Atlantic Union Bank Mortgage Rates, Fees & Info

Richmond, VA

LEI: 549300ZTT08EKQRVTR15

Tax ID: 80-0463989

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Atlantic Union Bank is a small bank specializing in Refi and Home Purchase loans. Atlantic Union Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Richmond, Atlanta, Virginia Beach, and Nashville among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Atlantic Union Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Atlantic Union Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/18/24
    30 Year Conventional Purchase 6.85% 4/18/24
    30 Year Conventional Refi 6.66% 4/18/24
    30 Year Cash-out Refi 6.89% 4/18/24
    30 Year FHA Purchase 7.63% 4/18/24
    30 Year FHA Refi 6.91% 4/18/24
    30 Year VA Purchase 6.45% 4/18/24
    30 Year USDA Purchase 7.05% 4/18/24
    15 Year Conventional Purchase 6.34% 4/18/24
    15 Year Conventional Refi 6.24% 4/18/24
    15 Year Cash-out Refi 6.24% 4/18/24
    15 Year FHA Refi 5.68% 4/18/24
    15 Year VA Purchase 6.98% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Atlantic Union Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Atlantic Union Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,488

    Origination Dollar Volume (All Markets)

    $1,423,150,000

    Employee count

    1,879

    Awards

    Atlantic Union Bank 30 Year Conventional Loans silver Atlantic Union Bank VA Loans gold
    Show all (2) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,206 $444,770,000 $368,798 $4,843 3.38%
    RICHMOND, VA (FHA|USDA|VA) 896 $191,340,000 $213,549 $4,306 3.80%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 353 $124,765,000 $353,442 $6,865 3.43%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 421 $113,455,000 $269,489 $4,306 3.97%
    Outside of Metro Areas 587 $89,575,000 $152,598 $4,453 3.78%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 136 $52,310,000 $384,632 $7,501 3.49%
    ROANOKE, VA (FHA|USDA|VA) 285 $50,985,000 $178,895 $5,060 3.63%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 187 $45,415,000 $242,861 $6,734 3.61%
    HARRISONBURG, VA (FHA|USDA|VA) 63 $32,555,000 $516,746 $2,929 3.92%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 211 $31,555,000 $149,550 $4,886 3.77%
    Bluefield, WV-VA (FHA|USDA|VA) 213 $30,355,000 $142,512 $5,513 3.17%
    STAUNTON, VA (FHA|USDA|VA) 167 $25,745,000 $154,162 $3,435 3.79%
    LYNCHBURG, VA (FHA|USDA|VA) 154 $23,150,000 $150,325 $4,360 3.76%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 97 $21,975,000 $226,546 $2,749 3.33%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 80 $16,260,000 $203,250 $4,916 3.37%
    Kill Devil Hills, NC (FHA|USDA|VA) 42 $10,720,000 $255,238 $3,731 3.85%
    SALISBURY, MD-DE (FHA|USDA|VA) 30 $9,000,000 $300,000 $4,695 3.32%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 24 $8,310,000 $346,250 $4,963 3.22%
    Boone, NC (FHA|USDA|VA) 1 $7,345,000 $7,345,000 $0 3.46%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $6,200,000 $1,033,333 $9,143 3.19%
    WINCHESTER, VA-WV (FHA|USDA|VA) 28 $5,780,000 $206,429 $4,634 3.65%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 11 $4,215,000 $383,182 $3,444 3.24%
    RALEIGH-CARY, NC (FHA|USDA|VA) 17 $4,185,000 $246,176 $11,579 3.38%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 20 $4,180,000 $209,000 $4,697 3.34%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 11 $3,695,000 $335,909 $4,074 3.09%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 9 $3,355,000 $372,778 $5,313 3.43%
    WILMINGTON, NC (FHA|USDA|VA) 11 $2,795,000 $254,091 $11,842 3.81%
    Elizabeth City, NC (FHA|USDA|VA) 19 $2,555,000 $134,474 $3,350 3.90%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,375,000 $339,286 $4,021 3.36%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,240,000 $280,000 $6,434 3.36%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,230,000 $371,667 $5,591 2.77%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $2,000,000 $500,000 $5,528 3.31%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 9 $1,755,000 $195,000 $7,189 2.86%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,725,000 $575,000 $6,322 3.17%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,644 3.18%
    Roanoke Rapids, NC (FHA|USDA|VA) 4 $1,580,000 $395,000 $7,264 3.64%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,545,000 $309,000 $3,774 3.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,535,000 $511,667 $3,231 3.42%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,315,000 $263,000 $3,576 3.30%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $7,001 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,476 3.38%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,040,000 $260,000 $6,366 2.66%
    Danville, VA (FHA|USDA|VA) 3 $915,000 $305,000 $4,271 3.42%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $895,000 $895,000 $5,957 3.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $880,000 $440,000 $11,096 2.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $860,000 $430,000 $6,017 3.56%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $860,000 $215,000 $6,482 3.09%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $850,000 $212,500 $0 3.61%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $845,000 $281,667 $6,803 2.79%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $810,000 $405,000 $6,651 2.75%
    ROME, GA (FHA|USDA|VA) 1 $785,000 $785,000 $8,983 3.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $745,000 $248,333 $5,339 3.54%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $725,000 $725,000 $0 4.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $700,000 $175,000 $1,504 3.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $690,000 $345,000 $3,488 3.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $655,000 $218,333 $5,204 3.21%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $630,000 $315,000 $5,276 3.56%
    Jefferson, GA (FHA|USDA|VA) 3 $625,000 $208,333 $5,482 3.83%
    COLUMBUS, OH (FHA|USDA|VA) 2 $620,000 $310,000 $4,532 3.25%
    Atchison, KS (FHA|USDA|VA) 2 $580,000 $290,000 $2,786 2.81%
    Sevierville, TN (FHA|USDA|VA) 2 $550,000 $275,000 $6,835 4.06%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $535,000 $178,333 $4,607 3.04%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $515,000 $515,000 $7,779 3.00%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $515,000 $515,000 $5,338 3.00%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $510,000 $255,000 $4,278 3.44%
    Key West, FL (FHA|USDA|VA) 1 $465,000 $465,000 $5,997 2.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $460,000 $230,000 $4,849 3.94%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $455,000 $455,000 $4,552 2.63%
    COLUMBIA, SC (FHA|USDA|VA) 2 $440,000 $220,000 $6,695 3.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $430,000 $215,000 $5,727 3.00%
    Greeneville, TN (FHA|USDA|VA) 1 $425,000 $425,000 $3,905 3.25%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $420,000 $210,000 $4,160 2.81%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $415,000 $415,000 $3,063 4.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $405,000 $135,000 $3,527 3.50%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $405,000 $405,000 $3,900 3.50%
    MORGANTOWN, WV (FHA|USDA|VA) 2 $390,000 $195,000 $4,829 2.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $380,000 $190,000 $3,684 2.69%
    Torrington, CT (FHA|USDA|VA) 1 $345,000 $345,000 $2,933 3.38%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $335,000 $335,000 $6,136 3.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $335,000 $335,000 $8,248 3.25%
    PEORIA, IL (FHA|USDA|VA) 1 $335,000 $335,000 $9,242 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,598 2.88%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $325,000 $325,000 $2,935 2.75%
    Fredericksburg, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,348 3.38%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $325,000 $325,000 $3,646 3.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $315,000 $315,000 $8,547 3.63%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $6,097 3.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $300,000 $150,000 $6,439 3.56%
    Morehead City, NC (FHA|USDA|VA) 1 $295,000 $295,000 $4,313 3.25%
    EL PASO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $6,736 2.88%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $275,000 $275,000 $3,514 4.13%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $275,000 $275,000 $3,526 3.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,764 3.25%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $265,000 $265,000 $10,352 3.63%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $265,000 $265,000 $5,999 4.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,988 3.00%
    Brainerd, MN (FHA|USDA|VA) 1 $255,000 $255,000 $4,647 3.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $255,000 $255,000 $6,170 4.50%
    Lumberton, NC (FHA|USDA|VA) 1 $245,000 $245,000 $6,077 3.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,843 2.88%
    Sayre, PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,427 2.88%
    DOVER, DE (FHA|USDA|VA) 1 $235,000 $235,000 $3,434 3.13%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,960 3.63%
    BURLINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.85%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,454 3.38%
    CHARLESTON, WV (FHA|USDA|VA) 2 $220,000 $110,000 $2,982 3.38%
    READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,072 3.38%
    Waycross, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,355 3.50%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,335 3.00%
    Martinsville, VA (FHA|USDA|VA) 3 $195,000 $65,000 $5,481 5.45%
    YUMA, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $10,301 3.13%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $6,590 3.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,324 2.88%
    Martin, TN (FHA|USDA|VA) 1 $175,000 $175,000 $7,759 3.13%
    Cookeville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,476 3.63%
    JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,092 2.88%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $155,000 $155,000 $4,823 2.38%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,950 4.25%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,332 2.88%
    CLEVELAND, TN (FHA|USDA|VA) 1 $145,000 $145,000 $5,136 4.13%
    Americus, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,640 3.63%
    New Castle, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,625 3.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,182 3.88%
    TULSA, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,785 3.63%
    Angola, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,588 3.13%
    Fort Polk South, LA (FHA|USDA|VA) 1 $105,000 $105,000 $4,954 4.13%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $2,110 2.88%
    Big Stone Gap, VA (FHA|USDA|VA) 1 $95,000 $95,000 $5,001 3.25%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,945 3.13%
    BECKLEY, WV (FHA|USDA|VA) 1 $75,000 $75,000 $3,064 2.88%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $75,000 $75,000 $3,999 3.13%
    Crawfordsville, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,245 4.13%
    Washington, NC (FHA|USDA|VA) 1 $35,000 $35,000 $114 5.50%
    Atlantic Union Bank's top markets include Washington, Richmond, Atlanta, Virginia Beach, and Nashville among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Atlantic Union Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Farmers and Merchants Trust Company of Chambersburg
    Similarity Rank: 54
    NATIONAL BANKSHARES, INC.
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    BEACH MUNICIPAL FEDERAL CREDIT UNION
    Similarity Rank: 90
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    Similarity Rank: 376
    Independent Federal Credit Union
    Similarity Rank: 441
    Madison County Federal Credit Union
    Similarity Rank: 488
    ABNB Federal Credit Union
    Similarity Rank: 496
    F & M BANK CORP.
    Similarity Rank: 500
    Huntingdon Valley Bank
    Similarity Rank: 640
    Hebron Savings Bank
    Similarity Rank: 680

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,988 $1,057,930,000 $354,060 $4,726 3.45%
    HELOC 1,954 $246,580,000 $126,192 n/a 3.93%
    FHA 250 $48,220,000 $192,880 $7,859 3.42%
    VA 155 $49,375,000 $318,548 $6,504 2.95%
    USDA 141 $21,045,000 $149,255 $5,464 3.21%

    For 2020, Atlantic Union Bank's most frequently originated type of loan was Conventional, with 2,988 originations. Their 2nd most popular type was HELOC, with 1,954 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,698 $600,010,000 $353,363 $4,248 3.33%
    Home Purchase 1,587 $479,425,000 $302,095 $5,981 3.48%
    Other 1,274 $167,230,000 $131,264 $462 3.96%
    Home Improvement 489 $47,115,000 $96,350 $397 4.17%
    Cash Out Refi 440 $129,370,000 $294,023 $5,151 3.39%

    For 2020, Atlantic Union Bank's most frequently cited loan purpose was Refi, with 1,698 originations. The 2nd most popular reason was Home Purchase, with 1,587 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,683 $1,115,475,000 $238,197 $5,213 3.56%
    15 Year 293 $84,085,000 $286,980 $4,376 3.08%
    5 Year 187 $75,455,000 $403,503 $403 4.28%
    20 Year 104 $23,180,000 $222,885 $2,937 4.18%
    30+ year 69 $32,555,000 $471,812 $8,103 3.69%
    Other 61 $29,175,000 $478,279 $3,788 4.16%
    10 Year 47 $52,905,000 $1,125,638 $1,044 4.41%
    1 Year 39 $8,865,000 $227,308 $0 5.03%
    3 Year 5 $1,455,000 $291,000 $0 4.05%

    For 2020, Atlantic Union Bank's most frequently cited loan duration was 30 Year, with 4,683 originations. The 2nd most popular length was 15 Year, with 293 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,604 $498,100,000 $310,536
    $2k-3k 617 $166,225,000 $269,408
    $3k-4k 319 $85,795,000 $268,950
    $5k+ 302 $162,860,000 $539,272
    $<1k 204 $39,750,000 $194,853
    $4k-5k 192 $63,040,000 $328,333

    Atlantic Union Bank's average total fees were $5,213, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,604 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,753 $772,475,000 $280,594
    2.5-3% 1,590 $460,580,000 $289,673
    4-5% 650 $108,320,000 $166,646
    5-6% 261 $19,725,000 $75,575
    <2.5% 105 $57,025,000 $543,095
    6-7% 82 $3,590,000 $43,780
    7-8% 32 $1,010,000 $31,563
    Over 8% 15 $425,000 $28,333

    During 2020, Atlantic Union Bank's average interest rate for loans was 3.56%, while their most frequently originated rate bucket for loans was 3-4%, with 2,753 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,684 $462,630,000 $274,721 $5,103 3.31%
    $100k-200k 1,598 $234,500,000 $146,746 $4,203 3.47%
    $100,000 or less 1,294 $75,770,000 $58,555 $2,747 4.37%
    $400k-600k 567 $271,225,000 $478,351 $5,494 3.19%
    $600k-1MM 245 $184,415,000 $752,714 $7,654 3.34%
    $1MM+ 100 $194,610,000 $1,946,100 $14,663 3.39%

    2020 saw Atlantic Union Bank place emphasis on $200k-400k loans with 1,684 originations, totaling $462,630,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,044 $169,330,000 $162,193 $4,803 3.67%
    $100k-150k 977 $228,215,000 $233,588 $4,809 3.56%
    $150k-250k 830 $279,290,000 $336,494 $5,618 3.42%
    $50k or less 810 $88,290,000 $109,000 $4,300 3.72%
    $75k-100k 804 $156,380,000 $194,502 $4,780 3.61%
    $250k+ 546 $293,750,000 $538,004 $7,079 3.36%

    Atlantic Union Bank lent most frequently to those with incomes in the $50k-75k range, with 1,044 originations. The second most popular income band? $100k-150k, with 977 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,226 $308,550,000 $251,672 $4,751 3.49%
    30-36% 905 $223,225,000 $246,657 $5,087 3.62%
    <20% 604 $171,830,000 $284,487 $4,737 3.36%
    49% 318 $57,380,000 $180,440 $6,104 3.51%
    44% 278 $50,200,000 $180,576 $5,622 3.79%
    39% 188 $35,180,000 $187,128 $4,821 3.93%
    41% 178 $50,370,000 $282,978 $5,084 3.63%
    38% 176 $47,090,000 $267,557 $5,477 3.62%
    36% 174 $41,640,000 $239,310 $5,367 3.69%
    37% 170 $40,270,000 $236,882 $4,641 3.67%
    42% 168 $42,390,000 $252,321 $5,790 3.72%
    43% 157 $37,415,000 $238,312 $5,859 3.54%
    40% 150 $40,420,000 $269,467 $5,390 3.49%
    45% 113 $22,595,000 $199,956 $5,850 3.53%
    46% 101 $23,345,000 $231,139 $5,373 3.52%
    48% 96 $20,570,000 $214,271 $5,463 3.49%
    47% 92 $20,660,000 $224,565 $5,356 3.42%
    50-60% 33 $8,795,000 $266,515 $9,177 3.62%
    >60% 15 $3,235,000 $215,667 $532 5.28%

