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We analyzed every closed loan from Atlantic Union Bank — 985 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Multi-Region · 14 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
Atlantic Union Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +29.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional15 markets | |
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 |
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 |
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
States Served
19
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALCOCTDCFLGAINMDMIMNNCNJNYPASCTNTXVAWV
Top Metro Areas by Place Specialization Score
1
Roanoke, VA, VAMSA
Volume: 116Mix: 11.78%of portfolio
Place
Exceptional2
Lynchburg, VA, VAMSA
Volume: 50Mix: 5.08%of portfolio
Place
Strong3
Arlington, VA-WVMSA
Volume: 118Mix: 11.98%of portfolio
Place
Strong4
Blacksburg, VAMSA
Volume: 30Mix: 3.05%of portfolio
Place
Strong5
Richmond, VA, VAMSA
Volume: 61Mix: 6.19%of portfolio
Place
Strong6
Washington, DC, DC-MDMSA
Volume: 22Mix: 2.23%of portfolio
Place
Sound7
Charlottesville, VA, VAMSA
Volume: 17Mix: 1.73%of portfolio
Place
Sound8
Virginia Beach, VA-NCMSA
Volume: 24Mix: 2.44%of portfolio
Place
Sound9
Greensboro, NCMSA
Volume: 18Mix: 1.83%of portfolio
Place
Sound10
Hagerstown, MD-WVMSA
Volume: 16Mix: 1.62%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 641Mix: 65.08%of portfolio
Place
Exceptional2
WVState
Volume: 148Mix: 15.03%of portfolio
Place
Strong3
NCState
Volume: 92Mix: 9.34%of portfolio
Place
Sound4
MDState
Volume: 36Mix: 3.65%of portfolio
Place
Sound5
INState
Volume: 20Mix: 2.03%of portfolio
Place
Sound6
DCState
Volume: 11Mix: 1.12%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.