Fulton Bank, National Association Mortgage Lending & HMDA Data, 2016
In 2016, Fulton Bank, National Association of Lancaster, PA reported 4,125 mortgage applications totaling $1.1 billion, about the same as 2015. The average application was for $262,371, and applicants reported an average income of $114,108. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lancaster, PA (948), Reading, PA (481) and Virginia Beach-Norfolk-Newport News, VA-NC (351) (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 | 4,125 |
| Total Mortgage Loan Application Amount | $1,082,284,000 |
| Average Mortgage Loan Application Amount | $262,371 |
| Highest Mortgage Loan Application Amount | $16,400,000 |
| Average Applicant Income | $114,108 |
| Highest Applicant Income | $3,600,000 |
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Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 948 | $ 201,659,000 | $ 212,720 | $ 99,000 |
| Berks, Pennsylvania | 481 | $ 99,129,000 | $ 206,089 | $ 97,000 |
| York, Pennsylvania | 253 | $ 44,735,000 | $ 176,818 | $ 94,000 |
| Lebanon, Pennsylvania | 248 | $ 42,544,000 | $ 171,548 | $ 72,000 |
| Dauphin, Pennsylvania | 201 | $ 44,584,000 | $ 221,810 | $ 107,000 |
| Chester, Pennsylvania | 126 | $ 37,620,000 | $ 298,571 | $ 151,000 |
| Sussex, Delaware | 118 | $ 33,526,000 | $ 284,118 | $ 124,000 |
| Cumberland, Pennsylvania | 117 | $ 29,007,000 | $ 247,923 | $ 112,000 |
| Virginia Beach, Virginia | 75 | $ 27,678,000 | $ 369,040 | $ 175,000 |
| Henrico, Virginia | 71 | $ 24,922,000 | $ 351,014 | $ 157,000 |
| Schuylkill, Pennsylvania | 69 | $ 6,739,000 | $ 97,666 | $ 63,000 |
| Albemarle, Virginia | 63 | $ 23,790,000 | $ 377,619 | $ 148,000 |
| New Castle, Delaware | 61 | $ 42,930,000 | $ 703,770 | $ 114,000 |
| James City, Virginia | 60 | $ 16,639,000 | $ 277,316 | $ 154,000 |
| Montgomery, Pennsylvania | 53 | $ 18,286,000 | $ 345,018 | $ 120,000 |
| Chesapeake, Virginia | 52 | $ 15,286,000 | $ 293,961 | $ 139,000 |
| Richmond City, Virginia | 48 | $ 17,773,000 | $ 370,270 | $ 162,000 |
| Bucks, Pennsylvania | 46 | $ 12,951,000 | $ 281,543 | $ 169,000 |
| Baltimore, Maryland | 45 | $ 11,523,000 | $ 256,066 | $ 76,000 |
| Philadelphia, Pennsylvania | 45 | $ 32,407,000 | $ 720,155 | $ 206,000 |
| Norfolk, Virginia | 39 | $ 10,331,000 | $ 264,897 | $ 102,000 |
| Chesterfield, Virginia | 33 | $ 9,531,000 | $ 288,818 | $ 124,000 |
| Hanover, Virginia | 33 | $ 13,402,000 | $ 406,121 | $ 137,000 |
| York, Virginia | 32 | $ 9,575,000 | $ 299,218 | $ 103,000 |
| Northumberland, Pennsylvania | 30 | $ 3,605,000 | $ 120,166 | $ 52,000 |
| Northampton, Pennsylvania | 29 | $ 5,309,000 | $ 183,068 | $ 85,000 |
| Newport News, Virginia | 29 | $ 4,817,000 | $ 166,103 | $ 104,000 |
| Anne Arundel, Maryland | 27 | $ 10,762,000 | $ 398,592 | $ 102,000 |
| Harford, Maryland | 26 | $ 5,328,000 | $ 204,923 | $ 74,000 |
| Centre, Pennsylvania | 26 | $ 6,261,000 | $ 240,807 | $ 166,000 |
| Howard, Maryland | 25 | $ 8,815,000 | $ 352,600 | $ 117,000 |
| Columbia, Pennsylvania | 25 | $ 3,562,000 | $ 142,480 | $ 58,000 |
| Louisa, Virginia | 25 | $ 9,663,000 | $ 386,520 | $ 186,000 |
| Fairfax, Virginia | 24 | $ 13,024,000 | $ 542,666 | $ 220,000 |
| Lehigh, Pennsylvania | 21 | $ 7,855,000 | $ 374,047 | $ 210,000 |
| New Kent, Virginia | 17 | $ 4,896,000 | $ 288,000 | $ 98,000 |
| Montgomery, Maryland | 16 | $ 7,841,000 | $ 490,062 | $ 196,000 |
| Delaware, Pennsylvania | 16 | $ 6,275,000 | $ 392,187 | $ 214,000 |
| Perry, Pennsylvania | 16 | $ 3,031,000 | $ 189,437 | $ 105,000 |
| Hampton, Virginia | 16 | $ 2,080,000 | $ 130,000 | $ 59,000 |
| Adams, Pennsylvania | 15 | $ 2,855,000 | $ 190,333 | $ 74,000 |
| Union, Pennsylvania | 14 | $ 2,006,000 | $ 143,285 | $ 52,000 |
| Cecil, Maryland | 13 | $ 2,642,000 | $ 203,230 | $ 104,000 |
| Charlottesville, Virginia | 13 | $ 3,730,000 | $ 286,923 | $ 109,000 |
| Snyder, Pennsylvania | 12 | $ 1,747,000 | $ 145,583 | $ 50,000 |
| Gloucester, Virginia | 12 | $ 2,679,000 | $ 223,250 | $ 117,000 |
| District of Columbia, District Of Columbia | 11 | $ 7,422,000 | $ 674,727 | $ 249,000 |
| Baltimore City, Maryland | 11 | $ 1,889,000 | $ 171,727 | $ 57,000 |
| Lycoming, Pennsylvania | 11 | $ 2,425,000 | $ 220,454 | $ 170,000 |
| King William, Virginia | 11 | $ 1,514,000 | $ 137,636 | $ 69,000 |
| Kent, Delaware | 10 | $ 2,858,000 | $ 285,800 | $ 56,000 |
| Greene, Virginia | 10 | $ 1,740,000 | $ 174,000 | $ 86,000 |
| Cape May, New Jersey | 9 | $ 4,399,000 | $ 488,777 | $ 394,000 |
| Fluvanna, Virginia | 9 | $ 2,180,000 | $ 242,222 | $ 104,000 |
| Loudoun, Virginia | 9 | $ 3,542,000 | $ 393,555 | $ 114,000 |
| Portsmouth, Virginia | 9 | $ 1,308,000 | $ 145,333 | $ 95,000 |
| Worcester, Maryland | 8 | $ 1,825,000 | $ 228,125 | $ 156,000 |
| Bergen, New Jersey | 8 | $ 5,636,000 | $ 704,500 | $ 222,000 |
| Camden, New Jersey | 8 | $ 2,269,000 | $ 283,625 | $ 164,000 |
| Monmouth, New Jersey | 8 | $ 5,518,000 | $ 689,750 | $ 266,000 |
| Spotsylvania, Virginia | 8 | $ 4,702,000 | $ 587,750 | $ 296,000 |
| Suffolk, Virginia | 8 | $ 3,419,000 | $ 427,375 | $ 218,000 |
| Salem, New Jersey | 7 | $ 817,000 | $ 116,714 | $ 65,000 |
| Montour, Pennsylvania | 7 | $ 833,000 | $ 119,000 | $ 41,000 |
| Prince William, Virginia | 7 | $ 2,186,000 | $ 312,285 | $ 102,000 |
| Prince George's, Maryland | 6 | $ 1,759,000 | $ 293,166 | $ 110,000 |
| Warren, New Jersey | 6 | $ 1,021,000 | $ 170,166 | $ 82,000 |
| Currituck, North Carolina | 6 | $ 1,757,000 | $ 292,833 | $ 195,000 |
| Arlington, Virginia | 6 | $ 4,015,000 | $ 669,166 | $ 202,000 |
| Powhatan, Virginia | 6 | $ 1,483,000 | $ 247,166 | $ 84,000 |
| Williamsburg, Virginia | 6 | $ 1,037,000 | $ 172,833 | $ 51,000 |
| Frederick, Maryland | 5 | $ 1,957,000 | $ 391,400 | $ 108,000 |
| Atlantic, New Jersey | 5 | $ 1,673,000 | $ 334,600 | $ 207,000 |
| Gloucester, New Jersey | 5 | $ 834,000 | $ 166,800 | $ 66,000 |
| Morris, New Jersey | 5 | $ 1,369,000 | $ 273,800 | $ 143,000 |
| Union, New Jersey | 5 | $ 3,748,000 | $ 749,600 | $ 269,000 |
| Alexandria, Virginia | 5 | $ 1,133,000 | $ 226,600 | $ 78,000 |
| Goochland, Virginia | 5 | $ 2,712,000 | $ 542,400 | $ 143,000 |
| Nelson, Virginia | 5 | $ 1,817,000 | $ 363,400 | $ 195,000 |
| Franklin, Pennsylvania | 4 | $ 1,061,000 | $ 265,250 | $ 156,000 |
| Accomack, Virginia | 4 | $ 786,000 | $ 196,500 | $ 142,000 |
| Middlesex, Virginia | 4 | $ 523,000 | $ 130,750 | $ 93,000 |
| Orange, Virginia | 4 | $ 978,000 | $ 244,500 | $ 130,000 |
| Poquoson, Virginia | 4 | $ 1,596,000 | $ 399,000 | $ 114,000 |
| Surry, Virginia | 4 | $ 300,000 | $ 75,000 | $ 38,000 |
| Kent, Maryland | 3 | $ 1,252,000 | $ 417,333 | $ 363,000 |
| Washington, Maryland | 3 | $ 876,000 | $ 292,000 | $ 68,000 |
| Burlington, New Jersey | 3 | $ 1,333,000 | $ 444,333 | $ 231,000 |
| Essex, New Jersey | 3 | $ 1,841,000 | $ 613,666 | $ 288,000 |
| Ocean, New Jersey | 3 | $ 763,000 | $ 254,333 | $ 110,000 |
| Somerset, New Jersey | 3 | $ 1,664,000 | $ 554,666 | $ 169,000 |
| Juniata, Pennsylvania | 3 | $ 602,000 | $ 200,666 | $ 57,000 |
| Tioga, Pennsylvania | 3 | $ 212,000 | $ 70,666 | $ 444,000 |
| Mathews, Virginia | 3 | $ 1,856,000 | $ 618,666 | $ 226,000 |
| Northampton, Virginia | 3 | $ 1,142,000 | $ 380,666 | $ 111,000 |
| Carroll, Maryland | 2 | $ 709,000 | $ 354,500 | $ 68,000 |
| Charles, Maryland | 2 | $ 16,652,000 | $ 8,326,000 | $ 79,000 |
| Passaic, New Jersey | 2 | $ 1,225,000 | $ 612,500 | $ 205,000 |
| Carbon, Pennsylvania | 2 | $ 229,000 | $ 114,500 | $ 82,000 |
| Huntingdon, Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 317,000 |
| Luzerne, Pennsylvania | 2 | $ 275,000 | $ 137,500 | $ 59,000 |
| Mifflin, Pennsylvania | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Charles City, Virginia | 2 | $ 1,413,000 | $ 706,500 | $ 217,000 |
| Fauquier, Virginia | 2 | $ 701,000 | $ 350,500 | $ 135,000 |
| Northumberland, Virginia | 2 | $ 687,000 | $ 343,500 | $ 97,000 |
| Rockingham, Virginia | 2 | $ 424,000 | $ 212,000 | $ 88,000 |
| Salem, Virginia | 2 | $ 696,000 | $ 348,000 | $ 175,000 |
| Berkeley, West Virginia | 2 | $ 425,000 | $ 212,500 | $ 61,000 |
| Broward, Florida | 1 | $ 25,000 | $ 25,000 | $ 176,000 |
| Collier, Florida | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Caroline, Maryland | 1 | $ 261,000 | $ 261,000 | $ 81,000 |
| Dorchester, Maryland | 1 | $ 417,000 | $ 417,000 | $ 310,000 |
| Garrett, Maryland | 1 | $ 248,000 | $ 248,000 | $ 319,000 |
| Queen Anne's, Maryland | 1 | $ 300,000 | $ 300,000 | $ 243,000 |
| Talbot, Maryland | 1 | $ 640,000 | $ 640,000 | $ 268,000 |
| Wicomico, Maryland | 1 | $ 332,000 | $ 332,000 | $ 401,000 |
| Hunterdon, New Jersey | 1 | $ 670,000 | $ 670,000 | $ 325,000 |
| Mercer, New Jersey | 1 | $ 211,000 | $ 211,000 | $ 64,000 |
| Sussex, New Jersey | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Dare, North Carolina | 1 | $ 281,000 | $ 281,000 | $ 185,000 |
| Blair, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 107,000 |
| Clinton, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 423,000 | $ 423,000 | $ 450,000 |
| Pike, Pennsylvania | 1 | $ 568,000 | $ 568,000 | $ 660,000 |
| Potter, Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 88,000 |
| Wayne, Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 112,000 |
| Bedford, Virginia | 1 | $ 417,000 | $ 417,000 | $ 288,000 |
| Buckingham, Virginia | 1 | $ 198,000 | $ 198,000 | $ 134,000 |
| Colonial Heights, Virginia | 1 | $ 236,000 | $ 236,000 | $ 63,000 |
| Culpeper, Virginia | 1 | $ 408,000 | $ 408,000 | $ 173,000 |
| Fairfax City, Virginia | 1 | $ 432,000 | $ 432,000 | $ 178,000 |
| Falls Church, Virginia | 1 | $ 1,352,000 | $ 1,352,000 | $ 333,000 |
| Franklin, Virginia | 1 | $ 480,000 | $ 480,000 | $ 264,000 |
| Franklin City, Virginia | 1 | $ 219,000 | $ 219,000 | $ 222,000 |
| Harrisonburg, Virginia | 1 | $ 107,000 | $ 107,000 | $ 96,000 |
| Hopewell, Virginia | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Lancaster, Virginia | 1 | $ 1,182,000 | $ 1,182,000 | $ 1,458,000 |
| Madison, Virginia | 1 | $ 285,000 | $ 285,000 | $ 50,000 |
| Manassas, Virginia | 1 | $ 272,000 | $ 272,000 | $ 84,000 |
| Petersburg, Virginia | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Rappahannock, Virginia | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Rockbridge, Virginia | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Stafford, Virginia | 1 | $ 440,000 | $ 440,000 | $ 272,000 |
Mortgage Loan Application Detail Totals for Fulton Bank, National Association in 2016
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 | 2,705 | $766,079,000 | $283,000 | $16,400,000 | $113,000 | $2,970,000 |
| Refinancing | 1,083 | $272,256,000 | $251,000 | $4,875,000 | $125,000 | $3,600,000 |
| Home Improvement | 337 | $43,949,000 | $130,000 | $1,568,000 | $88,000 | $825,000 |
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 | 3,105 | $676,238,000 | $217,000 | $3,300,000 | $115,000 | $3,600,000 |
| Not Provided | 518 | $171,026,000 | $330,000 | $1,568,000 | $149,000 | $946,000 |
| Hispanic | 152 | $20,186,000 | $132,000 | $654,000 | $51,000 | $361,000 |
| Black or African American | 133 | $27,627,000 | $207,000 | $1,500,000 | $89,000 | $515,000 |
| Not applicable | 110 | $153,095,000 | $1,391,000 | $16,400,000 | $0 | $0 |
| Asian | 92 | $29,664,000 | $322,000 | $1,600,000 | $162,000 | $1,091,000 |
| Native Hawaiin or Other Pacific Islander | 12 | $3,912,000 | $326,000 | $1,133,000 | $151,000 | $484,000 |
| American Indian or Alaskan Native | 3 | $536,000 | $178,000 | $344,000 | $64,000 | $87,000 |
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) | 3,340 | $928,145,000 | $277,000 | $16,400,000 | $125,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 544 | $96,271,000 | $176,000 | $589,000 | $65,000 | $349,000 |
| VA-guaranteed (Veterans Administration) | 152 | $45,757,000 | $301,000 | $1,479,000 | $92,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $12,111,000 | $136,000 | $285,000 | $47,000 | $80,000 |
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 | 3,053 | $849,805,000 | $278,000 | $16,400,000 | $117,000 | $2,970,000 |
| Application Denied By Financial Institution | 435 | $79,392,000 | $182,000 | $1,692,000 | $83,000 | $1,376,000 |
| Application Withdrawn By Applicant | 292 | $71,976,000 | $246,000 | $1,100,000 | $126,000 | $3,600,000 |
| Application Approved But Not Accepted | 191 | $41,397,000 | $216,000 | $1,185,000 | $112,000 | $1,458,000 |
| File Closed For Incompleteness | 150 | $39,048,000 | $260,000 | $924,000 | $131,000 | $653,000 |
| Loan Purchased By The Institution | 4 | $666,000 | $166,000 | $373,000 | $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 | 154 | $28,631,000 | $185,000 | $1,487,000 | $59,000 | $570,000 |
| Credit History | 124 | $14,196,000 | $114,000 | $1,568,000 | $66,000 | $800,000 |
| Collateral | 80 | $20,989,000 | $262,000 | $1,692,000 | $141,000 | $825,000 |
| Other | 41 | $8,341,000 | $203,000 | $1,000,000 | $66,000 | $400,000 |
| Unverifiable Information | 14 | $2,498,000 | $178,000 | $560,000 | $125,000 | $758,000 |
| Employment History | 11 | $1,725,000 | $156,000 | $285,000 | $79,000 | $262,000 |
| Credit Application Incomplete | 10 | $2,876,000 | $287,000 | $1,025,000 | $207,000 | $1,376,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $136,000 | $136,000 | $136,000 | $41,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2016 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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