    Atlantic Union Bank lent most frequently to those with DTI ratios of 20-30%, with 1,226 originations. The next most common DTI ratio? 30-36%, with 905 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,472 $1,068,100,000 $238,842 $5,025 3.56%
    Not applicable 247 $147,735,000 $598,117 $0 4.19%
    Not provided 333 $97,505,000 $292,808 $5,206 3.54%
    Black 281 $56,155,000 $199,840 $5,481 3.88%
    Asian 119 $45,135,000 $379,286 $5,750 3.32%
    American Indian 21 $4,425,000 $210,714 $5,590 3.63%
    Native Hawaiian or Islander 7 $1,505,000 $215,000 $3,496 3.49%
    Asian Indian 3 $1,325,000 $441,667 $0 3.75%
    Other Pacific Islander 1 $705,000 $705,000 $0 3.00%
    Korean 3 $385,000 $128,333 $0 3.41%
    Filipino 1 $175,000 $175,000 $0 3.00%

    Approval Rates

    Total approvals of all applications
    80.17%

    Atlantic Union Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.70%

    Atlantic Union Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,488 $1,423,150,000 $259,320

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $365,000 $365,000
    Multifamily:Site-Built 64 $110,020,000 $1,719,063
    Single Family (1-4 Units):Manufactured 56 $4,660,000 $83,214
    Single Family (1-4 Units):Site-Built 5,367 $1,308,105,000 $243,731

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 816 $114,010,000 $139,718 $3,187 3.73%
    40-60% 858 $246,370,000 $287,145 $4,221 3.33%
    60-80% 1,573 $574,555,000 $365,261 $4,854 3.42%
    80-100% 1,477 $431,485,000 $292,136 $5,820 3.41%
    Over 100% 31 $9,585,000 $309,194 $9,957 3.09%
    Under 20% 733 $47,145,000 $64,318 $682 4.58%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Atlantic Union Bankshares, Inc. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Atlantic Union Bank 100 Dominion Drive Emporia, VA 23847 Full Service B&M $73,299
    Atlantic Union Bank 100 Lucy Lane Waynesboro, VA 22980 Full Service B&M $92,490
    Atlantic Union Bank 100 Moyock Commons Drive Moyock, NC 27958 Full Service B&M $23,429
    Atlantic Union Bank 1000 North Main Street Suffolk, VA 23434 Full Service B&M $107,039
    Atlantic Union Bank 10045 Kings Highway King George, VA 22485 Full Service B&M $132,841
    Atlantic Union Bank 1006 Hardy Road Vinton, VA 24179 Full Service B&M $36,625
    Atlantic Union Bank 10131 Jefferson Davis Highway Fredericksburg, VA 22407 Full Service B&M $42,165
    Atlantic Union Bank 102 Catoctin Circle Southeast Leesburg, VA 20175 Full Service B&M $278,820
    Atlantic Union Bank 102 South Main Street Culpeper, VA 22701 Full Service B&M $168,464
    Atlantic Union Bank 103 Pocomoke Marketplace Pocomoke City, MD 21851 Full Service B&M $32,749
    Atlantic Union Bank 10415 Courthouse Road Spotsylvania, VA 22553 Full Service B&M $67,691
    Atlantic Union Bank 1044 Warrenton Road Fredericksburg, VA 22406 Full Service B&M $65,210
    Atlantic Union Bank 105 Arbor Drive Christiansburg, VA 24073 Full Service B&M $227,411
    Atlantic Union Bank 1051 East Cary Street, Suite 1200 Richmond, VA 23219 Full Service B&M $1,885,851
    Atlantic Union Bank 106 Sixth Street Grottoes, VA 24441 Full Service B&M $45,081
    Atlantic Union Bank 10620 Iron Bridge Road Chester, VA 23831 Full Service B&M $57,557
    Atlantic Union Bank 111 Franklin Rd Suite 100 Roanoke, VA 24011 Full Service B&M $76,309
    Atlantic Union Bank 111 West Washington Street Middleburg, VA 20117 Full Service B&M $229,348
    Atlantic Union Bank 11101 Hull Street Midlothian, VA 23112 Full Service B&M $72,126
    Atlantic Union Bank 11101 Midlothian Turnpike Richmond, VA 23235 Full Service B&M $116,639
    Atlantic Union Bank 11163 Nuckols Road Glen Allen, VA 23059 Full Service B&M $67,484
    Atlantic Union Bank 11263 W. Broad St. Glen Allen, VA 23060 Full Service B&M $168,582
    Atlantic Union Bank 1145 North Road Street Elizabeth City, NC 27909 Full Service B&M $70,844
    Atlantic Union Bank 115 Lee Jackson Highway Staunton, VA 24401 Full Service B&M $51,208
    Atlantic Union Bank 1174 N Main Street Madison, VA 22727 Full Service B&M $119,011
    Atlantic Union Bank 1197 North Lee Highway Lexington, VA 24450 Full Service B&M $51,088
    Atlantic Union Bank 12090 W Broad St Richmond, VA 23233 Full Service B&M $67,531
    Atlantic Union Bank 124 Main Street Lovingston, VA 22949 Full Service B&M $81,677
    Atlantic Union Bank 125 West Main Street Bedford, VA 24523 Full Service B&M $87,221
    Atlantic Union Bank 1251 West Main Street Salem, VA 24153 Full Service B&M $132,141
    Atlantic Union Bank 12601 Jeff Davis Highway Chester, VA 23831 Full Service Retail $37,776
    Atlantic Union Bank 134 W Main St Orange, VA 22960 Full Service B&M $51,035
    Atlantic Union Bank 13700 Midlothian Turnpike Midlothian, VA 23113 Full Service B&M $98,684
    Atlantic Union Bank 1404 West Ehringhaus Street Elizabeth City, NC 27909 Full Service B&M $47,984
    Atlantic Union Bank 14739 Moneta Road Moneta, VA 24121 Full Service B&M $72,584
    Atlantic Union Bank 14915 Forest Road Forest, VA 24551 Full Service B&M $80,666
    Atlantic Union Bank 1500 Mount Pleasant Road Chesapeake, VA 23322 Full Service B&M $31,933
    Atlantic Union Bank 1503 South Salisbury Blvd. Salisbury, MD 21801 Full Service B&M $83,985
    Atlantic Union Bank 15043 Northumberland Highway Burgess, VA 22432 Full Service B&M $52,104
    Atlantic Union Bank 1580 Laskin Road Virginia Beach, VA 23451 Full Service B&M $106,414
    Atlantic Union Bank 1601 Willow Lawn Dr., Suite 701 Richmond, VA 23230 Full Service B&M $161,668
    Atlantic Union Bank 1649 Tappahannock Blvd Tappahannock, VA 22560 Full Service B&M $53,858
    Atlantic Union Bank 1658 State Farm Boulevard Charlottesville, VA 22911 Full Service B&M $196,872
    Atlantic Union Bank 1660 Tappahannock Blvd Tappahannock, VA 22560 Full Service Retail $8,652
    Atlantic Union Bank 1675 Roanoke Street Se Christiansburg, VA 24073 Full Service B&M $52,037
    Atlantic Union Bank 17191 King's Hwy Montross, VA 22520 Full Service B&M $52,819
    Atlantic Union Bank 1738 Amherst Street Winchester, VA 22601 Full Service B&M $98,452
    Atlantic Union Bank 1773 North Parham Road Richmond, VA 23229 Full Service B&M $68,186
    Atlantic Union Bank 1800 Robert Fulton Drive, Suite 310 Reston, VA 20191 Full Service B&M $585,980
    Atlantic Union Bank 2 Town Center Drive Dublin, VA 24084 Full Service B&M $118,919
    Atlantic Union Bank 201 Volvo Parkway Chesapeake, VA 23320 Full Service B&M $85,429
    Atlantic Union Bank 2050 Ballenger Avenue Alexandria, VA 22314 Full Service B&M $145,524
    Atlantic Union Bank 209 Stonebridge Plaza Avenue North Chesterfield, VA 23225 Full Service B&M $67,040
    Atlantic Union Bank 2098 Princess Anne Road Virginia Beach, VA 23456 Full Service B&M $56,351
    Atlantic Union Bank 2102 Langhorne Road Lynchburg, VA 24501 Full Service B&M $18,647
    Atlantic Union Bank 211 North Main Street Bowling Green, VA 22427 Full Service B&M $430,782
    Atlantic Union Bank 2151 Barracks Road Charlottesville, VA 22903 Full Service B&M $68,166
    Atlantic Union Bank 216 Broadview Avenue Warrenton, VA 20186 Full Service B&M $54,231
    Atlantic Union Bank 2235 Gateway Access Point Raleigh, NC 27607 Full Service B&M $41,919
    Atlantic Union Bank 22468 Lankford Highway Cape Charles, VA 23310 Full Service B&M $36,750
    Atlantic Union Bank 2300 Wilson Boulevard Arlington, VA 22201 Full Service B&M $130,022
    Atlantic Union Bank 2307 West Beverley Street Staunton, VA 24401 Full Service B&M $40,244
    Atlantic Union Bank 231 Southgate Shopping Center Culpeper, VA 22701 Full Service B&M $69,364
    Atlantic Union Bank 2325 Dulles Corner Boulevard Suite 100 Herndon, VA 20171 Full Service B&M $612,933
    Atlantic Union Bank 239 Battlefield Boulevard South Chesapeake, VA 23322 Full Service B&M $58,622
    Atlantic Union Bank 24 South Augusta Street Staunton, VA 24401 Full Service B&M $101,579
    Atlantic Union Bank 251 North Poplar Avenue Waynesboro, VA 22980 Full Service B&M $41,518
    Atlantic Union Bank 25253 Lankford Highway Onley, VA 23418 Full Service B&M $76,988
    Atlantic Union Bank 2600 Stuarts Draft Hwy Stuarts Draft, VA 24477 Full Service B&M $42,173
    Atlantic Union Bank 2811 Fall Hill Avenue Fredericksburg, VA 22401 Full Service B&M $135,963
    Atlantic Union Bank 2825 Godwin Blvd Suffolk, VA 23434 Full Service B&M $47,297
    Atlantic Union Bank 284 North Main Street Kilmarnock, VA 22482 Full Service B&M $59,203
    Atlantic Union Bank 3001 Shore Drive Virginia Beach, VA 23451 Full Service B&M $39,970
    Atlantic Union Bank 302 Ashcake Road Ashland, VA 23005 Full Service B&M $205,700
    Atlantic Union Bank 3099 Boulevard Colonial Heights, VA 23834 Full Service B&M $62,023
    Atlantic Union Bank 322 S. Broad Street Edenton, NC 27932 Full Service B&M $47,700
    Atlantic Union Bank 3290 Worth Crossing Charlottesville, VA 22911 Full Service B&M $43,912
    Atlantic Union Bank 3535 Bridge Road Suffolk, VA 23435 Full Service B&M $27,117
    Atlantic Union Bank 3556 West Cary Street Richmond, VA 23221 Full Service B&M $123,717
    Atlantic Union Bank 3605 Electric Road Roanoke, VA 24018 Full Service B&M $85,396
    Atlantic Union Bank 36081 Goodwin Drive Locust Grove, VA 22508 Full Service B&M $90,359
    Atlantic Union Bank 369 Franklin St. Rocky Mount, VA 24151 Full Service B&M $44,610
    Atlantic Union Bank 3708 Richmond Tapahannock Highway King William, VA 23086 Full Service B&M $40,769
    Atlantic Union Bank 374 Lee Hwy Verona, VA 24482 Full Service B&M $91,761
    Atlantic Union Bank 3804 Brandon Avenue, Sw Roanoke, VA 24018 Full Service B&M $20,363
    Atlantic Union Bank 390 University Boulevard Harrisonburg, VA 22801 Full Service B&M $44,671
    Atlantic Union Bank 400 East Main Street Charlottesville, VA 22902 Full Service B&M $120,859
    Atlantic Union Bank 4055 Riner Road Riner, VA 24149 Full Service B&M $45,286
    Atlantic Union Bank 4071 Lankford Highway Exmore, VA 23350 Full Service B&M $64,758
    Atlantic Union Bank 410 Gander Drive Charlottesville, VA 22901 Full Service B&M $131,054
    Atlantic Union Bank 4108 Portsmouth Boulevard Chesapeake, VA 23321 Full Service B&M $25,679
    Atlantic Union Bank 4109 Plank Rd Fredericksburg, VA 22407 Full Service B&M $127,665
    Atlantic Union Bank 4221 Walney Road, Suite 120 Chantilly, VA 20151 Full Service B&M $379,190
    Atlantic Union Bank 431 East Main Street Purcellville, VA 20132 Full Service B&M $121,418
    Atlantic Union Bank 43325 Junction Plaza Ashburn, VA 20147 Full Service B&M $91,540
    Atlantic Union Bank 4390 South Laburnum Avenue Richmond, VA 23231 Full Service B&M $45,533
    Atlantic Union Bank 440 South Main Street Harrisonburg, VA 22801 Full Service B&M $54,257
