Lender in Virginia · HMDA 2025
Atlantic Union Bank mortgages in Virginia
Atlantic Union Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Atlantic Union Bank originated 821 owner-occupied single-family loans in Virginia from 886 completed applications.
Its median conventional purchase loan costs were $5,500 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
821
of 886 applications
Denial rate
5.1%
Purchase · VA 6.9%
Rate spread
+0.14 pts
Conv. · VA +0.10 pts
Loan amount
$305,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 731 | 690 | 5.1% | 6.625% | +0.14 pts | $5,500 | $305,000 |
| Refinance | 69 | 57 | 13.0% | 6.375% | −0.01 pts | $5,110 | $365,000 |
| Cash-out refinance | 86 | 74 | 11.6% | 6.750% | +0.21 pts | $4,550 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Atlantic Union Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 40.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tazewell County | 1 | 74 | 23.8% |
| Northampton County | 2 | 14 | 9.7% |
| Richmond County | 2 | 6 | 8.2% |
| Rappahannock County | 3 | 5 | 6.1% |
| Pittsylvania County | 4 | 30 | 5.8% |
| Danville city | 5 | 18 | 5.6% |
| Bland County | 6 | 3 | 7.7% |
| Roanoke city | 7 | 37 | 3.0% |
| Russell County | 7 | 5 | 3.1% |
| Buchanan County | 7 | 3 | 5.5% |
| Westmoreland County | 8 | 17 | 3.8% |
| Accomack County | 8 | 11 | 3.6% |
| Franklin County | 9 | 18 | 2.8% |
| Salem city | 9 | 9 | 2.6% |
| Radford city | 9 | 6 | 3.8% |
| Charles City County | 9 | 3 | 3.2% |
| Roanoke County | 10 | 33 | 2.1% |
| Amherst County | 10 | 8 | 2.0% |
| Northumberland County | 10 | 5 | 2.4% |
| Bedford County | 11 | 22 | 1.8% |
| Pulaski County | 12 | 11 | 2.6% |
| Essex County | 12 | 4 | 2.5% |
| Lynchburg city | 14 | 16 | 1.7% |
| Madison County | 14 | 4 | 2.1% |
| Bath County | 15 | 1 | 2.7% |
| Fredericksburg city | 16 | 5 | 1.6% |
| Montgomery County | 18 | 12 | 1.4% |
| Henry County | 18 | 5 | 1.2% |
| Wythe County | 18 | 4 | 1.4% |
| Mathews County | 18 | 2 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology