Fulton Bank Mortgage Rates, Fees & Info

Lancaster, PA

LEI: DZC62HF6UIZYJ08V1J90

Tax ID: 23-1928421

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Bank Data

Review & Overview

Fulton Bank is a small bank specializing in Home Purchase and Refi 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: Philadelphia, Baltimore, Lancaster, New York, and Washington among others. We have data for 53 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 3.94% 4/14/24
30 Year Conventional Purchase 6.59% 4/14/24
30 Year Conventional Refi 6.56% 4/14/24
30 Year Cash-out Refi 6.71% 4/14/24
30 Year FHA Purchase 7.29% 4/14/24
30 Year FHA Refi 7.31% 4/14/24
30 Year VA Purchase 6.17% 4/14/24
30 Year USDA Purchase 6.71% 4/14/24
15 Year Conventional Purchase 6.19% 4/14/24
15 Year Conventional Refi 6.07% 4/14/24
15 Year Cash-out Refi 6.07% 4/14/24
15 Year FHA Purchase 5.68% 4/14/24
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

10,028

Origination Dollar Volume (All Markets)

$2,331,170,000

Employee count

2,102 Show all (31) 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
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,610 $374,060,000 $232,335 $4,216 4.15%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 933 $289,605,000 $310,402 $4,730 4.14%
LANCASTER, PA (FHA|USDA|VA) 1,458 $240,310,000 $164,822 $4,126 4.12%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 580 $220,370,000 $379,948 $5,597 4.09%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 485 $198,165,000 $408,588 $4,843 4.14%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 419 $122,915,000 $293,353 $4,852 4.11%
RICHMOND, VA (FHA|USDA|VA) 356 $113,530,000 $318,904 $4,142 4.16%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 246 $94,570,000 $384,431 $4,351 3.97%
READING, PA (FHA|USDA|VA) 558 $88,480,000 $158,566 $4,129 4.21%
YORK-HANOVER, PA (FHA|USDA|VA) 576 $87,120,000 $151,250 $3,921 4.24%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 397 $73,615,000 $185,428 $3,950 4.10%
SALISBURY, MD-DE (FHA|USDA|VA) 258 $67,780,000 $262,713 $4,459 4.08%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 460 $66,670,000 $144,935 $3,947 4.23%
LEBANON, PA (FHA|USDA|VA) 440 $60,690,000 $137,932 $3,950 4.13%
OCEAN CITY, NJ (FHA|USDA|VA) 162 $46,810,000 $288,951 $3,912 4.14%
Outside of Metro Areas 103 $28,025,000 $272,087 $4,416 3.95%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 147 $22,165,000 $150,782 $3,993 4.19%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 158 $19,120,000 $121,013 $3,903 4.03%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 77 $18,645,000 $242,143 $4,184 4.22%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 49 $12,475,000 $254,592 $4,453 4.20%
Sunbury, PA (FHA|USDA|VA) 99 $9,775,000 $98,737 $3,528 4.28%
Pottsville, PA (FHA|USDA|VA) 66 $8,190,000 $124,091 $4,075 4.23%
GETTYSBURG, PA (FHA|USDA|VA) 43 $7,935,000 $184,535 $4,891 4.25%
Selinsgrove, PA (FHA|USDA|VA) 94 $7,720,000 $82,128 $3,812 4.15%
DOVER, DE (FHA|USDA|VA) 30 $7,340,000 $244,667 $4,845 4.36%
STATE COLLEGE, PA (FHA|USDA|VA) 26 $6,220,000 $239,231 $4,729 4.01%
Lewisburg, PA (FHA|USDA|VA) 42 $5,980,000 $142,381 $3,851 4.07%
WILLIAMSPORT, PA (FHA|USDA|VA) 33 $4,385,000 $132,879 $4,514 3.94%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 26 $4,230,000 $162,692 $4,192 4.34%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 16 $3,200,000 $200,000 $3,812 4.19%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 14 $2,740,000 $195,714 $4,080 4.06%
STAUNTON, VA (FHA|USDA|VA) 7 $1,885,000 $269,286 $5,003 4.37%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $1,690,000 $845,000 $6,671 4.88%
Easton, MD (FHA|USDA|VA) 3 $1,635,000 $545,000 $3,269 3.59%
ROANOKE, VA (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,658 4.35%
EAST STROUDSBURG, PA (FHA|USDA|VA) 12 $1,600,000 $133,333 $3,994 3.95%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,914 3.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $1,195,000 $398,333 $3,684 3.79%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,407 4.06%
HARRISONBURG, VA (FHA|USDA|VA) 3 $895,000 $298,333 $3,070 3.88%
LYNCHBURG, VA (FHA|USDA|VA) 3 $835,000 $278,333 $5,905 4.42%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $760,000 $380,000 $3,425 3.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $710,000 $355,000 $0 4.00%
ALTOONA, PA (FHA|USDA|VA) 2 $620,000 $310,000 $5,257 3.81%
Lock Haven, PA (FHA|USDA|VA) 4 $580,000 $145,000 $3,317 3.87%
Cambridge, MD (FHA|USDA|VA) 2 $560,000 $280,000 $7,127 3.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $470,000 $235,000 $2,848 5.19%
Huntingdon, PA (FHA|USDA|VA) 4 $390,000 $97,500 $2,993 4.78%
Corning, NY (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.99%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,936 4.75%
Lewistown, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,863 3.25%
DuBois, PA (FHA|USDA|VA) 1 $75,000 $75,000 $3,335 5.50%
Sayre, PA (FHA|USDA|VA) 1 $55,000 $55,000 $2,932 4.75%
Fulton Bank's top markets include Philadelphia, Baltimore, Lancaster, New York, and Washington among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,840 $1,804,660,000 $309,017 $4,007 4.17%
    HELOC 3,514 $386,490,000 $109,986 n/a 4.14%
    FHA 465 $87,395,000 $187,946 $6,916 3.91%
    VA 152 $43,020,000 $283,026 $7,933 3.79%
    USDA 57 $9,605,000 $168,509 $5,306 3.95%

