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The Lender Report built this page from public records. Atlantic Union Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Atlantic Union Bank itself. Each figure shows its source and date. Work at Atlantic Union Bank? You can claim this page for free.

Bank, Richmond City, VA

Atlantic Union Bank

A bank based in Richmond City, VA. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$21.6B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
46
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
167
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$38.0B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
800-990-4828 From the lender's website, retrieved November 9, 2026. Source page
Website
www.atlanticunionbank.comFrom the FDIC record, November 9, 2026.
Commercial lending page
atlanticunionbank.comFrom the lender's website, retrieved November 11, 2026.
Address
1051 E Cary St, Richmond City, VA 23219FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Atlantic Union Bank originated 46 multifamily loans in 2025, versus 30 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 6 opened, 6 closed, 1 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 89 under Preferred Lender authority, 35 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 5.7% to $7.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Commercial and industrial balance rose 9.5% to $5.6B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 9.3% to $4.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 21.2% to $3.4B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
April 1, 2025 Acquired Sandy Spring Bank on April 1, 2025.FDIC structure history. FDIC history,
2024 Reported making 1,077 small business loans totaling $315.2M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Atlantic Union BankNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026VirginiaSBA 7(a), Other Activities Related to Real Estate$2.3M9%25 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Fitness and Recreational Sports Centers$650K8.5%10 yrSBA FOIA
Aug 2026MarylandSBA 7(a), Landscaping Services$1.1M8.75%10 yrSBA FOIA
Aug 2026VirginiaSBA 7(a), Fitness and Recreational Sports Centers$360K9.5%10 yrSBA FOIA
Aug 2026North CarolinaSBA 7(a), Full-Service Restaurants$200K8.5%10 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), Limited-Service Restaurants$2.1M8.75%26 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), Limited-Service Restaurants$2.1M8.75%26 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), Electrical Contractors and Other Wiring Installation Contractors$1.7M9.5%10 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), All Other Miscellaneous Schools and Instruction$1.1M9.25%26 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), Electrical Contractors and Other Wiring Installation Contractors$250K9.5%10 yrSBA FOIA
Jul 2026VirginiaSBA 7(a), All Other Miscellaneous Schools and Instruction$50K9.25%10 yrSBA FOIA
Jun 2026ColoradoSBA 7(a), All Other Amusement and Recreation Industries$3.2M7.75%10 yrSBA FOIA
Jun 2026VirginiaSBA 7(a), Landscaping Services$620K9.25%10 yrSBA FOIA
May 2026VirginiaSBA 7(a), Agriculture, Forestry, Fishing and Hunting$960K8.75%25 yrSBA FOIA
May 2026MarylandSBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers$500K8%10 yrSBA FOIA
May 2026VirginiaSBA 7(a), Agriculture, Forestry, Fishing and Hunting$50K8.75%10 yrSBA FOIA
Apr 2026UtahSBA 7(a), Fitness and Recreational Sports Centers$860K9%10 yrSBA FOIA
2025Portsmouth city, VAPurchase, 5 to 24 units$580K7.59%5 yr75%HMDA 2025
2025Norfolk city, VARefinance, 5 to 24 units$780K6.83%5 yr67%HMDA 2025
2025Norfolk city, VARefinance, 5 to 24 units$160K7.5%10 yr29%HMDA 2025
2025Guilford County, NCRefinance, 5 to 24 units$880K7.25%5 yr54%HMDA 2025
2025Durham County, NCRefinance, 5 to 24 units$780K6.75%5 yr44%HMDA 2025
2025VirginiaRefinance, 5 to 24 units$120K7.5%5 yr32%HMDA 2025
2025Richmond city, VARefinance, 5 to 24 units$860K6.9%5 yr65%HMDA 2025
2025Arlington-Alexandria-Reston, VA-WVPurchase, 50 to 99 units$4.4M6.11%5 yr28%HMDA 2025
127 SBA 7(a) loans since October 2023, net of cancelled$104MSBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names Atlantic Union Bank as the lender, totaling $2.20M.
Recorded mortgages by property class
Property classMortgagesDollars
Industrial1$2.20M
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Bronx1
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$2.43B8.5%+16.6%
Construction and land development$1.86B6.5%-23.9%
Owner-occupied CRE$4.31B15.0%+9.3%
Non-owner-occupied CRE$7.30B25.4%+5.7%
Farmland$42.4M0.1%-11.7%
Commercial and industrial$5.63B19.6%+9.5%
Commercial total$21.6B
FDIC call report,

Reference only: $5.27B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$11.7B
Q4 2023$12.0B
Q1 2024$12.1B
Q2 2024$14.1B
Q3 2024$14.1B
Q4 2024$14.2B
Q1 2025$14.1B
Q2 2025$20.6B
Q3 2025$20.5B
Q4 2025$20.8B
Q1 2026$21.0B
Q2 2026$21.6B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202546$139M$885K$52MHMDA,
Multifamily, 5 or more units202430$53.5M$730KHMDA,
1-4 unit investor or business purpose2025298$89.0M$225KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026127$104M$500K$5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202641$36.2MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 202640$38.5M$794K$3.2MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

SBA loans by industry, 36 months
IndustryLoansDollars
Fitness and Recreational Sports Centers12$6.76M
All Other Amusement and Recreation Industries9$14.1M
Limited-Service Restaurants7$9.56M
Electrical Contractors and Other Wiring Installation Contractors7$4.62M
Child Care Services6$2.13M
SBA FOIA,

Other lenders in these fields: SBA lenders for gyms and fitness businesses, SBA lenders for restaurants, SBA lenders for construction trades.

Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Atlantic Union Bank reported making 1,077 small business loans totaling $315,160,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 375 of $100,000 or less, 241 over $100,000 up to $250,000, 461 over $250,000 up to $1 million.
  • 355 of them, totaling $116,316,000, went to businesses with revenue of $1 million or less.
  • Atlantic Union Bank reported making 12 small farm loans totaling $1,546,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 5 of $100,000 or less, 6 over $100,000 up to $250,000, 1 over $250,000 up to $500,000.
  • 5 of them, totaling $575,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 174 loans, $60,894,000.
CountyLoansTotal
Guilford County, NC54$17.1M
Loudoun County, VA49$17.0M
Richmond city, VA43$14.1M
Fairfax County, VA38$15.7M
Alamance County, NC37$7.28M
Henrico County, VA37$13.8M
Virginia Beach city, VA37$11.9M
Spotsylvania County, VA35$10.7M
Forsyth County, NC32$8.66M
Chesapeake city, VA31$7.90M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Atlantic Union Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $388,806,000 for 1-4 family residential construction and $2,591,334,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $3,853,599,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less3,404$139M
Over $100,000 up to $250,0001,558$192M
Over $250,000 up to $1 million2,603$870M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less291$16.5M
Over $100,000 up to $250,000975$118M
Over $250,000 up to $1 million3,069$1.28B
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less16$641K
Over $100,000 up to $250,00026$2.92M
Over $250,000 up to $500,00018$3.68M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less20$603K
Over $100,000 up to $250,0005$660K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Virginia HQ130291806626
Maryland39055148
North Carolina16153484
District of Columbia221701
Texas00170
Colorado00050
California00040
Florida00220
Pennsylvania00220
Illinois00120
South Carolina00201
West Virginia00300
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Norfolk city, VA13$41.7M
Roanoke city, VA8$6.48M
Richmond city, VA5$4.09M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Virginia Beach-Chesapeake-Norfolk, VA-NC18$70.6M
Roanoke, VA10$14.7M
Richmond, VA7$14.2M
Greensboro-High Point, NC5$4.62M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Atlantic Union Bank has 177 offices in 84 counties and 4 states (FDIC Summary of Deposits, June 30, 2026): 175 full service and 2 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Montgomery County, MD180
Fairfax County, VA80
Chesterfield County, VA60
Anne Arundel County, MD50
Prince George's County, MD50
Henrico County, VA50
Loudoun County, VA50
Howard County, MD40
Hanover County, VA40
Montgomery County, VA40
Spotsylvania County, VA40
Richmond city, VA40
Virginia Beach city, VA40
Frederick County, MD30
Alamance County, NC30
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$657M$196M to $607M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital264.8%147.5% to 333.7% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital42.5%17.3% to 83.6% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits93.8%82.2% to 132.4% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$3.43B$524M to $3.67B across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 21.2% from a year earlier.FDIC call report,
Loans to assets75.5%67.8% to 79.7% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
89 loans (70.1%)
SBA Express
35 loans
Approval to first disbursement
32 days, median of 110

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
United BankVA$33.6B$16.8B
TowneBankVA$22.6B$10.7B
Burke & Herbert Bank & Trust CompanyVA$11.0B$6.33B
MidFirst BankOK$42.8B$11.8B
BankUnited, National AssociationFL$34.9B$13.3B
Fulton Bank, National AssociationPA$32.6B$13.5B
Ameris BankGA$28.4B$14.9B
Hancock Whitney BankMS$36.3B$16.8B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Atlantic Union Bank, FDIC certificate 34589. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $38.0B in total assets and $21.6B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 541 recorded loans from HMDA and SBA files, through September 30, 2026: 46 HMDA multifamily 2025, 30 HMDA multifamily 2024, 298 HMDA 1-4 unit investor 2025, 127 SBA 7(a) in 36 months, 40 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Atlantic Union Bank]
  4. Phone and website. Phone 800-990-4828, from the lender's website on November 9, 2026. Website atlanticunionbank.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 1,077 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
34589
RSSD
693224
LEI
549300ZTT08EKQRVTR15
The Lender Report ID
lr_000064
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Richmond, VA

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $38B in total assets as of June 30, 2026 (FDIC call report).
  • Held $21.6B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $7.3B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.7% from a year earlier (FDIC call report).
  • Held $5.6B of commercial and industrial loans as of June 30, 2026, up 9.5% from a year earlier (FDIC call report).
  • Held $4.3B of owner-occupied commercial real estate loans as of June 30, 2026, up 9.3% from a year earlier (FDIC call report).
  • Originated 46 multifamily loans totaling $139M in 2025 (HMDA).
11 more sentences
  • Originated 30 multifamily loans totaling $53.5M in 2024 (HMDA).
  • Originated 298 1-4 unit investor or business-purpose loans totaling $89M in 2025 (HMDA).
  • Recorded 145 SBA 7(a) approvals totaling $116.7M from October 1, 2023 to September 30, 2026, of which 18 were later cancelled (SBA).
  • Provided the first lien on 42 SBA 504 projects with $42.5M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
  • Listed 187 offices in 4 states (FDIC).
  • Reported making 1,077 small business loans totaling $315.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 12 small farm loans totaling $1.5M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Held 7,565 commercial and industrial loans that were $1 million or less when made, with a balance of $1.2B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 4,335 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $1.4B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $388.8M for 1-4 family and $2.6B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $2.2M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, Atlantic Union Bank, https://lender.report/lender/atlantic-union-bank-va/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

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Work at Atlantic Union Bank? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem