We analyzed every closed loan from Atlantic Union Bank — 985 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Atlantic Union Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+29.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
652 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
FHA
175 loans · 0.69% above market
Strong
Top 40% of lenders
4/5
VA
44 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
Jumbo
48 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
USDA
66 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
862 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
Refinance
123 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 652 | 66.2% | +0.214%Above | $2,219Fees | ||||
FHA Loans | 175 | 17.8% | +0.685%Above | $2,076Fees | ||||
VA Loans | 44 | 4.5% | -0.151%Below | $1,961Fees | ||||
Jumbo Loans | 48 | 4.9% | -0.168%Below | $1,790Fees | ||||
USDA Loans | 66 | 6.7% | +0.528%Above | $1,643Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume652
Mix66.2%
Spread
+0.214%Above
Fees
$2,219Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume175
Mix17.8%
Spread
+0.685%Above
Fees
$2,076Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume44
Mix4.5%
Spread
-0.151%Below
Fees
$1,961Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix4.9%
Spread
-0.168%Below
Fees
$1,790Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume66
Mix6.7%
Spread
+0.528%Above
Fees
$1,643Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 862 | 87.5% | +0.316%Above | $2,138Fees | ||||
Refinance | 123 | 12.5% | +0.146%Above | $2,135Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume862
Mix87.5%
Spread
+0.316%Above
Fees
$2,138Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume123
Mix12.5%
Spread
+0.146%Above
Fees
$2,135Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
985
Applications
1,284
Volume
$328 million
Pricing & Closing
Avg Rate Spread
+0.293%
vs. market APOR
Avg Net Fees
$2,138
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$333,538
Avg Borrower Income
$144,975
Avg Property Value
$444,431
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast4
CTNJNYPA
Midwest3
INMIMN
South11
ALDCFLGAMDNCSCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.