Atlantic Union Bank Mortgage Lending & HMDA Data, 2022
In 2022, Atlantic Union Bank of Glen Allen, VA reported 6,736 mortgage applications totaling $1.5 billion, down 12% from 2021. The average application was for $226,070, and applicants reported an average income of $135,934. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Richmond, VA (1,343), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,127) and Virginia Beach-Norfolk-Newport News, VA-NC (582) (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 | 6,736 |
| Total Mortgage Loan Application Amount | $1,522,810,000 |
| Average Mortgage Loan Application Amount | $226,070 |
| Highest Mortgage Loan Application Amount | $21,005,000 |
| Average Applicant Income | $135,934 |
| Highest Applicant Income | $5,318,000 |
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Act (HMDA) records Atlantic Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 1,407 | $ 233,275,000 | $ 165,796 | $ 94,685 |
| Richmond, VA | 1,343 | $ 218,015,000 | $ 162,334 | $ 138,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,127 | $ 371,395,000 | $ 329,543 | $ 207,663 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 582 | $ 156,580,000 | $ 269,037 | $ 148,221 |
| Roanoke, VA | 343 | $ 64,475,000 | $ 187,973 | $ 87,000 |
| Atlanta-Sandy Springs-Roswell, GA | 264 | $ 99,260,000 | $ 375,984 | $ 152,000 |
| Blacksburg-Christiansburg-Radford, VA | 255 | $ 31,545,000 | $ 123,705 | $ 84,000 |
| Staunton-Waynesboro, VA | 252 | $ 27,830,000 | $ 110,436 | $ 77,000 |
| Lynchburg, VA | 208 | $ 27,740,000 | $ 133,365 | $ 92,000 |
| Charlottesville, VA | 207 | $ 35,935,000 | $ 173,599 | $ 130,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 140 | $ 72,030,000 | $ 514,500 | $ 159,000 |
| Harrisonburg, VA | 110 | $ 16,190,000 | $ 147,181 | $ 114,000 |
| Washington-Baltimore-Arlington, DC | 66 | $ 23,990,000 | $ 363,484 | $ 154,000 |
| Baltimore-Columbia-Towson, MD | 47 | $ 8,795,000 | $ 187,127 | $ 151,000 |
| Winchester, VA-WV | 32 | $ 6,470,000 | $ 202,187 | $ 165,000 |
| Indianapolis-Carmel-Anderson, IN | 31 | $ 8,135,000 | $ 262,419 | $ 111,000 |
| Hagerstown-Martinsburg, MD-WV | 30 | $ 7,240,000 | $ 241,333 | $ 101,000 |
| Salisbury, MD-DE | 20 | $ 5,430,000 | $ 271,500 | $ 112,300 |
| Raleigh, NC | 18 | $ 3,570,000 | $ 198,333 | $ 383,000 |
| Charlotte-Concord-Gastonia, NC-SC | 16 | $ 7,220,000 | $ 451,250 | $ 428,000 |
| Kingsport-Bristol-Bristol, TN-VA | 13 | $ 2,565,000 | $ 197,307 | $ 83,307 |
| Chambersburg-Waynesboro, PA | 12 | $ 3,240,000 | $ 270,000 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,350,000 | $ 225,000 | $ 91,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 16,310,000 | $ 2,718,333 | $ 834,000 |
| Wilmington, NC | 6 | $ 2,930,000 | $ 488,333 | $ 653,000 |
| Asheville, NC | 5 | $ 335,000 | $ 67,000 | $ 235,000 |
| Beckley, WV | 5 | $ 815,000 | $ 163,000 | $ 75,000 |
| Cumberland, MD-WV | 5 | $ 505,000 | $ 101,000 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,715,000 | $ 343,000 | $ 196,000 |
| Austin-Round Rock, TX | 4 | $ 2,180,000 | $ 545,000 | $ 162,000 |
| Fayetteville, NC | 4 | $ 630,000 | $ 157,500 | $ 91,000 |
| New York-Newark, NY | 4 | $ 1,280,000 | $ 320,000 | $ 79,250 |
| Winston-Salem, NC | 4 | $ 510,000 | $ 127,500 | $ 45,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,385,000 | $ 461,666 | $ 146,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,655,000 | $ 551,666 | $ 190,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,695,000 | $ 565,000 | $ 128,000 |
| Durham-Chapel Hill, NC | 3 | $ 2,685,000 | $ 895,000 | $ 346,000 |
| Elgin, IL | 3 | $ 875,000 | $ 291,666 | $ 108,000 |
| Gainesville, GA | 3 | $ 1,225,000 | $ 408,333 | $ 138,000 |
| Greensboro-High Point, NC | 3 | $ 1,705,000 | $ 568,333 | $ 970,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 165,000 | $ 55,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 765,000 | $ 255,000 | $ 218,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 785,000 | $ 261,666 | $ 19,000 |
| Johnson City, TN | 3 | $ 1,315,000 | $ 438,333 | $ 153,000 |
| Knoxville, TN | 3 | $ 915,000 | $ 305,000 | $ 92,000 |
| New Bern, NC | 3 | $ 305,000 | $ 101,666 | $ 91,000 |
| York-Hanover, PA | 3 | $ 735,000 | $ 245,000 | $ 108,000 |
| Athens-Clarke County, GA | 2 | $ 510,000 | $ 255,000 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 700,000 | $ 350,000 | $ 81,000 |
| California-Lexington Park, MD | 2 | $ 330,000 | $ 165,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 470,000 | $ 235,000 | $ 223,000 |
| Charleston-North Charleston, SC | 2 | $ 1,450,000 | $ 725,000 | $ 2,196,000 |
| Chattanooga, TN-GA | 2 | $ 650,000 | $ 325,000 | $ 100,000 |
| Clarksville, TN-KY | 2 | $ 460,000 | $ 230,000 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,110,000 | $ 555,000 | $ 284,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,560,000 | $ 1,280,000 | $ 160,000 |
| Jacksonville, FL | 2 | $ 1,550,000 | $ 775,000 | $ 1,018,000 |
| Lancaster, PA | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Montgomery, AL | 2 | $ 300,000 | $ 150,000 | $ 519,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 930,000 | $ 465,000 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 830,000 | $ 415,000 | $ 167,000 |
| Port St. Lucie, FL | 2 | $ 550,000 | $ 275,000 | $ 173,000 |
| Rome, GA | 2 | $ 510,000 | $ 255,000 | $ 73,000 |
| San Antonio-New Braunfels, TX | 2 | $ 610,000 | $ 305,000 | $ 78,000 |
| Tallahassee, FL | 2 | $ 1,120,000 | $ 560,000 | $ 345,000 |
| Waco, TX | 2 | $ 680,000 | $ 340,000 | $ 434,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Bloomington, IL | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Boston, MA | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Bowling Green, KY | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Canton-Massillon, OH | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Charleston, WV | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Chicago-Naperville, IL | 1 | $ 285,000 | $ 285,000 | $ 175,000 |
| Columbia, SC | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Corpus Christi, TX | 1 | $ 565,000 | $ 565,000 | $ 226,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 145,000 | $ 145,000 | $ 580,000 |
| Dover, DE | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Gary, IN | 1 | $ 285,000 | $ 285,000 | $ 172,000 |
| Glens Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 235,000 | $ 235,000 | $ 40,000 |
| Homosassa Springs, FL | 1 | $ 305,000 | $ 305,000 | $ 53,000 |
| Jacksonville, NC | 1 | $ 155,000 | $ 155,000 | $ 195,000 |
| Jonesboro, AR | 1 | $ 215,000 | $ 215,000 | $ 591,000 |
| Kansas City, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Killeen-Temple, TX | 1 | $ 345,000 | $ 345,000 | $ 162,000 |
| Kokomo, IN | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Macon-Bibb County, GA | 1 | $ 405,000 | $ 405,000 | $ 163,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 525,000 | $ 525,000 | $ 537,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 365,000 | $ 365,000 | $ 148,000 |
| Morristown, TN | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,305,000 | $ 1,305,000 | $ 17,000 |
| Newark, NJ-PA | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 355,000 | $ 355,000 | $ 118,000 |
| Ocala, FL | 1 | $ 445,000 | $ 445,000 | $ 144,000 |
| Parkersburg-Vienna, WV | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 705,000 | $ 705,000 | $ 243,000 |
| Rocky Mount, NC | 1 | $ 135,000 | $ 135,000 | $ 312,000 |
| Savannah, GA | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Urban Honolulu, HI | 1 | $ 975,000 | $ 975,000 | $ 150,000 |
| Wilmington, DE-MD-NJ | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Atlantic Union Bank in 2022
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 | 2,582 | $376,680,000 | $145,000 | $5,005,000 | $136,000 | $5,318,000 |
| Home Purchase | 1,907 | $710,065,000 | $372,000 | $14,505,000 | $140,000 | $4,202,000 |
| Home Improvement | 1,210 | $142,010,000 | $117,000 | $1,605,000 | $136,000 | $3,288,000 |
| Refinancing | 752 | $190,810,000 | $253,000 | $21,005,000 | $123,000 | $4,684,000 |
| Cash-out Refinancing | 285 | $103,245,000 | $362,000 | $9,025,000 | $142,000 | $2,421,000 |
| 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 | 4,889 | $1,025,105,000 | $209,000 | $9,025,000 | $132,000 | $5,318,000 |
| Black or African American | 553 | $93,145,000 | $168,000 | $1,255,000 | $115,000 | $3,288,000 |
| Not Provided | 510 | $147,210,000 | $288,000 | $5,505,000 | $188,000 | $2,597,000 |
| Not applicable | 283 | $131,065,000 | $463,000 | $21,005,000 | $0 | $0 |
| Hispanic | 275 | $64,355,000 | $234,000 | $1,275,000 | $125,000 | $4,215,000 |
| Asian | 162 | $49,830,000 | $307,000 | $2,255,000 | $195,000 | $4,200,000 |
| American Indian or Alaskan Native | 34 | $4,740,000 | $139,000 | $705,000 | $89,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $845,000 | $169,000 | $395,000 | $84,000 | $120,000 |
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) | 6,210 | $1,404,730,000 | $226,000 | $21,005,000 | $141,000 | $5,318,000 |
| FHA-insured (Federal Housing Administration) | 327 | $71,585,000 | $218,000 | $755,000 | $73,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 122 | $18,100,000 | $148,000 | $455,000 | $56,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 77 | $28,395,000 | $368,000 | $1,255,000 | $115,000 | $370,000 |
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 | 4,356 | $1,040,940,000 | $238,000 | $21,005,000 | $144,000 | $5,318,000 |
| Application Denied By Financial Institution | 1,437 | $200,025,000 | $139,000 | $5,505,000 | $100,000 | $4,200,000 |
| Application Withdrawn By Applicant | 634 | $212,830,000 | $335,000 | $9,705,000 | $160,000 | $4,684,000 |
| Application Approved But Not Accepted | 127 | $24,345,000 | $191,000 | $2,415,000 | $158,000 | $1,586,000 |
| Loan Purchased By The Institution | 114 | $11,850,000 | $103,000 | $355,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 42 | $18,330,000 | $436,000 | $1,285,000 | $137,000 | $591,000 |
| File Closed For Incompleteness | 23 | $12,045,000 | $523,000 | $4,005,000 | $214,000 | $2,400,000 |
| Preapproval Denied by Financial Institution | 3 | $2,445,000 | $815,000 | $1,195,000 | $125,000 | $210,000 |
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 | 5,296 | $1,320,340,000 | $249,000 | $21,005,000 | $146,000 | $5,318,000 |
| Debt-To-Income Ratio | 670 | $97,890,000 | $146,000 | $1,505,000 | $63,000 | $296,000 |
| Credit History | 442 | $43,410,000 | $98,000 | $5,505,000 | $122,000 | $3,288,000 |
| Collateral | 184 | $32,750,000 | $177,000 | $2,005,000 | $143,000 | $1,003,000 |
| Credit Application Incomplete | 62 | $8,090,000 | $130,000 | $805,000 | $157,000 | $2,041,000 |
| Unverifiable Information | 26 | $4,140,000 | $159,000 | $855,000 | $298,000 | $4,200,000 |
| Other | 25 | $6,835,000 | $273,000 | $995,000 | $114,000 | $300,000 |
| Employment History | 22 | $5,940,000 | $270,000 | $1,505,000 | $84,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $3,415,000 | $379,000 | $1,085,000 | $83,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Union Bank's 2022 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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