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Fulton Bank


Our offices will be closed on Thursday, November 26, 2020 in observance of Thanksgiving. Mobile deposits submitted after 7 p.m. today (Wednesday) until 7 p.m. Friday, will have funds available on Saturday.  Here’s to family get-togethers, parades, and football. 
Frank Stephen Kolencik
Frank Stephen Kolencik Senior Loan Officer

Frank $ Kolencik has over 26 years’ experience in the mortgage services industry and is a Senior Loan Officer for Fulton Mortgage Company, a division of Fulton Bank. He takes pride in helping his clients find the right mortgage solution.

Frank $ specializes in:

  • White Coat & Investor Home Mortgage Loans for Medical Doctors & Physicians, including DO, DDS, DMD, VMD, PHARMD, VETD, Fellows and Residents
    • 100% financing for up to $1 million, 95% financing for up to $1.5 million, 90% financing for up to $2 million 
    • No PMI
    • Owner Occupied
  • 3% Down with No PMI
  • Buying "Non-Contingent"   
  • Construction Perm and Renovation
  • 5% Down JUMBO


  • University of Maryland, College Park- Bachelor of Science (BS) College of Education
  • Unsung Hero and 4 Year Football Letterman for Terrapins

Community Involvement:

  • Fair & Responsible Banking Team Member
  • Knights of Columbus
  • Chamber of Commerce
  • American Diabetes Association, Walk to Stop Diabetes       
  • High School and Youth Football Coach


  • Qualified VHDA Trainer
  • President's Award


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