Fulton Bank, National Association mortgage approval rate & lending review
Fulton Bank, National Association decided 18,381 mortgage applications and funded 13,897 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fulton Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fulton Bank, National Association at a glance
Approval is 0.8 points below the 78.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 7,890 / 9,004 | 99% | $255K | 7,786 |
| Home improvement loans | 65% | 3,091 / 4,745 | 97% | $85K | 3,002 |
| Cash-out refinance | 79% | 219 / 276 | 98% | $215K | 214 |
| Refinance | 73% | 2,041 / 2,805 | 98% | $155K | 1,996 |
| Investment property purchase | 70% | 534 / 762 | 96% | $205K | 514 |
| Investment cash-out refinance | 56% | 22 / 39 | 100% | $255K | 22 |
| Investment refinance | 58% | 124 / 213 | 90% | $245K | 111 |
| Investment home improvement | 48% | 258 / 537 | 98% | $115K | 252 |
Fulton Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 79% | $225K | 9,108 | 7,076 |
| New Jersey | 69% | $215K | 3,655 | 2,480 |
| Maryland | 77% | $365K | 2,646 | 1,998 |
| Virginia | 85% | $595K | 1,616 | 1,350 |
| Delaware | 76% | $305K | 973 | 718 |
| District of Columbia | 72% | $605K | 248 | 175 |
| North Carolina | 77% | $715K | 57 | 44 |
| Florida | 74% | $375K | 27 | 20 |
| West Virginia | 87% | $255K | 23 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fulton Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, PA | Mortgage lenders | 93% | 1,204 | 1,103 |
| York County, PA | Mortgage lenders | 90% | 695 | 625 |
| Lancaster County, PA | Home improvement loans | 79% | 685 | 528 |
| Berks County, PA | Mortgage lenders | 86% | 503 | 431 |
| Lancaster County, PA | Refinance | 81% | 488 | 389 |
| Baltimore County, MD | Mortgage lenders | 83% | 389 | 313 |
| Baltimore city, MD | Mortgage lenders | 83% | 389 | 313 |
| Philadelphia County, PA | Mortgage lenders | 82% | 390 | 313 |
| Dauphin County, PA | Mortgage lenders | 84% | 323 | 271 |
| Albemarle County, VA | Mortgage lenders | 96% | 271 | 255 |
| Ocean County, NJ | Mortgage lenders | 91% | 275 | 250 |
| Gloucester County, NJ | Home improvement loans | 64% | 332 | 205 |
The county markets where Fulton Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Fulton Bank, National Association
What is Fulton Bank, National Association's mortgage approval rate?
Fulton Bank, National Association approved 77.1% of the 18,381 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.8 points below the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan Fulton Bank, National Association offers?
Borrowers accepted 98% of the loans Fulton Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fulton Bank, National Association make?
The typical home purchase mortgage loan Fulton Bank, National Association made was $255K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fulton Bank, National Association lend?
Fulton Bank, National Association decided applications in 16 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Maryland.
Can I apply to Fulton Bank, National Association directly?
Yes. Fulton Bank, National Association is a bank or credit union with 207 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fulton Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fulton Bank, National Association treats applications, then get a rate quote from the lender.