Atlantic Union Bank mortgage approval rate & lending review
Atlantic Union Bank decided 4,904 mortgage applications and funded 3,812 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Atlantic Union Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Atlantic Union Bank at a glance
Approval is 5.3 points above the 74.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,333 / 1,430 | 99% | $405K | 1,321 |
| Home improvement loans | 68% | 1,275 / 1,879 | 95% | $125K | 1,216 |
| Cash-out refinance | 84% | 309 / 370 | 98% | $235K | 303 |
| Refinance | 77% | 508 / 658 | 97% | $175K | 491 |
| Investment property purchase | 93% | 353 / 378 | 99% | $245K | 350 |
| Investment cash-out refinance | 81% | 44 / 54 | 100% | $175K | 44 |
| Investment refinance | 77% | 65 / 84 | 100% | $175K | 65 |
| Investment home improvement | 45% | 23 / 51 | 96% | $145K | 22 |
Atlantic Union Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 77% | $175K | 2,945 | 2,177 |
| Maryland | 82% | $335K | 1,234 | 999 |
| North Carolina | 87% | $245K | 296 | 255 |
| District of Columbia | 80% | $805K | 142 | 111 |
| Indiana | 98% | $305K | 60 | 59 |
| South Carolina | 95% | $395K | 40 | 38 |
| Florida | 95% | $305K | 39 | 36 |
| Pennsylvania | 97% | $255K | 30 | 29 |
| Tennessee | 93% | $285K | 28 | 24 |
| West Virginia | 92% | $265K | 26 | 24 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Atlantic Union Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, MD | Home improvement loans | 74% | 200 | 143 |
| Montgomery County, MD | Mortgage lenders | 94% | 151 | 142 |
| Chesterfield County, VA | Home improvement loans | 61% | 223 | 133 |
| Henrico County, VA | Home improvement loans | 68% | 197 | 127 |
| Fairfax County, VA | Home improvement loans | 72% | 156 | 107 |
| Fairfax County, VA | Mortgage lenders | 91% | 119 | 106 |
| Loudoun County, VA | Home improvement loans | 71% | 158 | 105 |
| Spotsylvania County, VA | Home improvement loans | 68% | 158 | 99 |
| Montgomery County, MD | Cash-out refinance | 83% | 105 | 85 |
| Richmond city, VA | Home improvement loans | 77% | 113 | 82 |
| Henrico County, VA | Refinance | 84% | 92 | 77 |
| Chesterfield County, VA | Refinance | 78% | 93 | 69 |
The county markets where Atlantic Union Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Atlantic Union Bank
What is Atlantic Union Bank's mortgage approval rate?
Atlantic Union Bank approved 79.7% of the 4,904 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan Atlantic Union Bank offers?
Borrowers accepted 97% of the loans Atlantic Union Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Atlantic Union Bank make?
The typical home improvement loan loan Atlantic Union Bank made was $125K; across all loan types its typical loan ran from $125K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Atlantic Union Bank lend?
Atlantic Union Bank decided applications in 25 of the states Fat Boy Data covers, most of them in Virginia, Maryland and North Carolina.
Can I apply to Atlantic Union Bank directly?
Yes. Atlantic Union Bank is a bank or credit union with 180 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Atlantic Union Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Atlantic Union Bank treats applications, then get a rate quote from the lender.