    Atlantic Union Bank 450 W Main St. Covington, VA 24426 Full Service B&M $75,607
    Atlantic Union Bank 473 South Street Front Royal, VA 22630 Full Service B&M $79,073
    Atlantic Union Bank 4805 Lassen Lane Fredericksburg, VA 22408 Full Service B&M $231,214
    Atlantic Union Bank 4960 Monticello Ave Williamsburg, VA 23188 Full Service B&M $42,916
    Atlantic Union Bank 50 North Franklin Street Christiansburg, VA 24073 Full Service B&M $102,650
    Atlantic Union Bank 50 West Main Street Radford, VA 24141 Full Service B&M $72,388
    Atlantic Union Bank 5030 George Washington Memorial Hwy Yorktown, VA 23692 Full Service B&M $73,119
    Atlantic Union Bank 5125 John Tyler Highway Williamsburg, VA 23185 Full Service Retail $65,109
    Atlantic Union Bank 530 Blackwell Road Warrenton, VA 20186 Full Service B&M $107,023
    Atlantic Union Bank 5300 Patterson Ave. Richmond, VA 23226 Full Service B&M $82,016
    Atlantic Union Bank 538 Fort Evans Rd. Ne Leesburg, VA 20176 Full Service B&M $99,184
    Atlantic Union Bank 539 West 21st Street Norfolk, VA 23517 Full Service Retail $72,878
    Atlantic Union Bank 5406 N Croatan Highway Kitty Hawk, NC 27949 Full Service B&M $77,286
    Atlantic Union Bank 5472 Indian River Road Virginia Beach, VA 23464 Full Service B&M $39,480
    Atlantic Union Bank 5510 Morris Road Spotsylvania, VA 22551 Full Service B&M $31,946
    Atlantic Union Bank 5803 Rolling Road Springfield, VA 22152 Full Service B&M $122,822
    Atlantic Union Bank 5831 Plank Road Fredericksburg, VA 22407 Full Service B&M $135,186
    Atlantic Union Bank 5839 Richmond Rd Warsaw, VA 22572 Full Service B&M $131,696
    Atlantic Union Bank 5980 Thomas Jefferson Pkwy Palmyra, VA 22963 Full Service B&M $66,795
    Atlantic Union Bank 601 North Main Street Blacksburg, VA 24060 Full Service B&M $122,482
    Atlantic Union Bank 603 Pilot House Drive, Suite 100 Newport News, VA 23606 Full Service B&M $46,865
    Atlantic Union Bank 6030 Harbour Park Dr Midlothian, VA 23112 Full Service B&M $119,182
    Atlantic Union Bank 605 Wenonah Avenue Pearisburg, VA 24134 Full Service B&M $51,546
    Atlantic Union Bank 622 Cambridge Street Fredericksburg, VA 22405 Full Service B&M $29,029
    Atlantic Union Bank 6350 Maddox Blvd Chincoteague, VA 23336 Full Service B&M $46,986
    Atlantic Union Bank 641 Lynnhaven Parkway Virginia Beach, VA 23452 Full Service B&M $34,761
    Atlantic Union Bank 6479 Mechanicsville Turnpike Mechanicsville, VA 23111 Full Service B&M $88,530
    Atlantic Union Bank 6720 Sutton Road Gloucester, VA 23061 Full Service B&M $61,100
    Atlantic Union Bank 680 E. Main Street Floyd, VA 24091 Full Service B&M $50,024
    Atlantic Union Bank 7 Bank Road Washington, VA 22747 Full Service B&M $93,691
    Atlantic Union Bank 7019 Three Chopt Road, Suite F Richmond, VA 23226 Full Service Retail $81,298
    Atlantic Union Bank 713 Independence Boulevard Virginia Beach, VA 23455 Full Service B&M $207,788
    Atlantic Union Bank 717 James Madison Highway Culpeper, VA 22701 Full Service B&M $72,440
    Atlantic Union Bank 725 Kenmore Ave. Fredericksburg, VA 22401 Full Service B&M $186,773
    Atlantic Union Bank 7337 Williamson Road Nw Roanoke, VA 24019 Full Service B&M $65,130
    Atlantic Union Bank 7349 Ladysmith Road Ruther Glen, VA 22546 Full Service B&M $100,491
    Atlantic Union Bank 8190 Stonewall Shops Square Gainesville, VA 20155 Full Service B&M $39,844
    Atlantic Union Bank 8209 West Broad Street Richmond, VA 23294 Full Service B&M $91,700
    Atlantic Union Bank 8221 Old Courthouse Road Suite 100 Vienna, VA 22182 Full Service B&M $192,931
    Atlantic Union Bank 8300 Bell Creek Road Mechanicsville, VA 23116 Full Service B&M $68,586
    Atlantic Union Bank 8383 West Main Street Marshall, VA 20115 Full Service B&M $32,194
    Atlantic Union Bank 840 Mckinney Blvd. Colonial Beach, VA 22443 Full Service B&M $55,337
    Atlantic Union Bank 852 North George Washington Highway Chesapeake, VA 23323 Full Service B&M $38,673
    Atlantic Union Bank 8525 Rolling Road Manassas, VA 20110 Full Service B&M $59,380
    Atlantic Union Bank 8983 Staples Mill Road Richmond, VA 23228 Full Service B&M $85,154
    Atlantic Union Bank 900 North 4th Street Wytheville, VA 24382 Full Service B&M $83,814
    Atlantic Union Bank 9027 Forest Hill Avenue Richmond, VA 23235 Full Service B&M $99,118
    Atlantic Union Bank 9534 Chamberlayne Road Mechanicsville, VA 23116 Full Service B&M $71,578
    Atlantic Union Bank 9605 Gayton Rd Richmond, VA 23238 Full Service B&M $91,115
    Atlantic Union Bank 9665 Sliding Hill Rd Ashland, VA 23005 Full Service B&M $181,256
    Atlantic Union Bank 999 Waterside Drive Norfolk, VA 23510 Full Service B&M $44,361

    For 2020, Atlantic Union Bank had 148 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $653,529
    Net interest income $568,879
    Total noninterest income $121,640
    Gross Fiduciary activities income $10,576
    Service charges on deposit accounts $25,251
    Trading account gains and fees $16,637
    Additional Noninterest Income $69,176
    Pre-tax net operating income $194,417
    Securities gains (or losses, -) $12,294
    Income before extraordinary items $173,206
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $173,206
    Minority interest net income $0
    Net income $173,206
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $162,879

    Atlantic Union Bank's gross interest income from loans was $653,529,000.
    Atlantic Union Bank's net interest income from loans was $568,879,000.
    Atlantic Union Bank's fee based income from loans was $25,251,000.
    Atlantic Union Bank's net income from loans was $173,206,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $84,650
    Provision for credit losses $82,201
    Total noninterest expense $413,901
    Salaries and employee benefits $206,657
    Premises and equipment expense $44,410
    Additional noninterest expense $162,834
    Applicable income taxes $33,505
    Net charge-offs $11,438
    Cash dividends $97,880

    Atlantic Union Bank's interest expense for loans was $84,650,000.
    Atlantic Union Bank's payroll and benefits expense were $206,657,000.
    Atlantic Union Bank's property, plant and equipment expenses $44,410,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $15,845,994
    Deposits held in domestic offices $15,845,994
    Deposits by Individuals, partnerships, and corporations $14,649,230
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $1,037,212
    Deposits by Commercial banks and other depository institutions in U.S. $159,551
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $357,766
    Demand deposits $343,103
    Nontransaction accounts $15,488,228
    Money market deposit accounts (MMDAs) $4,248,335
    Other savings deposits (excluding MMDAs) $8,631,830
    Total time deposits $2,608,061
    Total time and savings deposits $15,502,891
    Noninterest-bearing deposits $4,487,959
    Interest-bearing deposits $11,358,035
    Retail deposits $15,081,170
    IRAs and Keogh plan accounts $294,615
    Brokered deposits $240,515
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $19,584,709
    Cash & Balances due from depository institutions $491,281
    Interest-bearing balances $318,974
    Total securities $3,083,645
    Federal funds sold & reverse repurchase $2,013
    Net loans and leases $13,957,516
    Loan and leases loss allowance $160,540
    Trading account assets $161,193
    Bank premises and fixed assets $204,072
    Other real estate owned $12,657
    Goodwill and other intangibles $992,745
    All other assets $679,587

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $19,584,709
    Total Liabilities $16,737,053
    Total deposits $15,845,994
    Interest-bearing deposits $11,358,035
    Deposits held in domestic offices $15,845,994
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $250,888
    Trading liabilities $161,193
    Other borrowed funds $310,621
    Subordinated debt $0
    All other liabilities $168,357

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $13,957,516
    Loan and leases loss allowance $160,540
    Total loans and leases (domestic) $14,118,056
    All real estate loans $9,750,727
    Real estate loans in domestic offices $9,750,727
    Construction and development loans $925,798
    Residential 1-4 family construction $191,323
    Other construction, all land development and other land $734,475
    Loans secured by nonfarm nonresidential properties $5,786,471
    Nonfarm nonresidential secured by owner-occupied properties $2,128,908
    Commercial real estate & other non-farm, non-residential $3,657,563
    Multifamily residential real estate $814,745
    1-4 family residential loans $2,188,553
    Farmland loans $35,160
    Loans held in foreign offices $0
    Farm loans $9,262
    Commercial and industrial loans $3,263,460
    To non-U.S. addressees $0
    Loans to individuals $649,053
    Credit card loans $0
    Related Plans $35,111
    Consumer Auto Loans $401,324
    Other loans to individuals $212,618
    All other loans & leases $445,553
    Loans to foreign governments and official institutions $0
    Other loans $199,934
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $73,000
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $11,398
    Non 1-4 family restructured loans & leases $2,999
    Total loans and leases (foreign) $0

    Atlantic Union Bank had $13,957,516,000 of loans outstanding in 2020. $9,750,727,000 of loans were in real estate loans. $925,798,000 of loans were in development loans. $814,745,000 of loans were in multifamily mortgage loans. $2,188,553,000 of loans were in 1-4 family mortgage loans. $9,262,000 of loans were in farm loans. $0 of loans were in credit card loans. $401,324,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 3,258 $1,050,187 $322,341
    Nonfarm, nonresidential loans - <$100k 295 $16,126 $54,664
    Nonfarm, nonresidential loans - $100-250k 900 $124,309 $138,121
    Nonfarm, nonresidential loans - $250k-1MM 2,063 $909,752 $440,985
    Commercial & Industrial, US addressed loans - <$1MM 12,598 $1,107,354 $87,899
    Commercial & Industrial, US addressed loans - <$100k 8,990 $271,094 $30,155
    Commercial & Industrial, US addressed loans - $100-250k 2,106 $266,440 $126,515
    Commercial & Industrial, US addressed loans - $250k-1MM 1,502 $569,820 $379,374
    Farmland loans - <$1MM 66 $9,862 $149,424
    Farmland loans - <$100k 17 $704 $41,412
    Farmland loans - $100-250k 30 $4,052 $135,067
    Farmland loans - $250k-1MM 19 $5,106 $268,737
    Agriculture operations loans - <$1MM 192 $7,227 $37,641
    Agriculture operations loans - <$100k 162 $3,641 $22,475
    Agriculture operations loans - $100-250k 22 $2,256 $102,545
    Agriculture operations loans - $250k-1MM 8 $1,330 $166,250