Applications / Mortgage Analytics / Lenders / New York / Fulton Savings Bank
Fulton, NY · Savings institution · FDIC · $490 million assets · 192 loans in 2025
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192
loans originated, 2025
210
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fulton Savings Bank, a small savings bank near Syracuse, lends more to modest earners and poorer neighborhoods than most similar savings institutions.
Its typical loan was $135,000, against $230,000 at similar lenders (savings institutions making between half and twice as many loans), smaller than at about nine in ten of them. Its loans totaled $31.8 million, against $56.7 million. Home purchases made up 62.0% of them, and it made no jumbo loans.
Low- and moderate-income (LMI) borrowers took 37.5% of its loans, against 24.7%, more than at about nine in ten similar lenders. LMI neighborhoods took 26.2%, against 15.8%. Both are up from five years before, when they were 29.9% and 17.3%.
It has lent in Syracuse since at least 1990 and ranks 26 of 246 lenders there. Empower Federal Credit Union leads. Its share slipped 0.1 points to 1.2%, a change that may reflect a handful of loans.
It made 192 loans, up 6%, near the middle of similar lenders, which grew 8%. It turned down 1.8% of home-purchase applications, against 7.3% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Savings Bank took 210 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.0% · Refinance 15.1% · Home improvement 11.5% · Other 11.5%
Conventional 100.0% · of 192 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 |
|---|---|---|
| New York | 192 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 181 |
| Watertown-Fort Drum | 3 |
| Utica-Rome | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 95JW06YV3JUTCH0IJV88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 900502 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315966 | 1990–2017 |
Established 1 January 1871. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fulton Savings Bank's data.
Fulton Savings Bank's data
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Fulton Savings 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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