We analyzed every closed loan from Atlantic Union Bank — 985 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 14 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Atlantic Union Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+29.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 652 | 66.2% | +0.214%Above | $2,219Fees | ||||
FHA Loans | 175 | 17.8% | +0.685%Above | $2,076Fees | ||||
VA Loans | 44 | 4.5% | -0.151%Below | $1,961Fees | ||||
Jumbo Loans | 48 | 4.9% | -0.168%Below | $1,790Fees | ||||
USDA Loans | 66 | 6.7% | +0.528%Above | $1,643Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume652
Mix66.2%
Spread
+0.214%Above
Fees
$2,219Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume175
Mix17.8%
Spread
+0.685%Above
Fees
$2,076Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume44
Mix4.5%
Spread
-0.151%Below
Fees
$1,961Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix4.9%
Spread
-0.168%Below
Fees
$1,790Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume66
Mix6.7%
Spread
+0.528%Above
Fees
$1,643Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 862 | 87.5% | +0.316%Above | $2,138Fees | ||||
Refinance | 123 | 12.5% | +0.146%Above | $2,135Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume862
Mix87.5%
Spread
+0.316%Above
Fees
$2,138Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume123
Mix12.5%
Spread
+0.146%Above
Fees
$2,135Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
985
Applications
1,284
Volume
$328 million
Pricing & Closing
Avg Rate Spread
+0.293%
vs. market APOR
Avg Net Fees
$2,138
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$333,538
Avg Borrower Income
$144,975
Avg Property Value
$444,431
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
19Northeast4
CTNJNYPA
Midwest3
INMIMN
South11
ALDCFLGAMDNCSCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Volume 116Mix 11.78% of portfolio
84/100
Exceptional
Volume 50Mix 5.08% of portfolio
70/100
Strong
Volume 118Mix 11.98% of portfolio
70/100
Strong
Volume 30Mix 3.05% of portfolio
65/100
Strong
Volume 61Mix 6.19% of portfolio
65/100
Strong
Volume 22Mix 2.23% of portfolio
51/100
Sound
Volume 17Mix 1.73% of portfolio
51/100
Sound
Volume 24Mix 2.44% of portfolio
50/100
Sound
Volume 18Mix 1.83% of portfolio
50/100
Sound
Volume 16Mix 1.62% of portfolio
49/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
VirginiaState
Volume 641Mix 65.08% of portfolio
87/100
Exceptional2
West VirginiaState
Volume 148Mix 15.03% of portfolio
79/100
Strong3
North CarolinaState
Volume 92Mix 9.34% of portfolio
59/100
Sound4
MarylandState
Volume 36Mix 3.65% of portfolio
52/100
Sound5
IndianaState
Volume 20Mix 2.03% of portfolio
44/100
Sound6
Washington, DCState
Volume 11Mix 1.12% of portfolio
43/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.