# Blue Ridge Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/blue-ridge-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Blue Ridge Bank, National Association is a bank, headquartered in Martinsville, VA, serving borrowers across 24 states, with 756 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007WZXR2YE227I23
- **Headquarters:** Martinsville, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AZ, CO, CT, DE, FL, GA, IL, IN, KY, MD, MS, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX, VA, WI, WV
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.335%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,458
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 756
- **Dollar Volume:** $204 million
- **Applications Received:** 1,077
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,907
- **Average Borrower Income:** $135,533
- **Average Property Value:** $342,791

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 412 | +0.329% | $2,593 | Sound ☺️ |
| FHA | 69/100 | 228 | +0.524% | $2,300 | Strong 😀 |
| VA | 66/100 | 70 | -0.215% | $2,302 | Strong 😀 |
| USDA | 81/100 | 44 | +0.286% | $2,200 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 351 loans, Score: 50/100 (Sound)
- Refinance: 61 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 211 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 63 loans, Score: 66/100 (Strong)

**USDA:**
- Purchase: 44 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 670 | $184M | +0.336% | Strong 😀 |
| Refinance | 47/100 | 86 | $20M | +0.328% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 293 | 0.20% | 72/100 |
| VA | 226 | 0.21% | 75/100 |
| IN | 60 | 0.07% | 57/100 |
| SC | 38 | 0.05% | 54/100 |
| PA | 28 | 0.02% | 48/100 |
| MD | 20 | 0.03% | 46/100 |
| OK | 17 | 0.04% | 45/100 |
| FL | 13 | 0.00% | 36/100 |
| GA | 11 | 0.01% | 38/100 |
| TN | 11 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 271 | 68/100 |
| Virginia Beach | VA-NC | 36 | 56/100 |
| Winston | NC | 34 | 60/100 |
| Charlotte | NC-SC | 33 | 54/100 |
| Raleigh | NC | 31 | 55/100 |
| Wilmington, NC | NC | 28 | 59/100 |
| Arlington | VA-WV | 26 | 51/100 |
| Greensboro | NC | 25 | 55/100 |
| Durham | NC | 23 | 55/100 |
| Oklahoma City, OK | OK | 16 | 46/100 |
| Burlington, NC | NC | 15 | 53/100 |
| Indianapolis | IN | 15 | 44/100 |
| Kingsport | TN-VA | 12 | 45/100 |
| Williamsport, PA | PA | 12 | 47/100 |
| Richmond, VA | VA | 10 | 40/100 |

## Where This Lender Ranks

Blue Ridge Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Williamsport, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Wilmington, NC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Williamsport, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Winston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Greensboro for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Burlington, NC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Kingsport for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Winston Banks
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks)
- 🏆 **#15** in Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#15** in Virginia for USDA Loans
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/usda-loans)
- 🏆 **#15** in Durham Banks
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/banks)
- 🏆 **#16** in Greensboro Banks
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks)
- 🏆 **#17** in Virginia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/va-loans)
- 🏆 **#17** in Winston for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Virginia Banks
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks)
- 🏆 **#20** in Greensboro for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Blue Ridge Bank, National Association offer?

Blue Ridge Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Blue Ridge Bank, National Association offer mortgages?

Blue Ridge Bank, National Association offers mortgages in 24 states: AZ, CO, CT, DE, FL, GA, IL, IN, KY, MD, MS, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX, VA, WI, WV.

### How competitive are Blue Ridge Bank, National Association's mortgage rates?

Blue Ridge Bank, National Association has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.335% above market average.

### What type of lender is Blue Ridge Bank, National Association?

Blue Ridge Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Martinsville, VA.

### What is Blue Ridge Bank, National Association's loan approval success rate?

Blue Ridge Bank, National Association has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/blue-ridge-bank-national-association

### How to Cite

> "Blue Ridge Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/blue-ridge-bank-national-association

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