Atlantic Union Bank in West Virginia vs the state
3.2%Denial rate-17.95 pts vs state
3.9%Decision denial rate-22.79 pts vs state
80.5%Origination rate+25.75 pts vs state
6.63%Median rate0.00 pts vs state
0.67Rate spread (pts)+0.27 pts vs state
$72kMedian applicant income
149Loans originated
6Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 139 | 4.6% | 6.75% | #60 |
| 2024 | 205 | 163 | 4.9% | 6.63% | #51 |
| 2025 | 185 | 149 | 3.2% | 6.63% | #63 |
What Atlantic Union Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Atlantic Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mercer County | 134 | 118 | 2 | 1.5% |
| Monroe County | 12 | 9 | 2 | 16.7% |
| Berkeley County | 8 | 3 | 1 | 12.5% |
| Jefferson County | 5 | 2 | 0 | 0.0% |
| Raleigh County | 5 | 5 | 0 | 0.0% |
| McDowell County | 5 | 2 | 0 | 0.0% |
| Summers County | 5 | 3 | 0 | 0.0% |
| Fayette County | 4 | 3 | 0 | 0.0% |
| Wyoming County | 2 | 2 | 0 | 0.0% |
| Cabell County | 2 | 1 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 185 applications in 2025, of which 149 were originated and 6 denied.
3.2% of all applications, or 3.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Atlantic Union Bank originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Atlantic Union Bank's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology