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 FY2026 | 1,258 |
|---|---|
| Gross dollars approved | $1.15 billion |
| SBA 7(a) loans | 1,258 |
| SBA 504 loans | 0 |
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 approval | 3.1% |
| Loans in that cohort | 548 |
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 class | Loans |
|---|---|
| Not in any of the 39 asset classes | 758 |
| Full-service restaurant | 119 |
| Liquor store | 92 |
| Limited-service restaurant | 62 |
| Hotel and motel | 38 |
| Fitness center | 33 |
| Coffee shop and snack bar | 23 |
| Child care center | 19 |
| Automotive mechanical repair (car and truck) | 17 |
| Car wash | 15 |
| Beverage manufacturing (breweries, wineries, distilleries) | 13 |
| Beauty salon | 10 |
| Caterers (includes banquet halls with catering staff) | 8 |
| Medical office (physicians) | 8 |
| Grocery store | 8 |
| Warehouse and distribution | 5 |
| Behavioral health and addiction treatment | 5 |
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 area | Loans |
|---|---|
| New Jersey | 504 |
| Pennsylvania | 355 |
| Maryland | 176 |
| Virginia | 114 |
| Delaware | 37 |
| District of Columbia | 17 |
| New York | 9 |
| Illinois | 8 |
| Texas | 8 |
| Florida | 5 |
| Georgia | 5 |
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.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study consultant
- First Commonwealth Bank: SBA Lending Record
- First National Bank of Pennsylvania: SBA Lending Record
- Northwest Bank (PA): SBA Lending Record
- Customers Bank: SBA Lending Record
- Meridian Bank: SBA Lending Record
- Mid Penn Bank: SBA Lending Record
- Firstrust Savings Bank: SBA Lending Record
- Univest Bank and Trust Co: SBA Lending Record
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.
Request Scope & Timeline
Start with the data.
Contact Us