We analyzed every closed loan from Fulton Bank — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 27 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Fulton Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 28 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,924 | 74.6% | +0.330%Above | $2,210Fees | ||||
FHA Loans | 206 | 8.0% | +0.264%Above | $1,947Fees | ||||
VA Loans | 61 | 2.4% | -0.319%Below | $3,455Fees | ||||
Jumbo Loans | 380 | 14.7% | +0.304%Above | $847Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,924
Mix74.6%
Spread
+0.330%Above
Fees
$2,210Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume206
Mix8.0%
Spread
+0.264%Above
Fees
$1,947Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume61
Mix2.4%
Spread
-0.319%Below
Fees
$3,455Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume380
Mix14.7%
Spread
+0.304%Above
Fees
$847Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,412 | 93.5% | +0.304%Above | $2,053Fees | ||||
Refinance | 167 | 6.5% | +0.346%Above | $1,941Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume2,412
Mix93.5%
Spread
+0.304%Above
Fees
$2,053Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume167
Mix6.5%
Spread
+0.346%Above
Fees
$1,941Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,579
Applications
3,889
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.307%
vs. market APOR
Avg Net Fees
$2,043
Origination − Credits
Pullthrough Rate
66.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$494,814
Avg Borrower Income
$212,172
Avg Property Value
$618,730
Geographic Coverage
Geographic Performance
Metro Areas
27
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Northeast2
NJPA
South8
DCDEFLMDNCSCVAWV
Top Metro Areas by Place Specialization Score
Volume 285Mix 11.05% of portfolio
98/100
Exceptional
Volume 135Mix 5.23% of portfolio
91/100
Exceptional
Volume 127Mix 4.92% of portfolio
81/100
Exceptional
Volume 182Mix 7.06% of portfolio
80/100
Exceptional
Volume 118Mix 4.58% of portfolio
80/100
Strong
Volume 231Mix 8.96% of portfolio
76/100
Strong
Volume 52Mix 2.02% of portfolio
74/100
Strong
Volume 112Mix 4.34% of portfolio
72/100
Strong
Volume 84Mix 3.26% of portfolio
72/100
Strong
Volume 131Mix 5.08% of portfolio
72/100
StrongShowing 10 of 27 metro areas
Top States by Place Specialization Score
1
PennsylvaniaState
Volume 1,232Mix 47.77% of portfolio
89/100
Exceptional2
VirginiaState
Volume 509Mix 19.74% of portfolio
81/100
Exceptional3
MarylandState
Volume 361Mix 14.00% of portfolio
76/100
Strong4
New JerseyState
Volume 279Mix 10.82% of portfolio
75/100
Strong5
DelawareState
Volume 111Mix 4.30% of portfolio
69/100
Strong6
Washington, DCState
Volume 53Mix 2.06% of portfolio
65/100
Strong7
North CarolinaState
Volume 23Mix 0.89% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.