Fulton Bank, National Association Mortgage Lending & HMDA Data, 2018

In 2018, Fulton Bank, National Association of Lancaster, PA reported 8,278 mortgage applications totaling $1.6 billion, up 92% from 2017. The average application was for $192,094, and applicants reported an average income of $114,772. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Lancaster, PA (1,779), Reading, PA (757) and York-Hanover, PA (738) (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 8,278
Total Mortgage Loan Application Amount $1,590,160,000
Average Mortgage Loan Application Amount $192,094
Highest Mortgage Loan Application Amount $20,205,000
Average Applicant Income $114,772
Highest Applicant Income $5,568,000

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Fulton Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lancaster, Pennsylvania 1,779 $ 271,305,000 $ 152,504 $ 94,000
Berks, Pennsylvania 757 $ 111,845,000 $ 147,747 $ 107,000
York, Pennsylvania 738 $ 118,210,000 $ 160,176 $ 83,000
Lebanon, Pennsylvania 565 $ 70,345,000 $ 124,504 $ 87,000
Dauphin, Pennsylvania 346 $ 49,170,000 $ 142,109 $ 99,000
Philadelphia, Pennsylvania 308 $ 64,560,000 $ 209,610 $ 80,000
Sussex, Delaware 306 $ 88,960,000 $ 290,718 $ 167,000
Chester, Pennsylvania 250 $ 43,120,000 $ 172,480 $ 130,000
Virginia Beach, Virginia 214 $ 55,980,000 $ 261,588 $ 143,000
New Castle, Delaware 197 $ 39,495,000 $ 200,482 $ 121,000
Cumberland, Pennsylvania 171 $ 33,265,000 $ 194,532 $ 108,000
Northumberland, Pennsylvania 146 $ 12,770,000 $ 87,465 $ 80,000
Montgomery, Pennsylvania 145 $ 30,405,000 $ 209,689 $ 181,000
Albemarle, Virginia 135 $ 50,955,000 $ 377,444 $ 193,000
Snyder, Pennsylvania 133 $ 11,285,000 $ 84,849 $ 64,000
Bucks, Pennsylvania 121 $ 28,815,000 $ 238,140 $ 165,000
Richmond City, Virginia 107 $ 25,555,000 $ 238,831 $ 188,000
Schuylkill, Pennsylvania 106 $ 12,080,000 $ 113,962 $ 78,000
Columbia, Pennsylvania 101 $ 10,475,000 $ 103,712 $ 81,000
Delaware, Pennsylvania 98 $ 20,010,000 $ 204,183 $ 129,000
Henrico, Virginia 85 $ 23,185,000 $ 272,764 $ 154,000
Chesapeake, Virginia 74 $ 16,170,000 $ 218,513 $ 114,000
Montour, Pennsylvania 73 $ 12,925,000 $ 177,054 $ 159,000
Chesterfield, Virginia 60 $ 16,760,000 $ 279,333 $ 110,000
Norfolk, Virginia 57 $ 11,345,000 $ 199,035 $ 111,000
Union, Pennsylvania 56 $ 9,770,000 $ 174,464 $ 141,000
James City, Virginia 48 $ 13,530,000 $ 281,875 $ 113,000
Adams, Pennsylvania 45 $ 8,665,000 $ 192,555 $ 85,000
Charlottesville, Virginia 45 $ 15,205,000 $ 337,888 $ 175,000
Fairfax, Virginia 42 $ 16,370,000 $ 389,761 $ 237,000
Kent, Delaware 36 $ 8,540,000 $ 237,222 $ 107,000
Louisa, Virginia 35 $ 10,755,000 $ 307,285 $ 191,000
Lycoming, Pennsylvania 34 $ 4,800,000 $ 141,176 $ 113,000
Hanover, Virginia 34 $ 10,260,000 $ 301,764 $ 153,000
Centre, Pennsylvania 30 $ 5,820,000 $ 194,000 $ 133,000
Greene, Virginia 29 $ 7,725,000 $ 266,379 $ 112,000
Cecil, Maryland 28 $ 5,690,000 $ 203,214 $ 146,000
Portsmouth, Virginia 27 $ 3,465,000 $ 128,333 $ 60,000
Luzerne, Pennsylvania 26 $ 4,130,000 $ 158,846 $ 116,000
Baltimore, Maryland 23 $ 7,155,000 $ 311,086 $ 116,000
Baltimore City, Maryland 23 $ 4,645,000 $ 201,956 $ 68,000
Loudoun, Virginia 23 $ 6,125,000 $ 266,304 $ 154,000
Hampton, Virginia 21 $ 3,615,000 $ 172,142 $ 79,000
Newport News, Virginia 21 $ 3,065,000 $ 145,952 $ 124,000
District of Columbia, District Of Columbia 20 $ 15,650,000 $ 782,500 $ 264,000
Harford, Maryland 19 $ 7,095,000 $ 373,421 $ 130,000
Northampton, Pennsylvania 18 $ 4,460,000 $ 247,777 $ 132,000
Montgomery, Maryland 17 $ 10,145,000 $ 596,764 $ 212,000
Suffolk, Virginia 17 $ 3,315,000 $ 195,000 $ 112,000
Prince William, Virginia 15 $ 4,115,000 $ 274,333 $ 181,000
Anne Arundel, Maryland 14 $ 5,290,000 $ 377,857 $ 137,000
Cape May, New Jersey 14 $ 8,380,000 $ 598,571 $ 545,000
Perry, Pennsylvania 14 $ 3,560,000 $ 254,285 $ 195,000
Howard, Maryland 13 $ 7,035,000 $ 541,153 $ 192,000
Prince George's, Maryland 13 $ 4,625,000 $ 355,769 $ 108,000
Lehigh, Pennsylvania 13 $ 3,305,000 $ 254,230 $ 139,000
Fluvanna, Virginia 13 $ 3,565,000 $ 274,230 $ 114,000
Madison, Virginia 13 $ 2,845,000 $ 218,846 $ 157,000
New Kent, Virginia 13 $ 2,905,000 $ 223,461 $ 152,000
Mifflin, Pennsylvania 12 $ 810,000 $ 67,500 $ 82,000
Burlington, New Jersey 11 $ 5,375,000 $ 488,636 $ 208,000
Goochland, Virginia 11 $ 4,355,000 $ 395,909 $ 169,000
Carroll, Maryland 10 $ 3,620,000 $ 362,000 $ 104,000
Atlantic, New Jersey 10 $ 2,860,000 $ 286,000 $ 144,000
Camden, New Jersey 10 $ 3,740,000 $ 374,000 $ 178,000
Juniata, Pennsylvania 10 $ 640,000 $ 64,000 $ 39,000
Orange, Virginia 10 $ 1,720,000 $ 172,000 $ 82,000
Bergen, New Jersey 8 $ 7,190,000 $ 898,750 $ 312,000
Monmouth, New Jersey 8 $ 7,450,000 $ 931,250 $ 416,000
Queen Anne's, Maryland 7 $ 1,905,000 $ 272,142 $ 101,000
Talbot, Maryland 7 $ 2,825,000 $ 403,571 $ 141,000
Worcester, Maryland 7 $ 1,875,000 $ 267,857 $ 138,000
Middlesex, New Jersey 7 $ 3,365,000 $ 480,714 $ 223,000
Alexandria, Virginia 7 $ 3,685,000 $ 526,428 $ 217,000
Nelson, Virginia 7 $ 1,385,000 $ 197,857 $ 125,000
Spotsylvania, Virginia 7 $ 3,435,000 $ 490,714 $ 224,000
Frederick, Maryland 6 $ 3,230,000 $ 538,333 $ 194,000
Gloucester, New Jersey 6 $ 1,240,000 $ 206,666 $ 85,000
Union, New Jersey 6 $ 4,490,000 $ 748,333 $ 283,000
Currituck, North Carolina 6 $ 1,020,000 $ 170,000 $ 77,000
Monroe, Pennsylvania 6 $ 350,000 $ 58,333 $ 59,000
Gloucester, Virginia 6 $ 1,130,000 $ 188,333 $ 59,000
Isle of Wight, Virginia 6 $ 1,320,000 $ 220,000 $ 70,000
King William, Virginia 6 $ 920,000 $ 153,333 $ 77,000
Powhatan, Virginia 6 $ 2,520,000 $ 420,000 $ 225,000
Morris, New Jersey 5 $ 3,475,000 $ 695,000 $ 358,000
Tioga, Pennsylvania 5 $ 1,045,000 $ 209,000 $ 188,000
York, Virginia 5 $ 1,115,000 $ 223,000 $ 67,000
Washington, Maryland 4 $ 580,000 $ 145,000 $ 80,000
Mercer, New Jersey 4 $ 1,170,000 $ 292,500 $ 134,000
Salem, New Jersey 4 $ 630,000 $ 157,500 $ 90,000
Franklin, Pennsylvania 4 $ 400,000 $ 100,000 $ 59,000
Northampton, Virginia 4 $ 900,000 $ 225,000 $ 310,000
Poquoson, Virginia 4 $ 1,230,000 $ 307,500 $ 102,000
Rockingham, Virginia 4 $ 1,510,000 $ 377,500 $ 244,000
Charles, Maryland 3 $ 885,000 $ 295,000 $ 113,000
Ocean, New Jersey 3 $ 745,000 $ 248,333 $ 159,000
Somerset, New Jersey 3 $ 1,985,000 $ 661,666 $ 224,000
Dare, North Carolina 3 $ 815,000 $ 271,666 $ 134,000
Bedford, Pennsylvania 3 $ 705,000 $ 235,000 $ 136,000
Clinton, Pennsylvania 3 $ 625,000 $ 208,333 $ 102,000
Culpeper, Virginia 3 $ 565,000 $ 188,333 $ 229,000
Fauquier, Virginia 3 $ 1,335,000 $ 445,000 $ 1,060,000
King and Queen, Virginia 3 $ 415,000 $ 138,333 $ 61,000
Middlesex, Virginia 3 $ 745,000 $ 248,333 $ 131,000
Petersburg, Virginia 3 $ 385,000 $ 128,333 $ 46,000
Somerset, Maryland 2 $ 470,000 $ 235,000 $ 71,000
Cumberland, New Jersey 2 $ 340,000 $ 170,000 $ 54,000
Essex, New Jersey 2 $ 1,270,000 $ 635,000 $ 255,000
Hudson, New Jersey 2 $ 1,730,000 $ 865,000 $ 176,000
Clearfield, Pennsylvania 2 $ 70,000 $ 35,000 $ 34,000
Pike, Pennsylvania 2 $ 260,000 $ 130,000 $ 174,000
Dallas, Texas 2 $ 110,000 $ 55,000 $ 24,000
Summit, Utah 2 $ 5,610,000 $ 2,805,000 $ 2,424,000
Amelia, Virginia 2 $ 810,000 $ 405,000 $ 136,000
Arlington, Virginia 2 $ 2,660,000 $ 1,330,000 $ 593,000
Caroline, Virginia 2 $ 280,000 $ 140,000 $ 78,000
Fairfax City, Virginia 2 $ 1,400,000 $ 700,000 $ 569,000
Harrisonburg, Virginia 2 $ 5,910,000 $ 2,955,000 $ 0
Hopewell, Virginia 2 $ 210,000 $ 105,000 $ 45,000
Lynchburg, Virginia 2 $ 330,000 $ 165,000 $ 150,000
Stafford, Virginia 2 $ 1,130,000 $ 565,000 $ 209,000
Williamsburg, Virginia 2 $ 250,000 $ 125,000 $ 53,000
Los Angeles, California 1 $ 75,000 $ 75,000 $ 114,000
Collier, Florida 1 $ 335,000 $ 335,000 $ 240,000
Lee, Florida 1 $ 265,000 $ 265,000 $ 674,000
Honolulu, Hawaii 1 $ 55,000 $ 55,000 $ 90,000
Allegany, Maryland 1 $ 115,000 $ 115,000 $ 36,000
Caroline, Maryland 1 $ 25,000 $ 25,000 $ 109,000
Dorchester, Maryland 1 $ 275,000 $ 275,000 $ 121,000
Kent, Maryland 1 $ 5,000 $ 5,000 $ 58,000
St. Mary's, Maryland 1 $ 305,000 $ 305,000 $ 61,000
Wicomico, Maryland 1 $ 45,000 $ 45,000 $ 44,000
Barnstable, Massachusetts 1 $ 1,005,000 $ 1,005,000 $ 394,000
Richmond, New York 1 $ 75,000 $ 75,000 $ 300,000
Brunswick, North Carolina 1 $ 125,000 $ 125,000 $ 192,000
Hertford, North Carolina 1 $ 185,000 $ 185,000 $ 42,000
Mecklenburg, North Carolina 1 $ 135,000 $ 135,000 $ 136,000
Pasquotank, North Carolina 1 $ 165,000 $ 165,000 $ 55,000
Wake, North Carolina 1 $ 455,000 $ 455,000 $ 530,000
Allegheny, Pennsylvania 1 $ 525,000 $ 525,000 $ 300,000
Armstrong, Pennsylvania 1 $ 35,000 $ 35,000 $ 51,000
Cambria, Pennsylvania 1 $ 45,000 $ 45,000 $ 89,000
Clarion, Pennsylvania 1 $ 95,000 $ 95,000 $ 49,000
Huntingdon, Pennsylvania 1 $ 35,000 $ 35,000 $ 34,000
Jefferson, Pennsylvania 1 $ 435,000 $ 435,000 $ 0
Lackawanna, Pennsylvania 1 $ 225,000 $ 225,000 $ 185,000
Sullivan, Pennsylvania 1 $ 155,000 $ 155,000 $ 77,000
Westmoreland, Pennsylvania 1 $ 605,000 $ 605,000 $ 199,000
Augusta, Virginia 1 $ 55,000 $ 55,000 $ 169,000
Bedford, Virginia 1 $ 305,000 $ 305,000 $ 0
Buckingham, Virginia 1 $ 545,000 $ 545,000 $ 115,000
Clarke, Virginia 1 $ 275,000 $ 275,000 $ 66,000
Colonial Heights, Virginia 1 $ 205,000 $ 205,000 $ 18,000
Cumberland, Virginia 1 $ 165,000 $ 165,000 $ 34,000
Dinwiddie, Virginia 1 $ 105,000 $ 105,000 $ 29,000
Falls Church, Virginia 1 $ 255,000 $ 255,000 $ 194,000
Giles, Virginia 1 $ 105,000 $ 105,000 $ 170,000
Martinsville, Virginia 1 $ 275,000 $ 275,000 $ 184,000
Montgomery, Virginia 1 $ 235,000 $ 235,000 $ 95,000
Northumberland, Virginia 1 $ 155,000 $ 155,000 $ 91,000
Southampton, Virginia 1 $ 35,000 $ 35,000 $ 52,000
Staunton, Virginia 1 $ 195,000 $ 195,000 $ 190,000
Surry, Virginia 1 $ 285,000 $ 285,000 $ 66,000