    For 2019, Fulton Bank's most frequently originated type of loan was Conventional, with 5,840 originations. Their 2nd most popular type was HELOC, with 3,514 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,350 $1,525,910,000 $285,217 $4,443 4.20%
    Refi 2,061 $478,975,000 $232,399 $3,931 3.98%
    Home Improvement 1,177 $102,885,000 $87,413 $4,271 4.19%
    Other 961 $90,185,000 $93,845 $3,760 4.09%
    Cash Out Refi 479 $133,215,000 $278,111 $3,961 4.09%

    For 2019, Fulton Bank's most frequently cited loan purpose was Home Purchase, with 5,350 originations. The 2nd most popular reason was Refi, with 2,061 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,284 $1,458,490,000 $276,020 $4,265 4.17%
    Other 3,579 $460,665,000 $128,713 $4,919 4.14%
    15 Year 486 $119,330,000 $245,535 $3,774 3.67%
    30+ year 346 $183,510,000 $530,376 $6,453 4.07%
    20 Year 223 $50,435,000 $226,166 $3,617 4.53%
    10 Year 86 $38,050,000 $442,442 $3,303 4.06%
    5 Year 22 $19,970,000 $907,727 $0 4.96%
    1 Year 2 $720,000 $360,000 $0 6.00%

    For 2019, Fulton Bank's most frequently cited loan duration was 30 Year, with 5,284 originations. The 2nd most popular length was Other, with 3,579 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,398 $1,274,630,000 $289,820
    $1k-2k 1,213 $342,545,000 $282,395
    $2k-3k 251 $64,805,000 $258,187
    $3k-4k 115 $35,405,000 $307,870
    $5k+ 67 $30,385,000 $453,507
    $4k-5k 48 $17,700,000 $368,750

    Fulton Bank's average total fees were $4,265, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,398 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 6,507 $1,460,445,000 $224,442
    4-5% 2,860 $748,560,000 $261,734
    5-6% 424 $92,000,000 $216,981
    7-8% 110 $8,860,000 $80,545
    6-7% 81 $6,525,000 $80,556
    2.5-3% 32 $13,820,000 $431,875
    Over 8% 14 $960,000 $68,571

    During 2019, Fulton Bank's average interest rate for loans was 4.17%, while their most frequently originated rate bucket for loans was 3-4%, with 6,507 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 3,212 $470,170,000 $146,379 $3,681 4.20%
    $100,000 or less 2,815 $153,865,000 $54,659 $2,833 4.24%
    $200k-400k 2,670 $729,690,000 $273,292 $4,576 4.07%
    $400k-600k 714 $344,470,000 $482,451 $5,315 3.96%
    $600k-1MM 460 $345,500,000 $751,087 $5,907 3.92%
    $1MM+ 157 $287,475,000 $1,831,051 $8,142 3.91%

    2019 saw Fulton Bank place emphasis on $100k-200k loans with 3,212 originations, totaling $470,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,216 $337,020,000 $152,085 $3,947 4.16%
    $50k or less 1,853 $209,405,000 $113,009 $3,484 4.18%
    $100k-150k 1,697 $357,105,000 $210,433 $4,570 4.10%
    $150k-250k 1,449 $427,955,000 $295,345 $4,966 4.07%
    $75k-100k 1,332 $227,650,000 $170,908 $4,518 4.12%
    $250k+ 1,131 $600,505,000 $530,950 $5,633 4.03%

    Fulton Bank lent most frequently to those with incomes in the $50k-75k range, with 2,216 originations. The second most popular income band? $50k or less, with 1,853 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,213 $474,515,000 $214,422 $4,126 4.06%
    30-36% 1,834 $405,840,000 $221,287 $4,206 4.11%
    <20% 961 $186,685,000 $194,261 $4,143 4.01%
    42% 484 $143,030,000 $295,517 $4,695 4.12%
    41% 428 $109,760,000 $256,449 $4,460 4.16%
    39% 385 $98,855,000 $256,766 $4,130 4.16%
    40% 384 $98,640,000 $256,875 $4,389 4.15%
    38% 369 $89,675,000 $243,022 $4,283 4.17%
    37% 363 $95,485,000 $263,044 $4,292 4.14%
    49% 338 $62,020,000 $183,491 $4,715 4.21%
    36% 336 $83,290,000 $247,887 $4,455 4.13%
    44% 288 $51,450,000 $178,646 $4,110 4.25%
    43% 271 $48,475,000 $178,875 $4,190 4.22%
    46% 258 $45,480,000 $176,279 $4,172 4.27%
    45% 239 $42,575,000 $178,138 $4,186 4.24%
    47% 236 $46,000,000 $194,915 $4,553 4.14%
    48% 196 $45,020,000 $229,694 $4,672 4.27%
    50-60% 180 $44,460,000 $247,000 $7,028 3.99%
    >60% 14 $3,420,000 $244,286 $3,313 4.06%

    Fulton Bank lent most frequently to those with DTI ratios of 20-30%, with 2,213 originations. The next most common DTI ratio? 30-36%, with 1,834 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,786 $1,688,510,000 $216,865 $4,288 4.10%
    Black 817 $173,715,000 $212,625 $4,349 4.25%
    Not provided 787 $148,255,000 $188,380 $4,522 4.24%
    Asian 343 $147,975,000 $431,414 $5,074 4.02%
    Not applicable 189 $142,295,000 $752,884 $0 5.07%
    Asian Indian 35 $16,775,000 $479,286 $5,841 3.95%
    American Indian 38 $6,630,000 $174,474 $3,887 4.27%
    Other Asian 9 $3,295,000 $366,111 $4,383 4.40%
    Native Hawaiian or Islander 9 $835,000 $92,778 $2,512 4.40%
    Chinese 3 $755,000 $251,667 $0 4.08%
    Korean 1 $595,000 $595,000 $4,411 3.75%
    Vietnamese 3 $555,000 $185,000 $3,460 4.33%
    Other Pacific Islander 4 $520,000 $130,000 $3,608 4.03%
    Filipino 3 $395,000 $131,667 $8,249 3.70%
    Japanese 1 $65,000 $65,000 $0 3.99%

    Approval Rates

    Total approvals of all applications
    81.41%

    Fulton Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.18%

    Fulton Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,028 $2,331,170,000 $232,466

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 54 $119,640,000 $2,215,556
    Single Family (1-4 Units):Manufactured 44 $2,460,000 $55,909
    Single Family (1-4 Units):Site-Built 9,930 $2,209,070,000 $222,464

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,353 $162,155,000 $119,848 $3,393 4.02%
    40-60% 988 $235,460,000 $238,320 $3,732 4.03%
    60-80% 2,170 $683,660,000 $315,051 $4,299 4.23%
    80-100% 4,162 $1,176,290,000 $282,626 $4,436 4.14%
    Over 100% 29 $8,625,000 $297,414 $10,833 3.79%
    Under 20% 1,322 $64,490,000 $48,782 $1,727 4.20%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FULTON FINANCIAL CORPORATION Other type of mortgage Trouble during payment process 3 30.0%
    FULTON FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 2 20.0%
    FULTON FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 2 20.0%
    FULTON FINANCIAL CORPORATION FHA mortgage Struggling to pay mortgage 1 10.0%
    FULTON FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fulton Bank, National Association 1 South Main Street Woodstown, NJ 8098 Full Service B&M $102,569
    Fulton Bank, National Association 1 West Main Street Annville, PA 17003 Full Service B&M $82,889
    Fulton Bank, National Association 100 Park Avenue Woodbury, NJ 8096 Full Service B&M $127,975
    Fulton Bank, National Association 100 South Third Street Hamburg, PA 19526 Full Service B&M $67,745
    Fulton Bank, National Association 100 West First Avenue Parkesburg, PA 19365 Full Service B&M $54,444
    Fulton Bank, National Association 100 West Independence Street Shamokin, PA 17872 Full Service B&M $54,176
    Fulton Bank, National Association 101 Floral Vale Boulevard Yardley, PA 19067 Full Service B&M $57,010
    Fulton Bank, National Association 1013 Centre Rd, Suite 104 Wilmington, DE 19805 Limited, Administrative $0
    Fulton Bank, National Association 103 West End Avenue Somerville, NJ 8876 Full Service B&M $140,751
    Fulton Bank, National Association 1060 Lititz Pike Lititz, PA 17543 Full Service B&M $162,557
    Fulton Bank, National Association 1101 Tilton Road Northfield, NJ 8225 Full Service B&M $46,315
    Fulton Bank, National Association 1102 Shrewsbury Commons Ave Shrewsbury, PA 17361 Full Service B&M $34,011
    Fulton Bank, National Association 111 Ballard Avenue Pitman, NJ 8071 Full Service B&M $45,951
    Fulton Bank, National Association 1113 Bloom Road Danville, PA 17821 Full Service B&M $26,079
    Fulton Bank, National Association 116 West Market Street West Chester, PA 19382 Full Service B&M $38,009
    Fulton Bank, National Association 119 West Main Street Hummelstown, PA 17036 Full Service B&M $88,324
    Fulton Bank, National Association 1201 West Chester Pike West Chester, PA 19382 Full Service B&M $107,407
    Fulton Bank, National Association 1212 Cocoa Avenue Hershey, PA 17033 Full Service B&M $55,995
    Fulton Bank, National Association 1216 Millersville Pike Lancaster, PA 17603 Full Service B&M $90,708
    Fulton Bank, National Association 122 Eagle Point Lane Bellefonte, PA 16823 Full Service B&M $16,502
    Fulton Bank, National Association 1220 North Broad Street Philadelphia, PA 19121 Full Service B&M $4,372
    Fulton Bank, National Association 125 Salem-Woodstown Road Salem, NJ 8079 Full Service B&M $66,650
    Fulton Bank, National Association 125 South Broadway Pennsville, NJ 8070 Full Service B&M $38,813
    Fulton Bank, National Association 1255 North Susquehanna Trail Hummels Wharf, PA 17831 Full Service B&M $72,596
    Fulton Bank, National Association 1267 Horseshoe Pike Downingtown, PA 19335 Full Service B&M $59,626
    Fulton Bank, National Association 1302 Route 38 Hainesport, NJ 8036 Full Service B&M $57,399
    Fulton Bank, National Association 1333 East Lehman Street Lebanon, PA 17046 Full Service B&M $31,107
    Fulton Bank, National Association 1374 Heidelberg Ave Schaefferstown, PA 17088 Full Service B&M $62,136
    Fulton Bank, National Association 1380 Easton Road Warrington, PA 18976 Full Service B&M $43,315
    Fulton Bank, National Association 1386 Route 130 And Main Street Windsor, NJ 8561 Full Service B&M $47,609
    Fulton Bank, National Association 139 Manhattan Street Jackson, NJ 8527 Full Service B&M $40,261
    Fulton Bank, National Association 1423 S Market St Mechanicsburg, PA 17055 Full Service B&M $31,555
    Fulton Bank, National Association 1429 North Third Street Harrisburg, PA 17102 Full Service B&M $29,134
    Fulton Bank, National Association 1460 Route 70 East Cherry Hill, NJ 8034 Full Service B&M $57,385
    Fulton Bank, National Association 1500 Kenneth Road York, PA 17408 Full Service B&M $107,160
    Fulton Bank, National Association 153 Bridgeton Pike Mullica Hill, NJ 8062 Full Service B&M $46,873
    Fulton Bank, National Association 155 E. Swedesford Road Exton, PA 19341 Full Service B&M $68,786
    Fulton Bank, National Association 157 Route 31 South Oxford, NJ 7863 Full Service B&M $61,068
    Fulton Bank, National Association 1616 Laskin Road Virginia Beach, VA 23451 Full Service B&M $33,541
    Fulton Bank, National Association 1641 South Market Street Elizabethtown, PA 17022 Full Service B&M $96,486
    Fulton Bank, National Association 17 Kings Highway West Haddonfield, NJ 8033 Full Service B&M $39,753
    Fulton Bank, National Association 1701 John F. Kennedy Blvd Philadelphia, PA 19103 Full Service B&M $16,822
    Fulton Bank, National Association 1713 West Main Street Ephrata, PA 17522 Full Service B&M $50,654
    Fulton Bank, National Association 1732 East Third Street Williamsport, PA 17701 Full Service B&M $27,001
    Fulton Bank, National Association 176 Mountain Ave Hackettstown, NJ 7840 Full Service B&M $58,299
    Fulton Bank, National Association 1764 Quentin Road Lebanon, PA 17042 Full Service B&M $138,935
    Fulton Bank, National Association 179 Kings Highway Woolwich Township, NJ 8085 Full Service B&M $75,206
    Fulton Bank, National Association 18 Elmer Street Madison, NJ 7940 Full Service B&M $26,955
    Fulton Bank, National Association 185 Memory Lane York, PA 17402 Full Service B&M $96,804
    Fulton Bank, National Association 194 Route 31 North Flemington, NJ 8822 Full Service B&M $141,400
    Fulton Bank, National Association 1943 Oak Tree Road Edison, NJ 8820 Full Service B&M $34,822
    Fulton Bank, National Association 195 Greentree Road Marlton, NJ 8053 Full Service B&M $61,544
    Fulton Bank, National Association 19639 Route 522 Beaver Springs, PA 17812 Full Service B&M $26,173
    Fulton Bank, National Association 2 Copperfield Circle Lititz, PA 17543 Full Service B&M $80,498
    Fulton Bank, National Association 2 Ryan Road Marlboro, NJ 7746 Full Service B&M $48,841
    Fulton Bank, National Association 2 Village Center Drive Freehold, NJ 7728 Full Service B&M $57,970
    Fulton Bank, National Association 20 Mcgovern Avenue Lancaster, PA 17602 Full Service B&M $88,346
    Fulton Bank, National Association 20 North Main Street Allentown, NJ 8501 Full Service B&M $69,702
    Fulton Bank, National Association 200 Bridgeton Pike Mantua, NJ 8051 Full Service B&M $175,766
    Fulton Bank, National Association 200 Nationwide Drive Harrisburg, PA 17110 Full Service B&M $135,149
    Fulton Bank, National Association 200 North Third Street Harrisburg, PA 17101 Full Service B&M $142,307
    Fulton Bank, National Association 200 South Poplar Street Berwick, PA 18603 Full Service B&M $18,065
    Fulton Bank, National Association 200 Townsedge Drive Quarryville, PA 17566 Full Service B&M $107,509
    Fulton Bank, National Association 200 W Lincoln Avenue Myerstown, PA 17067 Full Service B&M $143,972
    Fulton Bank, National Association 2000 Cambridge Avenue Wyomissing, PA 19610 Full Service B&M $10,971
    Fulton Bank, National Association 201 N. Route 73 West Berlin, NJ 8091 Full Service B&M $44,784
    Fulton Bank, National Association 2017 North Atherton Street State College, PA 16803 Full Service B&M $97,055
    Fulton Bank, National Association 20281 Coastal Highway Rehoboth Beach, DE 19971 Full Service B&M $64,841
    Fulton Bank, National Association 205 East Kennedy Boulevard Lakewood, NJ 8701 Full Service B&M $77,900
    Fulton Bank, National Association 2057 South Queen Street York, PA 17403 Full Service B&M $114,076
    Fulton Bank, National Association 207 North Grove Road National Park, NJ 8063 Full Service B&M $43,618
    Fulton Bank, National Association 2099 Columbia Avenue Lancaster, PA 17603 Full Service B&M $137,683
    Fulton Bank, National Association 210 North Fifth Street Reading, PA 19601 Full Service B&M $71,274
    Fulton Bank, National Association 2100 Street Road Bensalem, PA 19020 Full Service B&M $53,745
    Fulton Bank, National Association 2100 Van Reed Road West Lawn, PA 19609 Full Service B&M $91,539
    Fulton Bank, National Association 21035 Dupont Blvd Georgetown, DE 19947 Full Service B&M $86,405
    Fulton Bank, National Association 215 E. Jimmie Leeds Road Galloway, NJ 8205 Full Service B&M $79,626
    Fulton Bank, National Association 217 Hanbury Road East Chesapeake, VA 23322 Full Service B&M $34,115
    Fulton Bank, National Association 22 Village Center Drive Logan Township, NJ 8085 Full Service B&M $88,946
    Fulton Bank, National Association 221 Shell Road Carneys Point, NJ 8069 Full Service B&M $48,442
    Fulton Bank, National Association 2220 Old Trail Road Etters, PA 17319 Full Service B&M $41,336
    Fulton Bank, National Association 227 East Main Street Middleburg, PA 17842 Full Service B&M $53,242
    Fulton Bank, National Association 2350 North Reading Road Denver, PA 17517 Full Service B&M $213,586
    Fulton Bank, National Association 2400 Conrad Weiser Parkway Womelsdorf, PA 19567 Full Service B&M $83,897
    Fulton Bank, National Association 2430 Willow Street Pike Lancaster, PA 17602 Full Service B&M $146,745
    Fulton Bank, National Association 2460 Whitehorse-Hamilton Square Road Hamilton, NJ 8690 Full Service B&M $36,012
    Fulton Bank, National Association 25 North Main St. Elmer, NJ 8318 Full Service B&M $24,910
    Fulton Bank, National Association 2677a Shillington Road Sinking Spring, PA 19608 Full Service B&M $174,271
    Fulton Bank, National Association 2700 West Girard Avenue Philadelphia, PA 19130 Full Service B&M $7,614
    Fulton Bank, National Association 272 Us 46 Rockaway, NJ 7866 Full Service B&M $108,238
    Fulton Bank, National Association 274 Route 10 West Succasunna, NJ 7876 Full Service B&M $82,411
    Fulton Bank, National Association 2747 Century Boulevard Wyomissing, PA 19610 Full Service B&M $47,032
    Fulton Bank, National Association 281 East Main Street Newark, DE 19711 Full Service B&M $58,059
    Fulton Bank, National Association 28581 Dupont Boulevard Millsboro, DE 19966 Full Service B&M $27,015
    Fulton Bank, National Association 3 South Main Street Dover, PA 17315 Full Service B&M $29,529
    Fulton Bank, National Association 30 South George Street York, PA 17401 Full Service B&M $256,712
    Fulton Bank, National Association 300 Commons Drive Oxford, PA 19363 Full Service B&M $55,278
    Fulton Bank, National Association 301 West Browning Road Bellmawr, NJ 8031 Full Service B&M $61,471
    Fulton Bank, National Association 30204 Sussex Highway Laurel, DE 19956 Full Service B&M $43,332
    Fulton Bank, National Association 303 Egg Harbor Road Sewell, NJ 8080 Full Service B&M $59,311
    Fulton Bank, National Association 304 Princeton Hightstown Rd East Windsor, NJ 8520 Full Service B&M $74,255
    Fulton Bank, National Association 3045-16 N Fifth St Hwy Reading, PA 19605 Full Service B&M $61,317
    Fulton Bank, National Association 305 Highland Drive Mountville, PA 17554 Full Service B&M $135,429
    Fulton Bank, National Association 315 S Black Horse Pike Williamstown, NJ 8094 Full Service B&M $95,508
    Fulton Bank, National Association 3183 Susquehanna Trail York, PA 17406 Full Service B&M $74,980
    Fulton Bank, National Association 3191 Cape Horn Road Red Lion, PA 17356 Full Service B&M $90,680
    Fulton Bank, National Association 32 East Chestnut Street Mifflinburg, PA 17844 Full Service B&M $19,076
    Fulton Bank, National Association 324 Rt 72 West Manahawkin, NJ 8050 Full Service B&M $53,870
    Fulton Bank, National Association 3344 Trindle Road Camp Hill, PA 17011 Full Service B&M $115,296
    Fulton Bank, National Association 34 Mountain Boulevard Warren, NJ 7059 Full Service B&M $67,632
    Fulton Bank, National Association 34346 Carpenter's Way Lewes, DE 19958 Full Service B&M $77,035
    Fulton Bank, National Association 35 North Delsea Drive Clayton, NJ 8312 Full Service B&M $35,592
    Fulton Bank, National Association 3545 Dam Neck Road Virginia Beach, VA 23456 Full Service B&M $23,195
    Fulton Bank, National Association 3568 Marietta Avenue Lancaster, PA 17601 Full Service B&M $42,414
    Fulton Bank, National Association 3630 Rothsville Road Ephrata, PA 17522 Full Service B&M $88,864
    Fulton Bank, National Association 37 West Main Street Bloomsburg, PA 17815 Full Service B&M $27,316
    Fulton Bank, National Association 379 N Main St Doylestown, PA 18901 Full Service B&M $129,976
    Fulton Bank, National Association 3812 Kirkwood Highway Wilmington, DE 19808 Full Service B&M $89,348
    Fulton Bank, National Association 3821 Union Deposit Road Harrisburg, PA 17109 Full Service B&M $132,795
    Fulton Bank, National Association 40 North Main St Manville, NJ 8835 Full Service B&M $60,641
    Fulton Bank, National Association 4004 English Creek Rd Egg Harbor Township, NJ 8234 Full Service B&M $38,863
    Fulton Bank, National Association 412 Kings Highway Mickleton, NJ 8056 Full Service B&M $61,923
    Fulton Bank, National Association 4180 Dominion Boulevard Glen Allen, VA 23060 Full Service B&M $66,728
    Fulton Bank, National Association 425 Main Street Chester, NJ 7930 Limited, Administrative $0
    Fulton Bank, National Association 433 South Kinzer Avenue New Holland, PA 17557 Limited, Mobile/Seasonal Office $7,437
    Fulton Bank, National Association 433 West Penn Avenue Cleona, PA 17042 Full Service B&M $58,310
    Fulton Bank, National Association 4363 Perkiomen Ave Reading, PA 19606 Full Service B&M $74,054
    Fulton Bank, National Association 4429 Bonney Road Virginia Beach, VA 23462 Full Service B&M $76,020
    Fulton Bank, National Association 451 Granite Run Drive Lancaster, PA 17601 Full Service B&M $132,827
    Fulton Bank, National Association 468 W Main Street Middletown, DE 19709 Full Service B&M $42,977
    Fulton Bank, National Association 48 S. Greenwich Road Alloway, NJ 8001 Full Service B&M $44,475
    Fulton Bank, National Association 481 North Bridge Street Bridgewater, NJ 8807 Full Service B&M $54,281
    Fulton Bank, National Association 481 Royer Drive Lancaster, PA 17601 Full Service B&M $138,369
    Fulton Bank, National Association 4900 Hadley Center Drive South Plainfield, NJ 7080 Full Service B&M $18,583
    Fulton Bank, National Association 50 West End Avenue Somerville, NJ 8876 Limited, Drive-thru $0
    Fulton Bank, National Association 501 Independence Pkwy Suite 105 Chesapeake, VA 23320 Full Service B&M $35,168
    Fulton Bank, National Association 501 School House Road Kennett Square, PA 19348 Full Service B&M $111,307
    Fulton Bank, National Association 510 East Main St Chester, NJ 7930 Full Service B&M $30,289
    Fulton Bank, National Association 514 Kings Highway North Cherry Hill, NJ 8034 Full Service B&M $63,255
    Fulton Bank, National Association 515 Hershey Avenue Lancaster, PA 17603 Limited, Drive-thru $3,056
    Fulton Bank, National Association 528 Berlin-Cross Keys Road Sicklerville, NJ 8081 Full Service B&M $13,673
    Fulton Bank, National Association 528 Greenfield Road Lancaster, PA 17601 Full Service B&M $111,524
    Fulton Bank, National Association 533 Fellowship Road, Suite 250 Mount Laurel, NJ 8054 Full Service B&M $0
    Fulton Bank, National Association 5360 Lincoln Highway Gap, PA 17527 Full Service B&M $72,511
    Fulton Bank, National Association 55 South Tulpehocken Street Pine Grove, PA 17963 Full Service B&M $97,270
    Fulton Bank, National Association 5500 K. Johnson Blvd Bordentown, NJ 8505 Full Service B&M $24,544
    Fulton Bank, National Association 555 Willow Street Lebanon, PA 17042 Full Service B&M $146,477
    Fulton Bank, National Association 599 West Market Street Hellam, PA 17406 Full Service B&M $41,220
    Fulton Bank, National Association 5998 Main Street East Petersburg, PA 17520 Full Service B&M $137,184
    Fulton Bank, National Association 6 Berlin Road Voorhees, NJ 8043 Full Service B&M $32,223
    Fulton Bank, National Association 60 Atlantic Avenue Ocean View, DE 19970 Full Service B&M $103,906
    Fulton Bank, National Association 601 Route 206 Hillsborough, NJ 8844 Full Service B&M $57,672
    Fulton Bank, National Association 70 International Drive Lewisburg, PA 17837 Full Service B&M $62,895
    Fulton Bank, National Association 601 Thimble Shoals Blvd. Newport News, VA 23606 Full Service B&M $35,535
    Fulton Bank, National Association 603 York Road Warminster, PA 18974 Full Service B&M $35,145
    Fulton Bank, National Association 61 Wilson Ave Hanover, PA 17331 Full Service B&M $74,508
    Fulton Bank, National Association 625 Elden St Herndon, VA 20170 Full Service Cyber Office $0
    Fulton Bank, National Association 625 Elden St Herndon, VA 20170 Full Service B&M $40,551
    Fulton Bank, National Association 630 Mill Street Danville, PA 17821 Full Service B&M $133,787
    Fulton Bank, National Association 65 West Main Street Leola, PA 17540 Full Service B&M $98,256
    Fulton Bank, National Association 6520 Carlisle Pike Mechanicsburg, PA 17050 Full Service B&M $52,531
    Fulton Bank, National Association 653 W. Broad Street Paulsboro, NJ 8066 Full Service B&M $35,069
    Fulton Bank, National Association 694 Rt 15 South, Suite 101 Lake Hopatcong, NJ 7849 Full Service B&M $34,781
    Fulton Bank, National Association 696 East Main Street New Holland, PA 17557 Full Service B&M $75,389
    Fulton Bank, National Association 700 Middlesex Avenue Metuchen, NJ 8840 Full Service B&M $42,654
    Fulton Bank, National Association 710 Upper State Road North Wales, PA 19454 Full Service B&M $109,776
    Fulton Bank, National Association 736 Street Road Southampton, PA 18966 Full Service B&M $58,282
    Fulton Bank, National Association 755 Morton Avenue Bridgeton, NJ 8302 Full Service B&M $63,350
    Fulton Bank, National Association 7761 Allentown Boulevard Harrisburg, PA 17112 Full Service B&M $59,764
    Fulton Bank, National Association 799 State Street Pottstown, PA 19464 Full Service B&M $30,381
    Fulton Bank, National Association 800 Foulk Road Wilmington, DE 19803 Full Service B&M $69,543
    Fulton Bank, National Association 801 Old York Road Jenkintown, PA 19046 Full Service B&M $66,372
    Fulton Bank, National Association 835 North Fourth Street Sunbury, PA 17801 Full Service B&M $31,440
    Fulton Bank, National Association 8413 Route 104 Mount Pleasant Mills, PA 17853 Full Service B&M $38,543
    Fulton Bank, National Association 860 South Duke Street Lancaster, PA 17602 Full Service B&M $20,740
    Fulton Bank, National Association 861 West Baltimore Pike West Grove, PA 19390 Full Service B&M $125,029
    Fulton Bank, National Association 866 North Us Route 15 Dillsburg, PA 17019 Full Service B&M $49,005
    Fulton Bank, National Association 870 West Bay Avenue Barnegat, NJ 8005 Full Service B&M $30,212
    Fulton Bank, National Association 9 Ledgewood Avenue Netcong, NJ 7857 Full Service B&M $78,885
    Fulton Bank, National Association 901 East Main Street Palmyra, PA 17078 Full Service B&M $118,416
    Fulton Bank, National Association 901 High Street Hackettstown, NJ 7840 Full Service B&M $61,359
    Fulton Bank, National Association 9012 Church Street Manassas, VA 20110 Full Service B&M $27,593
    Fulton Bank, National Association 9030 Stony Point Parkway Richmond, VA 23235 Full Service B&M $36,023
    Fulton Bank, National Association 95 Community Street Charlottesville, VA 22911 Full Service B&M $332
    Fulton Bank, National Association One Market Square Manheim, PA 17545 Full Service B&M $162,647
    Fulton Bank, National Association One Penn Square, P.O. Box 4887 Lancaster, PA 17604 Full Service B&M $826,772

