Fulton Bank 2008 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 Po Box 4887 Lancaster, PA 17604 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 5,971 |
Total Mortgage Loan Application Amount | $979,064,000 |
Average Mortgage Loan Application Amount | $143,666 |
Highest Mortgage Loan Application Amount | $4,740,000 |
Average Applicant Income | $76,666 |
Highest Applicant Income | $3,197,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Fulton Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Fulton Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Fulton Bank, 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's mortgage activity for 2008.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Adams County Pennsylvania | 19 | $ 2,905,000 | $ 152,000 | $ 54,000 |
Adams County Washington | 1 | $ 125,000 | $ 125,000 | $ 14,000 |
Allegheny County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 226,000 |
Amelia County Virginia | 1 | $ 209,000 | $ 209,000 | $ 55,000 |
Anne Arundel County Maryland | 7 | $ 4,771,000 | $ 681,000 | $ 99,000 |
Arlington County Virginia | 1 | $ 730,000 | $ 730,000 | $ 211,000 |
Atlantic County New Jersey | 2 | $ 728,000 | $ 364,000 | $ 349,000 |
Baltimore City County Maryland | 13 | $ 2,211,000 | $ 170,000 | $ 60,000 |
Baltimore County Maryland | 29 | $ 6,047,000 | $ 208,000 | $ 67,000 |
Bedford County Pennsylvania | 3 | $ 398,000 | $ 132,000 | $ 74,000 |
Bedford County Virginia | 2 | $ 386,000 | $ 193,000 | $ 86,000 |
Berks County Pennsylvania | 546 | $ 70,192,000 | $ 128,000 | $ 76,000 |
Blair County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 43,000 |
Broward County Florida | 4 | $ 857,000 | $ 214,000 | $ 59,000 |
Brunswick County Virginia | 2 | $ 86,000 | $ 43,000 | $ 35,000 |
Bucks County Pennsylvania | 54 | $ 13,744,000 | $ 254,000 | $ 107,000 |
Cambria County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
Camden County New Jersey | 3 | $ 577,000 | $ 192,000 | $ 112,000 |
Camden County North Carolina | 2 | $ 642,000 | $ 321,000 | $ 594,000 |
Cape May County New Jersey | 9 | $ 3,930,000 | $ 436,000 | $ 227,000 |
Carbon County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 188,000 |
Caroline County Virginia | 2 | $ 503,000 | $ 251,000 | $ 101,000 |
Carroll County Maryland | 2 | $ 423,000 | $ 211,000 | $ 92,000 |
Carteret County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 44,000 |
Cecil County Maryland | 6 | $ 1,286,000 | $ 214,000 | $ 42,000 |
Centre County Pennsylvania | 7 | $ 1,142,000 | $ 163,000 | $ 70,000 |
Charles City County Virginia | 2 | $ 405,000 | $ 202,000 | $ 79,000 |
Charles County Maryland | 2 | $ 751,000 | $ 375,000 | $ 116,000 |
Charlottesville County Virginia | 1 | $ 340,000 | $ 340,000 | $ 0 |
Chesapeake County Virginia | 140 | $ 29,754,000 | $ 212,000 | $ 75,000 |
Chester County Pennsylvania | 104 | $ 17,818,000 | $ 171,000 | $ 109,000 |
Chesterfield County Virginia | 135 | $ 30,133,000 | $ 223,000 | $ 89,000 |
Clay County Florida | 43 | $ 7,027,000 | $ 163,000 | $ 64,000 |
Clinton County Pennsylvania | 2 | $ 106,000 | $ 53,000 | $ 46,000 |
Collier County Florida | 2 | $ 513,000 | $ 256,000 | $ 170,000 |
