Atlantic Union Bank in North Carolina vs the state
18.7%Denial rate+0.61 pts vs state
21.2%Decision denial rate-1.65 pts vs state
68.0%Origination rate+10.22 pts vs state
7.25%Median rate+0.75 pts vs state
0.33Rate spread (pts)+0.24 pts vs state
$119kMedian applicant income
317Loans originated
87Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 171 | 111 | 21.1% | 7.95% | #213 |
| 2024 | 385 | 270 | 18.4% | 8.06% | #149 |
| 2025 | 466 | 317 | 18.7% | 7.25% | #142 |
What Atlantic Union Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Atlantic Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 79 | 59 | 7 | 8.9% |
| Alamance County | 69 | 50 | 14 | 20.3% |
| Dare County | 39 | 24 | 8 | 20.5% |
| Forsyth County | 38 | 27 | 9 | 23.7% |
| Currituck County | 36 | 22 | 7 | 19.4% |
| Wake County | 20 | 13 | 3 | 15.0% |
| Pasquotank County | 18 | 13 | 3 | 16.7% |
| Caswell County | 16 | 11 | 5 | 31.3% |
| Camden County | 11 | 7 | 3 | 27.3% |
| Brunswick County | 10 | 7 | 2 | 20.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 466 applications in 2025, of which 317 were originated and 87 denied.
18.7% of all applications, or 21.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Atlantic Union Bank originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Atlantic Union Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology