 $729,000
Hispanic 296 $37,214,000 $125,000 $640,000 $54,000 $410,000
Asian 198 $43,939,000 $221,000 $730,000 $96,000 $710,000
Not applicable 61 $11,756,000 $192,000 $725,000 $0 $0
American Indian or Alaskan Native 17 $3,893,000 $229,000 $626,000 $104,000 $422,000
Native Hawaiian or Other Pacific Islander 17 $5,044,000 $296,000 $1,250,000 $81,000 $227,000

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) 9,211 $1,716,665,000 $186,000 $3,230,000 $96,000 $6,628,000
FHA-insured (Federal Housing Administration) 1,825 $319,075,000 $174,000 $570,000 $56,000 $767,000
VA-guaranteed (Veterans Administration) 611 $148,597,000 $243,000 $713,000 $56,000 $261,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 107 $11,882,000 $111,000 $242,000 $40,000 $85,000

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 8,878 $1,650,795,000 $185,000 $1,500,000 $91,000 $6,628,000
Application Withdrawn By Applicant 1,333 $291,836,000 $218,000 $2,000,000 $86,000 $1,000,000
Application Denied By Financial Institution 903 $148,777,000 $164,000 $1,493,000 $68,000 $762,000
Preapproval Denied by Financial Institution 407 $60,995,000 $149,000 $3,230,000 $52,000 $1,236,000
Application Approved But Not Accepted 229 $43,121,000 $188,000 $540,000 $103,000 $1,968,000
File Closed For Incompleteness 2 $198,000 $99,000 $158,000 $58,000 $83,000
Loan Purchased By The Institution 2 $497,000 $248,000 $417,000 $0 $0
Preapproval Approved but not Accepted 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
Credit History 550 $69,376,000 $126,000 $1,350,000 $54,000 $762,000
Debt-To-Income Ratio 352 $58,993,000 $167,000 $1,493,000 $45,000 $241,000
Collateral 230 $46,764,000 $203,000 $765,000 $95,000 $759,000
Other 75 $10,322,000 $137,000 $560,000 $85,000 $300,000
Credit Application Incomplete 44 $10,025,000 $227,000 $800,000 $93,000 $365,000
Employment History 21 $6,853,000 $326,000 $3,230,000 $102,000 $1,236,000
Unverifiable Information 20 $3,527,000 $176,000 $417,000 $70,000 $190,000
Insufficient Cash (Downpayment, Closing Cost) 13 $3,185,000 $245,000 $730,000 $75,000 $260,000
Mortgage Insurance Denied 5 $727,000 $145,000 $175,000 $70,000 $153,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Fulton Bank, National Association's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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