Mortgage Loan Application Detail Totals for Fulton Bank, National Association in 2018

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 4,419 $1,078,655,000 $244,000 $20,205,000 $110,000 $3,345,000
Refinancing 1,519 $260,375,000 $171,000 $13,605,000 $125,000 $2,997,000
Other Purpose 1,236 $112,190,000 $90,000 $915,000 $108,000 $2,002,000
Home Improvement 766 $56,650,000 $73,000 $2,005,000 $125,000 $5,568,000
Cash-out Refinancing 334 $81,480,000 $243,000 $4,005,000 $133,000 $1,900,000
Not Applicable 4 $810,000 $202,000 $375,000 $0 $0

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 6,169 $1,138,985,000 $184,000 $4,005,000 $118,000 $3,345,000
Not Provided 711 $111,915,000 $157,000 $2,005,000 $143,000 $5,568,000
Black or African American 585 $103,065,000 $176,000 $1,505,000 $74,000 $638,000
Hispanic 448 $55,450,000 $123,000 $795,000 $60,000 $1,272,000
Asian 197 $64,825,000 $329,000 $1,425,000 $156,000 $675,000
Not applicable 118 $106,760,000 $904,000 $20,205,000 $0 $0
American Indian or Alaskan Native 14 $2,680,000 $191,000 $815,000 $122,000 $417,000
Native Hawaiian or Other Pacific Islander 4 $900,000 $225,000 $365,000 $148,000 $357,000

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) 7,591 $1,457,475,000 $192,000 $20,205,000 $119,000 $5,568,000
FHA-insured (Federal Housing Administration) 484 $82,980,000 $171,000 $495,000 $64,000 $540,000
VA-guaranteed (Veterans Administration) 149 $40,585,000 $272,000 $725,000 $93,000 $330,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $9,120,000 $168,000 $395,000 $59,000 $122,000

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 5,931 $1,184,115,000 $199,000 $20,205,000 $118,000 $2,997,000
Application Denied By Financial Institution 1,435 $196,315,000 $136,000 $2,255,000 $94,000 $5,568,000
Application Withdrawn By Applicant 495 $120,455,000 $243,000 $13,605,000 $128,000 $3,345,000
Application Approved But Not Accepted 312 $62,500,000 $200,000 $1,205,000 $107,000 $587,000
File Closed For Incompleteness 99 $25,665,000 $259,000 $1,255,000 $129,000 $800,000
Loan Purchased By The Institution 6 $1,110,000 $185,000 $375,000 $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
Not applicable 6,843 $1,393,845,000 $203,000 $20,205,000 $119,000 $3,345,000
Debt-To-Income Ratio 413 $71,165,000 $172,000 $2,255,000 $55,000 $360,000
Credit History 406 $42,270,000 $104,000 $1,805,000 $69,000 $1,272,000
Collateral 385 $50,185,000 $130,000 $1,765,000 $120,000 $1,531,000
Credit Application Incomplete 137 $17,605,000 $128,000 $845,000 $141,000 $1,399,000
Other 46 $7,320,000 $159,000 $595,000 $321,000 $5,568,000
Unverifiable Information 34 $5,850,000 $172,000 $925,000 $160,000 $1,264,000
Employment History 14 $1,920,000 $137,000 $255,000 $58,000 $218,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank, National Association's 2018 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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