Purchase Originations
2,495
Ranked #185 nationally
Median Total Costs
$6,825
+2.2% vs national ($6,680)
↑ $287 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,836
Median Lender Credits
$500
Cost Rank (500+ vol.)
#349
among lenders with 500+ originations
Denial Rate
7.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,212 | 6.625% | $6,518 | $1,926 |
| fha | 232 | 6.125% | $10,081 | $1,449 |
| va | 50 | 6.250% | $9,516 | $1,449 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 1,173 | 6.625% | $6,338 | #17 |
| Virginia | 468 | 6.500% | $6,716 | #43 |
| Maryland | 357 | 6.500% | $6,962 | #38 |
| New Jersey | 314 | 6.500% | $8,120 | #48 |
| Delaware | 100 | 6.625% | $6,415 | #27 |
| District of Columbia | 45 | 6.375% | $8,253 | — |
| North Carolina | 17 | 6.750% | $6,965 | — |
| West Virginia | 14 | 6.562% | $6,377 | — |
| Florida | 5 | 6.250% | $5,892 | — |
| South Carolina | 2 | 6.812% | $8,187 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,328 | 6.500% | — | 51 | −$1,497 | |
| 2 | $5,525 | 6.625% | — | 73 | −$1,300 | |
| 3 | $5,532 | 6.562% | — | 46 | −$1,293 | |
| 4 | $5,634 | 6.625% | — | 175 | −$1,191 | |
| 5 | $5,701 | 6.750% | — | 34 | −$1,124 | |
| 6 | $5,742 | 6.750% | — | 104 | −$1,083 | |
| 7 | $5,824 | 6.500% | — | 36 | −$1,001 | |
| 8 | $6,105 | 6.625% | — | 57 | −$720 | |
| 9 | $6,123 | 6.438% | — | 54 | −$702 | |
| 10 | $6,259 | 6.500% | — | 72 | −$566 | |
| 11 | $6,261 | 6.625% | — | 56 | −$564 | |
| 12 | $6,421 | 6.500% | — | 260 | −$404 | |
| 13 | $6,527 | 6.625% | — | 52 | −$298 | |
| 14 | $6,616 | 6.500% | — | 77 | −$209 | |
| 15 | $7,370 | 6.375% | — | 61 | +$545 | |
| 16 | $7,520 | 6.625% | — | 52 | +$695 | |
| 17 | $7,757 | 6.625% | — | 34 | +$932 | |
| 18 | $8,253 | 6.375% | — | 45 | +$1,428 | |
| 19 | $9,168 | 6.625% | — | 37 | +$2,343 | |
| 20 | $9,291 | 6.375% | — | 81 | +$2,466 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Fulton Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,825 | $7,127 | −$302 (−4.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.