HMDA records
7,847
2025
Public institution profile · Bank · Not a recommendation
Atlantic Union Bank
BankRichmond City, VAActive
FDIC certificate 34589
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 34589
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 693224
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.atlanticunionbank.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Richmond City, VA
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 178
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam October 16, 2023
- Institution history
- 12 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Richmond City, VA
- activity
- Published activity year 2025
- Listed branch locations
- 178
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam October 16, 2023
- Institution history
- 12 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
7,847reported records
5,109reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
5,109
2025
Denials
1,589
2025
Withdrawals
710
2025
Denial rate among decisioned applications
23.3%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 7,847 | 5,109 | 116 | 1,589 | 710 | 23.3% |
| 2024 | 5,288 | 3,408 | 110 | 1,273 | 356 | 26.6% |
| 2023 | 4,911 | 3,036 | 129 | 1,227 | 323 | 27.9% |
| 2022 | 6,736 | 4,356 | 127 | 1,437 | 634 | 24.3% |
| 2021 | 7,695 | 5,281 | 103 | 1,442 | 771 | 21.1% |
| 2020 | 7,898 | 5,488 | 157 | 1,566 | 628 | 21.7% |
| 2019 | 6,329 | 3,871 | 131 | 1,549 | 435 | 27.9% |
| 2018 | 3,972 | 2,155 | 3 | 1,103 | 272 | 33.8% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 7,240 |
| FHA | 428 |
| VA | 117 |
| RHS / FSA | 62 |
| Home purchase | 2,530 |
| Home improvement | 1,694 |
| Refinancing | 502 |
| Cash-out refinancing | 555 |
State reporting
28 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Atlantic Union Bank
- Display name
- Atlantic Union Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- November 4, 1997
- Established date
- November 4, 1997
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Richmond City, VA, 23219, United States
- FDIC certificate number
- 34589
- Federal Reserve
- 693224
- Domestic location count
- 190
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 34589
- Federal Reserve
- 693224
- 549300ZTT08EKQRVTR15
- Headquarters
- 1051 East Cary Street, Suite 103, Richmond, VA, 23219, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- October 16, 2023
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| October 16, 2023 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 17, 2021 | Satisfactory | Federal Reserve | Large Bank Exam |
| June 11, 2018 | Satisfactory | Federal Reserve | Large Bank Exam |
| January 12, 2015 | Satisfactory | Federal Reserve | Large Bank Exam |
| September 17, 2012 | Satisfactory | Federal Reserve | Large Bank Exam |
| September 13, 2010 | Satisfactory | Federal Reserve | Large Bank Exam |
| June 16, 2008 | Satisfactory | Federal Reserve | Large Bank Exam |
| June 19, 2006 | Satisfactory | Federal Reserve | Large Bank Exam |
| June 14, 2004 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 13, 2002 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 1, 2000 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 4, 1998 | Satisfactory | Federal Reserve | Large Bank Exam |
Formal hierarchy
FFIEC NIC hierarchy rows
14
Showing 1 through 14 of 14 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | ACCESS CAPITAL MANAGEMENT HOLDING, LLC | Domestic Entity Other | Reston, VA |
| Direct relationship | ATLANTIC UNION CAPITAL MARKETS INC | Domestic Entity Other | Glen Allen, VA |
| Direct relationship | ATLANTIC UNION EQUIPMENT FINANCE, INC | Finance Company | Richmond, VA |
| Direct relationship | ATLANTIC UNION MUNICIPAL ADVISORS INC | Domestic Entity Other | Glen Allen, VA |
| Direct relationship | ATLANTIC UNION PUBLIC FINANCE, INC | Domestic Entity Other | Richmond, VA |
| Direct relationship | AUB INVESTMENTS, INC | Domestic Entity Other | Richmond, VA |
| Direct relationship | DANVILLE COMMUNITY DEVELOPMENT CORPORATION | Domestic Entity Other | Danville, VA |
| Direct relationship | GUARANTY INVESTMENTS CORPORATION | Domestic Entity Other | Richmond, VA |
| Direct relationship | SSB WEALTH MANAGEMENT, INC. | Domestic Entity Other | Olney, MD |
| Direct relationship | UNION BANK COMMUNITY DEVELOPMENT CORPORATION | Domestic Entity Other | Richmond, VA |
| Direct relationship | UNION INSURANCE GROUP LLC | Domestic Entity Other | Richmond, VA |
| Direct relationship | UNION SERVICE CORPORATION | Domestic Entity Other | Richmond, VA |
| Direct relationship | WEST FINANCIAL SERVICES, INC. | Domestic Entity Other | Mc Lean, VA |
| ROOT_INSTITUTION | ATLANTIC UNION BANK | State Member Bank | Richmond, VA |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
178
Showing 1 through 50 of 178 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CONNECTICUT AVENUE BRANCH | 1025 Connecticut Ave NW | Washington | DC | 20036 |
| NEW YORK AVENUE SOLUTIONS CENTER | 647 New York Avenue, NW | Washington | DC | 20001 |
| JENNIFER ROAD BRANCH | 166 Jennifer RD | Annapolis | MD | 21401 |
| ASHTON BRANCH | 1 Ashton Road | Ashton | MD | 20861 |
| BALTIMORE | 4004 Boston Street, Unit 103 | Baltimore | MD | 21224 |
| BELTSVILLE SOLUTIONS CENTER | 10985 Baltimore Avenue | Beltsville | MD | 20705 |
| BETHESDA BRANCH | 7550 Wisconsin Avenue | Bethesda | MD | 20814 |
| WILDWOOD BRANCH | 10329 Old Georgetown Road | Bethesda | MD | 20814 |
| BURTONSVILLE OFFICE | 3535 Spencerville Road | Burtonsville | MD | 20866 |
| CLARKSVILLE BRANCH | 12276 Clarksville Pike | Clarksville | MD | 21029 |
| DAMASCUS BRANCH | 26250 Ridge Road | Damascus | MD | 20872 |
| EDGEWATER COMMUNITY OFFICE | 116 Mitchells Chance Road | Edgewater | MD | 21037 |
| ELLICOTT CITY BRANCH | 6031 University Blvd | Ellicott City | MD | 21043 |
| 40 WEST COMMUNITY BRANCH | 1003 West Patrick Street | Frederick | MD | 21702 |
| DOWNTOWN FREDERICK BRANCH | 30 West Patrick Street, Suite 101 | Frederick | MD | 21701 |
| URBANA COMMUNITY BRANCH | 8921 Fingerboard RD | Frederick | MD | 21704 |
| AIRPARK OFFICE | 7653 Lindbergh Drive | Gaithersburg | MD | 20879 |
| GAITHERSBURG OFFICE | 484 North Frederick Avenue | Gaithersburg | MD | 20877 |
| MILESTONE COMMUNITY BRANCH | 20930 Frederick RD | Germantown | MD | 20876 |
| GLEN BURNIE BRANCH | 7405 Ritchie Highway | Glen Burnie | MD | 21061 |
| GREENBELT BRANCH | 7565 Greenbelt Road | Greenbelt | MD | 20770 |
| FULTON - CHERRY TREE CROSSING BRANCH | 8315 Ice Crystal Drive | Laurel | MD | 20723 |
| LAUREL BRANCH | 319 Main Street | Laurel | MD | 20707 |
| LAUREL LAKES COMMUNITY OFFICE | 14404 Baltimore Ave | Laurel | MD | 20707 |
| SEVERNA PARK GATEWAY BRANCH | 8529 Veterans Highway | Millersville | MD | 21108 |
| MONTGOMERY VILLAGE OFFICE | 9921 Stedwick Road | Montgomery Village | MD | 20886 |
| MOUNT AIRY BRANCH | 425 East Ridgeville Boulevard | Mount Airy | MD | 21771 |
| OLNEY-MD | 17801 Georgia Avenue | Olney | MD | 20832-2267 |
| OXON HILL ROAD BRANCH | 6089 Oxon Hill RD | Oxon Hill | MD | 20745 |
| PASADENA BRANCH | 4001 Mountain Road | Pasadena | MD | 21122 |
| POCOMOKE BRANCH | 103 Pocomoke Marketplace | Pocomoke City | MD | 21851 |
| POTOMAC BRANCH | 9812 Falls Road Suite 125 | Potomac | MD | 20854 |
| ROCKVILLE OFFICE | 611 Rockville Pike | Rockville | MD | 20852 |
| SHADY GROVE BRANCH | 14941 Shady Grove Road | Rockville | MD | 20850 |
| BEDFORD COURT OFFICE | 3701 International Drive | Silver Spring | MD | 20906 |
| COLESVILLE BRANCH | 13300 New Hampshire Ave | Silver Spring | MD | 20904 |
| LAYHILL BRANCH | 14241 Layhill Road | Silver Spring | MD | 20906 |
| LEISUREWORLD PLAZA BRANCH | 3801 International Drive | Silver Spring | MD | 20906 |
| SILVER SPRING COMMUNITY BRANCH | 8401 Colesville Road | Silver Spring | MD | 20910 |
| TOWSON BRANCH | 502 Washington Avenue, Suite 103 | Towson | MD | 21204 |
| LISBON COMMUNITY BRANCH | 704 Lisbon Center Drive | Woodbine | MD | 21797 |
| CHURCH STREET BRANCH | 3101 South Church Street | Burlington | NC | 27215 |
| EDENTON BRANCH | 322 South Broad Street | Edenton | NC | 27932 |
| ELIZABETH CITY MAIN BRANCH | 1145 North Road Street | Elizabeth City | NC | 27909 |
| GRAHAM BRANCH | 842 South Main ST | Graham | NC | 27253 |
| GREEN VALLEY BRANCH | 703 Green Valley Road | Greensboro | NC | 27408 |
| SOUTHERN SHORES BRANCH | 5406 North Croatan Highway | Kitty Hawk | NC | 27949 |
| MEBANE BRANCH | 1008 Mebane Oaks Road | Mebane | NC | 27302 |
| PARK WEST | 1000 Village Market Place | Morrisville | NC | 27560 |
| MOYOCK OFFICE | 100 Moyock Commons Drive | Moyock | NC | 27958 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
12
Showing 1 through 12 of 12 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 1, 2024 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | XENITH BANK |
| May 10, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 12, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 12, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 20, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 15, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 11, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 26, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.