    For 2019, Fulton Bank had 186 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $829,355
    Net interest income $665,793
    Total noninterest income $210,148
    Gross Fiduciary activities income $29,295
    Service charges on deposit accounts $47,477
    Trading account gains and fees $14,875
    Additional Noninterest Income $118,501
    Pre-tax net operating income $283,437
    Securities gains (or losses, -) $4,734
    Income before extraordinary items $244,224
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $244,224
    Minority interest net income $2,328
    Net income $241,896
    Sale, conversion, retirement of capital stock, net $33
    Net operating income $240,200

    Fulton Bank's gross interest income from loans was $829,355,000.
    Fulton Bank's net interest income from loans was $665,793,000.
    Fulton Bank's fee based income from loans was $47,477,000.
    Fulton Bank's net income from loans was $241,896,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $163,562
    Provision for credit losses $39,110
    Total noninterest expense $553,394
    Salaries and employee benefits $159,212
    Premises and equipment expense $57,125
    Additional noninterest expense $337,057
    Applicable income taxes $43,947
    Net charge-offs $36,025
    Cash dividends $197,000

    Fulton Bank's interest expense for loans was $163,562,000.
    Fulton Bank's payroll and benefits expense were $159,212,000.
    Fulton Bank's property, plant and equipment expenses $57,125,000.

    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 0.0%
    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 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $17,425,124
    Deposits held in domestic offices $17,425,124
    Deposits by Individuals, partnerships, and corporations $15,081,143
    Deposits by U.S. Government $1,270
    Deposits by States and political subdivisions in the U.S. $2,327,917
    Deposits by Commercial banks and other depository institutions in U.S. $14,795
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,854,639
    Demand deposits $2,025,881
    Nontransaction accounts $14,570,486
    Money market deposit accounts (MMDAs) $10,271,666
    Other savings deposits (excluding MMDAs) $1,504,623
    Total time deposits $2,794,196
    Total time and savings deposits $15,399,244
    Noninterest-bearing deposits $4,763,847
    Interest-bearing deposits $12,661,277
    Retail deposits $16,687,829
    IRAs and Keogh plan accounts $547,652
    Brokered deposits $264,531
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $21,759,565
    Cash & Balances due from depository institutions $487,580
    Interest-bearing balances $223,503
    Total securities $2,889,164
    Federal funds sold & reverse repurchase $0
    Net loans and leases $16,728,365
    Loan and leases loss allowance $163,622
    Trading account assets $143,423
    Bank premises and fixed assets $292,203
    Other real estate owned $6,831
    Goodwill and other intangibles $571,085
    All other assets $640,914

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $21,759,564
    Total Liabilities $19,160,057
    Total deposits $17,425,124
    Interest-bearing deposits $12,661,277
    Deposits held in domestic offices $17,425,124
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $67,548
    Trading liabilities $75,265
    Other borrowed funds $1,427,186
    Subordinated debt $0
    All other liabilities $164,934

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $16,728,365
    Loan and leases loss allowance $163,622
    Total loans and leases (domestic) $16,891,987
    All real estate loans $12,204,363
    Real estate loans in domestic offices $12,204,363
    Construction and development loans $842,390
    Residential 1-4 family construction $250,420
    Other construction, all land development and other land $591,970
    Loans secured by nonfarm nonresidential properties $5,709,129
    Nonfarm nonresidential secured by owner-occupied properties $3,046,795
    Commercial real estate & other non-farm, non-residential $2,662,334
    Multifamily residential real estate $521,302
    1-4 family residential loans $4,428,797
    Farmland loans $702,745
    Loans held in foreign offices $0
    Farm loans $175,046
    Commercial and industrial loans $2,498,868
    To non-U.S. addressees $0
    Loans to individuals $480,255
    Credit card loans $1
    Related Plans $44,947
    Consumer Auto Loans $222,929
    Other loans to individuals $212,378
    All other loans & leases $1,533,455
    Loans to foreign governments and official institutions $0
    Other loans $131,236
    Loans to depository institutions and acceptances of other banks $68,900
    Loans not secured by real estate $172,767
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $49,084
    Non 1-4 family restructured loans & leases $17,255
    Total loans and leases (foreign) $0

    Fulton Bank had $16,728,365,000 of loans outstanding in 2019. $12,204,363,000 of loans were in real estate loans. $842,390,000 of loans were in development loans. $521,302,000 of loans were in multifamily mortgage loans. $4,428,797,000 of loans were in 1-4 family mortgage loans. $175,046,000 of loans were in farm loans. $1,000 of loans were in credit card loans. $222,929,000 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 4,932 $1,007,607 $204,300
    Nonfarm, nonresidential loans - <$100k 746 $19,813 $26,559
    Nonfarm, nonresidential loans - $100-250k 1,458 $130,116 $89,243
    Nonfarm, nonresidential loans - $250k-1MM 2,728 $857,678 $314,398
    Commercial & Industrial, US addressed loans - <$1MM 9,516 $639,141 $67,165
    Commercial & Industrial, US addressed loans - <$100k 5,619 $91,361 $16,259
    Commercial & Industrial, US addressed loans - $100-250k 1,846 $139,131 $75,369
    Commercial & Industrial, US addressed loans - $250k-1MM 2,051 $408,649 $199,244
    Farmland loans - <$1MM 1,332 $159,512 $119,754
    Farmland loans - <$100k 460 $12,469 $27,107
    Farmland loans - $100-250k 421 $37,822 $89,838
    Farmland loans - $250k-1MM 451 $109,221 $242,175
    Agriculture operations loans - <$1MM 1,385 $75,976 $54,856
    Agriculture operations loans - <$100k 925 $21,081 $22,790
    Agriculture operations loans - $100-250k 326 $30,288 $92,908
    Agriculture operations loans - $250k-1MM 134 $24,607 $183,634