Skip to main content
Fulton Bank
Adjust Text Size:
Expand font size menu

You are currently viewing the site with information specific to your location. To update your location, change your zip code above.

Fulton Bank
Frank Stephen Kolencik
Frank Stephen Kolencik Senior Loan Officer

Frank $ Kolencik has over 25 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 Loans for Medical Doctors & Physicians, including DO, DDS, DMD, VMD, PHARMD, VETD, Fellows and Residents - 100% financing, 0 Down to $1,500,000 with no PMI
  • Investor Loans
  • First-Time Homebuyers
  • Construction Perm-and Renovation
  • 2nd Homes


  • 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
  • Certified VHDA Trainer
  • High School and Youth Football Coach

Questions? Let's connect.

I'm here to help you through your journey. Fill out my contact form and I'll reach out to you with next steps.