# Atlantic Union Bank

> **Canonical URL:** https://saferate.com/lenders/atlantic-union-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Atlantic Union Bank is a bank, headquartered in Glen Allen, VA, serving borrowers across 19 states, with 985 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ZTT08EKQRVTR15
- **Headquarters:** Glen Allen, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, CO, CT, DC, FL, GA, IN, MD, MI, MN, NC, NJ, NY, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.293%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,138
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 985
- **Dollar Volume:** $329 million
- **Applications Received:** 1,284
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $333,538
- **Average Borrower Income:** $144,975
- **Average Property Value:** $444,431

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 652 | +0.214% | $2,219 | Strong 😀 |
| FHA | 71/100 | 175 | +0.685% | $2,076 | Strong 😀 |
| VA | 63/100 | 44 | -0.151% | $1,961 | Strong 😀 |
| Jumbo | 73/100 | 48 | -0.168% | $1,790 | Strong 😀 |
| USDA | 84/100 | 66 | +0.528% | $1,643 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 544 loans, Score: 68/100 (Strong)
- Refinance: 108 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 169 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 40 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 43 loans, Score: 74/100 (Strong)

**USDA:**
- Purchase: 66 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 862 | $291M | +0.316% | Strong 😀 |
| Refinance | 65/100 | 123 | $38M | +0.146% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 641 | 0.59% | 87/100 |
| WV | 148 | 0.96% | 79/100 |
| NC | 92 | 0.06% | 59/100 |
| MD | 36 | 0.05% | 52/100 |
| IN | 20 | 0.02% | 44/100 |
| DC | 11 | 0.19% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 358 | 70/100 |
| Arlington | VA-WV | 118 | 70/100 |
| Roanoke, VA | VA | 116 | 84/100 |
| Richmond, VA | VA | 61 | 65/100 |
| Lynchburg, VA | VA | 50 | 70/100 |
| Blacksburg | VA | 30 | 65/100 |
| Virginia Beach | VA-NC | 24 | 50/100 |
| Washington, DC | DC-MD | 22 | 51/100 |
| Greensboro | NC | 18 | 50/100 |
| Indianapolis | IN | 18 | 46/100 |
| Charlottesville, VA | VA | 17 | 51/100 |
| Hagerstown | MD-WV | 16 | 49/100 |
| Burlington, NC | NC | 13 | 49/100 |
| Frederick | MD | 11 | 42/100 |
| Beckley, WV | WV | 10 | 44/100 |

## Where This Lender Ranks

Atlantic Union Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Roanoke, VA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Lynchburg, VA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lynchburg, VA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Roanoke, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lynchburg, VA Banks
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/banks)
- 🥈 **#2** in Beckley, WV for USDA Loans
  - [View Full Rankings](https://saferate.com/beckley-wv/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Beckley, WV for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/beckley-wv/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Roanoke, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Lynchburg, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Blacksburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Roanoke, VA Banks
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks)
- 🏆 **#6** in West Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#7** in Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Roanoke, VA
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders)
- 🏆 **#7** in Charlottesville, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Burlington, NC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Richmond, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Blacksburg
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders)
- 🏆 **#9** in Virginia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Atlantic Union Bank offer?

Atlantic Union Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Atlantic Union Bank offer mortgages?

Atlantic Union Bank offers mortgages in 19 states: AL, CO, CT, DC, FL, GA, IN, MD, MI, MN, NC, NJ, NY, PA, SC, TN, TX, VA, WV.

### How competitive are Atlantic Union Bank's mortgage rates?

Atlantic Union Bank has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.293% above market average.

### What type of lender is Atlantic Union Bank?

Atlantic Union Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Glen Allen, VA.

### What is Atlantic Union Bank's loan approval success rate?

Atlantic Union Bank has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/atlantic-union-bank

### How to Cite

> "Atlantic Union Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/atlantic-union-bank

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