Colonial Heights County Virginia | 8 | $ 1,305,000 | $ 163,000 | $ 92,000 |
Columbia County Pennsylvania | 20 | $ 1,989,000 | $ 99,000 | $ 40,000 |
Culpeper County Virginia | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
Cumberland County North Carolina | 1 | $ 563,000 | $ 563,000 | $ 192,000 |
Cumberland County Pennsylvania | 69 | $ 10,947,000 | $ 158,000 | $ 90,000 |
Cumberland County Virginia | 3 | $ 385,000 | $ 128,000 | $ 38,000 |
Currituck County North Carolina | 12 | $ 3,911,000 | $ 325,000 | $ 144,000 |
Dare County North Carolina | 21 | $ 10,013,000 | $ 476,000 | $ 185,000 |
Dauphin County Pennsylvania | 201 | $ 20,994,000 | $ 104,000 | $ 74,000 |
Delaware County Pennsylvania | 26 | $ 4,432,000 | $ 170,000 | $ 88,000 |
Dinwiddie County Virginia | 28 | $ 8,310,000 | $ 296,000 | $ 84,000 |
District of Columbia County District Of Columbia | 6 | $ 2,422,000 | $ 403,000 | $ 98,000 |
Dorchester County Maryland | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
Duval County Florida | 25 | $ 4,006,000 | $ 160,000 | $ 61,000 |
Essex County Virginia | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
Fairfax County Virginia | 27 | $ 12,280,000 | $ 454,000 | $ 165,000 |
Falls Church County Virginia | 1 | $ 330,000 | $ 330,000 | $ 49,000 |
Fauquier County Virginia | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
Flagler County Florida | 1 | $ 183,000 | $ 183,000 | $ 71,000 |
Forsyth County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 124,000 |
Franklin City County Virginia | 1 | $ 158,000 | $ 158,000 | $ 29,000 |
Franklin County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 89,000 |
Franklin County Virginia | 1 | $ 360,000 | $ 360,000 | $ 135,000 |
Frederick County Maryland | 2 | $ 526,000 | $ 263,000 | $ 83,000 |
Frederick County Virginia | 1 | $ 258,000 | $ 258,000 | $ 179,000 |
Fredericksburg County Virginia | 1 | $ 417,000 | $ 417,000 | $ 110,000 |
Gates County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 114,000 |
Gloucester County Virginia | 9 | $ 1,923,000 | $ 213,000 | $ 72,000 |
Goochland County Virginia | 7 | $ 1,695,000 | $ 242,000 | $ 109,000 |
Greenville County South Carolina | 8 | $ 512,000 | $ 64,000 | $ 0 |
Guilford County North Carolina | 2 | $ 408,000 | $ 204,000 | $ 65,000 |
Hampton County Virginia | 68 | $ 16,359,000 | $ 240,000 | $ 76,000 |
Hanover County Virginia | 54 | $ 16,219,000 | $ 300,000 | $ 108,000 |
Harford County Maryland | 24 | $ 5,401,000 | $ 225,000 | $ 81,000 |
Henrico County Virginia | 112 | $ 22,061,000 | $ 196,000 | $ 83,000 |
Hertford County North Carolina | 1 | $ 229,000 | $ 229,000 | $ 113,000 |
Hopewell County Virginia | 15 | $ 2,206,000 | $ 147,000 | $ 68,000 |
Howard County Maryland | 3 | $ 2,026,000 | $ 675,000 | $ 176,000 |
Huntingdon County Pennsylvania | 3 | $ 396,000 | $ 132,000 | $ 77,000 |
Hyde County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
Iredell County North Carolina | 2 | $ 294,000 | $ 147,000 | $ 28,000 |
Isle of Wight County Virginia | 9 | $ 2,061,000 | $ 229,000 | $ 72,000 |
James City County Virginia | 40 | $ 15,084,000 | $ 377,000 | $ 164,000 |
Jefferson County West Virginia | 1 | $ 158,000 | $ 158,000 | $ 0 |
Juniata County Pennsylvania | 11 | $ 1,222,000 | $ 111,000 | $ 45,000 |
Kent County Delaware | 1 | $ 188,000 | $ 188,000 | $ 50,000 |
King and Queen County Virginia | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
King George County Virginia | 1 | $ 280,000 | $ 280,000 | $ 39,000 |
King William County Virginia | 4 | $ 832,000 | $ 208,000 | $ 59,000 |
Lancaster County Pennsylvania | 1,101 | $ 138,743,000 | $ 126,000 | $ 70,000 |
Lebanon County Pennsylvania | 497 | $ 48,798,000 | $ 98,000 | $ 67,000 |
Lehigh County Pennsylvania | 4 | $ 504,000 | $ 126,000 | $ 85,000 |
Loudoun County Virginia | 13 | $ 5,487,000 | $ 422,000 | $ 113,000 |
Louisa County Virginia | 2 | $ 399,000 | $ 199,000 | $ 66,000 |
Luzerne County Pennsylvania | 2 | $ 144,000 | $ 72,000 | $ 33,000 |
Lycoming County Pennsylvania | 13 | $ 1,194,000 | $ 91,000 | $ 63,000 |
Lynchburg County Virginia | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
Manassas County Virginia | 2 | $ 153,000 | $ 76,000 | $ 87,000 |
Marion County Florida | 1 | $ 790,000 | $ 790,000 | $ 231,000 |
Mecklenburg County North Carolina | 3 | $ 523,000 | $ 174,000 | $ 48,000 |
Merrimack County New Hampshire | 1 | $ 192,000 | $ 192,000 | $ 33,000 |
Miami-Dade County Florida | 3 | $ 1,460,000 | $ 486,000 | $ 289,000 |
Middlesex County New Jersey | 1 | $ 312,000 | $ 312,000 | $ 0 |
Middlesex County Virginia | 3 | $ 1,110,000 | $ 370,000 | $ 119,000 |
Mifflin County Pennsylvania | 32 | $ 2,595,000 | $ 81,000 | $ 44,000 |
Monroe County Pennsylvania | 4 | $ 1,096,000 | $ 274,000 | $ 125,000 |
Montgomery County Maryland | 11 | $ 10,877,000 | $ 988,000 | $ 379,000 |
Montgomery County Pennsylvania | 47 | $ 8,901,000 | $ 189,000 | $ 81,000 |
Montgomery County Virginia | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
Montour County Pennsylvania | 11 | $ 1,868,000 | $ 169,000 | $ 64,000 |
Morris County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 119,000 |
Nelson County Virginia | 1 | $ 417,000 | $ 417,000 | $ 391,000 |
New Castle County Delaware | 2 | $ 502,000 | $ 251,000 | $ 72,000 |
New Hanover County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 114,000 |
New Kent County Virginia | 13 | $ 3,765,000 | $ 289,000 | $ 132,000 |
Newberry County South Carolina | 1 | $ 304,000 | $ 304,000 | $ 200,000 |
Newport News County Virginia | 81 | $ 13,558,000 | $ 167,000 | $ 78,000 |
Norfolk County Virginia | 88 | $ 15,321,000 | $ 174,000 | $ 66,000 |
Northampton County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 267,000 |
Northampton County Pennsylvania | 5 | $ 699,000 | $ 139,000 | $ 49,000 |
Northampton County Virginia | 3 | $ 740,000 | $ 246,000 | $ 146,000 |
Northumberland County Pennsylvania | 34 | $ 2,565,000 | $ 75,000 | $ 42,000 |
Nottoway County Virginia | 1 | $ 247,000 | $ 247,000 | $ 76,000 |
Ocean County New Jersey | 1 | $ 225,000 | $ 225,000 | $ 0 |
Osceola County Florida | 3 | $ 1,137,000 | $ 379,000 | $ 196,000 |
Oswego County New York | 1 | $ 2,000 | $ 2,000 | $ 21,000 |
Perquimans County North Carolina | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
Perry County Pennsylvania | 15 | $ 1,278,000 | $ 85,000 | $ 67,000 |
Petersburg County Virginia | 11 | $ 1,357,000 | $ 123,000 | $ 57,000 |
Philadelphia County Pennsylvania | 25 | $ 4,344,000 | $ 173,000 | $ 86,000 |
Pinellas County Florida | 1 | $ 732,000 | $ 732,000 | $ 667,000 |
Polk County Florida | 1 | $ 74,000 | $ 74,000 | $ 117,000 |
Poquoson County Virginia | 12 | $ 2,797,000 | $ 233,000 | $ 77,000 |
Portsmouth County Virginia | 34 | $ 4,557,000 | $ 134,000 | $ 51,000 |
Potter County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 72,000 |
Powhatan County Virginia | 2 | $ 1,139,000 | $ 569,000 | $ 142,000 |
Prince Edward County Virginia | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
Prince George County Virginia | 15 | $ 3,085,000 | $ 205,000 | $ 78,000 |
Prince George's County Maryland | 37 | $ 26,380,000 | $ 712,000 | $ 174,000 |
Prince William County Virginia | 7 | $ 2,086,000 | $ 298,000 | $ 170,000 |
Putnam County Florida | 2 | $ 384,000 | $ 192,000 | $ 68,000 |
Randolph County North Carolina | 1 | $ 366,000 | $ 366,000 | $ 147,000 |
Richmond City County Virginia | 92 | $ 18,363,000 | $ 199,000 | $ 112,000 |
Richmond County Virginia | 2 | $ 483,000 | $ 241,000 | $ 42,000 |
Roanoke County Virginia | 2 | $ 628,000 | $ 314,000 | $ 121,000 |
Schuylkill County Pennsylvania | 111 | $ 9,135,000 | $ 82,000 | $ 63,000 |
Seminole County Florida | 1 | $ 468,000 | $ 468,000 | $ 0 |
Shenandoah County Virginia | 1 | $ 200,000 | $ 200,000 | $ 158,000 |
Siskiyou County California | 1 | $ 417,000 | $ 417,000 | $ 144,000 |
Smyth County Virginia | 2 | $ 205,000 | $ 102,000 | $ 74,000 |
Snyder County Pennsylvania | 10 | $ 1,022,000 | $ 102,000 | $ 48,000 |
Southampton County Virginia | 6 | $ 1,540,000 | $ 256,000 | $ 80,000 |
Spartanburg County South Carolina | 4 | $ 321,000 | $ 80,000 | $ 0 |
Spotsylvania County Virginia | 1 | $ 328,000 | $ 328,000 | $ 137,000 |
St. Johns County Florida | 2 | $ 470,000 | $ 235,000 | $ 62,000 |
St. Lucie County Florida | 32 | $ 4,749,000 | $ 148,000 | $ 74,000 |
St. Mary's County Maryland | 1 | $ 346,000 | $ 346,000 | $ 101,000 |
Suffolk County Virginia | 36 | $ 8,012,000 | $ 222,000 | $ 79,000 |
Sumter County Florida | 1 | $ 175,000 | $ 175,000 | $ 221,000 |
Surry County Virginia | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
Sussex County Delaware | 16 | $ 6,876,000 | $ 429,000 | $ 292,000 |
Sussex County Virginia | 2 | $ 272,000 | $ 136,000 | $ 77,000 |
Tyrrell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
Vega Baja County Puerto Rico | 1 | $ 5,000 | $ 5,000 | $ 11,000 |
Virginia Beach County Virginia | 244 | $ 55,938,000 | $ 229,000 | $ 93,000 |
Wake County North Carolina | 1 | $ 2,720,000 | $ 2,720,000 | $ 746,000 |
Washington County Maryland | 2 | $ 438,000 | $ 219,000 | $ 51,000 |
Westmoreland County Virginia | 1 | $ 263,000 | $ 263,000 | $ 172,000 |
Williamsburg County Virginia | 1 | $ 147,000 | $ 147,000 | $ 52,000 |
Worcester County Maryland | 4 | $ 952,000 | $ 238,000 | $ 123,000 |
Wythe County Virginia | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
York County Pennsylvania | 815 | $ 110,955,000 | $ 136,000 | $ 80,000 |
York County Virginia | 28 | $ 6,694,000 | $ 239,000 | $ 95,000 |
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 |
---|---|---|---|---|---|---|
Home Purchase | 3,107 | $578,178,000 | $186,000 | $4,740,000 | $80,000 | $3,197,000 |
Refinancing | 1,901 | $332,743,000 | $175,000 | $1,950,000 | $84,000 | $1,538,000 |
Home Improvement | 963 | $68,143,000 | $70,000 | $1,690,000 | $66,000 | $1,000,000 |
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 | 4,372 | $664,102,000 | $151,000 | $3,370,000 | $81,000 | $3,197,000 |
Not Provided | 677 | $124,144,000 | $183,000 | $2,344,000 | $97,000 | $2,441,000 |
Black or African American | 472 | $115,308,000 | $244,000 | $2,720,000 | $74,000 | $746,000 |
Hispanic | 252 | $28,681,000 | $113,000 | $556,000 | $50,000 | $237,000 |
Not applicable | 106 | $33,127,000 | $312,000 | $4,740,000 | $0 | $0 |
Asian | 72 | $11,206,000 | $155,000 | $665,000 | $68,000 | $212,000 |
American Indian or Alaskan Native | 11 | $1,312,000 | $119,000 | $277,000 | $42,000 | $97,000 |
Native Hawaiian or Other Pacific Islander | 9 | $1,184,000 | $131,000 | $417,000 | $52,000 | $114,000 |
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) | 4,644 | $749,343,000 | $161,000 | $4,740,000 | $86,000 | $3,197,000 |
FHA-insured (Federal Housing Administration) | 972 | $159,538,000 | $164,000 | $571,000 | $56,000 | $310,000 |
VA-guaranteed (Veterans Administration) | 290 | $64,688,000 | $223,000 | $633,000 | $64,000 | $266,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $5,495,000 | $84,000 | $180,000 | $35,000 | $56,000 |
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 | 4,311 | $703,783,000 | $163,000 | $4,740,000 | $83,000 | $3,197,000 |
Application Denied By Financial Institution | 570 | $79,455,000 | $139,000 | $1,700,000 | $58,000 | $560,000 |
Application Withdrawn By Applicant | 495 | $105,225,000 | $212,000 | $2,344,000 | $94,000 | $2,441,000 |
Preapproval Denied by Financial Institution | 401 | $57,023,000 | $142,000 | $639,000 | $50,000 | $318,000 |
Application Approved But Not Accepted | 167 | $30,496,000 | $182,000 | $2,720,000 | $84,000 | $746,000 |
Loan Purchased By The Institution | 19 | $2,424,000 | $127,000 | $468,000 | $0 | $0 |
File Closed For Incompleteness | 8 | $658,000 | $82,000 | $277,000 | $54,000 | $78,000 |
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 | 437 | $46,133,000 | $105,000 | $612,000 | $53,000 | $318,000 |
Debt-To-Income Ratio | 381 | $66,946,000 | $175,000 | $1,700,000 | $52,000 | $311,000 |
Collateral | 58 | $9,316,000 | $160,000 | $612,000 | $64,000 | $197,000 |
Other | 35 | $4,666,000 | $133,000 | $440,000 | $80,000 | $560,000 |
Employment History | 22 | $2,926,000 | $133,000 | $364,000 | $54,000 | $154,000 |
Credit Application Incomplete | 17 | $3,315,000 | $195,000 | $520,000 | $62,000 | $190,000 |
Unverifiable Information | 12 | $1,496,000 | $124,000 | $240,000 | $44,000 | $92,000 |
Mortgage Insurance Denied | 5 | $1,088,000 | $217,000 | $378,000 | $95,000 | $188,000 |
Insufficient Cash (Downpayment, Closing Cost) | 4 | $592,000 | $148,000 | $256,000 | $64,000 | $103,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fulton Bank's 2008 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'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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