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Blue Ridge Bank, National Association
Bank|Martinsville, VA|Multi-Region
Loans Originated
756
Applications
1,077
Volume
$204 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.335%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,458
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
Report Card
Blue Ridge Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 15 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$269,907
Average Borrower Income
$135,533
Average Property Value
$342,791
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 412 | 54.5% | +0.329% | $2,593 |
FHA Loans | Strong | Strong | Sound | Strong | 228 | 30.2% | +0.524% | $2,300 |
VA Loans | Strong | Strong | Sound | Strong | 70 | 9.3% | -0.215% | $2,302 |
USDA Loans | Strong | Exceptional | Sound | Strong | 44 | 5.8% | +0.286% | $2,200 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 670 | 88.6% | +0.336% | $2,450 |
Refinance | Sound | Sound | Sound | Acceptable | 86 | 11.4% | +0.328% | $2,516 |
Geographic Coverage
Metro Areas
14
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCOCTDEFLGAILINKYMDMSNCNJNVNYOHOKPASCTNTXVAWIWV
Top Metro Areas by Place Specialization Score
1
Winston, NCMSA
Volume: 34Mix: 4.50%
Place Specialization
Strong
2
Wilmington, NC, NCMSA
Volume: 28Mix: 3.70%
Place Specialization
Sound
3
Virginia Beach, VA-NCMSA
Volume: 36Mix: 4.76%
Place Specialization
Sound
4
Greensboro, NCMSA
Volume: 25Mix: 3.31%
Place Specialization
Sound
5
Raleigh, NCMSA
Volume: 31Mix: 4.10%
Place Specialization
Sound
6
Durham, NCMSA
Volume: 23Mix: 3.04%
Place Specialization
Sound
7
Charlotte, NC-SCMSA
Volume: 33Mix: 4.37%
Place Specialization
Sound
8
Burlington, NC, NCMSA
Volume: 15Mix: 1.98%
Place Specialization
Sound
9
Arlington, VA-WVMSA
Volume: 26Mix: 3.44%
Place Specialization
Sound
10
Williamsport, PA, PAMSA
Volume: 12Mix: 1.59%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 226Mix: 29.89%
Place Specialization
Strong
2
NCState
Volume: 293Mix: 38.76%
Place Specialization
Strong
3
INState
Volume: 60Mix: 7.94%
Place Specialization
Sound
4
SCState
Volume: 38Mix: 5.03%
Place Specialization
Sound
5
PAState
Volume: 28Mix: 3.70%
Place Specialization
Sound
6
MDState
Volume: 20Mix: 2.65%
Place Specialization
Sound
7
OKState
Volume: 17Mix: 2.25%
Place Specialization
Sound
8
TNState
Volume: 11Mix: 1.46%
Place Specialization
Acceptable
9
GAState
Volume: 11Mix: 1.46%
Place Specialization
Acceptable
10
FLState
Volume: 13Mix: 1.72%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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