Atlantic Union Bank Mortgage Rates, Fees & Info
Richmond, VALEI: 549300ZTT08EKQRVTR15
Tax ID: 80-0463989
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
Atlantic Union Bank is a small bank specializing in Home Purchase and Refi 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 123 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% | 11/21/24 |
| 30 Year Conventional Purchase | 6.85% | 11/21/24 |
| 30 Year Conventional Refi | 6.66% | 11/21/24 |
| 30 Year Cash-out Refi | 6.89% | 11/21/24 |
| 30 Year FHA Purchase | 7.63% | 11/21/24 |
| 30 Year FHA Refi | 6.91% | 11/21/24 |
| 30 Year VA Purchase | 6.45% | 11/21/24 |
| 30 Year USDA Purchase | 7.05% | 11/21/24 |
| 15 Year Conventional Purchase | 6.34% | 11/21/24 |
| 15 Year Conventional Refi | 6.24% | 11/21/24 |
| 15 Year Cash-out Refi | 6.24% | 11/21/24 |
| 15 Year FHA Refi | 5.68% | 11/21/24 |
| 15 Year VA Purchase | 6.98% | 11/21/24 |
| 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
5,281Origination Dollar Volume (All Markets)
$1,353,175,000Employee count
1,876Awards
×
![]()
Atlantic Union Bank - 2021
Atlantic Union Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for Atlantic Union Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 1,045 | $363,015,000 | $347,383 | $5,388 | 3.59% |
| RICHMOND, VA (FHA|USDA|VA) | 936 | $222,800,000 | $238,034 | $4,354 | 3.93% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 307 | $119,025,000 | $387,704 | $7,317 | 3.32% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 440 | $113,970,000 | $259,023 | $4,787 | 3.88% |
| Outside of Metro Areas | 598 | $105,400,000 | $176,254 | $4,547 | 3.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 153 | $64,395,000 | $420,882 | $8,006 | 3.45% |
| ROANOKE, VA (FHA|USDA|VA) | 242 | $42,340,000 | $174,959 | $4,855 | 3.77% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 165 | $36,025,000 | $218,333 | $5,317 | 3.82% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 182 | $31,790,000 | $174,670 | $4,004 | 3.82% |
| Bluefield, WV-VA (FHA|USDA|VA) | 214 | $31,340,000 | $146,449 | $5,130 | 3.19% |
| LYNCHBURG, VA (FHA|USDA|VA) | 153 | $24,945,000 | $163,039 | $4,818 | 3.92% |
| STAUNTON, VA (FHA|USDA|VA) | 192 | $24,380,000 | $126,979 | $2,651 | 3.99% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 68 | $17,930,000 | $263,676 | $3,147 | 3.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 35 | $14,625,000 | $417,857 | $6,570 | 3.56% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 61 | $13,185,000 | $216,148 | $4,852 | 3.23% |
| HARRISONBURG, VA (FHA|USDA|VA) | 77 | $13,095,000 | $170,065 | $3,737 | 4.10% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 36 | $11,530,000 | $320,278 | $4,494 | 3.68% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 27 | $5,945,000 | $220,185 | $5,359 | 3.64% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 33 | $5,845,000 | $177,121 | $5,367 | 3.16% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 28 | $5,060,000 | $180,714 | $4,064 | 3.89% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $4,765,000 | $280,294 | $3,580 | 3.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $4,745,000 | $677,857 | $4,123 | 3.14% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 15 | $4,185,000 | $279,000 | $5,398 | 3.20% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 20 | $3,820,000 | $191,000 | $5,355 | 3.14% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $3,745,000 | $535,000 | $5,187 | 3.23% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $3,310,000 | $551,667 | $10,515 | 3.23% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $6,994 | 3.97% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 3 | $2,655,000 | $885,000 | $5,369 | 3.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,635,000 | $376,429 | $4,847 | 2.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,605,000 | $372,143 | $8,373 | 3.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $2,400,000 | $300,000 | $6,469 | 3.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $2,315,000 | $771,667 | $5,236 | 4.04% |
| Elizabeth City, NC (FHA|USDA|VA) | 16 | $2,140,000 | $133,750 | $2,508 | 4.07% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $6,810 | 3.48% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $1,980,000 | $495,000 | $5,816 | 3.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $5,002 | 3.10% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $6,548 | 3.44% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $4,172 | 3.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $5,038 | 3.08% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $4,890 | 3.40% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $7,376 | 3.53% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $11,798 | 3.21% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $3,358 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $17,040 | 3.06% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $6,313 | 3.20% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $0 | 4.00% |
| Hilo, HI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $11,364 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,964 | 2.58% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $8,691 | 3.54% |
| Easton, MD (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,575 | 3.06% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $7,189 | 3.81% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,724 | 3.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,726 | 2.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,844 | 3.29% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,452 | 3.31% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,728 | 3.56% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,319 | 3.29% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,518 | 3.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $11,817 | 4.06% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,241 | 3.69% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,256 | 3.06% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,869 | 2.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,596 | 2.25% |
| BECKLEY, WV (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,305 | 3.28% |
| Heber, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,081 | 3.25% |
| Danville, VA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,233 | 3.59% |
| OCALA, FL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,425 | 2.92% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,244 | 3.13% |
| Newberry, SC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,648 | 3.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,168 | 3.38% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,200 | 3.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,178 | 3.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,529 | 3.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,135 | 2.88% |
| Somerset, KY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $16,277 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,247 | 3.19% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,510 | 3.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,106 | 3.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,030 | 2.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,796 | 3.31% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,956 | 3.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,202 | 3.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,465 | 3.13% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,326 | 2.94% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,179 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,276 | 3.13% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,669 | 3.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,573 | 3.38% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $5,063 | 4.12% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,137 | 3.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,755 | 3.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,036 | 2.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,408 | 2.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,848 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,041 | 3.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,829 | 3.00% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,164 | 2.88% |
| Connersville, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,802 | 3.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,001 | 3.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,006 | 3.13% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,707 | 3.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,053 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,693 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,062 | 3.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,794 | 3.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,004 | 2.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,839 | 2.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,115 | 3.25% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.38% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,894 | 3.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,142 | 3.25% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,830 | 2.88% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,422 | 3.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,078 | 2.88% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,344 | 3.00% |
| Kinston, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,548 | 3.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,568 | 3.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 2.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.75% |
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: 108
Similarity Rank: 108
CENTRAL VIRGINIA
Similarity Rank: 111
Similarity Rank: 111
New Peoples Bank, Inc.
Similarity Rank: 187
Similarity Rank: 187
PARK VIEW FEDERAL CREDIT UNION
Similarity Rank: 245
Similarity Rank: 245
The Riddell National Bank
Similarity Rank: 252
Similarity Rank: 252
Mutual Savings Bank
Similarity Rank: 264
Similarity Rank: 264
Member Options, LLC
Similarity Rank: 279
Similarity Rank: 279
KELLEY MORTGAGE, LLC
Similarity Rank: 336
Similarity Rank: 336
HENRICO Federal Credit Union
Similarity Rank: 420
Similarity Rank: 420
PATRIOT
Similarity Rank: 540
Similarity Rank: 540
Product Mix
For 2021, Atlantic Union Bank's most frequently originated type of loan was Conventional, with 2,652 originations. Their 2nd most popular type was HELOC, with 2,152 originations.
Loan Reason
For 2021, Atlantic Union Bank's most frequently cited loan purpose was Home Purchase, with 1,659 originations. The 2nd most popular reason was Other, with 1,483 originations.
Loan Duration/Length
For 2021, Atlantic Union Bank's most frequently cited loan duration was 30 Year, with 4,466 originations. The 2nd most popular length was 15 Year, with 262 originations.
Origination Fees/Closing Costs
Atlantic Union Bank's average total fees were $5,637, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,264 originations.
Interest Rates
During 2021, Atlantic Union Bank's average interest rate for loans was 3.72%, while their most frequently originated rate bucket for loans was 3-4%, with 3,202 originations.
Loan Sizing
2021 saw Atlantic Union Bank place emphasis on $100k-200k loans with 1,602 originations, totaling $233,990,000 in origination value.
Applicant Income
Atlantic Union Bank lent most frequently to those with incomes in the $50k-75k range, with 992 originations. The second most popular income band? $100k-150k, with 912 originations.
Applicant Debt to Income Ratio
Atlantic Union Bank lent most frequently to those with DTI ratios of 20-30%, with 1,113 originations. The next most common DTI ratio? 30-36%, with 868 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.26%
Atlantic Union Bank has a below average approval rate.
Pick Rate
Approvals leading to origination83.45%
Atlantic Union Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,281 | $1,353,175,000 | $256,235 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,281 | $1,353,175,000 | $256,235 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Atlantic Union Bankshares, Inc. | Home equity loan or line of credit (HELOC) | Improper use of your report | 1 | 33.3% |
| Atlantic Union Bankshares, Inc. | Conventional home mortgage | Trouble during payment process | 2 | 66.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Atlantic Union Bank | 100 Dominion Drive Emporia, VA 23847 | Full Service B&M | $65,112 |
| Atlantic Union Bank | 100 Lucy Lane Waynesboro, VA 22980 | Full Service B&M | $122,308 |
| Atlantic Union Bank | 100 Moyock Commons Drive Moyock, NC 27958 | Full Service B&M | $24,158 |
| Atlantic Union Bank | 1000 North Main Street Suffolk, VA 23434 | Full Service B&M | $155,158 |
| Atlantic Union Bank | 10045 Kings Highway King George, VA 22485 | Full Service B&M | $153,592 |
| Atlantic Union Bank | 1006 Hardy Road Vinton, VA 24179 | Full Service B&M | $40,913 |
| Atlantic Union Bank | 10131 Jefferson Davis Highway Fredericksburg, VA 22407 | Full Service B&M | $56,553 |
| Atlantic Union Bank | 102 Catoctin Circle Southeast Leesburg, VA 20175 | Full Service B&M | $337,024 |
| Atlantic Union Bank | 103 Pocomoke Marketplace Pocomoke City, MD 21851 | Full Service B&M | $36,273 |
| Atlantic Union Bank | 10415 Courthouse Road Spotsylvania, VA 22553 | Full Service B&M | $76,719 |
| Atlantic Union Bank | 1044 Warrenton Road Fredericksburg, VA 22406 | Full Service B&M | $75,203 |
| Atlantic Union Bank | 105 Arbor Drive Christiansburg, VA 24073 | Full Service B&M | $245,463 |
| Atlantic Union Bank | 1051 East Cary Street, Suite 1200 Richmond, VA 23219 | Full Service B&M | $1,463,507 |
| Atlantic Union Bank | 106 Sixth Street Grottoes, VA 24441 | Full Service B&M | $48,770 |
| Atlantic Union Bank | 10620 Iron Bridge Road Chester, VA 23831 | Full Service B&M | $55,455 |
| Atlantic Union Bank | 111 Franklin Rd Suite 100 Roanoke, VA 24011 | Full Service B&M | $97,805 |
| Atlantic Union Bank | 111 West Washington Street Middleburg, VA 20117 | Full Service B&M | $252,196 |
| Atlantic Union Bank | 11101 Hull Street Midlothian, VA 23112 | Full Service B&M | $78,569 |
| Atlantic Union Bank | 11101 Midlothian Turnpike Richmond, VA 23235 | Full Service B&M | $122,257 |
| Atlantic Union Bank | 11163 Nuckols Road Glen Allen, VA 23059 | Full Service B&M | $81,723 |
| Atlantic Union Bank | 11263 W. Broad St. Glen Allen, VA 23060 | Full Service B&M | $157,318 |
| Atlantic Union Bank | 1145 North Road Street Elizabeth City, NC 27909 | Full Service B&M | $120,292 |
| Atlantic Union Bank | 1174 N Main Street Madison, VA 22727 | Full Service B&M | $133,672 |
| Atlantic Union Bank | 1197 North Lee Highway Lexington, VA 24450 | Full Service B&M | $56,242 |
| Atlantic Union Bank | 12090 W Broad St Richmond, VA 23233 | Full Service B&M | $58,848 |
| Atlantic Union Bank | 124 Main Street Lovingston, VA 22949 | Full Service B&M | $94,989 |
| Atlantic Union Bank | 125 West Main Street Bedford, VA 24523 | Full Service B&M | $96,824 |
| Atlantic Union Bank | 1251 West Main Street Salem, VA 24153 | Full Service B&M | $138,725 |
| Atlantic Union Bank | 12601 Jeff Davis Highway Chester, VA 23831 | Full Service Retail | $49,037 |
| Atlantic Union Bank | 134 W Main St Orange, VA 22960 | Full Service B&M | $63,394 |
| Atlantic Union Bank | 13700 Midlothian Turnpike Midlothian, VA 23113 | Full Service B&M | $96,058 |
| Atlantic Union Bank | 14739 Moneta Road Moneta, VA 24121 | Full Service B&M | $85,643 |
| Atlantic Union Bank | 14915 Forest Road Forest, VA 24551 | Full Service B&M | $84,909 |
| Atlantic Union Bank | 1503 South Salisbury Blvd. Salisbury, MD 21801 | Full Service B&M | $82,100 |
| Atlantic Union Bank | 15043 Northumberland Highway Burgess, VA 22432 | Full Service B&M | $53,933 |
| Atlantic Union Bank | 1580 Laskin Road Virginia Beach, VA 23451 | Full Service B&M | $146,105 |
| Atlantic Union Bank | 1601 Willow Lawn Dr., Suite 701 Richmond, VA 23230 | Full Service B&M | $179,058 |
| Atlantic Union Bank | 1649 Tappahannock Blvd Tappahannock, VA 22560 | Full Service B&M | $70,239 |
| Atlantic Union Bank | 1658 State Farm Boulevard Charlottesville, VA 22911 | Full Service B&M | $166,610 |
| Atlantic Union Bank | 17191 King's Hwy Montross, VA 22520 | Full Service B&M | $59,096 |
| Atlantic Union Bank | 1738 Amherst Street Winchester, VA 22601 | Full Service B&M | $96,510 |
| Atlantic Union Bank | 1800 Robert Fulton Drive, Suite 310 Reston, VA 20191 | Full Service B&M | $1,434,693 |
| Atlantic Union Bank | 2 Town Center Drive Dublin, VA 24084 | Full Service B&M | $141,966 |
| Atlantic Union Bank | 201 Volvo Parkway Chesapeake, VA 23320 | Full Service B&M | $87,955 |
| Atlantic Union Bank | 2050 Ballenger Avenue Alexandria, VA 22314 | Full Service B&M | $159,253 |
| Atlantic Union Bank | 209 Stonebridge Plaza Avenue North Chesterfield, VA 23225 | Full Service B&M | $57,698 |
| Atlantic Union Bank | 2098 Princess Anne Road Virginia Beach, VA 23456 | Full Service B&M | $61,956 |
| Atlantic Union Bank | 2102 Langhorne Road Lynchburg, VA 24501 | Full Service B&M | $18,646 |
| Atlantic Union Bank | 211 North Main Street Bowling Green, VA 22427 | Full Service B&M | $210,109 |
| Atlantic Union Bank | 2151 Barracks Road Charlottesville, VA 22903 | Full Service B&M | $70,327 |
| Atlantic Union Bank | 216 Broadview Avenue Warrenton, VA 20186 | Full Service B&M | $266,549 |
| Atlantic Union Bank | 2235 Gateway Access Point Raleigh, NC 27607 | Full Service B&M | $43,446 |
| Atlantic Union Bank | 22468 Lankford Highway Cape Charles, VA 23310 | Full Service B&M | $46,646 |
| Atlantic Union Bank | 2300 Wilson Boulevard Arlington, VA 22201 | Full Service B&M | $135,282 |
| Atlantic Union Bank | 2307 West Beverley Street Staunton, VA 24401 | Full Service B&M | $42,874 |
| Atlantic Union Bank | 231 Southgate Shopping Center Culpeper, VA 22701 | Full Service B&M | $258,978 |
| Atlantic Union Bank | 239 Battlefield Boulevard South Chesapeake, VA 23322 | Full Service B&M | $85,462 |
| Atlantic Union Bank | 24 South Augusta Street Staunton, VA 24401 | Full Service B&M | $154,943 |
| Atlantic Union Bank | 25253 Lankford Highway Onley, VA 23418 | Full Service B&M | $79,838 |
| Atlantic Union Bank | 2600 Stuarts Draft Hwy Stuarts Draft, VA 24477 | Full Service B&M | $47,009 |
| Atlantic Union Bank | 2811 Fall Hill Avenue Fredericksburg, VA 22401 | Full Service B&M | $177,371 |
| Atlantic Union Bank | 284 North Main Street Kilmarnock, VA 22482 | Full Service B&M | $62,413 |
| Atlantic Union Bank | 302 Ashcake Road Ashland, VA 23005 | Full Service B&M | $216,635 |
| Atlantic Union Bank | 3099 Boulevard Colonial Heights, VA 23834 | Full Service B&M | $119,894 |
| Atlantic Union Bank | 322 S. Broad Street Edenton, NC 27932 | Full Service B&M | $44,961 |
| Atlantic Union Bank | 3535 Bridge Road Suffolk, VA 23435 | Full Service B&M | $26,313 |
| Atlantic Union Bank | 3556 West Cary Street Richmond, VA 23221 | Full Service B&M | $136,608 |
| Atlantic Union Bank | 3605 Electric Road Roanoke, VA 24018 | Full Service B&M | $86,726 |
| Atlantic Union Bank | 36081 Goodwin Drive Locust Grove, VA 22508 | Full Service B&M | $104,258 |
| Atlantic Union Bank | 369 Franklin St. Rocky Mount, VA 24151 | Full Service B&M | $46,693 |
| Atlantic Union Bank | 3708 Richmond Tapahannock Highway King William, VA 23086 | Full Service B&M | $43,300 |
| Atlantic Union Bank | 374 Lee Hwy Verona, VA 24482 | Full Service B&M | $88,955 |
| Atlantic Union Bank | 3804 Brandon Avenue, Sw Roanoke, VA 24018 | Full Service B&M | $20,452 |
| Atlantic Union Bank | 390 University Boulevard Harrisonburg, VA 22801 | Full Service B&M | $48,576 |
| Atlantic Union Bank | 400 East Main Street Charlottesville, VA 22902 | Full Service B&M | $129,218 |
| Atlantic Union Bank | 4055 Riner Road Riner, VA 24149 | Full Service B&M | $48,613 |
| Atlantic Union Bank | 4071 Lankford Highway Exmore, VA 23350 | Full Service B&M | $80,457 |
| Atlantic Union Bank | 410 Gander Drive Charlottesville, VA 22901 | Full Service B&M | $212,034 |
| Atlantic Union Bank | 50 West Main Street Radford, VA 24141 | Full Service B&M | $84,778 |
| Atlantic Union Bank | 4109 Plank Rd Fredericksburg, VA 22407 | Full Service B&M | $289,199 |
| Atlantic Union Bank | 4221 Walney Road, Suite 120 Chantilly, VA 20151 | Full Service B&M | $440,900 |
| Atlantic Union Bank | 431 East Main Street Purcellville, VA 20132 | Full Service B&M | $131,980 |
| Atlantic Union Bank | 43325 Junction Plaza Ashburn, VA 20147 | Full Service B&M | $100,617 |
| Atlantic Union Bank | 4390 South Laburnum Avenue Richmond, VA 23231 | Full Service B&M | $51,056 |
| Atlantic Union Bank | 440 South Main Street Harrisonburg, VA 22801 | Full Service B&M | $55,959 |
| Atlantic Union Bank | 450 W Main St. Covington, VA 24426 | Full Service B&M | $79,779 |
| Atlantic Union Bank | 473 South Street Front Royal, VA 22630 | Full Service B&M | $91,376 |
| Atlantic Union Bank | 4805 Lassen Lane Fredericksburg, VA 22408 | Full Service B&M | $289,712 |
| Atlantic Union Bank | 4960 Monticello Ave Williamsburg, VA 23188 | Full Service B&M | $37,445 |
| Atlantic Union Bank | 50 North Franklin Street Christiansburg, VA 24073 | Full Service B&M | $159,645 |
| Atlantic Union Bank | 5030 George Washington Memorial Hwy Yorktown, VA 23692 | Full Service B&M | $69,284 |
| Atlantic Union Bank | 5125 John Tyler Highway Williamsburg, VA 23185 | Full Service Retail | $81,637 |
| Atlantic Union Bank | 538 Fort Evans Rd. Ne Leesburg, VA 20176 | Full Service B&M | $102,449 |
| Atlantic Union Bank | 539 West 21st Street Norfolk, VA 23517 | Full Service Retail | $95,384 |
| Atlantic Union Bank | 5406 N Croatan Highway Kitty Hawk, NC 27949 | Full Service B&M | $80,640 |
| Atlantic Union Bank | 5472 Indian River Road Virginia Beach, VA 23464 | Full Service B&M | $41,586 |
| Atlantic Union Bank | 5510 Morris Road Spotsylvania, VA 22551 | Full Service B&M | $36,878 |
| Atlantic Union Bank | 5803 Rolling Road Springfield, VA 22152 | Full Service B&M | $140,751 |
| Atlantic Union Bank | 5839 Richmond Rd Warsaw, VA 22572 | Full Service B&M | $142,116 |
| Atlantic Union Bank | 5980 Thomas Jefferson Pkwy Palmyra, VA 22963 | Full Service B&M | $75,440 |
| Atlantic Union Bank | 601 North Main Street Blacksburg, VA 24060 | Full Service B&M | $131,482 |
| Atlantic Union Bank | 7337 Williamson Road Nw Roanoke, VA 24019 | Full Service B&M | $67,952 |
| Atlantic Union Bank | 603 Pilot House Drive, Suite 100 Newport News, VA 23606 | Full Service B&M | $54,306 |
| Atlantic Union Bank | 6030 Harbour Park Dr Midlothian, VA 23112 | Full Service B&M | $126,883 |
| Atlantic Union Bank | 605 Wenonah Avenue Pearisburg, VA 24134 | Full Service B&M | $49,700 |
| Atlantic Union Bank | 6350 Maddox Blvd Chincoteague, VA 23336 | Full Service B&M | $53,429 |
| Atlantic Union Bank | 6479 Mechanicsville Turnpike Mechanicsville, VA 23111 | Full Service B&M | $95,103 |
| Atlantic Union Bank | 6720 Sutton Road Gloucester, VA 23061 | Full Service B&M | $83,622 |
| Atlantic Union Bank | 680 E. Main Street Floyd, VA 24091 | Full Service B&M | $53,317 |
| Atlantic Union Bank | 7 Bank Road Washington, VA 22747 | Full Service B&M | $111,098 |
| Atlantic Union Bank | 7000 Three Chopt Road Richmond, VA 23226 | Full Service Retail | $182,985 |
| Atlantic Union Bank | 713 Independence Boulevard Virginia Beach, VA 23455 | Full Service B&M | $442,094 |
| Atlantic Union Bank | 717 James Madison Highway Culpeper, VA 22701 | Full Service B&M | $90,475 |
| Atlantic Union Bank | 725 Kenmore Ave. Fredericksburg, VA 22401 | Full Service B&M | $214,541 |
| Atlantic Union Bank | 7349 Ladysmith Road Ruther Glen, VA 22546 | Full Service B&M | $117,934 |
| Atlantic Union Bank | 8190 Stonewall Shops Square Gainesville, VA 20155 | Full Service B&M | $44,113 |
| Atlantic Union Bank | 8209 West Broad Street Richmond, VA 23294 | Full Service B&M | $162,260 |
| Atlantic Union Bank | 8221 Old Courthouse Road Suite 100 Vienna, VA 22182 | Full Service B&M | $180,638 |
| Atlantic Union Bank | 840 Mckinney Blvd. Colonial Beach, VA 22443 | Full Service B&M | $66,023 |
| Atlantic Union Bank | 852 North George Washington Highway Chesapeake, VA 23323 | Full Service B&M | $64,847 |
| Atlantic Union Bank | 8525 Rolling Road Manassas, VA 20110 | Full Service B&M | $54,709 |
| Atlantic Union Bank | 8983 Staples Mill Road Richmond, VA 23228 | Full Service B&M | $92,421 |
| Atlantic Union Bank | 900 North 4th Street Wytheville, VA 24382 | Full Service B&M | $87,997 |
| Atlantic Union Bank | 9027 Forest Hill Avenue Richmond, VA 23235 | Full Service B&M | $114,140 |
| Atlantic Union Bank | 9534 Chamberlayne Road Mechanicsville, VA 23116 | Full Service B&M | $163,566 |
| Atlantic Union Bank | 9605 Gayton Rd Richmond, VA 23238 | Full Service B&M | $94,927 |
| Atlantic Union Bank | 9665 Sliding Hill Rd Ashland, VA 23005 | Full Service B&M | $183,563 |
| Atlantic Union Bank | 999 Waterside Drive Norfolk, VA 23510 | Full Service B&M | $72,153 |
For 2021, Atlantic Union Bank had 128 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $592,259 |
| Net interest income | $564,370 |
| Total noninterest income | $137,474 |
| Gross Fiduciary activities income | $12,287 |
| Service charges on deposit accounts | $29,445 |
| Trading account gains and fees | $6,053 |
| Additional Noninterest Income | $89,689 |
| Pre-tax net operating income | $349,891 |
| Securities gains (or losses, -) | $87 |
| Income before extraordinary items | $281,605 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $281,605 |
| Minority interest net income | $0 |
| Net income | $281,605 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $281,535 |
Atlantic Union Bank's gross interest income from loans was $592,259,000.
Atlantic Union Bank's net interest income from loans was $564,370,000.
Atlantic Union Bank's fee based income from loans was $29,445,000.
Atlantic Union Bank's net income from loans was $281,605,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $27,889 |
| Provision for credit losses | $-60,888 |
| Total noninterest expense | $412,841 |
| Salaries and employee benefits | $215,358 |
| Premises and equipment expense | $45,380 |
| Additional noninterest expense | $152,103 |
| Applicable income taxes | $68,373 |
| Net charge-offs | $1,865 |
| Cash dividends | $119,500 |
Atlantic Union Bank's interest expense for loans was $27,889,000.
Atlantic Union Bank's payroll and benefits expense were $215,358,000.
Atlantic Union Bank's property, plant and equipment expenses $45,380,000.
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 | $16,718,291 |
| Deposits held in domestic offices | $16,718,291 |
| Deposits by Individuals, partnerships, and corporations | $15,480,877 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $1,171,651 |
| Deposits by Commercial banks and other depository institutions in U.S. | $65,763 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $379,526 |
| Demand deposits | $354,223 |
| Nontransaction accounts | $16,338,766 |
| Money market deposit accounts (MMDAs) | $4,249,858 |
| Other savings deposits (excluding MMDAs) | $10,203,005 |
| Total time deposits | $1,885,901 |
| Total time and savings deposits | $16,364,069 |
| Noninterest-bearing deposits | $5,313,816 |
| Interest-bearing deposits | $11,404,475 |
| Retail deposits | $16,280,762 |
| IRAs and Keogh plan accounts | $269,438 |
| Brokered deposits | $3 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $20,000,309 |
| Cash & Balances due from depository institutions | $799,677 |
| Interest-bearing balances | $618,714 |
| Total securities | $4,108,010 |
| Federal funds sold & reverse repurchase | $2,824 |
| Net loans and leases | $13,116,917 |
| Loan and leases loss allowance | $99,787 |
| Trading account assets | $71,618 |
| Bank premises and fixed assets | $181,966 |
| Other real estate owned | $8,254 |
| Goodwill and other intangibles | $978,872 |
| All other assets | $732,171 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $20,000,309 |
| Total Liabilities | $17,042,931 |
| Total deposits | $16,718,291 |
| Interest-bearing deposits | $11,404,475 |
| Deposits held in domestic offices | $16,718,291 |
| % insured (estimated) | $65 |
| Federal funds purchased and repurchase agreements | $117,870 |
| Trading liabilities | $48,383 |
| Other borrowed funds | $9,477 |
| Subordinated debt | $0 |
| All other liabilities | $148,910 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $13,116,917 |
| Loan and leases loss allowance | $99,787 |
| Total loans and leases (domestic) | $13,216,704 |
| All real estate loans | $9,462,574 |
| Real estate loans in domestic offices | $9,462,574 |
| Construction and development loans | $862,236 |
| Residential 1-4 family construction | $186,988 |
| Other construction, all land development and other land | $675,248 |
| Loans secured by nonfarm nonresidential properties | $5,784,786 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,995,409 |
| Commercial real estate & other non-farm, non-residential | $3,789,377 |
| Multifamily residential real estate | $778,626 |
| 1-4 family residential loans | $2,005,518 |
| Farmland loans | $31,408 |
| Loans held in foreign offices | $0 |
| Farm loans | $10,311 |
| Commercial and industrial loans | $2,542,243 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $638,044 |
| Credit card loans | $0 |
| Related Plans | $35,391 |
| Consumer Auto Loans | $461,052 |
| Other loans to individuals | $141,601 |
| All other loans & leases | $563,531 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $275,683 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $113,144 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $8,823 |
| Non 1-4 family restructured loans & leases | $1,027 |
| Total loans and leases (foreign) | $0 |
Atlantic Union Bank had $13,116,917,000 of loans outstanding in 2021. $9,462,574,000 of loans were in real estate loans. $862,236,000 of loans were in development loans. $778,626,000 of loans were in multifamily mortgage loans. $2,005,518,000 of loans were in 1-4 family mortgage loans. $10,311,000 of loans were in farm loans. $0 of loans were in credit card loans. $461,052,000 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 | 2,939 | $954,441 | $324,750 |
| Nonfarm, nonresidential loans - <$100k | 262 | $15,113 | $57,683 |
| Nonfarm, nonresidential loans - $100-250k | 790 | $108,474 | $137,309 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,887 | $830,854 | $440,304 |
| Commercial & Industrial, US addressed loans - <$1MM | 4,935 | $524,130 | $106,207 |
| Commercial & Industrial, US addressed loans - <$100k | 3,056 | $93,413 | $30,567 |
| Commercial & Industrial, US addressed loans - $100-250k | 966 | $112,652 | $116,617 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 913 | $318,065 | $348,373 |
| Farmland loans - <$1MM | 60 | $8,367 | $139,450 |
| Farmland loans - <$100k | 16 | $564 | $35,250 |
| Farmland loans - $100-250k | 27 | $3,590 | $132,963 |
| Farmland loans - $250k-1MM | 17 | $4,213 | $247,824 |
| Agriculture operations loans - <$1MM | 77 | $2,305 | $29,935 |
| Agriculture operations loans - <$100k | 64 | $1,132 | $17,688 |
| Agriculture operations loans - $100-250k | 9 | $468 | $52,000 |
| Agriculture operations loans - $250k-1MM | 4 | $705 | $176,250 |