# Fulton Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/fulton-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fulton Bank, National Association is a bank, headquartered in Lancaster, PA, serving borrowers across 10 states, with 2,579 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** DZC62HF6UIZYJ08V1J90
- **Headquarters:** Lancaster, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** DC, DE, FL, MD, NC, NJ, PA, SC, VA, WV
- **Markets (MSAs):** 28
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.6%
- **Brokered/Wholesale:** 1.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.307%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,043
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,579
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 3,889
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $494,814
- **Average Borrower Income:** $212,172
- **Average Property Value:** $618,730

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 1,924 | +0.330% | $2,210 | Exceptional 🤩 |
| FHA | 72/100 | 206 | +0.264% | $1,947 | Strong 😀 |
| VA | 66/100 | 61 | -0.319% | $3,455 | Strong 😀 |
| Jumbo | 89/100 | 380 | +0.304% | $847 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,803 loans, Score: 81/100 (Exceptional)
- Refinance: 121 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 189 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 57 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 355 loans, Score: 89/100 (Exceptional)
- Refinance: 25 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,412 | $1.2B | +0.304% | Exceptional 🤩 |
| Refinance | 68/100 | 167 | $81M | +0.346% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 1,232 | 1.02% | 89/100 |
| VA | 509 | 0.47% | 81/100 |
| MD | 361 | 0.51% | 76/100 |
| NJ | 279 | 0.33% | 75/100 |
| DE | 111 | 0.78% | 69/100 |
| DC | 53 | 0.93% | 65/100 |
| NC | 23 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lancaster, PA | PA | 285 | 98/100 |
| Non |  | 266 | 62/100 |
| Baltimore | MD | 231 | 76/100 |
| York | PA | 182 | 80/100 |
| Charlottesville, VA | VA | 135 | 91/100 |
| Lakewood | NJ | 131 | 72/100 |
| Harrisburg | PA | 127 | 81/100 |
| Reading, PA | PA | 118 | 80/100 |
| Richmond, VA | VA | 117 | 72/100 |
| Montgomery County | PA | 112 | 72/100 |
| Arlington | VA-WV | 96 | 65/100 |
| Philadelphia, PA | PA | 94 | 69/100 |
| Virginia Beach | VA-NC | 89 | 65/100 |
| Allentown | PA-NJ | 84 | 72/100 |
| Washington, DC | DC-MD | 77 | 67/100 |

## Where This Lender Ranks

Fulton Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lancaster, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lancaster, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Lebanon, PA Banks
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/banks)
- 🥇 **#1** in Wilmington, DE for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Wilmington, DE for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Lancaster, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Charlottesville, VA Banks
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks)
- 🥈 **#2** in Charlottesville, VA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Charlottesville, VA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Harrisburg for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Lancaster, PA Banks
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in York Banks
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks)
- 🥉 **#3** in York for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in York for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Charlottesville, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Harrisburg for Jumbo Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Allentown for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Allentown for Jumbo Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Allentown for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Reading, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Fulton Bank, National Association offer?

Fulton Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fulton Bank, National Association offer mortgages?

Fulton Bank, National Association offers mortgages in 10 states: DC, DE, FL, MD, NC, NJ, PA, SC, VA, WV.

### How competitive are Fulton Bank, National Association's mortgage rates?

Fulton Bank, National Association has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.307% above market average.

### What type of lender is Fulton Bank, National Association?

Fulton Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lancaster, PA.

### What is Fulton Bank, National Association's loan approval success rate?

Fulton Bank, National Association has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fulton-bank-national-association

### How to Cite

> "Fulton Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fulton-bank-national-association

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