Fulton Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
89th2.0% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 213 | 191 | 1.9% | 2.0% | — | $28M |
| 2024 | 195 | 181 | 3.1% | 3.1% | — | $29M |
| 2025 | 210 | 192 | 1.9% | 2.0% | — | $32M |
What Fulton Savings Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 18 investment properties.
Who gets approved at Fulton Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 23 | 0.0% |
| $50k – $100k | 80 | 69 | 5.1% |
| $100k – $150k | 57 | 53 | 0.0% |
| $150k – $250k | 33 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 52 | 48 | 1.9% |
| 35–44 | 45 | 44 | 0.0% |
| 45–54 | 37 | 33 | 5.6% |
| 55–64 | 31 | 26 | 3.5% |
Where Fulton Savings Bank lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 210 | 192 | 1.9% | — | #203 |
Frequently asked questions
Fulton Savings Bank denied 2.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 15% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.