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
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
Fulton Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.7 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,924 loans · 0.33% above market
Exceptional
Top 20% of lenders
5/5
FHA
206 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
VA
61 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
Jumbo
380 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,412 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
Refinance
167 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 28 markets
Strong
Top 40% of lenders
4/5
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
10Full-year 2024 · HMDALoans originated
< 5050–100100–200200–500500+None
Northeast2
NJPA
South8
DCDEFLMDNCSCVAWV
Top Metro Areas by Place Specialization Score
Showing 10 of 27 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Fulton Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.