Fulton Bank, National Association 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Fulton Bank, National Association One Penn Square Lancaster, PA 17604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 10,228 |
| Total Mortgage Loan Application Amount | $2,060,269,000 |
| Average Mortgage Loan Application Amount | $189,000 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $3,150,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Fulton Bank, National Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Fulton Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Fulton Bank, National Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Fulton Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Fulton Bank, National Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Fulton Bank, National Association's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Pennsylvania | 2,290 | $ 390,694,000 | $ 170,000 | $ 90,000 |
| Berks County Pennsylvania | 1,010 | $ 175,979,000 | $ 174,000 | $ 92,000 |
| York County Pennsylvania | 871 | $ 147,196,000 | $ 168,000 | $ 93,000 |
| Lebanon County Pennsylvania | 575 | $ 89,344,000 | $ 155,000 | $ 91,000 |
| Dauphin County Pennsylvania | 514 | $ 98,008,000 | $ 190,000 | $ 104,000 |
| Cumberland County Pennsylvania | 490 | $ 96,369,000 | $ 196,000 | $ 104,000 |
| Chester County Pennsylvania | 350 | $ 85,920,000 | $ 245,000 | $ 121,000 |
| Sussex County Delaware | 243 | $ 56,256,000 | $ 231,000 | $ 117,000 |
| Virginia Beach County Virginia | 242 | $ 63,026,000 | $ 260,000 | $ 131,000 |
| Bucks County Pennsylvania | 190 | $ 54,732,000 | $ 288,000 | $ 151,000 |
| James City County Virginia | 167 | $ 44,800,000 | $ 268,000 | $ 125,000 |
| Schuylkill County Pennsylvania | 155 | $ 17,639,000 | $ 113,000 | $ 64,000 |
| Henrico County Virginia | 145 | $ 37,372,000 | $ 257,000 | $ 133,000 |
| Chesapeake County Virginia | 137 | $ 32,053,000 | $ 233,000 | $ 93,000 |
| Newport News County Virginia | 132 | $ 23,670,000 | $ 179,000 | $ 92,000 |
| Montgomery County Pennsylvania | 127 | $ 31,731,000 | $ 249,000 | $ 117,000 |
| New Castle County Delaware | 120 | $ 29,264,000 | $ 243,000 | $ 133,000 |
| Albemarle County Virginia | 119 | $ 34,941,000 | $ 293,000 | $ 145,000 |
| Chesterfield County Virginia | 106 | $ 25,011,000 | $ 235,000 | $ 123,000 |
| Centre County Pennsylvania | 101 | $ 18,951,000 | $ 187,000 | $ 98,000 |
| York County Virginia | 99 | $ 26,165,000 | $ 264,000 | $ 100,000 |
| Richmond City County Virginia | 98 | $ 28,762,000 | $ 293,000 | $ 168,000 |
| Hampton County Virginia | 97 | $ 18,215,000 | $ 187,000 | $ 78,000 |
| Suffolk County Virginia | 74 | $ 15,937,000 | $ 215,000 | $ 100,000 |
| Adams County Pennsylvania | 70 | $ 11,701,000 | $ 167,000 | $ 72,000 |
| Delaware County Pennsylvania | 69 | $ 15,214,000 | $ 220,000 | $ 116,000 |
| Portsmouth County Virginia | 55 | $ 7,347,000 | $ 133,000 | $ 72,000 |
| Fairfax County Virginia | 54 | $ 27,164,000 | $ 503,000 | $ 308,000 |
| Harford County Maryland | 52 | $ 11,631,000 | $ 223,000 | $ 67,000 |
| Hanover County Virginia | 51 | $ 13,168,000 | $ 258,000 | $ 131,000 |
| Gloucester County Virginia | 49 | $ 10,040,000 | $ 204,000 | $ 76,000 |
| Norfolk County Virginia | 49 | $ 10,270,000 | $ 209,000 | $ 142,000 |
| Baltimore County Maryland | 46 | $ 8,864,000 | $ 192,000 | $ 56,000 |
| Northampton County Pennsylvania | 41 | $ 8,723,000 | $ 212,000 | $ 82,000 |
| Cecil County Maryland | 38 | $ 7,928,000 | $ 208,000 | $ 132,000 |
| Philadelphia County Pennsylvania | 38 | $ 10,009,000 | $ 263,000 | $ 148,000 |
| Northumberland County Pennsylvania | 37 | $ 3,533,000 | $ 95,000 | $ 47,000 |
| Charlottesville County Virginia | 35 | $ 8,558,000 | $ 244,000 | $ 139,000 |
| Louisa County Virginia | 32 | $ 9,063,000 | $ 283,000 | $ 135,000 |
| Perry County Pennsylvania | 30 | $ 4,761,000 | $ 158,000 | $ 79,000 |
| Cape May County New Jersey | 28 | $ 10,689,000 | $ 381,000 | $ 297,000 |
| Lehigh County Pennsylvania | 26 | $ 4,718,000 | $ 181,000 | $ 172,000 |
| Isle of Wight County Virginia | 25 | $ 7,256,000 | $ 290,000 | $ 129,000 |
| New Kent County Virginia | 24 | $ 6,456,000 | $ 269,000 | $ 118,000 |
| Montgomery County Maryland | 22 | $ 18,535,000 | $ 842,000 | $ 386,000 |
| Washington County Maryland | 21 | $ 3,615,000 | $ 172,000 | $ 49,000 |
| Poquoson County Virginia | 20 | $ 3,989,000 | $ 199,000 | $ 90,000 |
| Columbia County Pennsylvania | 19 | $ 2,201,000 | $ 115,000 | $ 55,000 |
| Fluvanna County Virginia | 19 | $ 4,430,000 | $ 233,000 | $ 106,000 |
| Atlantic County New Jersey | 18 | $ 6,732,000 | $ 374,000 | $ 245,000 |
| Union County Pennsylvania | 18 | $ 3,070,000 | $ 170,000 | $ 72,000 |
| Worcester County Maryland | 17 | $ 4,216,000 | $ 248,000 | $ 260,000 |
| Loudoun County Virginia | 16 | $ 6,279,000 | $ 392,000 | $ 153,000 |
| Baltimore City County Maryland | 15 | $ 2,412,000 | $ 160,000 | $ 79,000 |
| Williamsburg County Virginia | 14 | $ 4,441,000 | $ 317,000 | $ 134,000 |
| Warren County New Jersey | 13 | $ 2,687,000 | $ 206,000 | $ 82,000 |
| Middlesex County Virginia | 13 | $ 2,690,000 | $ 206,000 | $ 168,000 |
| Howard County Maryland | 12 | $ 3,522,000 | $ 293,000 | $ 80,000 |
| Montour County Pennsylvania | 12 | $ 1,586,000 | $ 132,000 | $ 58,000 |
| Arlington County Virginia | 12 | $ 9,089,000 | $ 757,000 | $ 275,000 |
| Prince William County Virginia | 12 | $ 3,810,000 | $ 317,000 | $ 170,000 |
| Spotsylvania County Virginia | 12 | $ 4,400,000 | $ 366,000 | $ 196,000 |
| Kent County Delaware | 11 | $ 2,280,000 | $ 207,000 | $ 96,000 |
| Hunterdon County New Jersey | 11 | $ 2,505,000 | $ 227,000 | $ 146,000 |
| Frederick County Maryland | 10 | $ 2,338,000 | $ 233,000 | $ 89,000 |
| Franklin County Pennsylvania | 10 | $ 2,609,000 | $ 260,000 | $ 216,000 |
| Lycoming County Pennsylvania | 10 | $ 1,487,000 | $ 148,000 | $ 93,000 |
| Alexandria County Virginia | 10 | $ 3,564,000 | $ 356,000 | $ 211,000 |
| Goochland County Virginia | 10 | $ 3,440,000 | $ 344,000 | $ 140,000 |
| Mathews County Virginia | 10 | $ 1,458,000 | $ 145,000 | $ 61,000 |
| Powhatan County Virginia | 10 | $ 3,219,000 | $ 321,000 | $ 221,000 |
| District of Columbia County District Of Columbia | 9 | $ 6,708,000 | $ 745,000 | $ 368,000 |
| Anne Arundel County Maryland | 9 | $ 3,176,000 | $ 352,000 | $ 116,000 |
| Mercer County New Jersey | 9 | $ 1,511,000 | $ 167,000 | $ 109,000 |
| Currituck County North Carolina | 9 | $ 3,688,000 | $ 409,000 | $ 270,000 |
| Clearfield County Pennsylvania | 9 | $ 1,068,000 | $ 118,000 | $ 107,000 |
| Luzerne County Pennsylvania | 9 | $ 1,357,000 | $ 150,000 | $ 56,000 |
| Carbon County Pennsylvania | 8 | $ 1,202,000 | $ 150,000 | $ 126,000 |
| Greene County Virginia | 8 | $ 1,426,000 | $ 178,000 | $ 86,000 |
| Carroll County Maryland | 7 | $ 1,615,000 | $ 230,000 | $ 65,000 |
| Sussex County New Jersey | 7 | $ 1,831,000 | $ 261,000 | $ 79,000 |
| Dare County North Carolina | 7 | $ 1,925,000 | $ 275,000 | $ 182,000 |
| Gloucester County New Jersey | 6 | $ 981,000 | $ 163,000 | $ 91,000 |
| King William County Virginia | 6 | $ 749,000 | $ 124,000 | $ 51,000 |
| Pasquotank County North Carolina | 5 | $ 818,000 | $ 163,000 | $ 111,000 |
| Randolph County North Carolina | 5 | $ 700,000 | $ 140,000 | $ 191,000 |
| Mifflin County Pennsylvania | 5 | $ 379,000 | $ 75,000 | $ 50,000 |
| Monroe County Pennsylvania | 5 | $ 995,000 | $ 199,000 | $ 309,000 |
| Snyder County Pennsylvania | 5 | $ 569,000 | $ 113,000 | $ 52,000 |
| Berkeley County West Virginia | 5 | $ 712,000 | $ 142,000 | $ 59,000 |
| Kent County Maryland | 4 | $ 1,394,000 | $ 348,000 | $ 178,000 |
| Prince George's County Maryland | 4 | $ 1,069,000 | $ 267,000 | $ 89,000 |
| Wicomico County Maryland | 4 | $ 376,000 | $ 94,000 | $ 69,000 |
| Essex County New Jersey | 4 | $ 1,323,000 | $ 330,000 | $ 132,000 |
| Middlesex County New Jersey | 4 | $ 1,197,000 | $ 299,000 | $ 90,000 |
| Morris County New Jersey | 4 | $ 1,152,000 | $ 288,000 | $ 98,000 |
| Salem County New Jersey | 4 | $ 525,000 | $ 131,000 | $ 65,000 |
| Somerset County New Jersey | 4 | $ 1,100,000 | $ 275,000 | $ 107,000 |
| Huntingdon County Pennsylvania | 4 | $ 648,000 | $ 162,000 | $ 78,000 |
| Pike County Pennsylvania | 4 | $ 525,000 | $ 131,000 | $ 97,000 |
| Falls Church County Virginia | 4 | $ 1,696,000 | $ 424,000 | $ 162,000 |
| Fauquier County Virginia | 4 | $ 2,117,000 | $ 529,000 | $ 233,000 |
| Manassas County Virginia | 4 | $ 938,000 | $ 234,000 | $ 77,000 |
| Burlington County New Jersey | 3 | $ 810,000 | $ 270,000 | $ 109,000 |
| King and Queen County Virginia | 3 | $ 463,000 | $ 154,000 | $ 51,000 |
| Lancaster County Virginia | 3 | $ 1,120,000 | $ 373,000 | $ 187,000 |
| Nelson County Virginia | 3 | $ 1,160,000 | $ 386,000 | $ 260,000 |
| Southampton County Virginia | 3 | $ 460,000 | $ 153,000 | $ 57,000 |
| Surry County Virginia | 3 | $ 474,000 | $ 158,000 | $ 42,000 |
| Charles County Maryland | 2 | $ 514,000 | $ 257,000 | $ 175,000 |
| Queen Anne's County Maryland | 2 | $ 929,000 | $ 464,000 | $ 170,000 |
| St. Mary's County Maryland | 2 | $ 497,000 | $ 248,000 | $ 77,000 |
| Camden County New Jersey | 2 | $ 283,000 | $ 141,000 | $ 86,000 |
| Allegheny County Pennsylvania | 2 | $ 338,000 | $ 169,000 | $ 69,000 |
| Clinton County Pennsylvania | 2 | $ 311,000 | $ 155,000 | $ 102,000 |
| Juniata County Pennsylvania | 2 | $ 187,000 | $ 93,000 | $ 33,000 |
| Accomack County Virginia | 2 | $ 196,000 | $ 98,000 | $ 108,000 |
| Charles City County Virginia | 2 | $ 579,000 | $ 289,000 | $ 75,000 |
| Orange County Virginia | 2 | $ 424,000 | $ 212,000 | $ 61,000 |
| Prince Edward County Virginia | 2 | $ 293,000 | $ 146,000 | $ 66,000 |
| Prince George County Virginia | 2 | $ 606,000 | $ 303,000 | $ 101,000 |
| Waynesboro County Virginia | 2 | $ 449,000 | $ 224,000 | $ 94,000 |
| Volusia County Florida | 1 | $ 336,000 | $ 336,000 | $ 177,000 |
| Caroline County Maryland | 1 | $ 108,000 | $ 108,000 | $ 52,000 |
| Dorchester County Maryland | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Garrett County Maryland | 1 | $ 1,040,000 | $ 1,040,000 | $ 488,000 |
| Somerset County Maryland | 1 | $ 73,000 | $ 73,000 | $ 29,000 |
| Bergen County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Monmouth County New Jersey | 1 | $ 601,000 | $ 601,000 | $ 175,000 |
| Ocean County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 173,000 |
| Union County New Jersey | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Camden County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Chowan County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 93,000 |
| Forsyth County North Carolina | 1 | $ 327,000 | $ 327,000 | $ 210,000 |
| Perquimans County North Carolina | 1 | $ 298,000 | $ 298,000 | $ 83,000 |
| Bedford County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Cambria County Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 330,000 |
| Amherst County Virginia | 1 | $ 294,000 | $ 294,000 | $ 84,000 |
| Appomattox County Virginia | 1 | $ 69,000 | $ 69,000 | $ 86,000 |
| Bath County Virginia | 1 | $ 127,000 | $ 127,000 | $ 194,000 |
| Colonial Heights County Virginia | 1 | $ 394,000 | $ 394,000 | $ 156,000 |
| Culpeper County Virginia | 1 | $ 78,000 | $ 78,000 | $ 331,000 |
| Dinwiddie County Virginia | 1 | $ 340,000 | $ 340,000 | $ 131,000 |
| Franklin City County Virginia | 1 | $ 350,000 | $ 350,000 | $ 290,000 |
| Harrisonburg County Virginia | 1 | $ 84,000 | $ 84,000 | $ 77,000 |
| Hopewell County Virginia | 1 | $ 244,000 | $ 244,000 | $ 118,000 |
| Madison County Virginia | 1 | $ 189,000 | $ 189,000 | $ 65,000 |
| Montgomery County Virginia | 1 | $ 156,000 | $ 156,000 | $ 51,000 |
| Northampton County Virginia | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| Northumberland County Virginia | 1 | $ 139,000 | $ 139,000 | $ 128,000 |
| Rockbridge County Virginia | 1 | $ 450,000 | $ 450,000 | $ 150,000 |
| Rockingham County Virginia | 1 | $ 231,000 | $ 231,000 | $ 174,000 |
| Salem County Virginia | 1 | $ 160,000 | $ 160,000 | $ 116,000 |
| Sussex County Virginia | 1 | $ 324,000 | $ 324,000 | $ 197,000 |
| Washington County Virginia | 1 | $ 368,000 | $ 368,000 | $ 71,000 |
| Westmoreland County Virginia | 1 | $ 385,000 | $ 385,000 | $ 266,000 |
| Jefferson County West Virginia | 1 | $ 103,000 | $ 103,000 | $ 27,000 |
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 | 5,339 | $1,098,492,000 | $205,000 | $3,939,000 | $110,000 | $2,596,000 |
| Home Purchase | 4,289 | $865,085,000 | $201,000 | $4,700,000 | $99,000 | $3,150,000 |
| Home Improvement | 600 | $96,692,000 | $161,000 | $3,825,000 | $91,000 | $648,000 |
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 | 8,225 | $1,616,517,000 | $196,000 | $2,000,000 | $104,000 | $3,150,000 |
| Not Provided | 1,410 | $313,608,000 | $222,000 | $2,880,000 | $115,000 | $1,734,000 |
| Black or African American | 190 | $34,539,000 | $181,000 | $1,000,000 | $76,000 | $483,000 |
| Hispanic | 167 | $24,085,000 | $144,000 | $992,000 | $62,000 | $408,000 |
| Asian | 159 | $38,459,000 | $241,000 | $3,060,000 | $102,000 | $643,000 |
| Not applicable | 45 | $25,529,000 | $567,000 | $4,700,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,119,000 | $242,000 | $774,000 | $126,000 | $300,000 |
| American Indian or Alaskan Native | 15 | $3,413,000 | $227,000 | $533,000 | $124,000 | $411,000 |
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) | 8,375 | $1,728,466,000 | $206,000 | $4,700,000 | $114,000 | $3,150,000 |
| FHA-insured (Federal Housing Administration) | 1,285 | $212,638,000 | $165,000 | $705,000 | $59,000 | $413,000 |
| VA-guaranteed (Veterans Administration) | 366 | $91,221,000 | $249,000 | $774,000 | $71,000 | $381,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 202 | $27,944,000 | $138,000 | $286,000 | $45,000 | $94,000 |
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 | 7,527 | $1,530,760,000 | $203,000 | $4,700,000 | $106,000 | $2,123,000 |
| Application Withdrawn By Applicant | 857 | $180,628,000 | $210,000 | $2,210,000 | $114,000 | $2,596,000 |
| Application Denied By Financial Institution | 851 | $157,595,000 | $185,000 | $1,850,000 | $86,000 | $1,425,000 |
| File Closed For Incompleteness | 432 | $94,035,000 | $217,000 | $2,000,000 | $120,000 | $3,150,000 |
| Preapproval Denied by Financial Institution | 281 | $45,842,000 | $163,000 | $1,040,000 | $60,000 | $524,000 |
| Application Approved But Not Accepted | 269 | $49,555,000 | $184,000 | $1,040,000 | $98,000 | $864,000 |
| Loan Purchased By The Institution | 11 | $1,854,000 | $168,000 | $384,000 | $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 | 335 | $48,221,000 | $143,000 | $1,568,000 | $64,000 | $598,000 |
| Debt-To-Income Ratio | 335 | $61,131,000 | $182,000 | $1,433,000 | $58,000 | $353,000 |
| Collateral | 240 | $50,122,000 | $208,000 | $648,000 | $118,000 | $1,158,000 |
| Other | 68 | $13,916,000 | $204,000 | $460,000 | $100,000 | $504,000 |
| Credit Application Incomplete | 63 | $15,353,000 | $243,000 | $1,850,000 | $122,000 | $1,425,000 |
| Employment History | 38 | $5,400,000 | $142,000 | $600,000 | $55,000 | $274,000 |
| Unverifiable Information | 36 | $6,396,000 | $177,000 | $800,000 | $70,000 | $524,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,483,000 | $165,000 | $380,000 | $79,000 | $187,000 |
| Mortgage Insurance Denied | 2 | $415,000 | $207,000 | $286,000 | $141,000 | $176,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2012 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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with aggregated HMDA statistics today.