Lender in Virginia · HMDA 2025
Fulton Bank, N.A. mortgages in Virginia
Fulton Bank, N.A.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Fulton Bank, N.A. originated 527 owner-occupied single-family loans in Virginia from 577 completed applications.
Its median conventional purchase loan costs were $6,390 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
527
of 577 applications
Denial rate
6.7%
Purchase · VA 6.9%
Rate spread
+0.22 pts
Conv. · VA +0.10 pts
Loan amount
$545,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 505 | 467 | 6.7% | 6.750% | +0.22 pts | $6,390 | $545,000 |
| Refinance | 58 | 55 | 5.2% | — | +0.10 pts | $5,360 | $865,000 |
| Cash-out refinance | 14 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Fulton Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 17 | 8.9% |
| Greene County | 4 | 17 | 4.5% |
| Albemarle County | 6 | 67 | 4.5% |
| Rappahannock County | 7 | 3 | 3.7% |
| Charlottesville city | 8 | 12 | 4.0% |
| Goochland County | 14 | 12 | 2.2% |
| Richmond city | 16 | 41 | 1.6% |
| Accomack County | 18 | 4 | 1.3% |
| Powhatan County | 19 | 8 | 1.4% |
| Nelson County | 19 | 3 | 1.9% |
| James City County | 21 | 17 | 1.3% |
| Culpeper County | 23 | 10 | 1.0% |
| Henrico County | 24 | 51 | 1.0% |
| Mecklenburg County | 24 | 3 | 1.0% |
| Northampton County | 25 | 2 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology