Atlantic Union Bank Mortgage Lending & HMDA Data, 2021
In 2021, Atlantic Union Bank of Glen Allen, VA reported 7,695 mortgage applications totaling $1.8 billion, down 3% from 2020. The average application was for $237,683, and applicants reported an average income of $127,436. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,401), Richmond, VA (1,394) and Virginia Beach-Norfolk-Newport News, VA-NC (631) (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 | 7,695 |
| Total Mortgage Loan Application Amount | $1,828,975,000 |
| Average Mortgage Loan Application Amount | $237,683 |
| Highest Mortgage Loan Application Amount | $18,005,000 |
| Average Applicant Income | $127,436 |
| Highest Applicant Income | $2,882,000 |
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Act (HMDA) records Atlantic Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,401 | $ 456,145,000 | $ 325,585 | $ 177,870 |
| Richmond, VA | 1,394 | $ 288,850,000 | $ 207,209 | $ 127,000 |
| Outside any metro area | 1,353 | $ 219,875,000 | $ 162,509 | $ 90,931 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 631 | $ 161,625,000 | $ 256,141 | $ 137,226 |
| Atlanta-Sandy Springs-Roswell, GA | 433 | $ 163,305,000 | $ 377,147 | $ 142,000 |
| Roanoke, VA | 358 | $ 60,140,000 | $ 167,988 | $ 92,000 |
| Staunton-Waynesboro, VA | 299 | $ 34,765,000 | $ 116,270 | $ 73,000 |
| Blacksburg-Christiansburg-Radford, VA | 256 | $ 38,990,000 | $ 152,304 | $ 98,000 |
| Charlottesville, VA | 250 | $ 48,310,000 | $ 193,240 | $ 129,000 |
| Lynchburg, VA | 228 | $ 35,710,000 | $ 156,622 | $ 91,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 198 | $ 83,820,000 | $ 423,333 | $ 140,000 |
| Harrisonburg, VA | 113 | $ 18,545,000 | $ 164,115 | $ 119,000 |
| Indianapolis-Carmel-Anderson, IN | 81 | $ 20,665,000 | $ 255,123 | $ 114,000 |
| Hagerstown-Martinsburg, MD-WV | 77 | $ 16,995,000 | $ 220,714 | $ 89,454 |
| Baltimore-Columbia-Towson, MD | 74 | $ 20,060,000 | $ 271,081 | $ 193,000 |
| Washington-Baltimore-Arlington, DC | 69 | $ 29,895,000 | $ 433,260 | $ 195,000 |
| Winchester, VA-WV | 37 | $ 7,735,000 | $ 209,054 | $ 130,783 |
| Kingsport-Bristol-Bristol, TN-VA | 36 | $ 6,490,000 | $ 180,277 | $ 64,527 |
| Salisbury, MD-DE | 34 | $ 6,660,000 | $ 195,882 | $ 167,500 |
| Raleigh, NC | 31 | $ 9,625,000 | $ 310,483 | $ 154,000 |
| Chambersburg-Waynesboro, PA | 24 | $ 4,510,000 | $ 187,916 | $ 91,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 22 | $ 5,430,000 | $ 246,818 | $ 131,909 |
| Charlotte-Concord-Gastonia, NC-SC | 16 | $ 6,070,000 | $ 379,375 | $ 396,062 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 3,725,000 | $ 286,538 | $ 130,000 |
| San Antonio-New Braunfels, TX | 10 | $ 3,420,000 | $ 342,000 | $ 111,000 |
| Austin-Round Rock, TX | 9 | $ 2,715,000 | $ 301,666 | $ 94,000 |
| Asheville, NC | 8 | $ 1,760,000 | $ 220,000 | $ 79,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 3,070,000 | $ 383,750 | $ 140,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,810,000 | $ 351,250 | $ 427,000 |
| Charleston-North Charleston, SC | 7 | $ 3,745,000 | $ 535,000 | $ 235,000 |
| Clarksville, TN-KY | 7 | $ 1,845,000 | $ 263,571 | $ 103,000 |
| Durham-Chapel Hill, NC | 7 | $ 3,075,000 | $ 439,285 | $ 279,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,605,000 | $ 515,000 | $ 142,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 2,695,000 | $ 385,000 | $ 546,000 |
| Beckley, WV | 6 | $ 760,000 | $ 126,666 | $ 60,000 |
| Birmingham-Hoover, AL | 6 | $ 1,410,000 | $ 235,000 | $ 68,000 |
| Kansas City, MO-KS | 6 | $ 1,190,000 | $ 198,333 | $ 105,833 |
| Cincinnati, OH-KY-IN | 5 | $ 1,455,000 | $ 291,000 | $ 162,000 |
| Wilmington, NC | 5 | $ 1,685,000 | $ 337,000 | $ 258,000 |
| Chattanooga, TN-GA | 4 | $ 960,000 | $ 240,000 | $ 94,250 |
| Chicago-Naperville, IL | 4 | $ 1,120,000 | $ 280,000 | $ 455,000 |
| Columbia, SC | 4 | $ 960,000 | $ 240,000 | $ 99,000 |
| Gainesville, GA | 4 | $ 1,580,000 | $ 395,000 | $ 86,000 |
| Gary, IN | 4 | $ 940,000 | $ 235,000 | $ 76,000 |
| Greensboro-High Point, NC | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Jacksonville, NC | 4 | $ 810,000 | $ 202,500 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 2,050,000 | $ 512,500 | $ 211,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,230,000 | $ 307,500 | $ 87,000 |
| Philadelphia, PA | 4 | $ 1,710,000 | $ 427,500 | $ 264,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 445,000 | $ 148,333 | $ 73,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,215,000 | $ 405,000 | $ 251,000 |
| Cumberland, MD-WV | 3 | $ 625,000 | $ 208,333 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 705,000 | $ 235,000 | $ 88,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,105,000 | $ 368,333 | $ 125,000 |
| Jacksonville, FL | 3 | $ 745,000 | $ 248,333 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 975,000 | $ 325,000 | $ 230,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,575,000 | $ 525,000 | $ 154,000 |
| New York-Newark, NY | 3 | $ 505,000 | $ 168,333 | $ 143,000 |
| Ocala, FL | 3 | $ 465,000 | $ 155,000 | $ 93,000 |
| Pittsburgh, PA | 3 | $ 325,000 | $ 108,333 | $ 107,000 |
| Urban Honolulu, HI | 3 | $ 1,025,000 | $ 341,666 | $ 146,000 |
| Cedar Rapids, IA | 2 | $ 1,090,000 | $ 545,000 | $ 218,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 400,000 | $ 200,000 | $ 49,000 |
| Johnson City, TN | 2 | $ 370,000 | $ 185,000 | $ 67,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 450,000 | $ 225,000 | $ 116,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 280,000 | $ 140,000 | $ 80,000 |
| Morgantown, WV | 2 | $ 580,000 | $ 290,000 | $ 230,000 |
| Newark, NJ-PA | 2 | $ 620,000 | $ 310,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| St. Louis, MO-IL | 2 | $ 620,000 | $ 310,000 | $ 129,000 |
| The Villages, FL | 2 | $ 370,000 | $ 185,000 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 380,000 | $ 190,000 | $ 48,000 |
| Wilmington, DE-MD-NJ | 2 | $ 690,000 | $ 345,000 | $ 143,000 |
| Winston-Salem, NC | 2 | $ 540,000 | $ 270,000 | $ 90,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Anchorage, AK | 1 | $ 345,000 | $ 345,000 | $ 174,000 |
| Ann Arbor, MI | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Athens-Clarke County, GA | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Bloomington, IL | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| California-Lexington Park, MD | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Cleveland-Elyria, OH | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Corpus Christi, TX | 1 | $ 535,000 | $ 535,000 | $ 138,000 |
| Dallas-Plano-Irving, TX | 1 | $ 255,000 | $ 255,000 | $ 194,000 |
| Fayetteville, NC | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Fort Collins, CO | 1 | $ 355,000 | $ 355,000 | $ 78,000 |
| Fort Wayne, IN | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Glens Falls, NY | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| Greenville, NC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Huntsville, AL | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Jackson, TN | 1 | $ 125,000 | $ 125,000 | $ 197,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 172,000 |
| Johnstown, PA | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Knoxville, TN | 1 | $ 465,000 | $ 465,000 | $ 508,000 |
| Logan, UT-ID | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 260,000 |
| Macon-Bibb County, GA | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Mankato-North Mankato, MN | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Memphis, TN-MS-AR | 1 | $ 65,000 | $ 65,000 | $ 301,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 305,000 | $ 305,000 | $ 109,000 |
| Mobile, AL | 1 | $ 135,000 | $ 135,000 | $ 208,000 |
| Montgomery, AL | 1 | $ 105,000 | $ 105,000 | $ 482,000 |
| Morristown, TN | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| Muncie, IN | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Nassau County-Suffolk County, NY | 1 | $ 735,000 | $ 735,000 | $ 420,000 |
| New Bern, NC | 1 | $ 495,000 | $ 495,000 | $ 179,000 |
| New Orleans-Metairie, LA | 1 | $ 305,000 | $ 305,000 | $ 8,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 145,000 | $ 145,000 | $ 171,000 |
| Parkersburg-Vienna, WV | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Rome, GA | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Savannah, GA | 1 | $ 425,000 | $ 425,000 | $ 240,000 |
| Spartanburg, SC | 1 | $ 625,000 | $ 625,000 | $ 235,000 |
| Wichita, KS | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| Worcester, MA-CT | 1 | $ 215,000 | $ 215,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Atlantic Union Bank in 2021
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 | 2,247 | $312,535,000 | $139,000 | $2,475,000 | $124,000 | $2,882,000 |
| Home Purchase | 2,191 | $707,495,000 | $322,000 | $4,985,000 | $124,000 | $1,693,000 |
| Refinancing | 1,543 | $493,305,000 | $319,000 | $18,005,000 | $142,000 | $1,936,000 |
| Home Improvement | 1,023 | $109,205,000 | $106,000 | $755,000 | $120,000 | $2,646,000 |
| Cash-out Refinancing | 691 | $206,435,000 | $298,000 | $5,605,000 | $128,000 | $1,494,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 5,751 | $1,280,145,000 | $222,000 | $5,605,000 | $126,000 | $2,882,000 |
| Not Provided | 539 | $149,605,000 | $277,000 | $3,045,000 | $154,000 | $1,497,000 |
| Black or African American | 496 | $100,960,000 | $203,000 | $1,835,000 | $103,000 | $878,000 |
| Not applicable | 379 | $144,905,000 | $382,000 | $18,005,000 | $0 | $0 |
| Hispanic | 282 | $73,670,000 | $261,000 | $1,405,000 | $117,000 | $1,749,000 |
| Asian | 205 | $68,905,000 | $336,000 | $3,035,000 | $163,000 | $1,398,000 |
| American Indian or Alaskan Native | 32 | $8,360,000 | $261,000 | $925,000 | $95,000 | $337,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $915,000 | $305,000 | $395,000 | $127,000 | $196,000 |
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) | 7,063 | $1,682,875,000 | $238,000 | $18,005,000 | $132,000 | $2,882,000 |
| FHA-insured (Federal Housing Administration) | 305 | $63,385,000 | $207,000 | $545,000 | $67,000 | $217,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 172 | $27,090,000 | $157,000 | $335,000 | $51,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 155 | $55,625,000 | $358,000 | $1,855,000 | $106,000 | $429,000 |
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 | 5,281 | $1,353,175,000 | $256,000 | $18,005,000 | $136,000 | $2,790,000 |
| Application Denied By Financial Institution | 1,442 | $211,910,000 | $146,000 | $3,005,000 | $85,000 | $1,306,000 |
| Application Withdrawn By Applicant | 771 | $230,065,000 | $298,000 | $5,605,000 | $149,000 | $2,882,000 |
| Application Approved But Not Accepted | 103 | $18,265,000 | $177,000 | $835,000 | $109,000 | $498,000 |
| Loan Purchased By The Institution | 79 | $8,385,000 | $106,000 | $285,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 7 | $4,285,000 | $612,000 | $1,425,000 | $190,000 | $329,000 |
| File Closed For Incompleteness | 7 | $1,575,000 | $225,000 | $395,000 | $82,000 | $140,000 |
| Preapproval Denied by Financial Institution | 5 | $1,315,000 | $263,000 | $425,000 | $52,000 | $85,000 |
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 | 6,248 | $1,615,750,000 | $258,000 | $18,005,000 | $137,000 | $2,882,000 |
| Debt-To-Income Ratio | 715 | $106,765,000 | $149,000 | $3,005,000 | $62,000 | $750,000 |
| Credit History | 320 | $30,220,000 | $94,000 | $1,015,000 | $92,000 | $1,032,000 |
| Collateral | 252 | $44,160,000 | $175,000 | $1,435,000 | $120,000 | $700,000 |
| Credit Application Incomplete | 56 | $4,310,000 | $76,000 | $255,000 | $130,000 | $1,306,000 |
| Unverifiable Information | 56 | $13,230,000 | $236,000 | $1,055,000 | $120,000 | $555,000 |
| Other | 26 | $8,410,000 | $323,000 | $1,405,000 | $107,000 | $278,000 |
| Employment History | 11 | $2,005,000 | $182,000 | $485,000 | $62,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $4,125,000 | $375,000 | $1,075,000 | $109,000 | $331,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Union Bank's 2021 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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