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Atlantic Union Bank
Bank|Glen Allen, VA|Multi-Region
Loans Originated
985
Applications
1,284
Volume
$328 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.293%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,138
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
Atlantic Union Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 15 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$333,538
Average Borrower Income
$144,975
Average Property Value
$444,431
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 652 | 66.2% | +0.214% | $2,219 |
FHA Loans | Strong | Strong | Sound | Strong | 175 | 17.8% | +0.685% | $2,076 |
VA Loans | Strong | Strong | Sound | Strong | 44 | 4.5% | -0.151% | $1,961 |
Jumbo Loans | Strong | Strong | Sound | Strong | 48 | 4.9% | -0.168% | $1,790 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 66 | 6.7% | +0.528% | $1,643 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 862 | 87.5% | +0.316% | $2,138 |
Refinance | Strong | Strong | Sound | Strong | 123 | 12.5% | +0.146% | $2,135 |
Geographic Coverage
Metro Areas
14
States Served
19
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Roanoke, VA, VAMSA
Volume: 116Mix: 11.78%
Place Specialization
Exceptional
2
Lynchburg, VA, VAMSA
Volume: 50Mix: 5.08%
Place Specialization
Strong
3
Arlington, VA-WVMSA
Volume: 118Mix: 11.98%
Place Specialization
Strong
4
Blacksburg, VAMSA
Volume: 30Mix: 3.05%
Place Specialization
Strong
5
Richmond, VA, VAMSA
Volume: 61Mix: 6.19%
Place Specialization
Strong
6
Washington, DC, DC-MDMSA
Volume: 22Mix: 2.23%
Place Specialization
Sound
7
Charlottesville, VA, VAMSA
Volume: 17Mix: 1.73%
Place Specialization
Sound
8
Virginia Beach, VA-NCMSA
Volume: 24Mix: 2.44%
Place Specialization
Sound
9
Greensboro, NCMSA
Volume: 18Mix: 1.83%
Place Specialization
Sound
10
Hagerstown, MD-WVMSA
Volume: 16Mix: 1.62%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 641Mix: 65.08%
Place Specialization
Exceptional
2
WVState
Volume: 148Mix: 15.03%
Place Specialization
Strong
3
NCState
Volume: 92Mix: 9.34%
Place Specialization
Sound
4
MDState
Volume: 36Mix: 3.65%
Place Specialization
Sound
5
INState
Volume: 20Mix: 2.03%
Place Specialization
Sound
6
DCState
Volume: 11Mix: 1.12%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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