Fulton Bank, National Association Mortgage Lending & HMDA Data, 2010
In 2010, Fulton Bank, National Association of Lancaster, PA reported 8,257 mortgage applications totaling $1.6 billion, down 30% from 2009. The average application was for $191,903, and applicants reported an average income of $98,831. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lancaster, PA (1,962), Virginia Beach-Norfolk-Newport News, VA-NC (1,101) and Reading, PA (821) (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 | 8,257 |
| Total Mortgage Loan Application Amount | $1,584,546,000 |
| Average Mortgage Loan Application Amount | $191,903 |
| Highest Mortgage Loan Application Amount | $2,015,000 |
| Average Applicant Income | $98,831 |
| Highest Applicant Income | $4,021,000 |
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Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster, Pennsylvania | 1,962 | $ 319,351,000 | $ 162,768 | $ 90,000 |
| Berks, Pennsylvania | 821 | $ 123,378,000 | $ 150,277 | $ 82,000 |
| York, Pennsylvania | 740 | $ 126,454,000 | $ 170,883 | $ 89,000 |
| Lebanon, Pennsylvania | 502 | $ 72,711,000 | $ 144,842 | $ 74,000 |
| Dauphin, Pennsylvania | 343 | $ 55,386,000 | $ 161,475 | $ 97,000 |
| Virginia Beach, Virginia | 310 | $ 80,811,000 | $ 260,680 | $ 138,000 |
| Cumberland, Pennsylvania | 304 | $ 57,358,000 | $ 188,677 | $ 105,000 |
| Chester, Pennsylvania | 237 | $ 55,230,000 | $ 233,037 | $ 108,000 |
| Sussex, Delaware | 187 | $ 42,534,000 | $ 227,454 | $ 131,000 |
| Newport News, Virginia | 169 | $ 31,142,000 | $ 184,272 | $ 84,000 |
| Henrico, Virginia | 151 | $ 35,788,000 | $ 237,006 | $ 131,000 |
| Chesterfield, Virginia | 140 | $ 33,848,000 | $ 241,771 | $ 103,000 |
| Richmond City, Virginia | 138 | $ 33,287,000 | $ 241,210 | $ 162,000 |
| Schuylkill, Pennsylvania | 127 | $ 15,808,000 | $ 124,472 | $ 71,000 |
| Chesapeake, Virginia | 111 | $ 27,772,000 | $ 250,198 | $ 76,000 |
| Bucks, Pennsylvania | 107 | $ 29,970,000 | $ 280,093 | $ 152,000 |
| York, Virginia | 100 | $ 25,964,000 | $ 259,640 | $ 90,000 |
| New Castle, Delaware | 98 | $ 25,291,000 | $ 258,071 | $ 121,000 |
| Hampton, Virginia | 90 | $ 14,234,000 | $ 158,155 | $ 80,000 |
| Norfolk, Virginia | 89 | $ 18,245,000 | $ 205,000 | $ 86,000 |
| Montgomery, Pennsylvania | 87 | $ 19,900,000 | $ 228,735 | $ 115,000 |
| James City, Virginia | 83 | $ 20,835,000 | $ 251,024 | $ 94,000 |
| Centre, Pennsylvania | 79 | $ 15,173,000 | $ 192,063 | $ 116,000 |
| Albemarle, Virginia | 73 | $ 18,750,000 | $ 256,849 | $ 105,000 |
| Hanover, Virginia | 65 | $ 16,711,000 | $ 257,092 | $ 92,000 |
| Gloucester, Virginia | 52 | $ 10,579,000 | $ 203,442 | $ 72,000 |
| Northumberland, Pennsylvania | 47 | $ 4,561,000 | $ 97,042 | $ 49,000 |
| Adams, Pennsylvania | 40 | $ 7,257,000 | $ 181,425 | $ 69,000 |
| Delaware, Pennsylvania | 39 | $ 8,989,000 | $ 230,487 | $ 116,000 |
| Perry, Pennsylvania | 31 | $ 6,014,000 | $ 194,000 | $ 116,000 |
| Fairfax, Virginia | 30 | $ 18,772,000 | $ 625,733 | $ 199,000 |
| Philadelphia, Pennsylvania | 27 | $ 6,636,000 | $ 245,777 | $ 162,000 |
| Lehigh, Pennsylvania | 23 | $ 4,318,000 | $ 187,739 | $ 89,000 |
| Portsmouth, Virginia | 23 | $ 4,034,000 | $ 175,391 | $ 83,000 |
| Isle of Wight, Virginia | 22 | $ 5,907,000 | $ 268,500 | $ 104,000 |
| Charlottesville, Virginia | 20 | $ 5,290,000 | $ 264,500 | $ 196,000 |
| Poquoson, Virginia | 20 | $ 5,750,000 | $ 287,500 | $ 103,000 |
| Cape May, New Jersey | 19 | $ 9,317,000 | $ 490,368 | $ 392,000 |
| Greene, Virginia | 19 | $ 4,371,000 | $ 230,052 | $ 101,000 |
| Goochland, Virginia | 16 | $ 8,412,000 | $ 525,750 | $ 515,000 |
| Columbia, Pennsylvania | 15 | $ 1,779,000 | $ 118,600 | $ 60,000 |
| Cecil, Maryland | 14 | $ 3,058,000 | $ 218,428 | $ 78,000 |
| Northampton, Pennsylvania | 14 | $ 2,355,000 | $ 168,214 | $ 60,000 |
| Suffolk, Virginia | 14 | $ 3,570,000 | $ 255,000 | $ 83,000 |
| Montgomery, Maryland | 13 | $ 15,277,000 | $ 1,175,153 | $ 575,000 |
| Arlington, Virginia | 13 | $ 8,637,000 | $ 664,384 | $ 283,000 |
| New Kent, Virginia | 13 | $ 3,226,000 | $ 248,153 | $ 110,000 |
| Mifflin, Pennsylvania | 12 | $ 1,324,000 | $ 110,333 | $ 64,000 |
| Loudoun, Virginia | 12 | $ 5,496,000 | $ 458,000 | $ 150,000 |
| Middlesex, Virginia | 12 | $ 2,256,000 | $ 188,000 | $ 205,000 |
| Louisa, Virginia | 10 | $ 2,434,000 | $ 243,400 | $ 106,000 |
| Baltimore, Maryland | 9 | $ 2,379,000 | $ 264,333 | $ 122,000 |
| Juniata, Pennsylvania | 9 | $ 1,769,000 | $ 196,555 | $ 106,000 |
| Montour, Pennsylvania | 9 | $ 1,357,000 | $ 150,777 | $ 56,000 |
| Snyder, Pennsylvania | 9 | $ 1,117,000 | $ 124,111 | $ 51,000 |
| Hopewell, Virginia | 9 | $ 1,921,000 | $ 213,444 | $ 67,000 |
| Nelson, Virginia | 9 | $ 3,301,000 | $ 366,777 | $ 210,000 |
| Kent, Delaware | 8 | $ 1,058,000 | $ 132,250 | $ 41,000 |
| Prince William, Virginia | 8 | $ 3,312,000 | $ 414,000 | $ 241,000 |
| Harford, Maryland | 7 | $ 1,651,000 | $ 235,857 | $ 61,000 |
| Currituck, North Carolina | 7 | $ 2,838,000 | $ 405,428 | $ 164,000 |
| Dare, North Carolina | 7 | $ 1,904,000 | $ 272,000 | $ 175,000 |
| Luzerne, Pennsylvania | 7 | $ 1,149,000 | $ 164,142 | $ 108,000 |
| Lycoming, Pennsylvania | 7 | $ 1,057,000 | $ 151,000 | $ 79,000 |
| Alexandria, Virginia | 7 | $ 4,417,000 | $ 631,000 | $ 261,000 |
| Powhatan, Virginia | 7 | $ 1,912,000 | $ 273,142 | $ 122,000 |
| District of Columbia, District Of Columbia | 6 | $ 4,028,000 | $ 671,333 | $ 388,000 |
| Prince George's, Maryland | 6 | $ 2,276,000 | $ 379,333 | $ 128,000 |
| Fluvanna, Virginia | 6 | $ 1,431,000 | $ 238,500 | $ 87,000 |
| King William, Virginia | 6 | $ 693,000 | $ 115,500 | $ 32,000 |
| Lancaster, Virginia | 6 | $ 2,371,000 | $ 395,166 | $ 158,000 |
| Williamsburg, Virginia | 6 | $ 2,457,000 | $ 409,500 | $ 136,000 |
| Howard, Maryland | 5 | $ 1,229,000 | $ 245,800 | $ 95,000 |
| Worcester, Maryland | 5 | $ 1,238,000 | $ 247,600 | $ 228,000 |
| Atlantic, New Jersey | 5 | $ 1,277,000 | $ 255,400 | $ 209,000 |
| Gloucester, New Jersey | 5 | $ 950,000 | $ 190,000 | $ 80,000 |
| Franklin, Pennsylvania | 5 | $ 868,000 | $ 173,600 | $ 107,000 |
| Anne Arundel, Maryland | 4 | $ 1,389,000 | $ 347,250 | $ 128,000 |
| Baltimore City, Maryland | 4 | $ 734,000 | $ 183,500 | $ 78,000 |
| Washington, Maryland | 4 | $ 902,000 | $ 225,500 | $ 69,000 |
| Ocean, New Jersey | 4 | $ 1,360,000 | $ 340,000 | $ 262,000 |
| Clearfield, Pennsylvania | 4 | $ 342,000 | $ 85,500 | $ 49,000 |
| Union, Pennsylvania | 4 | $ 722,000 | $ 180,500 | $ 75,000 |
| Northampton, Virginia | 4 | $ 748,000 | $ 187,000 | $ 158,000 |
| Petersburg, Virginia | 4 | $ 372,000 | $ 93,000 | $ 53,000 |
| Spotsylvania, Virginia | 4 | $ 1,260,000 | $ 315,000 | $ 193,000 |
| Surry, Virginia | 4 | $ 456,000 | $ 114,000 | $ 69,000 |
| Wicomico, Maryland | 3 | $ 261,000 | $ 87,000 | $ 29,000 |
| Hunterdon, New Jersey | 3 | $ 860,000 | $ 286,666 | $ 131,000 |
| Wake, North Carolina | 3 | $ 788,000 | $ 262,666 | $ 250,000 |
| Carbon, Pennsylvania | 3 | $ 451,000 | $ 150,333 | $ 149,000 |
| Clinton, Pennsylvania | 3 | $ 317,000 | $ 105,666 | $ 17,000 |
| Huntingdon, Pennsylvania | 3 | $ 324,000 | $ 108,000 | $ 163,000 |
| Potter, Pennsylvania | 3 | $ 560,000 | $ 186,666 | $ 120,000 |
| Campbell, Virginia | 3 | $ 595,000 | $ 198,333 | $ 89,000 |
| Prince George, Virginia | 3 | $ 760,000 | $ 253,333 | $ 109,000 |
| Stafford, Virginia | 3 | $ 579,000 | $ 193,000 | $ 81,000 |
| Kent, Maryland | 2 | $ 135,000 | $ 67,500 | $ 84,000 |
| Talbot, Maryland | 2 | $ 640,000 | $ 320,000 | $ 385,000 |
| Northampton, North Carolina | 2 | $ 292,000 | $ 146,000 | $ 251,000 |
| Randolph, North Carolina | 2 | $ 134,000 | $ 67,000 | $ 162,000 |
| Susquehanna, Pennsylvania | 2 | $ 354,000 | $ 177,000 | $ 203,000 |
| Warren, Pennsylvania | 2 | $ 297,000 | $ 148,500 | $ 63,000 |
| Augusta, Virginia | 2 | $ 437,000 | $ 218,500 | $ 450,000 |
| Caroline, Virginia | 2 | $ 338,000 | $ 169,000 | $ 83,000 |
| Charles City, Virginia | 2 | $ 253,000 | $ 126,500 | $ 29,000 |
| Dinwiddie, Virginia | 2 | $ 473,000 | $ 236,500 | $ 53,000 |
| Essex, Virginia | 2 | $ 546,000 | $ 273,000 | $ 132,000 |
| King and Queen, Virginia | 2 | $ 342,000 | $ 171,000 | $ 63,000 |
| Manassas, Virginia | 2 | $ 467,000 | $ 233,500 | $ 170,000 |
| Northumberland, Virginia | 2 | $ 445,000 | $ 222,500 | $ 131,000 |
| Southampton, Virginia | 2 | $ 268,000 | $ 134,000 | $ 42,000 |
| Sussex, Virginia | 2 | $ 135,000 | $ 67,500 | $ 40,000 |
| Westmoreland, Virginia | 2 | $ 548,000 | $ 274,000 | $ 150,000 |
| Dale, Alabama | 1 | $ 1,000 | $ 1,000 | $ 28,000 |
| Lee, Florida | 1 | $ 94,000 | $ 94,000 | $ 236,000 |
| Frederick, Maryland | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Burlington, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
| Camden, New Jersey | 1 | $ 382,000 | $ 382,000 | $ 170,000 |
| Mercer, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 26,000 |
| Passaic, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 163,000 |
| Somerset, New Jersey | 1 | $ 837,000 | $ 837,000 | $ 1,245,000 |
| Sussex, New Jersey | 1 | $ 211,000 | $ 211,000 | $ 62,000 |
| Brunswick, North Carolina | 1 | $ 251,000 | $ 251,000 | $ 103,000 |
| Gates, North Carolina | 1 | $ 289,000 | $ 289,000 | $ 83,000 |
| Johnston, North Carolina | 1 | $ 78,000 | $ 78,000 | $ 126,000 |
| Pasquotank, North Carolina | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Warren, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 174,000 |
| Allegheny, Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Armstrong, Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 90,000 |
| Bedford, Pennsylvania | 1 | $ 610,000 | $ 610,000 | $ 44,000 |
| Blair, Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 78,000 |
| Cambria, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 93,000 |
| Monroe, Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
| Pike, Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 219,000 |
| Sullivan, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 139,000 |
| Tioga, Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 284,000 |
| Wayne, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| York, South Carolina | 1 | $ 134,000 | $ 134,000 | $ 43,000 |
| Accomack, Virginia | 1 | $ 211,000 | $ 211,000 | $ 246,000 |
| Amelia, Virginia | 1 | $ 241,000 | $ 241,000 | $ 74,000 |
| Appomattox, Virginia | 1 | $ 192,000 | $ 192,000 | $ 68,000 |
| Colonial Heights, Virginia | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Culpeper, Virginia | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Cumberland, Virginia | 1 | $ 340,000 | $ 340,000 | $ 107,000 |
| Falls Church, Virginia | 1 | $ 333,000 | $ 333,000 | $ 56,000 |
| Fauquier, Virginia | 1 | $ 208,000 | $ 208,000 | $ 137,000 |
| Frederick, Virginia | 1 | $ 257,000 | $ 257,000 | $ 121,000 |
| Giles, Virginia | 1 | $ 98,000 | $ 98,000 | $ 225,000 |
| Mathews, Virginia | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Montgomery, Virginia | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Staunton, Virginia | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| Berkeley, West Virginia | 1 | $ 96,000 | $ 96,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Fulton Bank, National Association in 2010
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 | 3,881 | $767,766,000 | $197,000 | $1,597,000 | $108,000 | $3,010,000 |
| Home Purchase | 3,744 | $732,946,000 | $195,000 | $2,015,000 | $92,000 | $4,021,000 |
| Home Improvement | 632 | $83,834,000 | $132,000 | $779,000 | $83,000 | $734,000 |
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 | 6,726 | $1,275,839,000 | $189,000 | $2,015,000 | $100,000 | $4,021,000 |
| Not Provided | 916 | $196,742,000 | $214,000 | $1,500,000 | $111,000 | $1,735,000 |
| Black or African American | 225 | $40,783,000 | $181,000 | $660,000 | $69,000 | $409,000 |
| Hispanic | 197 | $25,798,000 | $130,000 | $1,270,000 | $56,000 | $503,000 |
| Asian | 109 | $26,101,000 | $239,000 | $1,800,000 | $111,000 | $551,000 |
| Not applicable | 58 | $14,633,000 | $252,000 | $1,775,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $2,385,000 | $149,000 | $536,000 | $91,000 | $435,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,265,000 | $226,000 | $416,000 | $121,000 | $371,000 |
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) | 6,377 | $1,249,302,000 | $195,000 | $2,015,000 | $111,000 | $4,021,000 |
| FHA-insured (Federal Housing Administration) | 1,419 | $231,379,000 | $163,000 | $548,000 | $57,000 | $870,000 |
| VA-guaranteed (Veterans Administration) | 391 | $94,676,000 | $242,000 | $660,000 | $67,000 | $343,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $9,189,000 | $131,000 | $247,000 | $42,000 | $75,000 |
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 | 6,479 | $1,252,508,000 | $193,000 | $1,988,000 | $102,000 | $4,021,000 |
| Application Withdrawn By Applicant | 692 | $156,260,000 | $225,000 | $2,015,000 | $112,000 | $1,560,000 |
| Application Denied By Financial Institution | 643 | $110,636,000 | $172,000 | $1,210,000 | $80,000 | $806,000 |
| Preapproval Denied by Financial Institution | 251 | $30,994,000 | $123,000 | $360,000 | $46,000 | $300,000 |
| Application Approved But Not Accepted | 186 | $32,847,000 | $176,000 | $1,500,000 | $87,000 | $1,358,000 |
| Loan Purchased By The Institution | 5 | $1,251,000 | $250,000 | $344,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $102,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 290 | $45,905,000 | $158,000 | $740,000 | $49,000 | $424,000 |
| Credit History | 282 | $31,203,000 | $110,000 | $415,000 | $56,000 | $540,000 |
| Collateral | 206 | $44,162,000 | $214,000 | $1,210,000 | $107,000 | $806,000 |
| Other | 58 | $9,226,000 | $159,000 | $748,000 | $82,000 | $567,000 |
| Credit Application Incomplete | 34 | $7,152,000 | $210,000 | $517,000 | $118,000 | $495,000 |
| Unverifiable Information | 12 | $2,566,000 | $213,000 | $417,000 | $89,000 | $198,000 |
| Employment History | 9 | $934,000 | $103,000 | $189,000 | $33,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $482,000 | $160,000 | $279,000 | $181,000 | $404,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2010 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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