Fulton Bank, National Association Mortgage Lending & HMDA Data, 2011

In 2011, Fulton Bank, National Association of Lancaster, PA reported 7,927 mortgage applications totaling $1.6 billion, down 4% from 2010. The average application was for $198,245, and applicants reported an average income of $100,757. 68% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lancaster, PA (1,597), Virginia Beach-Norfolk-Newport News, VA-NC (893) and Reading, PA (752) (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 7,927
Total Mortgage Loan Application Amount $1,571,489,000
Average Mortgage Loan Application Amount $198,245
Highest Mortgage Loan Application Amount $8,000,000
Average Applicant Income $100,757
Highest Applicant Income $3,120,000

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Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lancaster, Pennsylvania 1,597 $ 268,725,000 $ 168,268 $ 87,000
Berks, Pennsylvania 752 $ 123,009,000 $ 163,575 $ 83,000
York, Pennsylvania 578 $ 95,802,000 $ 165,747 $ 100,000
Lebanon, Pennsylvania 480 $ 75,232,000 $ 156,733 $ 87,000
Dauphin, Pennsylvania 366 $ 62,273,000 $ 170,144 $ 104,000
Cumberland, Pennsylvania 315 $ 62,759,000 $ 199,234 $ 100,000
Chester, Pennsylvania 239 $ 59,361,000 $ 248,372 $ 132,000
Virginia Beach, Virginia 200 $ 60,536,000 $ 302,680 $ 122,000
Schuylkill, Pennsylvania 198 $ 22,786,000 $ 115,080 $ 59,000
Sussex, Delaware 181 $ 49,105,000 $ 271,298 $ 146,000
Bucks, Pennsylvania 132 $ 38,586,000 $ 292,318 $ 135,000
Chesterfield, Virginia 116 $ 30,431,000 $ 262,336 $ 129,000
Newport News, Virginia 114 $ 21,481,000 $ 188,429 $ 97,000
Henrico, Virginia 111 $ 25,102,000 $ 226,144 $ 145,000
Richmond City, Virginia 107 $ 26,291,000 $ 245,710 $ 139,000
Chesapeake, Virginia 103 $ 23,544,000 $ 228,582 $ 86,000
Montgomery, Pennsylvania 93 $ 20,995,000 $ 225,752 $ 117,000
Albemarle, Virginia 89 $ 26,133,000 $ 293,629 $ 173,000
Hampton, Virginia 87 $ 14,135,000 $ 162,471 $ 76,000
New Castle, Delaware 80 $ 21,565,000 $ 269,562 $ 132,000
James City, Virginia 79 $ 20,497,000 $ 259,455 $ 110,000
Centre, Pennsylvania 64 $ 13,213,000 $ 206,453 $ 158,000
York, Virginia 63 $ 16,306,000 $ 258,825 $ 90,000
Norfolk, Virginia 59 $ 10,797,000 $ 183,000 $ 77,000
Hanover, Virginia 53 $ 14,059,000 $ 265,264 $ 169,000
Northumberland, Pennsylvania 52 $ 5,432,000 $ 104,461 $ 53,000
Suffolk, Virginia 51 $ 11,354,000 $ 222,627 $ 83,000
Gloucester, Virginia 50 $ 9,906,000 $ 198,120 $ 71,000
Delaware, Pennsylvania 49 $ 11,032,000 $ 225,142 $ 126,000
Fairfax, Virginia 43 $ 29,147,000 $ 677,837 $ 213,000
Northampton, Pennsylvania 42 $ 8,256,000 $ 196,571 $ 80,000
Baltimore, Maryland 40 $ 7,861,000 $ 196,525 $ 67,000
Adams, Pennsylvania 40 $ 6,588,000 $ 164,700 $ 76,000
Portsmouth, Virginia 37 $ 3,974,000 $ 107,405 $ 66,000
Charlottesville, Virginia 33 $ 6,988,000 $ 211,757 $ 107,000
Lehigh, Pennsylvania 31 $ 4,975,000 $ 160,483 $ 61,000
Louisa, Virginia 31 $ 8,004,000 $ 258,193 $ 129,000
Gloucester, New Jersey 28 $ 4,052,000 $ 144,714 $ 76,000
Washington, Maryland 25 $ 4,326,000 $ 173,040 $ 57,000
Harford, Maryland 23 $ 4,322,000 $ 187,913 $ 57,000
Cecil, Maryland 22 $ 3,926,000 $ 178,454 $ 65,000
Columbia, Pennsylvania 22 $ 2,728,000 $ 124,000 $ 57,000
Perry, Pennsylvania 19 $ 2,975,000 $ 156,578 $ 94,000
Fluvanna, Virginia 18 $ 3,475,000 $ 193,055 $ 102,000
Greene, Virginia 18 $ 3,820,000 $ 212,222 $ 63,000
Atlantic, New Jersey 17 $ 5,756,000 $ 338,588 $ 224,000
Goochland, Virginia 17 $ 5,339,000 $ 314,058 $ 129,000
Howard, Maryland 16 $ 5,501,000 $ 343,812 $ 116,000
Lycoming, Pennsylvania 16 $ 2,288,000 $ 143,000 $ 102,000
Philadelphia, Pennsylvania 16 $ 3,699,000 $ 231,187 $ 112,000
Poquoson, Virginia 16 $ 4,866,000 $ 304,125 $ 115,000
Montgomery, Maryland 15 $ 12,352,000 $ 823,466 $ 329,000
Cape May, New Jersey 15 $ 6,176,000 $ 411,733 $ 331,000
Snyder, Pennsylvania 15 $ 1,888,000 $ 125,866 $ 57,000
Isle of Wight, Virginia 15 $ 4,453,000 $ 296,866 $ 119,000
Warren, New Jersey 14 $ 2,779,000 $ 198,500 $ 63,000
Franklin, Pennsylvania 13 $ 3,184,000 $ 244,923 $ 109,000
Montour, Pennsylvania 13 $ 1,594,000 $ 122,615 $ 44,000
Loudoun, Virginia 13 $ 6,395,000 $ 491,923 $ 152,000
Baltimore City, Maryland 12 $ 1,769,000 $ 147,416 $ 48,000
New Kent, Virginia 12 $ 2,983,000 $ 248,583 $ 101,000
Kent, Delaware 11 $ 2,181,000 $ 198,272 $ 131,000
Anne Arundel, Maryland 11 $ 3,343,000 $ 303,909 $ 145,000
Camden, New Jersey 11 $ 1,759,000 $ 159,909 $ 62,000
Union, Pennsylvania 11 $ 1,588,000 $ 144,363 $ 103,000
Frederick, Maryland 10 $ 2,213,000 $ 221,300 $ 93,000
Salem, New Jersey 10 $ 1,863,000 $ 186,300 $ 76,000
Worcester, Maryland 9 $ 2,101,000 $ 233,444 $ 185,000
Burlington, New Jersey 9 $ 1,668,000 $ 185,333 $ 83,000
Monroe, Pennsylvania 9 $ 1,678,000 $ 186,444 $ 145,000
Arlington, Virginia 9 $ 8,726,000 $ 969,555 $ 597,000
Currituck, North Carolina 8 $ 2,156,000 $ 269,500 $ 121,000
Dare, North Carolina 8 $ 2,112,000 $ 264,000 $ 229,000
Juniata, Pennsylvania 8 $ 1,355,000 $ 169,375 $ 65,000
Middlesex, Virginia 8 $ 2,305,000 $ 288,125 $ 130,000
Powhatan, Virginia 8 $ 2,482,000 $ 310,250 $ 130,000
Spotsylvania, Virginia 8 $ 2,772,000 $ 346,500 $ 188,000
King William, Virginia 7 $ 1,261,000 $ 180,142 $ 81,000
Williamsburg, Virginia 7 $ 1,762,000 $ 251,714 $ 47,000
Prince George's, Maryland 6 $ 1,530,000 $ 255,000 $ 68,000
Lancaster, Virginia 6 $ 1,877,000 $ 312,833 $ 161,000
Nelson, Virginia 6 $ 1,819,000 $ 303,166 $ 207,000
District of Columbia, District Of Columbia 5 $ 2,928,000 $ 585,600 $ 215,000
Carroll, Maryland 5 $ 1,343,000 $ 268,600 $ 81,000
Middlesex, New Jersey 5 $ 1,105,000 $ 221,000 $ 70,000
Luzerne, Pennsylvania 5 $ 1,207,000 $ 241,400 $ 117,000
Alexandria, Virginia 5 $ 2,930,000 $ 586,000 $ 174,000
Northampton, Virginia 5 $ 1,492,000 $ 298,400 $ 116,000
Prince William, Virginia 5 $ 1,702,000 $ 340,400 $ 154,000
Hunterdon, New Jersey 4 $ 1,017,000 $ 254,250 $ 114,000
Monmouth, New Jersey 4 $ 962,000 $ 240,500 $ 159,000
Morris, New Jersey 4 $ 1,070,000 $ 267,500 $ 72,000
Ocean, New Jersey 4 $ 1,420,000 $ 355,000 $ 234,000
Somerset, New Jersey 4 $ 1,765,000 $ 441,250 $ 689,000
Carbon, Pennsylvania 4 $ 658,000 $ 164,500 $ 54,000
King and Queen, Virginia 4 $ 1,940,000 $ 485,000 $ 262,000
Petersburg, Virginia 4 $ 501,000 $ 125,250 $ 72,000
Calvert, Maryland 3 $ 719,000 $ 239,666 $ 645,000
Clinton, Pennsylvania 3 $ 287,000 $ 95,666 $ 68,000
Huntingdon, Pennsylvania 3 $ 262,000 $ 87,333 $ 91,000
Wayne, Pennsylvania 3 $ 1,410,000 $ 470,000 $ 234,000
Augusta, Virginia 3 $ 939,000 $ 313,000 $ 287,000
Bedford, Virginia 3 $ 1,174,000 $ 391,333 $ 174,000
Mathews, Virginia 3 $ 559,000 $ 186,333 $ 80,000
Mecklenburg, Virginia 3 $ 2,134,000 $ 711,333 $ 253,000
Prince George, Virginia 3 $ 714,000 $ 238,000 $ 77,000
Charles, Maryland 2 $ 398,000 $ 199,000 $ 109,000
Dorchester, Maryland 2 $ 454,000 $ 227,000 $ 142,000
Wicomico, Maryland 2 $ 226,000 $ 113,000 $ 26,000
Cumberland, New Jersey 2 $ 360,000 $ 180,000 $ 56,000
Mercer, New Jersey 2 $ 714,000 $ 357,000 $ 174,000
Sussex, New Jersey 2 $ 528,000 $ 264,000 $ 109,000
Guilford, North Carolina 2 $ 426,000 $ 213,000 $ 91,000
Northampton, North Carolina 2 $ 302,000 $ 151,000 $ 72,000
Randolph, North Carolina 2 $ 249,000 $ 124,500 $ 122,000
Warren, North Carolina 2 $ 441,000 $ 220,500 $ 166,000
Fulton, Pennsylvania 2 $ 376,000 $ 188,000 $ 55,000
Mifflin, Pennsylvania 2 $ 419,000 $ 209,500 $ 132,000
Tioga, Pennsylvania 2 $ 282,000 $ 141,000 $ 63,000
Accomack, Virginia 2 $ 550,000 $ 275,000 $ 120,000
Amherst, Virginia 2 $ 419,000 $ 209,500 $ 95,000
Buckingham, Virginia 2 $ 1,041,000 $ 520,500 $ 236,000
Charles City, Virginia 2 $ 610,000 $ 305,000 $ 116,000
Colonial Heights, Virginia 2 $ 250,000 $ 125,000 $ 36,000
Dinwiddie, Virginia 2 $ 453,000 $ 226,500 $ 131,000
Harrisonburg, Virginia 2 $ 229,000 $ 114,500 $ 82,000
Northumberland, Virginia 2 $ 304,000 $ 152,000 $ 117,000
Orange, Virginia 2 $ 475,000 $ 237,500 $ 72,000
Pittsylvania, Virginia 2 $ 352,000 $ 176,000 $ 113,000
Stafford, Virginia 2 $ 508,000 $ 254,000 $ 67,000
Garrett, Maryland 1 $ 825,000 $ 825,000 $ 463,000
Kent, Maryland 1 $ 981,000 $ 981,000 $ 271,000
Queen Anne's, Maryland 1 $ 313,000 $ 313,000 $ 91,000
Bergen, New Jersey 1 $ 80,000 $ 80,000 $ 83,000
Essex, New Jersey 1 $ 197,000 $ 197,000 $ 82,000
Passaic, New Jersey 1 $ 301,000 $ 301,000 $ 103,000
Brunswick, North Carolina 1 $ 308,000 $ 308,000 $ 0
Chatham, North Carolina 1 $ 192,000 $ 192,000 $ 0
Chowan, North Carolina 1 $ 315,000 $ 315,000 $ 172,000
Gates, North Carolina 1 $ 175,000 $ 175,000 $ 49,000
Pasquotank, North Carolina 1 $ 67,000 $ 67,000 $ 189,000
Blair, Pennsylvania 1 $ 1,131,000 $ 1,131,000 $ 0
Pike, Pennsylvania 1 $ 116,000 $ 116,000 $ 29,000
Susquehanna, Pennsylvania 1 $ 350,000 $ 350,000 $ 174,000
Jackson, Tennessee 1 $ 8,000 $ 8,000 $ 49,000
Appomattox, Virginia 1 $ 231,000 $ 231,000 $ 94,000
Caroline, Virginia 1 $ 90,000 $ 90,000 $ 49,000
Essex, Virginia 1 $ 199,000 $ 199,000 $ 62,000
Fauquier, Virginia 1 $ 1,313,000 $ 1,313,000 $ 450,000
Franklin, Virginia 1 $ 352,000 $ 352,000 $ 351,000
Fredericksburg, Virginia 1 $ 218,000 $ 218,000 $ 32,000
Hopewell, Virginia 1 $ 58,000 $ 58,000 $ 18,000
Montgomery, Virginia 1 $ 100,000 $ 100,000 $ 242,000
Page, Virginia 1 $ 118,000 $ 118,000 $ 17,000
Roanoke, Virginia 1 $ 178,000 $ 178,000 $ 94,000
Rockbridge, Virginia 1 $ 450,000 $ 450,000 $ 76,000
Rockingham, Virginia 1 $ 153,000 $ 153,000 $ 100,000
Surry, Virginia 1 $ 100,000 $ 100,000 $ 18,000
Tazewell, Virginia 1 $ 54,000 $ 54,000 $ 35,000
Waynesboro, Virginia 1 $ 142,000 $ 142,000 $ 48,000
Berkeley, West Virginia 1 $ 130,000 $ 130,000 $ 59,000

Mortgage Loan Application Detail Totals for Fulton Bank, National Association 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
Home Purchase 4,055 $777,918,000 $191,000 $8,000,000 $91,000 $2,079,000
Refinancing 3,411 $723,389,000 $212,000 $2,613,000 $113,000 $3,120,000
Home Improvement 461 $70,182,000 $152,000 $4,000,000 $96,000 $2,591,000

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 6,071 $1,152,968,000 $189,000 $4,000,000 $102,000 $3,120,000
Not Provided 1,245 $285,886,000 $229,000 $2,880,000 $110,000 $2,207,000
Black or African American 221 $41,878,000 $189,000 $2,613,000 $74,000 $645,000
Hispanic 189 $25,824,000 $136,000 $1,360,000 $57,000 $562,000
Asian 116 $28,103,000 $242,000 $1,500,000 $113,000 $444,000
Not applicable 62 $32,160,000 $518,000 $8,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 15 $3,917,000 $261,000 $1,200,000 $110,000 $253,000
American Indian or Alaskan Native 8 $753,000 $94,000 $212,000 $118,000 $314,000

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) 5,896 $1,232,862,000 $209,000 $8,000,000 $114,000 $2,591,000
FHA-insured (Federal Housing Administration) 1,562 $243,834,000 $156,000 $737,000 $61,000 $3,120,000
VA-guaranteed (Veterans Administration) 309 $73,304,000 $237,000 $711,000 $68,000 $309,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 160 $21,489,000 $134,000 $321,000 $46,000 $88,000

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 5,376 $1,089,344,000 $202,000 $8,000,000 $105,000 $2,079,000
Application Denied By Financial Institution 1,051 $198,739,000 $189,000 $1,458,000 $93,000 $3,120,000
Application Withdrawn By Applicant 744 $157,766,000 $212,000 $2,295,000 $100,000 $2,207,000
Preapproval Denied by Financial Institution 408 $56,167,000 $137,000 $1,400,000 $60,000 $1,843,000
Application Approved But Not Accepted 272 $53,016,000 $194,000 $1,200,000 $104,000 $652,000
File Closed For Incompleteness 65 $14,139,000 $217,000 $1,350,000 $94,000 $355,000
Loan Purchased By The Institution 11 $2,318,000 $210,000 $412,000 $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 Application Incomplete 449 $92,587,000 $206,000 $1,087,000 $113,000 $3,120,000
Debt-To-Income Ratio 370 $60,147,000 $162,000 $1,458,000 $52,000 $488,000
Credit History 363 $44,955,000 $123,000 $634,000 $74,000 $2,591,000
Collateral 172 $36,674,000 $213,000 $852,000 $95,000 $420,000
Other 54 $12,516,000 $231,000 $1,400,000 $113,000 $710,000
Employment History 24 $3,284,000 $136,000 $288,000 $41,000 $108,000
Unverifiable Information 13 $2,169,000 $166,000 $417,000 $88,000 $259,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,028,000 $169,000 $417,000 $71,000 $166,000
Mortgage Insurance Denied 2 $546,000 $273,000 $398,000 $165,000 $253,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2011 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.

Download the Pennsylvania Lender List