Fulton Bank Mortgage Rates, Fees & Info

Lancaster, PA

LEI: DZC62HF6UIZYJ08V1J90

Tax ID: 23-1928421

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Fulton Bank is a small bank specializing in Home Purchase loans. Fulton Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lancaster, Philadelphia, York, Reading, and Virginia Beach among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fulton Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fulton Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.94% 4/21/24
    30 Year Conventional Purchase 6.59% 4/21/24
    30 Year Conventional Refi 6.56% 4/21/24
    30 Year Cash-out Refi 6.71% 4/21/24
    30 Year FHA Purchase 7.29% 4/21/24
    30 Year FHA Refi 7.31% 4/21/24
    30 Year VA Purchase 6.17% 4/21/24
    30 Year USDA Purchase 6.71% 4/21/24
    15 Year Conventional Purchase 6.19% 4/21/24
    15 Year Conventional Refi 6.07% 4/21/24
    15 Year Cash-out Refi 6.07% 4/21/24
    15 Year FHA Purchase 5.68% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Fulton Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Fulton Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,931

    Origination Dollar Volume (All Markets)

    $1,184,115,000

    Employee count

    1,366 Show all (17) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LANCASTER, PA (FHA|USDA|VA) 1,374 $198,700,000 $144,614 $3,704 4.05%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 766 $168,260,000 $219,661 $4,001 4.27%
    YORK-HANOVER, PA (FHA|USDA|VA) 537 $90,645,000 $168,799 $3,465 4.47%
    READING, PA (FHA|USDA|VA) 550 $87,180,000 $158,509 $3,982 4.36%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 359 $85,175,000 $237,256 $4,488 4.45%
    RICHMOND, VA (FHA|USDA|VA) 255 $71,475,000 $280,294 $4,023 4.67%
    SALISBURY, MD-DE (FHA|USDA|VA) 205 $69,475,000 $338,902 $4,081 4.17%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 188 $68,210,000 $362,819 $3,961 4.58%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 380 $63,210,000 $166,342 $3,419 4.27%
    LEBANON, PA (FHA|USDA|VA) 417 $53,605,000 $128,549 $3,614 4.15%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 117 $51,975,000 $444,231 $5,756 4.43%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 85 $29,255,000 $344,176 $7,654 4.49%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 40 $27,370,000 $684,250 $6,671 4.27%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 123 $17,885,000 $145,407 $4,040 4.33%
    Outside of Metro Areas 53 $13,645,000 $257,453 $4,149 4.43%
    Sunbury, PA (FHA|USDA|VA) 97 $9,005,000 $92,835 $3,494 4.21%
    OCEAN CITY, NJ (FHA|USDA|VA) 12 $8,250,000 $687,500 $6,279 4.06%
    Pottsville, PA (FHA|USDA|VA) 69 $7,425,000 $107,609 $3,773 4.11%
    HARRISONBURG, VA (FHA|USDA|VA) 4 $6,850,000 $1,712,500 $3,501 4.57%
    Lewisburg, PA (FHA|USDA|VA) 35 $6,545,000 $187,000 $4,912 3.72%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 23 $6,215,000 $270,217 $4,855 4.62%
    GETTYSBURG, PA (FHA|USDA|VA) 32 $5,870,000 $183,438 $4,847 4.51%
    Selinsgrove, PA (FHA|USDA|VA) 73 $5,865,000 $80,342 $3,641 3.70%
    Heber, UT (FHA|USDA|VA) 2 $5,610,000 $2,805,000 $9,421 4.63%
    STATE COLLEGE, PA (FHA|USDA|VA) 20 $4,110,000 $205,500 $3,798 3.90%
    DOVER, DE (FHA|USDA|VA) 20 $3,930,000 $196,500 $4,438 4.36%
    WILLIAMSPORT, PA (FHA|USDA|VA) 26 $3,740,000 $143,846 $3,205 4.05%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 16 $2,220,000 $138,750 $3,713 3.98%
    Easton, MD (FHA|USDA|VA) 3 $1,485,000 $495,000 $4,463 4.42%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,420,000 $355,000 $3,829 4.78%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $1,130,000 $565,000 $6,261 4.56%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,500 4.13%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $820,000 $410,000 $5,105 4.50%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $635,000 $211,667 $4,335 4.71%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $630,000 $315,000 $2,985 4.81%
    Lewistown, PA (FHA|USDA|VA) 9 $585,000 $65,000 $3,027 4.14%
    Lock Haven, PA (FHA|USDA|VA) 2 $510,000 $255,000 $3,745 4.44%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $455,000 $455,000 $3,274 3.88%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $415,000 $138,333 $4,080 4.21%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,754 4.13%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $335,000 $111,667 $6,376 4.25%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $305,000 $305,000 $9,311 4.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $290,000 $72,500 $2,585 4.31%
    Martinsville, VA (FHA|USDA|VA) 1 $275,000 $275,000 $3,212 4.38%
    Cambridge, MD (FHA|USDA|VA) 1 $275,000 $275,000 $3,380 4.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,859 4.75%
    STAUNTON, VA (FHA|USDA|VA) 2 $250,000 $125,000 $2,680 3.62%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $3,601 4.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $6,259 5.00%
    Elizabeth City, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,644 5.13%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,517 5.63%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,840 5.13%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $115,000 $115,000 $5,368 4.63%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $45,000 $45,000 $3,068 4.25%
    Fulton Bank's top markets include Lancaster, Philadelphia, York, Reading, and Virginia Beach among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Fulton Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    POINT BREEZE
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    Similarity Rank: 40
    N C P D Federal Credit Union
    Similarity Rank: 55
    First Columbia Bank & Trust Co.
    Similarity Rank: 60
    Bogota Savings Bank
    Similarity Rank: 63
    Iron Workers Savings Bank
    Similarity Rank: 63
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    Similarity Rank: 66
    GARDEN SAVINGS FEDERAL CREDIT UNION
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    DOMINION ENERGY CREDIT UNION
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    Haddon Savings Bank
    Similarity Rank: 116

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,315 $866,145,000 $261,281 $3,589 4.69%
    HELOC 2,161 $225,635,000 $104,412 n/a 3.57%
    FHA 310 $54,550,000 $175,968 $6,665 4.56%
    VA 112 $32,030,000 $285,982 $8,715 4.44%
    USDA 33 $5,755,000 $174,394 $5,664 4.47%

    For 2018, Fulton Bank's most frequently originated type of loan was Conventional, with 3,315 originations. Their 2nd most popular type was HELOC, with 2,161 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,431 $864,705,000 $252,027 $4,075 4.68%
    Refi 1,028 $158,910,000 $154,582 $3,369 3.70%
    Other 778 $68,510,000 $88,059 $3,321 3.54%
    Home Improvement 472 $35,930,000 $76,123 $3,912 3.63%
    Cash Out Refi 222 $56,060,000 $252,523 $3,911 4.54%

    For 2018, Fulton Bank's most frequently cited loan purpose was Home Purchase, with 3,431 originations. The 2nd most popular reason was Refi, with 1,028 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,101 $728,125,000 $234,803 $3,978 4.69%
    Other 2,195 $266,785,000 $121,542 $4,688 3.59%
    15 Year 246 $55,860,000 $227,073 $3,732 4.26%
    30+ year 211 $81,095,000 $384,336 $5,206 4.59%
    20 Year 123 $32,065,000 $260,691 $3,496 4.99%
    10 Year 37 $15,535,000 $419,865 $3,868 4.84%
    5 Year 13 $4,045,000 $311,154 $0 5.63%
    1 Year 4 $510,000 $127,500 $0 5.32%
    3 Year 1 $95,000 $95,000 $0 5.35%

    For 2018, Fulton Bank's most frequently cited loan duration was 30 Year, with 3,101 originations. The 2nd most popular length was Other, with 2,195 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,856 $708,720,000 $248,151
    $1k-2k 549 $99,295,000 $180,865
    $2k-3k 133 $32,795,000 $246,579
    $3k-4k 52 $12,220,000 $235,000
    $5k+ 35 $14,715,000 $420,429
    $4k-5k 26 $11,120,000 $427,692

