Fulton Bank in Virginia vs the state
12.6%Denial rate-3.31 pts vs state
15.1%Decision denial rate-5.14 pts vs state
69.9%Origination rate+10.39 pts vs state
6.49%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.08 pts vs state
$182kMedian applicant income
797Loans originated
144Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,162 | 795 | 13.8% | 6.38% | #54 |
| 2024 | 1,139 | 748 | 13.3% | 6.75% | #63 |
| 2025 | 1,140 | 797 | 12.6% | 6.49% | #65 |
What Fulton Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Fulton Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albemarle County | 103 | 82 | 7 | 6.8% |
| Henrico County | 98 | 77 | 7 | 7.1% |
| Richmond city | 85 | 67 | 9 | 10.6% |
| Virginia Beach city | 78 | 47 | 12 | 15.4% |
| Fairfax County | 70 | 55 | 7 | 10.0% |
| Chesterfield County | 56 | 34 | 9 | 16.1% |
| Norfolk city | 50 | 24 | 14 | 28.0% |
| Chesapeake city | 40 | 20 | 11 | 27.5% |
| James City County | 31 | 21 | 3 | 9.7% |
| Loudoun County | 31 | 13 | 11 | 35.5% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 1,140 applications in 2025, of which 797 were originated and 144 denied.
12.6% of all applications, or 15.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Fulton Bank originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology