Fulton Bank, National Association
Headquartered in LANCASTER, PA. Analysis based on 735 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $591.6M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Fulton Bank, National Association ranks #29 by charge-off rate (0.98%).
Total 7(a) loans
735
Total approved
$591.6M
Average loan
$805K
States funded in
11
Charge-off rate
0.98%
FY2020–FY2023 cohort
Paid-in-full rate
24.21%
Average rate
8.45%
Average term
158 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 62 |
| 722513 | Limited-Service Restaurants | 40 |
| 445310 | Beer, Wine, and Liquor Stores | 34 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 17 |
| 236118 | Residential Remodelers | 16 |
| 238210 | Electrical Contractors | 16 |
| 721110 | Hotels (except Casino Hotels) and Motels | 14 |
| 484110 | General Freight Trucking, Local | 12 |
| 713940 | Fitness and Recreational Sports Centers | 11 |
| 722410 | Drinking Places (Alcoholic Beverages) | 11 |
Top 10 states
| State | Loans |
|---|---|
| NJ | 282 |
| PA | 215 |
| MD | 115 |
| VA | 76 |
| DE | 27 |
| DC | 12 |
| NY | 4 |
| TX | 1 |
| NC | 1 |
| FL | 1 |
Top franchise brands financed
64 franchise loans across 49 distinct brands.
| Franchise | Loans |
|---|---|
| Red Roof Inn | 3 |
| Auntie Anne's | 3 |
| FASTSIGNS | 3 |
| AAMCO Transmissions | 3 |
| McAlister's Deli | 2 |
| Super 8 by Wyndhan | 2 |
| Joe Canal's Discount Liquor Ou | 2 |
| Play It Again Sports | 2 |
| California Tortilla | 2 |
| Soccer Shots | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.