    Fulton Bank's average total fees were $3,978, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,856 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,977 $744,015,000 $249,921
    3-4% 1,256 $204,530,000 $162,842
    2.5-3% 934 $106,340,000 $113,854
    5-6% 588 $115,580,000 $196,565
    6-7% 114 $9,390,000 $82,368
    7-8% 57 $3,975,000 $69,737
    Over 8% 5 $285,000 $57,000

    During 2018, Fulton Bank's average interest rate for loans was 4.69%, while their most frequently originated rate bucket for loans was 4-5%, with 2,977 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,234 $323,450,000 $144,785 $3,425 4.40%
    $100,000 or less 1,830 $99,740,000 $54,503 $2,630 3.98%
    $200k-400k 1,332 $362,570,000 $272,200 $4,658 4.40%
    $400k-600k 297 $140,395,000 $472,710 $5,772 4.34%
    $600k-1MM 180 $135,490,000 $752,722 $5,970 4.40%
    $1MM+ 58 $122,470,000 $2,111,552 $8,244 4.35%

    2018 saw Fulton Bank place emphasis on $100k-200k loans with 2,234 originations, totaling $323,450,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,443 $207,235,000 $143,614 $3,606 4.36%
    $50k or less 1,379 $150,345,000 $109,025 $3,029 4.34%
    $100k-150k 911 $176,765,000 $194,034 $4,685 4.21%
    $75k-100k 786 $120,490,000 $153,295 $4,543 4.15%
    $150k-250k 671 $173,145,000 $258,040 $4,943 4.12%
    $250k+ 521 $256,945,000 $493,177 $5,577 4.13%

    Fulton Bank lent most frequently to those with incomes in the $50k-75k range, with 1,443 originations. The second most popular income band? $50k or less, with 1,379 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,269 $226,365,000 $178,381 $3,794 4.12%
    30-36% 1,101 $214,365,000 $194,700 $3,870 4.34%
    <20% 586 $93,890,000 $160,222 $3,883 3.77%
    42% 253 $53,665,000 $212,115 $3,985 4.38%
    37% 235 $49,945,000 $212,532 $4,396 4.34%
    49% 227 $37,205,000 $163,899 $4,235 3.96%
    40% 225 $43,835,000 $194,822 $3,870 4.37%
    36% 216 $50,040,000 $231,667 $4,010 4.38%
    39% 210 $46,880,000 $223,238 $3,879 4.38%
    38% 201 $40,175,000 $199,876 $3,775 4.42%
    41% 195 $48,885,000 $250,692 $4,042 4.49%
    44% 178 $29,110,000 $163,539 $3,696 4.39%
    46% 167 $26,775,000 $160,329 $3,986 4.25%
    43% 158 $28,360,000 $179,494 $4,275 4.42%
    45% 152 $24,740,000 $162,763 $3,837 4.39%
    47% 149 $26,345,000 $176,812 $4,195 4.42%
    48% 130 $21,620,000 $166,308 $3,794 4.48%
    50-60% 125 $26,405,000 $211,240 $7,370 4.32%
    >60% 6 $1,870,000 $311,667 $4,370 4.79%

    Fulton Bank lent most frequently to those with DTI ratios of 20-30%, with 1,269 originations. The next most common DTI ratio? 30-36%, with 1,101 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,795 $899,245,000 $187,538 $4,001 4.24%
    Not applicable 88 $80,580,000 $915,682 $0 5.41%
    Not provided 465 $71,125,000 $152,957 $3,720 3.96%
    Black 363 $68,075,000 $187,534 $4,021 4.68%
    Asian 142 $50,860,000 $358,169 $4,864 4.31%
    American Indian 49 $8,835,000 $180,306 $4,364 4.62%
    Native Hawaiian or Islander 9 $1,945,000 $216,111 $3,925 4.70%
    Asian Indian 7 $1,175,000 $167,857 $4,402 4.21%
    Other Asian 5 $1,085,000 $217,000 $4,845 3.72%
    Guamanian 1 $415,000 $415,000 $4,947 4.38%
    Other Pacific Islander 5 $355,000 $71,000 $3,495 3.81%
    Chinese 1 $245,000 $245,000 $3,886 4.50%
    Japanese 1 $175,000 $175,000 $7,083 4.50%

    Approval Rates

    Total approvals of all applications
    82.66%

    Fulton Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.39%

    Fulton Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,931 $1,184,115,000 $199,648

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $335,000 $335,000
    Multifamily:Site-Built 30 $65,560,000 $2,185,333
    Single Family (1-4 Units):Manufactured 15 $1,505,000 $100,333
    Single Family (1-4 Units):Site-Built 5,885 $1,116,715,000 $189,756

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 798 $79,650,000 $99,812 $3,257 3.58%
    40-60% 519 $118,235,000 $227,813 $3,630 3.89%
    60-80% 1,245 $323,065,000 $259,490 $3,952 4.47%
    80-100% 2,563 $613,985,000 $239,557 $4,084 4.60%
    Over 100% 19 $5,945,000 $312,895 $11,532 4.52%
    Under 20% 780 $42,280,000 $54,205 $1,542 3.79%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FULTON FINANCIAL CORPORATION Other type of mortgage Closing on a mortgage 1 12.5%
    FULTON FINANCIAL CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 25.0%
    FULTON FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 2 25.0%
    FULTON FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 2 25.0%
    FULTON FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 12.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fulton Bank, National Association 1 West Main Street Annville, PA 17003 Full Service B&M $76,806
    Fulton Bank, National Association 100 South Third Street Hamburg, PA 19526 Full Service B&M $68,126
    Fulton Bank, National Association 100 West First Avenue Parkesburg, PA 19365 Full Service B&M $55,080
    Fulton Bank, National Association 101 Floral Vale Boulevard Yardley, PA 19067 Full Service B&M $60,085
    Fulton Bank, National Association 1013 Centre Rd, Suite 104 Wilmington, DE 19805 Limited, Administrative $0
    Fulton Bank, National Association 1060 Lititz Pike Lititz, PA 17543 Full Service B&M $134,361
    Fulton Bank, National Association 1100 Baltimore Pike Glen Mills, PA 19342 Full Service B&M $42,083
    Fulton Bank, National Association 1102 Shrewsbury Commons Ave Shrewsbury, PA 17361 Full Service B&M $35,753
    Fulton Bank, National Association 116 West Market Street West Chester, PA 19382 Full Service B&M $40,526
    Fulton Bank, National Association 119 West Main Street Hummelstown, PA 17036 Full Service B&M $78,928
    Fulton Bank, National Association 1201 West Chester Pike West Chester, PA 19382 Full Service B&M $99,598
    Fulton Bank, National Association 1212 Cocoa Avenue Hershey, PA 17033 Full Service B&M $52,759
    Fulton Bank, National Association 1216 Millersville Pike Lancaster, PA 17603 Full Service B&M $87,445
    Fulton Bank, National Association 122 Eagle Point Lane Bellefonte, PA 16823 Full Service B&M $16,512
    Fulton Bank, National Association 1267 Horseshoe Pike Downingtown, PA 19335 Full Service B&M $55,286
    Fulton Bank, National Association 1333 East Lehman Street Lebanon, PA 17046 Full Service B&M $32,376
    Fulton Bank, National Association 1374 Heidelberg Ave Schaefferstown, PA 17088 Full Service B&M $57,636
    Fulton Bank, National Association 1380 Easton Road Warrington, PA 18976 Full Service B&M $31,477
    Fulton Bank, National Association 1423 S Market St Mechanicsburg, PA 17055 Full Service B&M $31,074
    Fulton Bank, National Association 1429 North Third Street Harrisburg, PA 17102 Full Service B&M $14,669
    Fulton Bank, National Association 1500 Kenneth Road York, PA 17408 Full Service B&M $102,260
    Fulton Bank, National Association 155 E. Swedesford Road Exton, PA 19341 Full Service B&M $57,439
    Fulton Bank, National Association 1616 Laskin Road Virginia Beach, VA 23451 Full Service B&M $29,183
    Fulton Bank, National Association 1641 South Market Street Elizabethtown, PA 17022 Full Service B&M $88,026
    Fulton Bank, National Association 1713 West Main Street Ephrata, PA 17522 Full Service B&M $42,062
    Fulton Bank, National Association 1764 Quentin Road Lebanon, PA 17042 Full Service B&M $135,520
    Fulton Bank, National Association 185 Memory Lane York, PA 17402 Full Service B&M $98,030
    Fulton Bank, National Association 2 Copperfield Circle Lititz, PA 17543 Full Service B&M $75,551
    Fulton Bank, National Association 20 Mcgovern Avenue Lancaster, PA 17602 Full Service B&M $82,348
    Fulton Bank, National Association 200 Nationwide Drive Harrisburg, PA 17110 Full Service B&M $128,069
    Fulton Bank, National Association 200 North Third Street Harrisburg, PA 17101 Full Service B&M $120,994
    Fulton Bank, National Association 200 Townsedge Drive Quarryville, PA 17566 Full Service B&M $96,814
    Fulton Bank, National Association 200 W Lincoln Avenue Myerstown, PA 17067 Full Service B&M $136,645
    Fulton Bank, National Association 2000 Cambridge Avenue Wyomissing, PA 19610 Full Service B&M $13,683
    Fulton Bank, National Association 2017 North Atherton Street State College, PA 16803 Full Service B&M $87,199
    Fulton Bank, National Association 20281 Coastal Highway Rehoboth Beach, DE 19971 Full Service B&M $67,505
    Fulton Bank, National Association 2057 South Queen Street York, PA 17403 Full Service B&M $106,072
    Fulton Bank, National Association 2099 Columbia Avenue Lancaster, PA 17603 Full Service B&M $135,618
    Fulton Bank, National Association 210 North Fifth Street Reading, PA 19601 Full Service B&M $81,266
    Fulton Bank, National Association 2747 Century Boulevard Wyomissing, PA 19610 Full Service B&M $44,354
    Fulton Bank, National Association 2100 Street Road Bensalem, PA 19020 Full Service B&M $51,654
    Fulton Bank, National Association 2100 Van Reed Road West Lawn, PA 19609 Full Service B&M $83,059
    Fulton Bank, National Association 21035 Dupont Blvd Georgetown, DE 19947 Full Service B&M $74,606
    Fulton Bank, National Association 217 Hanbury Road East Chesapeake, VA 23322 Full Service B&M $30,074
    Fulton Bank, National Association 2220 Old Trail Road Etters, PA 17319 Full Service B&M $32,494
    Fulton Bank, National Association 2257 Lancaster Pike Shillington, PA 19607 Full Service B&M $108,098
    Fulton Bank, National Association 2350 North Reading Road Denver, PA 17517 Full Service B&M $109,192
    Fulton Bank, National Association 2400 Conrad Weiser Parkway Womelsdorf, PA 19567 Full Service B&M $67,921
    Fulton Bank, National Association 2430 Willow Street Pike Lancaster, PA 17602 Full Service B&M $112,659
    Fulton Bank, National Association 2677a Shillington Road Sinking Spring, PA 19608 Full Service B&M $74,178
    Fulton Bank, National Association 281 East Main Street Newark, DE 19711 Full Service B&M $48,979
    Fulton Bank, National Association 28581 Dupont Boulevard Millsboro, DE 19966 Full Service B&M $24,103
    Fulton Bank, National Association 3 South Main Street Dover, PA 17315 Full Service B&M $23,681
    Fulton Bank, National Association 30 South George Street York, PA 17401 Full Service B&M $209,147
    Fulton Bank, National Association 300 Commons Drive Oxford, PA 19363 Full Service B&M $57,512
    Fulton Bank, National Association 30204 Sussex Highway Laurel, DE 19956 Full Service B&M $41,086
    Fulton Bank, National Association 3045-16 N Fifth St Hwy Reading, PA 19605 Full Service B&M $57,936
    Fulton Bank, National Association 305 Highland Drive Mountville, PA 17554 Full Service B&M $137,123
    Fulton Bank, National Association 3183 Susquehanna Trail York, PA 17406 Full Service B&M $75,704
    Fulton Bank, National Association 3191 Cape Horn Road Red Lion, PA 17356 Full Service B&M $87,988
    Fulton Bank, National Association 3344 Trindle Road Camp Hill, PA 17011 Full Service B&M $119,092
    Fulton Bank, National Association 335 Main Street Denver, PA 17517 Full Service B&M $85,729
    Fulton Bank, National Association 34346 Carpenter's Way Lewes, DE 19958 Full Service B&M $67,638
    Fulton Bank, National Association 3545 Dam Neck Road Virginia Beach, VA 23456 Full Service B&M $21,130
    Fulton Bank, National Association 3568 Marietta Avenue Lancaster, PA 17601 Full Service B&M $34,426
    Fulton Bank, National Association 3630 Rothsville Road Ephrata, PA 17522 Full Service B&M $81,850
    Fulton Bank, National Association 366 Hartman Bridge Rd Ronks, PA 17572 Full Service B&M $16,195
    Fulton Bank, National Association 379 N Main St Doylestown, PA 18901 Full Service B&M $121,875
    Fulton Bank, National Association 3812 Kirkwood Highway Wilmington, DE 19808 Full Service B&M $89,361
    Fulton Bank, National Association 3821 Union Deposit Road Harrisburg, PA 17109 Full Service B&M $59,937
    Fulton Bank, National Association 4180 Dominion Boulevard Glen Allen, VA 23060 Full Service B&M $56,624
    Fulton Bank, National Association 433 South Kinzer Avenue New Holland, PA 17557 Limited, Mobile/Seasonal Office $5,881
    Fulton Bank, National Association 433 West Penn Avenue Cleona, PA 17042 Full Service B&M $56,840
    Fulton Bank, National Association 4363 Perkiomen Ave Reading, PA 19606 Full Service B&M $57,907
    Fulton Bank, National Association 4429 Bonney Road Virginia Beach, VA 23462 Full Service B&M $84,673
    Fulton Bank, National Association 451 Granite Run Drive Lancaster, PA 17601 Full Service B&M $144,645
    Fulton Bank, National Association 468 W Main Street Middletown, DE 19709 Full Service B&M $41,325
    Fulton Bank, National Association 481 Royer Drive Lancaster, PA 17601 Full Service B&M $140,491
    Fulton Bank, National Association 501 Independence Pkwy Suite 105 Chesapeake, VA 23320 Full Service B&M $42,099
    Fulton Bank, National Association 501 School House Road Kennett Square, PA 19348 Full Service B&M $60,813
    Fulton Bank, National Association 5049 Jonestown Road Harrisburg, PA 17112 Full Service B&M $100,366
    Fulton Bank, National Association 515 Hershey Avenue Lancaster, PA 17603 Limited, Drive-thru $3,066
    Fulton Bank, National Association 528 Greenfield Road Lancaster, PA 17601 Full Service B&M $105,086
    Fulton Bank, National Association 5360 Lincoln Highway Gap, PA 17527 Full Service B&M $71,965
    Fulton Bank, National Association 55 South Tulpehocken Street Pine Grove, PA 17963 Full Service B&M $95,707
    Fulton Bank, National Association 555 Willow Street Lebanon, PA 17042 Full Service B&M $140,803
    Fulton Bank, National Association 599 West Market Street Hellam, PA 17406 Full Service B&M $40,449
    Fulton Bank, National Association 5998 Main Street East Petersburg, PA 17520 Full Service B&M $135,348
    Fulton Bank, National Association 60 Atlantic Avenue Ocean View, DE 19970 Full Service B&M $96,828
    Fulton Bank, National Association 601 Thimble Shoals Blvd. Newport News, VA 23606 Full Service B&M $22,632
    Fulton Bank, National Association 603 York Road Warminster, PA 18974 Full Service B&M $44,463
    Fulton Bank, National Association 61 Wilson Avenue Hanover, PA 17331 Full Service B&M $71,099
    Fulton Bank, National Association 625 Elden St Herndon, VA 20170 Full Service Cyber Office $4,022
    Fulton Bank, National Association 625 Elden St Herndon, VA 20170 Full Service B&M $43,975
    Fulton Bank, National Association 65 West Main Street Leola, PA 17540 Full Service B&M $89,261
    Fulton Bank, National Association 6520 Carlisle Pike Mechanicsburg, PA 17050 Full Service B&M $43,117
    Fulton Bank, National Association 696 East Main Street New Holland, PA 17557 Full Service B&M $75,111
    Fulton Bank, National Association 710 Upper State Road North Wales, PA 19454 Full Service B&M $95,925
    Fulton Bank, National Association 736 Street Road Southampton, PA 18966 Full Service B&M $68,104
    Fulton Bank, National Association 7761 Allentown Boulevard Harrisburg, PA 17112 Full Service B&M $66,211
    Fulton Bank, National Association 799 State Street Pottstown, PA 19464 Full Service B&M $34,303
    Fulton Bank, National Association 800 Foulk Road Wilmington, DE 19803 Full Service B&M $57,490
    Fulton Bank, National Association 801 Old York Road Jenkintown, PA 19046 Full Service B&M $64,069
    Fulton Bank, National Association 860 South Duke Street Lancaster, PA 17602 Full Service B&M $19,101
    Fulton Bank, National Association 861 West Baltimore Pike West Grove, PA 19390 Full Service B&M $113,386
    Fulton Bank, National Association 866 North Us Route 15 Dillsburg, PA 17019 Full Service B&M $44,761
    Fulton Bank, National Association 901 East Main Street Palmyra, PA 17078 Full Service B&M $124,560
    Fulton Bank, National Association 9012 Church Street Manassas, VA 20110 Full Service B&M $28,545
    Fulton Bank, National Association 9030 Stony Point Parkway Richmond, VA 23235 Full Service B&M $40,172
    Fulton Bank, National Association 950 Willow Valley Lakes Drive Willow Street, PA 17584 Limited, Mobile/Seasonal Office $8,497
    Fulton Bank, National Association One Market Square Manheim, PA 17545 Full Service B&M $157,315
    Fulton Bank, National Association One Penn Square, P.O. Box 4887 Lancaster, PA 17604 Full Service B&M $818,174

    For 2018, Fulton Bank had 112 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $468,206
    Net interest income $389,261
    Total noninterest income $152,909
    Gross Fiduciary activities income $28,710
    Service charges on deposit accounts $27,711
    Trading account gains and fees $6,800
    Additional Noninterest Income $89,688
    Pre-tax net operating income $140,789
    Securities gains (or losses, -) $258
    Income before extraordinary items $128,804
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $128,804
    Minority interest net income $2,145
    Net income $126,659
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $128,569

    Fulton Bank's gross interest income from loans was $468,206,000.
    Fulton Bank's net interest income from loans was $389,261,000.
    Fulton Bank's fee based income from loans was $27,711,000.
    Fulton Bank's net income from loans was $126,659,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $78,945
    Provision for credit losses $41,897
    Total noninterest expense $359,484
    Salaries and employee benefits $106,062
    Premises and equipment expense $28,600
    Additional noninterest expense $224,822
    Applicable income taxes $12,243
    Net charge-offs $47,269
    Cash dividends $117,000

    Fulton Bank's interest expense for loans was $78,945,000.
    Fulton Bank's payroll and benefits expense were $106,062,000.
    Fulton Bank's property, plant and equipment expenses $28,600,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 100.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 3.0%

    Deposits

    Type Value (in 000's)
    Total deposits $9,646,488
    Deposits held in domestic offices $9,646,488
    Deposits by Individuals, partnerships, and corporations $8,385,942
    Deposits by U.S. Government $4,802
    Deposits by States and political subdivisions in the U.S. $1,193,992
    Deposits by Commercial banks and other depository institutions in U.S. $61,753
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,400,844
    Demand deposits $1,104,611
    Nontransaction accounts $8,245,645
    Money market deposit accounts (MMDAs) $5,952,878
    Other savings deposits (excluding MMDAs) $818,291
    Total time deposits $1,474,475
    Total time and savings deposits $8,541,878
    Noninterest-bearing deposits $2,742,094
    Interest-bearing deposits $6,904,394
    Retail deposits $8,820,138
    IRAs and Keogh plan accounts $392,959
    Brokered deposits $596,432
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $12,558,891
    Cash & Balances due from depository institutions $342,183
    Interest-bearing balances $95,672
    Total securities $1,340,841
    Federal funds sold & reverse repurchase $0
    Net loans and leases $10,132,164
    Loan and leases loss allowance $85,410
    Trading account assets $30,389
    Bank premises and fixed assets $102,102
    Other real estate owned $3,218
    Goodwill and other intangibles $258,789
    All other assets $349,205

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $12,558,892
    Total Liabilities $11,121,701
    Total deposits $9,646,488
    Interest-bearing deposits $6,904,394
    Deposits held in domestic offices $9,646,488
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $353,648
    Trading liabilities $16,095
    Other borrowed funds $988,944
    Subordinated debt $0
    All other liabilities $116,526

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,132,164
    Loan and leases loss allowance $85,410
    Total loans and leases (domestic) $10,217,574
    All real estate loans $7,108,689
    Real estate loans in domestic offices $7,108,689
    Construction and development loans $532,195
    Residential 1-4 family construction $156,946
    Other construction, all land development and other land $375,249
    Loans secured by nonfarm nonresidential properties $3,120,432
    Nonfarm nonresidential secured by owner-occupied properties $1,663,819
    Commercial real estate & other non-farm, non-residential $1,456,613
    Multifamily residential real estate $328,145
    1-4 family residential loans $2,432,051
    Farmland loans $695,866
    Loans held in foreign offices $0
    Farm loans $196,808
    Commercial and industrial loans $1,550,406
    To non-U.S. addressees $0
    Loans to individuals $261,485
    Credit card loans $1
    Related Plans $24,528
    Consumer Auto Loans $116,620
    Other loans to individuals $120,336
    All other loans & leases $1,100,185
    Loans to foreign governments and official institutions $0
    Other loans $83,783
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $100,195
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $40,169
    Non 1-4 family restructured loans & leases $16,090
    Total loans and leases (foreign) $0

    Fulton Bank had $10,132,164,000 of loans outstanding in 2018. $7,108,689,000 of loans were in real estate loans. $532,195,000 of loans were in development loans. $328,145,000 of loans were in multifamily mortgage loans. $2,432,051,000 of loans were in 1-4 family mortgage loans. $196,808,000 of loans were in farm loans. $1,000 of loans were in credit card loans. $116,620,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,711 $531,862 $196,187
    Nonfarm, nonresidential loans - <$100k 483 $11,788 $24,406
    Nonfarm, nonresidential loans - $100-250k 815 $72,072 $88,432
    Nonfarm, nonresidential loans - $250k-1MM 1,413 $448,002 $317,057
    Commercial & Industrial, US addressed loans - <$1MM 5,066 $364,620 $71,974
    Commercial & Industrial, US addressed loans - <$100k 2,852 $45,906 $16,096
    Commercial & Industrial, US addressed loans - $100-250k 1,028 $73,749 $71,740
    Commercial & Industrial, US addressed loans - $250k-1MM 1,186 $244,965 $206,547
    Farmland loans - <$1MM 1,300 $160,869 $123,745
    Farmland loans - <$100k 444 $12,894 $29,041
    Farmland loans - $100-250k 417 $40,047 $96,036
    Farmland loans - $250k-1MM 439 $107,928 $245,850
    Agriculture operations loans - <$1MM 1,420 $82,931 $58,402
    Agriculture operations loans - <$100k 936 $22,839 $24,401
    Agriculture operations loans - $100-250k 333 $30,472 $91,508
    Agriculture operations loans - $250k-1MM 151 $29,620 $196,159