Fulton Bank, National Association: SBA Lending Record

What SBA's own loan files show about Fulton Bank, National Association as an SBA lender, and how a lender's record bears on a feasibility study.

Fulton Bank, National Association holds 1,258 loans approved from FY2017 to FY2026, worth $1.15 billion gross. Fulton Bank, National Association is all SBA 7(a), with 1,258 loans and no 504 loans credited. Fulton Bank, National Association has 1,258 loans assigned to it. Fulton Bank, National Association does not guarantee 1,258 loans; SBA does.

Fulton Bank, National Association asset and state spread

Fulton Bank, National Association lists Full-service restaurant, 119, Liquor store, 92, Limited-service restaurant, 62, Hotel and motel, 38 and Fitness center, 33 loans among its leading classes. The largest Fulton Bank, National Association group, 758 loans, fits no tracked class. Fulton Bank, National Association's states by loans run New Jersey, 504, Pennsylvania, 355, Maryland, 176, Virginia, 114 and Delaware, 37.

Fulton Bank, National Association: cancellations and charge-offs

Fulton Bank, National Association approvals cancelled after approval, FY2017 to FY2024: 18.6%, a floor. 19.1% is the Fulton Bank, National Association ceiling, counting undisbursed approvals as cancelled. At Fulton Bank, National Association, 4.9% of 548 loans were charged off, a floor. The Fulton Bank, National Association cohort covers FY2017 to FY2021 disbursements. Fulton Bank, National Association reads 3.1% on the five-year view. Fulton Bank, National Association: each rate is the least SBA shows.

Fulton Bank, National Association in a feasibility study

Fulton Bank, National Association: 119 loans in the Full-service restaurant class. Fulton Bank, National Association study must prove site traffic. 119 Full-service restaurant loans leave labour and food cost open. Fulton Bank, National Association history says nothing on seating demand. Fulton Bank, National Association counts 92 loans in the Liquor store class. Fulton Bank, National Association study must prove rent and margin. 92 Liquor store loans do not settle licence status. Fulton Bank, National Association total of $1.15 billion says nothing about any one site. Fulton Bank, National Association also has 758 loans in no tracked class. At Fulton Bank, National Association, the project must carry the case. For 504 Fulton Bank, National Association loans in New Jersey, local evidence still decides. Fulton Bank, National Association should be asked directly what it needs. 1,258 loans at Fulton Bank, National Association do not measure demand at one site. Fulton Bank, National Association: competing supply near the site matters most. Fulton Bank, National Association study: written support behind each revenue figure. Fulton Bank, National Association request needs build cost from quotes. Fulton Bank, National Association debt service needs a cautious revenue case.The appraisal comes from the property itself, and Fulton Bank, National Association loan history adds nothing to it. Fulton Bank, National Association study should state its downside case. Fulton Bank, National Association: assumptions stated, coverage tested, value supported. Fulton Bank, National Association carries $1.15 billion in gross approvals on 1,258 loans. Fulton Bank, National Association equity belongs in the study.

Fulton Bank, National Association cancellation floors stop at FY2024 approvals. Fulton Bank, National Association totals add FY2025 and FY2026 approvals. Fulton Bank, National Association cohort: 548 loans disbursed in FY2017 to FY2021. Fulton Bank, National Association figures describe loans held, not lender practices. Fulton Bank, National Association history of 1,258 loans promises nothing to a new borrower.

SBA loans held by Fulton Bank, National Association

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY20261,258
Gross dollars approved$1.15 billion
SBA 7(a) loans1,258
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)18.6%
The same, counting loans still undisbursed as cancelled (a ceiling)19.1%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)4.9%
Charged off within five years of approval3.1%
Loans in that cohort548

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes758
Full-service restaurant119
Liquor store92
Limited-service restaurant62
Hotel and motel38
Fitness center33
Coffee shop and snack bar23
Child care center19
Automotive mechanical repair (car and truck)17
Car wash15
Beverage manufacturing (breweries, wineries, distilleries)13
Beauty salon10
Caterers (includes banquet halls with catering staff)8
Medical office (physicians)8
Grocery store8
Warehouse and distribution5
Behavioral health and addiction treatment5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or areaLoans
New Jersey504
Pennsylvania355
Maryland176
Virginia114
Delaware37
District of Columbia17
New York9
Illinois8
Texas8
Florida5
Georgia5

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-7551.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Fulton Bank, National Association or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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