Fulton Bank in Pennsylvania vs the state
18.9%Denial rate+0.60 pts vs state
21.3%Decision denial rate-0.87 pts vs state
68.5%Origination rate+7.56 pts vs state
6.49%Median rate-0.13 pts vs state
-0.40Rate spread (pts)-0.64 pts vs state
$85kMedian applicant income
3,211Loans originated
885Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,291 | 2,711 | 20.9% | 6.49% | #15 |
| 2024 | 4,666 | 2,989 | 19.9% | 6.49% | #14 |
| 2025 | 4,686 | 3,211 | 18.9% | 6.49% | #18 |
What Fulton Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Fulton Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 1,218 | 899 | 179 | 14.7% |
| York County | 567 | 413 | 90 | 15.9% |
| Berks County | 390 | 272 | 75 | 19.2% |
| Philadelphia County | 334 | 177 | 92 | 27.5% |
| Dauphin County | 272 | 174 | 62 | 22.8% |
| Lebanon County | 244 | 181 | 36 | 14.8% |
| Northampton County | 223 | 136 | 58 | 26.0% |
| Chester County | 210 | 143 | 37 | 17.6% |
| Cumberland County | 133 | 92 | 21 | 15.8% |
| Montgomery County | 122 | 80 | 23 | 18.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 4,686 applications in 2025, of which 3,211 were originated and 885 denied.
18.9% of all applications, or 21.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Fulton Bank originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Fulton Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology