Fulton Savings Bank mortgage approval rate & lending review
Fulton Savings Bank decided 496 mortgage applications and funded 467 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fulton Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fulton Savings Bank at a glance
Approval is 16.3 points above the 81.3% 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 | 98% | 280 / 287 | 98% | $165K | 273 |
| Home improvement loans | 97% | 83 / 86 | 94% | $35K | 78 |
| Refinance | 98% | 65 / 66 | 97% | $115K | 63 |
| Investment property purchase | 100% | 43 / 43 | 95% | $115K | 41 |
Fulton Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 98% | $165K | 496 | 467 |
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 Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oswego County, NY | Mortgage lenders | 97% | 209 | 196 |
| Onondaga County, NY | Mortgage lenders | 99% | 71 | 70 |
| Oswego County, NY | Home improvement loans | 97% | 60 | 55 |
| Oswego County, NY | Refinance | 98% | 51 | 48 |
| Oswego County, NY | Investment property purchase | 100% | 32 | 31 |
| Onondaga County, NY | Home improvement loans | 100% | 24 | 22 |
The county markets where Fulton Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Fulton Savings Bank
What is Fulton Savings Bank's mortgage approval rate?
Fulton Savings Bank approved 97.6% of the 496 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.3 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan Fulton Savings Bank offers?
Borrowers accepted 96% of the loans Fulton Savings Bank 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 Savings Bank make?
The typical home purchase mortgage loan Fulton Savings Bank made was $165K; across all loan types its typical loan ran from $35K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fulton Savings Bank lend?
Fulton Savings Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Fulton Savings Bank directly?
Yes. Fulton Savings Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fulton Savings Bank'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 Savings Bank treats applications, then get a rate quote from the lender.