Applications / Mortgage Analytics / Lenders / Pennsylvania / Fulton Bank
Lancaster, PA · National bank · OCC · $32.0 billion assets · 6,400 loans in 2025
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6,400
loans originated, 2025
9,755
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fulton Bank is a Pennsylvania lender that ranked 2 of 365 in Lancaster, PA and grew originations 10% in 2025, in step with the whole market and faster than most similar lenders.
Originations rose 10% to 6,400, against 2% for similar lenders (national banks making between half and twice as many loans) and 10% for the whole market, faster than more than two-thirds of them. That is still about half the 12,283 of 2020, the high point of its record since 2018.
It made 35.4% of its loans to LMI (low- and moderate-income) borrowers, against 27.1% at similar lenders, more than two-thirds of them, and 19.5% in LMI areas, against 17.6%, higher than about four in five. Both shares rose from 28.2% and 14.3% five years before.
In Lancaster its share edged up to 6.8% from 6.7%, behind Guild Mortgage Company and ahead of Members 1st Federal Credit Union; it has lent there since before 1990. In the larger metros it is a smaller presence, ranking 34 of 784 in Philadelphia and 76 of 802 in New York.
Home improvement made up 19.1% of its loans, and 14.3% were jumbo (larger than the conforming limit), against 5.3% at peers. Its typical loan, $205,000, was below the $245,000 at peers, which its smaller home-improvement loans may pull down. Only 0.6% of loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fulton Bank took 9,755 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.8% · Home improvement 19.1% · Refinance 16.9% · Other 11.2%
Conventional 95.3% · FHA 3.8% · VA 0.9% · USDA (RHS or FSA) 0.0% · of 6,400 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 3,211 | 50.2% |
| New Jersey | 1,233 | 19.3% |
| Virginia | 797 | 12.5% |
| Maryland | 744 | 11.6% |
| Delaware | 289 | 4.5% |
| District of Columbia | 70 | 1.1% |
| North Carolina | 24 | 0.4% |
| West Virginia | 19 | 0.3% |
| Florida | 6 | 0.1% |
| South Carolina | 4 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 899 |
| Baltimore-Columbia-Towson | 449 |
| York-Hanover | 413 |
| Camden | 389 |
| Lakewood-New Brunswick | 377 |
| Montgomery County-Bucks County-Chester County | 294 |
| Harrisburg-Carlisle | 276 |
| Reading | 272 |
| Richmond | 247 |
| Allentown-Bethlehem-Easton | 238 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | DZC62HF6UIZYJ08V1J90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 474919 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 37551 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 124891 | 2009–2017 |
Established 1 January 1882. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fulton Bank's data.
Fulton Bank's data
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Fulton Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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