Fulton Bank, National Association Mortgage Lending & HMDA Data, 2014
In 2014, Fulton Bank, National Association of Lancaster, PA reported 4,082 mortgage applications totaling $861.4 million, down 50% from 2013. The average application was for $211,024, and applicants reported an average income of $106,496. 72% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lancaster, PA (823), Virginia Beach-Norfolk-Newport News, VA-NC (473) and Reading, PA (429) (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 | 4,082 |
| Total Mortgage Loan Application Amount | $861,401,000 |
| Average Mortgage Loan Application Amount | $211,024 |
| Highest Mortgage Loan Application Amount | $8,600,000 |
| Average Applicant Income | $106,496 |
| Highest Applicant Income | $6,688,000 |
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Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 823 | $ 141,454,000 | $ 171,876 | $ 93,000 |
| Berks, Pennsylvania | 429 | $ 73,249,000 | $ 170,743 | $ 90,000 |
| York, Pennsylvania | 301 | $ 44,601,000 | $ 148,176 | $ 86,000 |
| Lebanon, Pennsylvania | 259 | $ 41,620,000 | $ 160,694 | $ 77,000 |
| Dauphin, Pennsylvania | 234 | $ 49,347,000 | $ 210,884 | $ 114,000 |
| Cumberland, Pennsylvania | 184 | $ 39,250,000 | $ 213,315 | $ 114,000 |
| Chester, Pennsylvania | 144 | $ 32,628,000 | $ 226,583 | $ 101,000 |
| Sussex, Delaware | 128 | $ 28,897,000 | $ 225,757 | $ 119,000 |
| James City, Virginia | 86 | $ 25,007,000 | $ 290,779 | $ 115,000 |
| Newport News, Virginia | 85 | $ 13,275,000 | $ 156,176 | $ 82,000 |
| Albemarle, Virginia | 66 | $ 28,513,000 | $ 432,015 | $ 231,000 |
| New Castle, Delaware | 65 | $ 16,873,000 | $ 259,584 | $ 103,000 |
| Schuylkill, Pennsylvania | 64 | $ 7,098,000 | $ 110,906 | $ 58,000 |
| York, Virginia | 61 | $ 15,309,000 | $ 250,967 | $ 117,000 |
| Virginia Beach, Virginia | 59 | $ 16,194,000 | $ 274,474 | $ 119,000 |
| Bucks, Pennsylvania | 54 | $ 15,671,000 | $ 290,203 | $ 156,000 |
| Henrico, Virginia | 52 | $ 18,053,000 | $ 347,173 | $ 175,000 |
| Richmond City, Virginia | 51 | $ 25,684,000 | $ 503,607 | $ 205,000 |
| Montgomery, Pennsylvania | 49 | $ 10,205,000 | $ 208,265 | $ 111,000 |
| Hampton, Virginia | 48 | $ 6,814,000 | $ 141,958 | $ 88,000 |
| Hanover, Virginia | 39 | $ 13,957,000 | $ 357,871 | $ 165,000 |
| Northampton, Pennsylvania | 35 | $ 6,289,000 | $ 179,685 | $ 71,000 |
| Chesterfield, Virginia | 31 | $ 6,966,000 | $ 224,709 | $ 126,000 |
| Centre, Pennsylvania | 28 | $ 6,983,000 | $ 249,392 | $ 138,000 |
| Northumberland, Pennsylvania | 28 | $ 2,647,000 | $ 94,535 | $ 41,000 |
| Chesapeake, Virginia | 27 | $ 6,574,000 | $ 243,481 | $ 103,000 |
| Louisa, Virginia | 27 | $ 9,947,000 | $ 368,407 | $ 179,000 |
| Gloucester, Virginia | 26 | $ 4,634,000 | $ 178,230 | $ 78,000 |
| Charlottesville, Virginia | 24 | $ 5,348,000 | $ 222,833 | $ 95,000 |
| Cecil, Maryland | 23 | $ 4,084,000 | $ 177,565 | $ 118,000 |
| Harford, Maryland | 22 | $ 5,473,000 | $ 248,772 | $ 77,000 |
| Delaware, Pennsylvania | 22 | $ 7,862,000 | $ 357,363 | $ 145,000 |
| Spotsylvania, Virginia | 19 | $ 6,118,000 | $ 322,000 | $ 128,000 |
| Stafford, Virginia | 19 | $ 4,910,000 | $ 258,421 | $ 104,000 |
| Washington, Maryland | 17 | $ 2,533,000 | $ 149,000 | $ 54,000 |
| Lehigh, Pennsylvania | 17 | $ 2,853,000 | $ 167,823 | $ 71,000 |
| Poquoson, Virginia | 16 | $ 3,579,000 | $ 223,687 | $ 179,000 |
| Philadelphia, Pennsylvania | 15 | $ 5,339,000 | $ 355,933 | $ 165,000 |
| Norfolk, Virginia | 15 | $ 2,202,000 | $ 146,800 | $ 50,000 |
| Prince William, Virginia | 15 | $ 5,457,000 | $ 363,800 | $ 156,000 |
| Williamsburg, Virginia | 14 | $ 3,254,000 | $ 232,428 | $ 108,000 |
| Atlantic, New Jersey | 13 | $ 3,366,000 | $ 258,923 | $ 159,000 |
| Montour, Pennsylvania | 13 | $ 1,587,000 | $ 122,076 | $ 52,000 |
| Isle of Wight, Virginia | 13 | $ 3,969,000 | $ 305,307 | $ 111,000 |
| New Kent, Virginia | 13 | $ 3,066,000 | $ 235,846 | $ 106,000 |
| Baltimore, Maryland | 12 | $ 2,356,000 | $ 196,333 | $ 63,000 |
| Columbia, Pennsylvania | 12 | $ 1,243,000 | $ 103,583 | $ 43,000 |
| Cape May, New Jersey | 10 | $ 7,480,000 | $ 748,000 | $ 219,000 |
| Lycoming, Pennsylvania | 10 | $ 1,293,000 | $ 129,300 | $ 62,000 |
| Snyder, Pennsylvania | 10 | $ 1,258,000 | $ 125,800 | $ 46,000 |
| Union, Pennsylvania | 10 | $ 1,325,000 | $ 132,500 | $ 57,000 |
| Howard, Maryland | 8 | $ 2,617,000 | $ 327,125 | $ 86,000 |
| Perry, Pennsylvania | 8 | $ 1,138,000 | $ 142,250 | $ 61,000 |
| Fairfax, Virginia | 8 | $ 5,408,000 | $ 676,000 | $ 206,000 |
| Goochland, Virginia | 8 | $ 4,046,000 | $ 505,750 | $ 237,000 |
| Adams, Pennsylvania | 7 | $ 1,941,000 | $ 277,285 | $ 127,000 |
| King William, Virginia | 7 | $ 1,172,000 | $ 167,428 | $ 74,000 |
| Mathews, Virginia | 7 | $ 2,232,000 | $ 318,857 | $ 177,000 |
| Suffolk, Virginia | 7 | $ 1,296,000 | $ 185,142 | $ 74,000 |
| Baltimore City, Maryland | 6 | $ 663,000 | $ 110,500 | $ 65,000 |
| Franklin, Pennsylvania | 6 | $ 1,796,000 | $ 299,333 | $ 193,000 |
| Charles City, Virginia | 6 | $ 5,502,000 | $ 917,000 | $ 1,253,000 |
| Anne Arundel, Maryland | 5 | $ 1,801,000 | $ 360,200 | $ 105,000 |
| Worcester, Maryland | 5 | $ 2,014,000 | $ 402,800 | $ 250,000 |
| Mifflin, Pennsylvania | 5 | $ 470,000 | $ 94,000 | $ 52,000 |
| Greene, Virginia | 5 | $ 1,315,000 | $ 263,000 | $ 93,000 |
| Lancaster, Virginia | 5 | $ 1,724,000 | $ 344,800 | $ 196,000 |
| Portsmouth, Virginia | 5 | $ 556,000 | $ 111,200 | $ 47,000 |
| Kent, Delaware | 4 | $ 683,000 | $ 170,750 | $ 62,000 |
| Montgomery, Maryland | 4 | $ 875,000 | $ 218,750 | $ 62,000 |
| Salem, New Jersey | 4 | $ 724,000 | $ 181,000 | $ 67,000 |
| Currituck, North Carolina | 4 | $ 441,000 | $ 110,250 | $ 74,000 |
| Clinton, Pennsylvania | 4 | $ 391,000 | $ 97,750 | $ 63,000 |
| Luzerne, Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 37,000 |
| Caroline, Virginia | 4 | $ 767,000 | $ 191,750 | $ 37,000 |
| Fluvanna, Virginia | 4 | $ 1,321,000 | $ 330,250 | $ 115,000 |
| King George, Virginia | 4 | $ 956,000 | $ 239,000 | $ 84,000 |
| Frederick, Maryland | 3 | $ 806,000 | $ 268,666 | $ 77,000 |
| Kent, Maryland | 3 | $ 1,251,000 | $ 417,000 | $ 184,000 |
| Queen Anne's, Maryland | 3 | $ 774,000 | $ 258,000 | $ 80,000 |
| Burlington, New Jersey | 3 | $ 548,000 | $ 182,666 | $ 39,000 |
| Hunterdon, New Jersey | 3 | $ 810,000 | $ 270,000 | $ 157,000 |
| Loudoun, Virginia | 3 | $ 621,000 | $ 207,000 | $ 55,000 |
| Nelson, Virginia | 3 | $ 976,000 | $ 325,333 | $ 276,000 |
| Powhatan, Virginia | 3 | $ 717,000 | $ 239,000 | $ 69,000 |
| District of Columbia, District Of Columbia | 2 | $ 2,140,000 | $ 1,070,000 | $ 676,000 |
| Caroline, Maryland | 2 | $ 292,000 | $ 146,000 | $ 65,000 |
| Camden, New Jersey | 2 | $ 262,000 | $ 131,000 | $ 130,000 |
| Cumberland, New Jersey | 2 | $ 260,000 | $ 130,000 | $ 67,000 |
| Gloucester, New Jersey | 2 | $ 285,000 | $ 142,500 | $ 72,000 |
| Mercer, New Jersey | 2 | $ 298,000 | $ 149,000 | $ 184,000 |
| Monmouth, New Jersey | 2 | $ 476,000 | $ 238,000 | $ 121,000 |
| Morris, New Jersey | 2 | $ 684,000 | $ 342,000 | $ 115,000 |
| Ocean, New Jersey | 2 | $ 742,000 | $ 371,000 | $ 742,000 |
| Dare, North Carolina | 2 | $ 470,000 | $ 235,000 | $ 109,000 |
| Bedford, Pennsylvania | 2 | $ 339,000 | $ 169,500 | $ 139,000 |
| Blair, Pennsylvania | 2 | $ 471,000 | $ 235,500 | $ 79,000 |
| Carbon, Pennsylvania | 2 | $ 575,000 | $ 287,500 | $ 109,000 |
| Huntingdon, Pennsylvania | 2 | $ 205,000 | $ 102,500 | $ 96,000 |
| Monroe, Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 69,000 |
| Arlington, Virginia | 2 | $ 1,150,000 | $ 575,000 | $ 176,000 |
| Bedford, Virginia | 2 | $ 490,000 | $ 245,000 | $ 107,000 |
| Botetourt, Virginia | 2 | $ 612,000 | $ 306,000 | $ 120,000 |
| Mecklenburg, Virginia | 2 | $ 1,284,000 | $ 642,000 | $ 272,000 |
| Surry, Virginia | 2 | $ 633,000 | $ 316,500 | $ 122,000 |
| Berkeley, West Virginia | 2 | $ 304,000 | $ 152,000 | $ 48,000 |
| Riverside, California | 1 | $ 23,000 | $ 23,000 | $ 426,000 |
| Charles, Maryland | 1 | $ 201,000 | $ 201,000 | $ 58,000 |
| Prince George's, Maryland | 1 | $ 186,000 | $ 186,000 | $ 56,000 |
| Somerset, Maryland | 1 | $ 114,000 | $ 114,000 | $ 36,000 |
| Talbot, Maryland | 1 | $ 174,000 | $ 174,000 | $ 50,000 |
| Middlesex, New Jersey | 1 | $ 156,000 | $ 156,000 | $ 106,000 |
| Somerset, New Jersey | 1 | $ 720,000 | $ 720,000 | $ 225,000 |
| Sussex, New Jersey | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Hertford, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| Wake, North Carolina | 1 | $ 191,000 | $ 191,000 | $ 135,000 |
| Clearfield, Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 28,000 |
| Lackawanna, Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 139,000 |
| Tioga, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 94,000 |
| Accomack, Virginia | 1 | $ 62,000 | $ 62,000 | $ 87,000 |
| Appomattox, Virginia | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Brunswick, Virginia | 1 | $ 314,000 | $ 314,000 | $ 82,000 |
| Cumberland, Virginia | 1 | $ 157,000 | $ 157,000 | $ 115,000 |
| Dinwiddie, Virginia | 1 | $ 216,000 | $ 216,000 | $ 66,000 |
| Essex, Virginia | 1 | $ 900,000 | $ 900,000 | $ 409,000 |
| Falls Church, Virginia | 1 | $ 82,000 | $ 82,000 | $ 103,000 |
| Fauquier, Virginia | 1 | $ 575,000 | $ 575,000 | $ 223,000 |
| Fredericksburg, Virginia | 1 | $ 213,000 | $ 213,000 | $ 78,000 |
| Hopewell, Virginia | 1 | $ 230,000 | $ 230,000 | $ 85,000 |
| Lexington, Virginia | 1 | $ 113,000 | $ 113,000 | $ 400,000 |
| Madison, Virginia | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Middlesex, Virginia | 1 | $ 207,000 | $ 207,000 | $ 105,000 |
| Northumberland, Virginia | 1 | $ 134,000 | $ 134,000 | $ 70,000 |
| Orange, Virginia | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Prince George, Virginia | 1 | $ 230,000 | $ 230,000 | $ 42,000 |
| Rockbridge, Virginia | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Sussex, Virginia | 1 | $ 262,000 | $ 262,000 | $ 85,000 |
| Waynesboro, Virginia | 1 | $ 40,000 | $ 40,000 | $ 66,000 |
| Westmoreland, Virginia | 1 | $ 216,000 | $ 216,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Fulton Bank, National Association in 2014
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 | 2,904 | $635,635,000 | $218,000 | $2,550,000 | $109,000 | $6,688,000 |
| Refinancing | 872 | $191,969,000 | $220,000 | $8,600,000 | $105,000 | $1,361,000 |
| Home Improvement | 306 | $33,797,000 | $110,000 | $1,000,000 | $87,000 | $816,000 |
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 | 3,143 | $632,364,000 | $201,000 | $2,550,000 | $107,000 | $6,688,000 |
| Not Provided | 553 | $136,473,000 | $246,000 | $2,160,000 | $125,000 | $3,031,000 |
| Hispanic | 133 | $16,189,000 | $121,000 | $906,000 | $59,000 | $792,000 |
| Black or African American | 109 | $22,613,000 | $207,000 | $984,000 | $80,000 | $308,000 |
| Not applicable | 68 | $33,159,000 | $487,000 | $8,600,000 | $0 | $0 |
| Asian | 60 | $15,897,000 | $264,000 | $880,000 | $168,000 | $1,028,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $4,313,000 | $392,000 | $900,000 | $121,000 | $278,000 |
| American Indian or Alaskan Native | 5 | $393,000 | $78,000 | $220,000 | $52,000 | $121,000 |
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) | 3,352 | $728,672,000 | $217,000 | $8,600,000 | $115,000 | $6,688,000 |
| FHA-insured (Federal Housing Administration) | 329 | $51,577,000 | $156,000 | $492,000 | $63,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 220 | $56,610,000 | $257,000 | $728,000 | $85,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 181 | $24,542,000 | $135,000 | $305,000 | $43,000 | $103,000 |
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 | 2,927 | $637,470,000 | $217,000 | $8,600,000 | $109,000 | $6,688,000 |
| Application Denied By Financial Institution | 528 | $89,164,000 | $168,000 | $2,027,000 | $84,000 | $1,361,000 |
| Application Withdrawn By Applicant | 338 | $71,311,000 | $210,000 | $1,432,000 | $112,000 | $847,000 |
| Application Approved But Not Accepted | 153 | $33,125,000 | $216,000 | $1,238,000 | $101,000 | $470,000 |
| File Closed For Incompleteness | 124 | $28,486,000 | $229,000 | $983,000 | $140,000 | $3,031,000 |
| Loan Purchased By The Institution | 12 | $1,845,000 | $153,000 | $305,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 176 | $30,806,000 | $175,000 | $1,141,000 | $58,000 | $360,000 |
| Collateral | 144 | $25,926,000 | $180,000 | $906,000 | $106,000 | $792,000 |
| Credit History | 130 | $16,354,000 | $125,000 | $1,044,000 | $82,000 | $800,000 |
| Unverifiable Information | 25 | $3,922,000 | $156,000 | $417,000 | $84,000 | $284,000 |
| Credit Application Incomplete | 23 | $6,898,000 | $299,000 | $2,027,000 | $95,000 | $396,000 |
| Other | 13 | $2,183,000 | $167,000 | $575,000 | $185,000 | $1,361,000 |
| Employment History | 12 | $2,306,000 | $192,000 | $417,000 | $77,000 | $281,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $769,000 | $153,000 | $236,000 | $75,000 | $176,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2014 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.
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