The Mortgage Record
Lender report card · New Jersey

Fulton Bank, National Association

Lancaster, PA · What the federal mortgage record shows about how Fulton Bank, National Association treated New Jersey applicants, 2018–2025 — 4,918 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
86.0%
4,228 approved
Denial rate
14.0%
690 denied
Decisions
4,918
2018–2025
Avg. rate spread
+0.23 pp
vs. market benchmark
86.0% approved
14.0% denied

Share of 4,918 New Jersey applications Fulton Bank, National Association approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional87.6% of 4,578 · NJ 87%FHA64.1% of 306 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

76%82%88%94%100%98%90%89%80%82%85%84%89%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Fulton Bank, National Association’s rates ran -0.02 pp in line with than the typical New Jersey lender (average rate spread +0.23 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Fulton Bank, National Association approves

By income
Under $50k62.5% · 518$50–75k79.2% · 611$75–100k80.0% · 439$100–150k90.9% · 700$150–250k90.1% · 956$250k+93.0% · 1,639
By debt-to-income
Under 36%91.5% · 2,07636–43%92.6% · 1,62643–50%84.5% · 869Over 50%26.4% · 341
By down payment (LTV)
20%+ down90.7% · 2,76510–20% down86.1% · 4545–10% down79.7% · 4433–5% down75.2% · 451Under 3% down77.4% · 718

Why Fulton Bank, National Association denied applications

Debt-to-income ratio46% of denialsCredit history32% of denialsCollateral (value/type)19% of denialsOther11% of denialsIncomplete application10% of denialsUnverifiable information6% of denials

Where Fulton Bank, National Association lends in NJ

CountyDecisionsApproval
Ocean County77491.7%
Camden County48585.4%
Gloucester County41487.0%
Monmouth County39484.3%
Cape May County36094.4%
Burlington County35382.4%
Middlesex County29180.4%
Atlantic County26689.1%

Fees & closing costs

Median total loan costs
$6,000
home purchase
As % of loan
1.27%
NJ median 1.93%
Priced originations
2,824
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Fulton Bank, National Association’s home-purchase originations — 0.66 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $114. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Fulton Bank, National Association (LEI DZC62HF6UIZYJ08V1J90). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →