Atlantic Union Bank Mortgage Lending & HMDA Data, 2018

In 2018, Atlantic Union Bank of Glen Allen, VA reported 3,975 mortgage applications totaling $551.6 million. The average application was for $138,776, and applicants reported an average income of $111,302. 54% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Richmond, VA (1,104), Washington-Arlington-Alexandria, DC-VA-MD-WV (473) and Virginia Beach-Norfolk-Newport News, VA-NC (376) (applications in parentheses).

Mortgage Company & Address Atlantic Union Bank
1051 East Cary Street, Suite 1200
Glen Allen, VA 23060
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  
Total Number of Mortgage Applications 3,975
Total Mortgage Loan Application Amount $551,635,000
Average Mortgage Loan Application Amount $138,776
Highest Mortgage Loan Application Amount $14,575,000
Average Applicant Income $111,302
Highest Applicant Income $3,106,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atlantic Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Atlantic Union Bank by County in 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Chesterfield, Virginia 258 $ 26,830,000 $ 103,992 $ 98,000
Henrico, Virginia 254 $ 26,650,000 $ 104,921 $ 116,000
Hanover, Virginia 213 $ 24,715,000 $ 116,032 $ 113,000
Augusta, Virginia 200 $ 18,000,000 $ 90,000 $ 68,000
Richmond City, Virginia 187 $ 46,995,000 $ 251,310 $ 134,000
Spotsylvania, Virginia 146 $ 14,070,000 $ 96,369 $ 104,000
Montgomery, Virginia 129 $ 13,145,000 $ 101,899 $ 95,000
Albemarle, Virginia 109 $ 25,035,000 $ 229,678 $ 109,000
Roanoke, Virginia 108 $ 9,870,000 $ 91,388 $ 85,000
Bedford, Virginia 103 $ 8,255,000 $ 80,145 $ 81,000
Caroline, Virginia 98 $ 10,100,000 $ 103,061 $ 69,000
Orange, Virginia 89 $ 8,335,000 $ 93,651 $ 88,000
Virginia Beach, Virginia 78 $ 28,270,000 $ 362,435 $ 176,000
Culpeper, Virginia 65 $ 6,845,000 $ 105,307 $ 72,000
Westmoreland, Virginia 65 $ 7,605,000 $ 117,000 $ 117,000
Staunton, Virginia 57 $ 3,995,000 $ 70,087 $ 66,000
Chesapeake, Virginia 55 $ 6,545,000 $ 119,000 $ 90,000
Rockingham, Virginia 50 $ 8,390,000 $ 167,800 $ 101,000
Pulaski, Virginia 47 $ 2,845,000 $ 60,531 $ 52,000
Richmond, Virginia 47 $ 3,495,000 $ 74,361 $ 88,000
Floyd, Virginia 46 $ 3,190,000 $ 69,347 $ 59,000
Franklin, Virginia 46 $ 4,710,000 $ 102,391 $ 60,000
Stafford, Virginia 44 $ 8,120,000 $ 184,545 $ 157,000
Madison, Virginia 42 $ 4,760,000 $ 113,333 $ 92,000
Nelson, Virginia 41 $ 3,415,000 $ 83,292 $ 70,000
Fairfax, Virginia 40 $ 15,230,000 $ 380,750 $ 170,000
Newport News, Virginia 39 $ 4,965,000 $ 127,307 $ 112,000
Roanoke City, Virginia 39 $ 3,055,000 $ 78,333 $ 77,000
Charlottesville, Virginia 38 $ 5,630,000 $ 148,157 $ 137,000
Rappahannock, Virginia 38 $ 8,200,000 $ 215,789 $ 109,000
Salem, Virginia 38 $ 4,120,000 $ 108,421 $ 97,000
Hampton, Virginia 37 $ 4,035,000 $ 109,054 $ 59,000
Rockbridge, Virginia 36 $ 2,660,000 $ 73,888 $ 73,000
Fluvanna, Virginia 33 $ 3,165,000 $ 95,909 $ 92,000
James City, Virginia 32 $ 4,930,000 $ 154,062 $ 104,000
Lancaster, Virginia 31 $ 2,545,000 $ 82,096 $ 80,000
Louisa, Virginia 30 $ 2,580,000 $ 86,000 $ 90,000
Fredericksburg, Virginia 29 $ 9,865,000 $ 340,172 $ 157,000
Accomack, Virginia 28 $ 2,590,000 $ 92,500 $ 72,000
King George, Virginia 28 $ 5,820,000 $ 207,857 $ 82,000
Norfolk, Virginia 28 $ 8,920,000 $ 318,571 $ 252,000
Warren, Virginia 28 $ 2,950,000 $ 105,357 $ 84,000
Goochland, Virginia 27 $ 8,425,000 $ 312,037 $ 116,000
Lynchburg, Virginia 25 $ 4,365,000 $ 174,600 $ 101,000
Waynesboro, Virginia 25 $ 1,775,000 $ 71,000 $ 72,000
Wythe, Virginia 24 $ 1,810,000 $ 75,416 $ 68,000
Essex, Virginia 23 $ 2,505,000 $ 108,913 $ 60,000
Northumberland, Virginia 23 $ 1,745,000 $ 75,869 $ 72,000
Dare, North Carolina 22 $ 4,540,000 $ 206,363 $ 131,000
Wake, North Carolina 22 $ 7,640,000 $ 347,272 $ 246,000
Northampton, Virginia 22 $ 2,250,000 $ 102,272 $ 48,000
Fauquier, Virginia 21 $ 4,805,000 $ 228,809 $ 196,000
Giles, Virginia 21 $ 875,000 $ 41,666 $ 52,000
Portsmouth, Virginia 21 $ 3,465,000 $ 165,000 $ 109,000
Prince William, Virginia 21 $ 5,465,000 $ 260,238 $ 161,000
Suffolk, Virginia 21 $ 2,855,000 $ 135,952 $ 98,000
York, Virginia 19 $ 2,845,000 $ 149,736 $ 130,000
Frederick, Virginia 17 $ 1,075,000 $ 63,235 $ 93,000
Harrisonburg, Virginia 16 $ 2,340,000 $ 146,250 $ 127,000
King William, Virginia 16 $ 1,670,000 $ 104,375 $ 78,000
Alleghany, Virginia 15 $ 1,055,000 $ 70,333 $ 57,000
Campbell, Virginia 15 $ 785,000 $ 52,333 $ 84,000
Greene, Virginia 14 $ 1,340,000 $ 95,714 $ 117,000
Loudoun, Virginia 13 $ 2,615,000 $ 201,153 $ 344,000
Currituck, North Carolina 12 $ 2,610,000 $ 217,500 $ 84,000
Buena Vista, Virginia 12 $ 510,000 $ 42,500 $ 54,000
Colonial Heights, Virginia 12 $ 880,000 $ 73,333 $ 62,000
Gloucester, Virginia 12 $ 2,090,000 $ 174,166 $ 43,000
Powhatan, Virginia 12 $ 1,450,000 $ 120,833 $ 89,000
Mecklenburg, North Carolina 11 $ 2,105,000 $ 191,363 $ 0
Covington, Virginia 10 $ 380,000 $ 38,000 $ 42,000
King and Queen, Virginia 9 $ 1,375,000 $ 152,777 $ 83,000
Wicomico, Maryland 8 $ 600,000 $ 75,000 $ 142,000
Union, North Carolina 8 $ 1,270,000 $ 158,750 $ 0
Alexandria, Virginia 8 $ 3,110,000 $ 388,750 $ 163,000
Botetourt, Virginia 8 $ 1,240,000 $ 155,000 $ 147,000
Radford, Virginia 8 $ 860,000 $ 107,500 $ 71,000
District of Columbia, District Of Columbia 7 $ 3,575,000 $ 510,714 $ 301,000
Montgomery, Maryland 7 $ 1,285,000 $ 183,571 $ 0
Chowan, North Carolina 7 $ 305,000 $ 43,571 $ 37,000
Amelia, Virginia 7 $ 1,135,000 $ 162,142 $ 68,000
Anne Arundel, Maryland 6 $ 1,080,000 $ 180,000 $ 27,000
Durham, North Carolina 6 $ 1,290,000 $ 215,000 $ 35,000
Amherst, Virginia 6 $ 330,000 $ 55,000 $ 57,000
Middlesex, Virginia 6 $ 2,420,000 $ 403,333 $ 101,000
New Kent, Virginia 6 $ 1,100,000 $ 183,333 $ 167,000
Page, Virginia 6 $ 400,000 $ 66,666 $ 64,000
Williamsburg, Virginia 6 $ 1,860,000 $ 310,000 $ 147,000
Worcester, Maryland 5 $ 865,000 $ 173,000 $ 110,000
Gates, North Carolina 5 $ 395,000 $ 79,000 $ 38,000
Pasquotank, North Carolina 5 $ 415,000 $ 83,000 $ 74,000
Isle of Wight, Virginia 5 $ 1,925,000 $ 385,000 $ 135,000
Shenandoah, Virginia 5 $ 185,000 $ 37,000 $ 72,000
Baltimore, Maryland 4 $ 900,000 $ 225,000 $ 14,000
Prince George's, Maryland 4 $ 270,000 $ 67,500 $ 0
Arlington, Virginia 4 $ 2,500,000 $ 625,000 $ 138,000
Buckingham, Virginia 4 $ 180,000 $ 45,000 $ 52,000
Petersburg, Virginia 4 $ 260,000 $ 65,000 $ 55,000
Prince Edward, Virginia 4 $ 270,000 $ 67,500 $ 99,000
Prince George, Virginia 4 $ 440,000 $ 110,000 $ 170,000
Southampton, Virginia 4 $ 330,000 $ 82,500 $ 77,000
Surry, Virginia 4 $ 410,000 $ 102,500 $ 120,000
Winchester, Virginia 4 $ 880,000 $ 220,000 $ 76,000
Baltimore City, Maryland 3 $ 595,000 $ 198,333 $ 0
Carroll, Maryland 3 $ 265,000 $ 88,333 $ 0
Frederick, Maryland 3 $ 165,000 $ 55,000 $ 0
Queen Anne's, Maryland 3 $ 305,000 $ 101,666 $ 0
Somerset, Maryland 3 $ 195,000 $ 65,000 $ 59,000
Cabarrus, North Carolina 3 $ 525,000 $ 175,000 $ 0
Iredell, North Carolina 3 $ 625,000 $ 208,333 $ 0
Perquimans, North Carolina 3 $ 125,000 $ 41,666 $ 71,000
Washington, North Carolina 3 $ 125,000 $ 41,666 $ 34,000
Carroll, Virginia 3 $ 155,000 $ 51,666 $ 54,000
Greensville, Virginia 3 $ 205,000 $ 68,333 $ 91,000
Highland, Virginia 3 $ 535,000 $ 178,333 $ 94,000
Lexington, Virginia 3 $ 665,000 $ 221,666 $ 95,000
Mathews, Virginia 3 $ 325,000 $ 108,333 $ 306,000
Poquoson, Virginia 3 $ 1,855,000 $ 618,333 $ 52,000
Cecil, Maryland 2 $ 550,000 $ 275,000 $ 0
Harford, Maryland 2 $ 130,000 $ 65,000 $ 0
St. Mary's, Maryland 2 $ 120,000 $ 60,000 $ 0
Alamance, North Carolina 2 $ 960,000 $ 480,000 $ 0
Brunswick, North Carolina 2 $ 130,000 $ 65,000 $ 0
Gaston, North Carolina 2 $ 210,000 $ 105,000 $ 0
Henderson, North Carolina 2 $ 200,000 $ 100,000 $ 0
New Hanover, North Carolina 2 $ 3,390,000 $ 1,695,000 $ 0
Orange, North Carolina 2 $ 1,540,000 $ 770,000 $ 0
Pender, North Carolina 2 $ 620,000 $ 310,000 $ 0
Richland, South Carolina 2 $ 880,000 $ 440,000 $ 0
Appomattox, Virginia 2 $ 40,000 $ 20,000 $ 68,000
Bath, Virginia 2 $ 270,000 $ 135,000 $ 48,000
Charles City, Virginia 2 $ 700,000 $ 350,000 $ 294,000
Dinwiddie, Virginia 2 $ 130,000 $ 65,000 $ 123,000
Hopewell, Virginia 2 $ 130,000 $ 65,000 $ 46,000
Martinsville, Virginia 2 $ 50,000 $ 25,000 $ 42,000
Hillsborough, Florida 1 $ 505,000 $ 505,000 $ 89,000
Palm Beach, Florida 1 $ 4,415,000 $ 4,415,000 $ 2,421,000
Richmond, Georgia 1 $ 305,000 $ 305,000 $ 0
Calvert, Maryland 1 $ 75,000 $ 75,000 $ 0
Charles, Maryland 1 $ 15,000 $ 15,000 $ 26,000
Garrett, Maryland 1 $ 65,000 $ 65,000 $ 82,000
Howard, Maryland 1 $ 65,000 $ 65,000 $ 0
Talbot, Maryland 1 $ 35,000 $ 35,000 $ 0
Washington, Maryland 1 $ 35,000 $ 35,000 $ 0
Caldwell, North Carolina 1 $ 75,000 $ 75,000 $ 0
Catawba, North Carolina 1 $ 55,000 $ 55,000 $ 0
Columbus, North Carolina 1 $ 55,000 $ 55,000 $ 0
Davie, North Carolina 1 $ 45,000 $ 45,000 $ 0
Guilford, North Carolina 1 $ 195,000 $ 195,000 $ 58,000
Hyde, North Carolina 1 $ 115,000 $ 115,000 $ 82,000
Johnston, North Carolina 1 $ 45,000 $ 45,000 $ 191,000
Lincoln, North Carolina 1 $ 75,000 $ 75,000 $ 0
Person, North Carolina 1 $ 615,000 $ 615,000 $ 0
Pitt, North Carolina 1 $ 25,000 $ 25,000 $ 0
Stokes, North Carolina 1 $ 145,000 $ 145,000 $ 0
Warren, North Carolina 1 $ 185,000 $ 185,000 $ 0
Adams, Pennsylvania 1 $ 205,000 $ 205,000 $ 314,000
Beaufort, South Carolina 1 $ 185,000 $ 185,000 $ 0
Fairfield, South Carolina 1 $ 95,000 $ 95,000 $ 0
Horry, South Carolina 1 $ 425,000 $ 425,000 $ 0
Lexington, South Carolina 1 $ 395,000 $ 395,000 $ 0
York, South Carolina 1 $ 315,000 $ 315,000 $ 0
Bland, Virginia 1 $ 55,000 $ 55,000 $ 55,000
Brunswick, Virginia 1 $ 45,000 $ 45,000 $ 13,000
Charlotte, Virginia 1 $ 105,000 $ 105,000 $ 175,000
Clarke, Virginia 1 $ 85,000 $ 85,000 $ 58,000
Craig, Virginia 1 $ 55,000 $ 55,000 $ 25,000
Cumberland, Virginia 1 $ 25,000 $ 25,000 $ 74,000
Danville, Virginia 1 $ 255,000 $ 255,000 $ 0
Falls Church, Virginia 1 $ 55,000 $ 55,000 $ 65,000
Henry, Virginia 1 $ 55,000 $ 55,000 $ 0
Manassas, Virginia 1 $ 95,000 $ 95,000 $ 0

Mortgage Loan Application Detail Totals for Atlantic Union Bank in 2018

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other Purpose 1,806 $159,820,000 $88,000 $2,005,000 $93,000 $1,710,000
Home Improvement 851 $68,765,000 $80,000 $2,505,000 $101,000 $3,106,000
Refinancing 757 $146,395,000 $193,000 $14,575,000 $98,000 $2,421,000
Home Purchase 364 $106,580,000 $292,000 $8,445,000 $189,000 $1,972,000
Not Applicable 194 $69,510,000 $358,000 $1,315,000 $233,000 $233,000
Cash-out Refinancing 3 $565,000 $188,000 $245,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,867 $269,245,000 $93,000 $4,415,000 $99,000 $3,106,000
Not applicable 694 $249,530,000 $359,000 $14,575,000 $0 $0
Black or African American 198 $14,350,000 $72,000 $2,505,000 $74,000 $900,000
Hispanic 70 $4,910,000 $70,000 $245,000 $109,000 $630,000
Not Provided 68 $5,550,000 $81,000 $455,000 $112,000 $1,164,000
Asian 59 $6,375,000 $108,000 $335,000 $112,000 $642,000
American Indian or Alaskan Native 14 $1,460,000 $104,000 $555,000 $78,000 $276,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $34,000 $34,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,975 $551,635,000 $138,000 $14,575,000 $98,000 $3,106,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,155 $297,245,000 $137,000 $14,575,000 $108,000 $2,421,000
Application Denied By Financial Institution 1,106 $81,660,000 $73,000 $2,505,000 $79,000 $3,106,000
Loan Purchased By The Institution 439 $145,945,000 $332,000 $2,815,000 $0 $0
Application Withdrawn By Applicant 272 $26,170,000 $96,000 $1,005,000 $109,000 $1,632,000
Application Approved But Not Accepted 3 $615,000 $205,000 $305,000 $100,000 $100,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,869 $469,975,000 $163,000 $14,575,000 $108,000 $2,421,000
Debt-To-Income Ratio 596 $50,430,000 $84,000 $605,000 $57,000 $371,000
Credit History 249 $10,635,000 $42,000 $255,000 $72,000 $300,000
Collateral 173 $11,295,000 $65,000 $305,000 $102,000 $324,000
Unverifiable Information 68 $5,980,000 $87,000 $405,000 $232,000 $3,106,000
Employment History 16 $630,000 $39,000 $95,000 $49,000 $96,000
Other 4 $2,690,000 $672,000 $2,505,000 $477,000 $900,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Union Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Atlantic Union Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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