Fulton Bank, National Association: what its borrowers actually paid (2025)
Fulton Bank, National Association reported 2,829 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 84 counties in 8 states, and 2,598 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
2,413 loans
across 83 counties with at least 5 such loans, 2025.
Refinance
416 loans
across 29 counties with at least 5 such loans, 2025.
Where Fulton Bank, National Association stands
Statewide, Fulton Bank, National Association ranks #19 of 424 lenders in Pennsylvania by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Lancaster County, PA | 274 | #2 of 92 | #11 of 36 | #17 of 34 |
| York County, PA | 178 | #7 of 108 | #23 of 38 | #10 of 37 |
| Berks County, PA | 111 | #5 of 93 | #21 of 24 | #6 of 23 |
| Ocean County, NJ | 83 | #17 of 125 | #10 of 48 | #46 of 48 |
| Philadelphia County, PA | 79 | #30 of 145 | #32 of 65 | #32 of 64 |
| Dauphin County, PA | 74 | #9 of 73 | #12 of 20 | #7 of 20 |
| Baltimore city, MD | 73 | #18 of 116 | #10 of 37 | #12 of 37 |
| Montgomery County, MD | 62 | #32 of 156 | #20 of 56 | #38 of 56 |
| Cumberland County, PA | 57 | #12 of 77 | #15 of 25 | #10 of 25 |
| Baltimore County, MD | 56 | #29 of 152 | #33 of 51 | #19 of 51 |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Lancaster County, PA | 274 | 6.5%county 6.525% | $6,421county $6,499 | $2,055 | $1,609 | $265,000county $295,000 |
| York County, PA | 178 | 6.625%county 6.575% | $5,634county $6,744 | $1,756 | $972 | $225,000county $265,000 |
| Berks County, PA | 111 | 6.75%county 6.625% | $5,742county $7,097 | $1,663 | $690 | $275,000county $265,000 |
| Ocean County, NJ | 83 | 6.375%county 6.625% | $9,291county $6,753 | $1,999 | $1,138 | $1,165,000county $395,000 |
| Philadelphia County, PA | 79 | 6.5%county 6.5% | $6,616county $6,897 | $1,755 | $1,923 | $195,000county $275,000 |
| Dauphin County, PA | 74 | 6.625%county 6.5% | $5,525county $6,137 | $1,449 | $938 | $235,000county $245,000 |
| Baltimore city, MD | 73 | 6.5%county 6.5% | $6,259county $7,315 | $2,353 | $2,177 | $205,000county $265,000 |
| Montgomery County, MD | 62 | 6.375%county 6.375% | $7,370county $6,741 | $1,449 | $4,388 | $835,000county $525,000 |
| Cumberland County, PA | 57 | 6.625%county 6.5% | $6,105county $6,546 | $1,910 | $900 | $285,000county $285,000 |
| Baltimore County, MD | 56 | 6.625%county 6.5% | $6,261county $7,646 | $1,999 | $1,882 | $325,000county $345,000 |
| Albemarle County, VA | 56 | 6.49%county 6.5% | $6,123county $5,797 | $1,449 | $732 | $800,000county $415,000 |
| Sussex County, DE | 55 | 6.625%county 6.5% | $6,527county $6,876 | $1,999 | $1,242 | $405,000county $335,000 |
| Lebanon County, PA | 55 | 6.5%county 6.575% | $5,328county $6,826 | $1,449 | $970 | $255,000county $255,000 |
| Chester County, PA | 54 | 6.562%county 6.5% | $7,520county $7,496 | $1,793 | $2,180 | $530,000county $435,000 |
| Henrico County, VA | 46 | 6.562%county 6.5% | $5,532county $5,958 | $1,449 | $1,062 | $440,000county $345,000 |
| District of Columbia, DC | 45 | 6.375%county 6.375% | $8,253county $7,488 | $1,449 | $4,654 | $725,000county $565,000 |
| Howard County, MD | 37 | 6.5%county 6.49% | $7,757county $6,878 | $1,449 | $4,571 | $605,000county $505,000 |
| Montgomery County, PA | 37 | 6.625%county 6.5% | $9,168county $7,347 | $1,764 | $2,283 | $715,000county $395,000 |
| Richmond city, VA | 36 | 6.5%county 6.5% | $5,824county $5,614 | $1,449 | $892 | $595,000county $355,000 |
| New Castle County, DE | 34 | 6.75%county 6.49% | $5,701county $7,169 | $1,959 | $1,532 | $285,000county $345,000 |
| Delaware County, PA | 34 | 6.625%county 6.5% | $8,321county $7,419 | $1,449 | $2,080 | $445,000county $315,000 |
| Northampton County, PA | 30 | 6.438%county 6.625% | $7,978county $6,912 | $1,719 | $5,813 | $500,000county $305,000 |
| Bucks County, PA | 28 | 6.5%county 6.5% | $9,685county $7,319 | $1,630 | $3,000 | $635,000county $395,000 |
| Fairfax County, VA | 28 | 6.5%county 6.375% | $7,501county $6,612 | $1,449 | $4,946 | $1,110,000county $605,000 |
| Franklin County, PA | 27 | 6.75%county 6.5% | $5,444county $6,580 | $1,841 | $729 | $265,000county $255,000 |
| Northumberland County, PA | 27 | 6.5%county 6.625% | $5,792county $5,554 | $1,449 | $479 | $185,000county $165,000 |
| Burlington County, NJ | 26 | 6.562%county 6.575% | $7,000county $6,950 | $1,522 | $1,213 | $555,000county $355,000 |
| Camden County, NJ | 25 | 6.5%county 6.625% | $6,747county $6,854 | $1,829 | $1,273 | $405,000county $315,000 |
| Prince George's County, MD | 24 | 6.625%county 6.49% | $9,840county $10,386 | $1,924 | $2,400 | $410,000county $435,000 |
| Gloucester County, NJ | 24 | 6.375%county 6.625% | $7,060county $7,112 | $1,999 | $994 | $400,000county $325,000 |
| Monmouth County, NJ | 24 | 6.495%county 6.5% | $7,794county $7,140 | $1,449 | n/a | $985,000county $525,000 |
| Atlantic County, NJ | 23 | 6.625%county 6.625% | $7,526county $6,112 | $1,999 | $642 | $565,000county $305,000 |
| Virginia Beach city, VA | 23 | 6.625%county 6.375% | $6,748county $8,063 | $1,999 | $6,065 | $605,000county $365,000 |
| Anne Arundel County, MD | 22 | 6.625%county 6.49% | $7,314county $8,314 | $1,449 | $2,214 | $665,000county $445,000 |
| Harford County, MD | 22 | 6.5%county 6.5% | $8,060county $7,712 | $2,284 | $3,175 | $405,000county $365,000 |
| Lehigh County, PA | 20 | 6.37%county 6.624% | $6,491county $6,814 | $1,449 | $862 | $385,000county $305,000 |
| Adams County, PA | 19 | 6.625%county 6.625% | $6,073county $6,724 | $1,999 | $397 | $365,000county $295,000 |
| Snyder County, PA | 19 | 6.625%county 6.54% | $4,892county $5,524 | $1,449 | $600 | $195,000county $210,000 |
| Chesterfield County, VA | 18 | 6.5%county 6.49% | $6,802county $6,761 | $1,587 | $1,781 | $690,000county $375,000 |
| Middlesex County, NJ | 17 | 6.25%county 6.5% | $8,993county $7,255 | $1,999 | $687 | $645,000county $475,000 |
| James City County, VA | 17 | 6.625%county 6.375% | $7,759county $6,103 | $1,999 | $1,022 | $855,000county $395,000 |
| Frederick County, MD | 16 | 6.625%county 6.5% | $6,985county $7,196 | $1,999 | $5,996 | $780,000county $435,000 |
| Bergen County, NJ | 16 | 6.375%county 6.5% | $11,751county $7,974 | $1,999 | $7,252 | $1,135,000county $605,000 |
| Columbia County, PA | 16 | 6.433%county 6.625% | $6,578county $5,672 | $1,449 | $911 | $275,000county $205,000 |
| Schuylkill County, PA | 15 | 6.625%county 6.625% | $4,204county $6,239 | $1,449 | $403 | $145,000county $175,000 |
| Madison County, VA | 15 | 6.375%county 6.5% | $7,188county $6,747 | $1,999 | $1,195 | $335,000county $355,000 |
| Kent County, DE | 14 | 6.688%county 6.25% | $6,238county $9,711 | $1,560 | $4,613 | $320,000county $325,000 |
| Union County, NJ | 14 | 6.312%county 6.5% | $9,250county $9,121 | $1,724 | n/a | $1,100,000county $565,000 |
| Greene County, VA | 14 | 6.375%county 6.375% | $7,877county $7,588 | $2,133 | $1,528 | $380,000county $365,000 |
| Washington County, MD | 13 | 6.625%county 6.5% | $4,480county $8,085 | $1,449 | $2,025 | $205,000county $295,000 |
Showing the 50 counties where this lender closed the most purchase loans in 2025, out of 83 counties with at least 5 such loans.
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did Fulton Bank, National Association borrowers get in 2025?
Across the counties where Fulton Bank, National Association closed the most home-purchase loans in 2025, its county median rates ran from 6.25% to 6.75%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from Fulton Bank, National Association today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might Fulton Bank, National Association's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.