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Fulton Bank, National Association
Bank|Lancaster, PA|Multi-Region
Loans Originated
2,579
Applications
3,889
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.307%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,043
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Fulton Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 28 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$494,814
Average Borrower Income
$212,172
Average Property Value
$618,730
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 1,924 | 74.6% | +0.330% | $2,210 |
FHA Loans | Strong | Strong | Strong | Sound | 206 | 8.0% | +0.264% | $1,947 |
VA Loans | Sound | Strong | Acceptable | Sound | 61 | 2.4% | -0.319% | $3,455 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 380 | 14.7% | +0.304% | $847 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Sound | 2,412 | 93.5% | +0.304% | $2,053 |
Refinance | Sound | Strong | Acceptable | Sound | 167 | 6.5% | +0.346% | $1,941 |
Geographic Coverage
Metro Areas
27
States Served
10
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCDEFLMDNCNJPASCVAWV
Top Metro Areas by Place Specialization Score
1
Lancaster, PA, PAMSA
Volume: 285Mix: 11.05%
Place Specialization
Exceptional
2
Charlottesville, VA, VAMSA
Volume: 135Mix: 5.23%
Place Specialization
Exceptional
3
Harrisburg, PAMSA
Volume: 127Mix: 4.92%
Place Specialization
Exceptional
4
York, PAMSA
Volume: 182Mix: 7.06%
Place Specialization
Exceptional
5
Reading, PA, PAMSA
Volume: 118Mix: 4.58%
Place Specialization
Strong
6
Baltimore, MDMSA
Volume: 231Mix: 8.96%
Place Specialization
Strong
7
Lebanon, PA, PAMSA
Volume: 52Mix: 2.02%
Place Specialization
Strong
8
Montgomery County, PAMSA
Volume: 112Mix: 4.34%
Place Specialization
Strong
9
Allentown, PA-NJMSA
Volume: 84Mix: 3.26%
Place Specialization
Strong
10
Lakewood, NJMSA
Volume: 131Mix: 5.08%
Place Specialization
Strong
Showing 10 of 27 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 1,232Mix: 47.77%
Place Specialization
Exceptional
2
VAState
Volume: 509Mix: 19.74%
Place Specialization
Exceptional
3
MDState
Volume: 361Mix: 14.00%
Place Specialization
Strong
4
NJState
Volume: 279Mix: 10.82%
Place Specialization
Strong
5
DEState
Volume: 111Mix: 4.30%
Place Specialization
Strong
6
DCState
Volume: 53Mix: 2.06%
Place Specialization
Strong
7
NCState
Volume: 23Mix: 0.89%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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